World is ruled by money, and almost all of them pass through the country's financial institutions - banks.Each and every person in their life is drawn to the bank for one reason or another: take out a loan, make a contribution, make a money order and, in the end, pay the elementary light, electricity and water.Naturally, any person who uses the services of such serious as deposits or loans, we would like to rest assured that the bank is reliable, and that the money will be saved.
In order to have a complete picture and make the right choices, we can turn our attention to the popularity of financial institutions.Your attention is given rating of Russian banks by various criteria, such as reliability, stability, popularity and profit margins of loans granted, and so on.
base of calculation of indicators collected absolutely all financial institutions in our country that publish reports on its financial activities in the public domain.Rating for each criterion looks like ordering banks for specific indicators.The main objective is to compare the ranking of banks by the highest estimates of activity, thus demonstrating their position on the financial market.
Rating of the largest banks in the country
Nowadays, in times of crisis and financial instability, people are trying to get out of a financial institution for the investment of their money not only on the rate of interest on deposits, as in terms of reliability, and most of the largest banks in the lead in the rankingReliability, which is not surprising.
So, Russia's largest banks Rating:
1. OJSC "Sberbank of Russia".
2. "VTB" (Vnshetorgbank).
3. OAO "Gazprombank".
4. JSC "Rosselkhozbank".
5. "VTB 24".
6. OAO MMBM «Bank of Moscow."
7. JSC "Alfabank."
8. Company "Uni-Credit Bank".
9. OJSC "Promsvyazbank".
10. OAO «Rosbank»
Reliability rating of Russian banks is made according to different criteria, but reliable - this is perhaps the most important, where we'll start.To determine the level of this indicator of a bank using different selection criteria.To estimate was a qualitative, quantitative method is used, the essence of which lies in the simultaneous analysis of different financial reporting data: total assets, capital, liquidity, deposits, loans and so on.
rating of Russian banks in terms of reliability:
1. OJSC "Sberbank of Russia"
oldest bank in the country.Such a high level of reliability can be easily explained - the bank is ready to come to the aid of citizens in financial matters, even in the most difficult time for the country.
2. "VTB" (Vneshtorgbank)
has high reliability primarily because the state is maintained.More than 50% of the shares are in the state.This bank is popularly called Putin's bank.
3. OAO "Gazprombank»
The bank is under the control of the bank "Russia", which is located in St. Petersburg.Gazprombank are all assets of the enterprise "Gazprom".
4. JSC "Rosselkhozbank»
5. Financial experts claim that in the agricultural sector accounts for the largest number of loans for which the state has always allocate funds.That is what insures the bank, which means that by default are insured and its clients.
6. OAO MMBM «Bank of Moscow."
alone the fact that this bank is the main financial institution of the government of the capital, inspires confidence.
below the rating of Russian banks on such criteria as reliability are summarized in the table in descending order of their assets.It presents the top ten.
| № | Bank name | Rating | by assets |
| 1 | Sberbank of Russia |
●●●●● | 1 |
| 2 | VTB (Vnshetorgbank) | ●●●●● | 2 |
| 3 | Gazprombank | ●●●●● | 3 |
| 4 | VTB 24 | ●●●●● | 4 |
| 5 | Rosselkhozbank | ●●●●● | 5 |
| 6 | MMBM Bank of Moscow | ●●●●● | 6 |
| 7 | Alfabank | ●●● | 7 |
| 8 | Nomos-Bank | ●●● | 8 |
| 9 | PSB | ●●●● | 10 |
| 10 |
Raiffeisenbank | ●●●● | 12 |
Reliability rating reflects the ability of financial institutions in the country to fulfill its obligations to customers, as well as the amount of capital and liquidity in the event that will take place outflowsfunds from current accounts and deposits.
rating banks in Russia by assets
the bank's assets are cash on hand, the sum of issued credit products, the volume of investments in securities and commercial real estate, and other values that can be evaluated in monetary terms.Assets need to work and generate higher profits.
Rank assets - one of the most important criteria in choosing a bank for the purpose of keeping money on deposit, the use of cards and checking accounts, and performing other financial transactions.There is a saying: "This bank is too big to fail."This expression is indeed true.The reliability of the financial institution increased by default when its assets grow.
below the rating of Russian banks by assets tabulated (in descending order).
| № | Bank name | number of assets |
| 1 | Sberbank of Russia | 17,477,454 224,00r. |
| 2 | VTB (Vnshetorgbank) | 5,965,152 230,00r. |
| 3 | Gazprombank | 3,913,061 815,00r. |
| 4 | VTB 24 | 2,231,046 824,00r. |
| 5 | Rosselkhozbank | 1,886,302 458,00r. |
| 6 | MMBM Bank of Moscow | 1,782,315 083,00r. |
| 7 | Alfabank | 1,515,480 711,00r. |
| 8 | Nomos-Bank | 989,110 468,00r. |
| 9 | Uni-Credit Bank | 880,451 211,00r. |
| 10 | PSB | 786,725 417,00r. |
Capital Capital - is not that other, as own resources of the financial institution.This includes everything and the value of funds belonging directly to the bank, which can be valued in monetary terms.Those funds, which were placed by its customers on accounts and deposits, the bank does not belong.First of all capital used as a means of making a profit through investment.
