Choose the most reliable bank in Russia for deposit processing the loan or other purposes - is the primary task of the majority of potential customers.How to choose the organization?Is there a list of the most reliable banks in Russia, according to what parameters it is defined?All these questions interest the citizens who are planning to take advantage of offers such organizations.
concept of reliability
Before you raise the question of what the most reliable bank in Russia, should be familiar with the direct determination of reliability.Under the reliability it is understood the organization's ability to execute in a timely commitment to its customers.These factors include a wide variety of criteria - by the necessary documentation to the rating organization.About changes may indicate the payment in time, for example, funds on deposits.In addition, to ensure suitable conditions for the customers is an essential criterion for the stability of the banking organization.
should be noted that if the history of the bank in Russia has a long period, such a measure is considered to be the most important proof of its reliability.
Thus, considering all the criteria, the organization can