stability depends largely on the size of the capital.The reason for this lies in the fact that the bank, using its own funds, to establish a reserve from which future it will use the cash to cover potential losses.Therefore, the rating of Russian banks in terms of capital is of great importance in determining its reliability.Below is
and tabulated in order of ranking in terms of capital.
| № | Bank name | number of assets |
| 1 | Sberbank of Russia | 2,073,007 558,00r. |
| 2 | VTB (Vnshetorgbank) | 629,026 832,00r. |
| 3 | Gazprombank | 434,941 652,00r. |
| 4 | Rosselkhozbank | 246,391 671,00r. |
| 5 | VTB 24 | 221,016 700,00r. |
| 6 | Alfabank | 210,901 396,00r. |
| 7 | MMBM Bank of Moscow | 182,262 411,00r. |
| 8 | Uni-Credit Bank | 133,428 679,00r. |
| 9 | Nomos-Bank | 113,841 022,00r. |
| 10 | Raiffeisenbank | 99,237 344,00r. |
As mentioned above, the capital is used as a means for profit, hence the rating of the banks earnings.
rating of Russian banks profit
| № | Bank name | Size profit |
| 1 | Sberbank of Russia | 446,217 797,00r. |
| 2 | VTB (Vneshtorgbank) | 41,228 660,00r. |
| 3 | Alfabank | 39,497 770,00r. |
| 4 | Raiffeisenbank | 29,383 858,00r. |
| 5 | VTB 24 | 23,271 538,00r. |
| 6 | Uni-Credit Bank | 22,087 914,00r. |
| 7 | Gazprombank | 20,892 989,00r. |
| 8 | MMBM Bank of Moscow | 11,634 607,00r. |
| 9 | public company Mosoblbank | 10,468 245,00r. |
| 10 | Citibank | 9798 999,00r. |
Loans
Below is a ranking of Russian banks for loans.
| № | Bank name | gross loans |
| 1 | Sberbank of Russia | 12,370,927 937,00r. |
| 2 | JSC VTB (Vneshtorgbank) | 2556562 57 |
| 3 | Gazprombank | 2,460,911 042,00r. |
| 4 | VTB 24 | 1,398,717 341,00r. |
| 5 | Rosselkhozbank | 1,259,807 461,00r. |
| 6 | Alfabank | 1,081,042 693,00r. |
| 7 | MMBM Bank of Moscow | 940,198 711,00r. |
| 8 | Uni-Credit Bank | 541,202 871,00r. |
| 9 | PSB | 520,574 632,00r. |
| 10 | Nomos-Bank | 499,568 340,00r. |
Contributions
Below is a ranking of Russian banks on deposits, the information in the table, in descending order.
| № | Bank name | 's deposits |
| 1 | Sberbank of Russia | 8,616,070 768,00r. |
| 2 | VTB (Vnshetorgbank) | 1,810,727 577,00r. |
| 3 | Gazprombank | 1,568,187 298,00r. |
| 4 | VTB 24 | 1,375,276 976,00r. |
| 5 | Rosselkhozbank | 928,357 566,00r. |
| 6 | MMBM Bank of Moscow | 752,776 512,00r. |
| 7 | Alfabank | 512,378 763,00r. |
| 8 | Nomos-Bank | 388,959 895,00r. |
| 9 | PSB | 379,332 636,00r. |
| 10 | Uni-Credit Bank | 339,107 215,00r. |
Stability
It is worth noting that the concept of stability is not identical to the concept of reliability, although they are related to each other.Stability provides for the possibility of the bank not only to keep their clients' money, but also to function in a crisis without major losses, which is certainly a very important factor of confidence in the bank.
So, banks are the most stable:
1. OJSC "Sberbank of Russia»
Even explain nothing.The bank, which occupies a leading position in the ranking of reliability, as well as leading all other ratings may not be stable.
2. "VTB" (Vnshetorgbank)
consecutive years is more than one occupies a leading position in various rankings.
3. JSC "Rosselkhozbank»
absolutely justified position.It is the largest bank in Russia, which finances all agricultural activities, and if he goes bankrupt, all the country's agriculture will decline, and the government had no such permit.
4. OAO MMBM «Bank of Moscow»
holds a leading position in view of the fact that 44% of the shares are owned by the state of the Russian Federation.
5. "VTB 24»
some time the activity of the bank was not quite adequate.He gave a large number of loans that during the crisis almost brought him to utter ruin, but thanks to the support of "VTB" he recovered and continued its activities quite successfully.And in the end I took the leading position in the rankings.
6. Company "Uni-Credit Bank»
is the largest foreign bank in Russia.It belongs to the Italian group UniCredit.During the crisis, he behaved consistently.
The choice of a reliable financial institution now is in dire due to the fact that many banks, and they offer a wide range of services.Based on the above data, it is possible to choose an appropriate financial institution.
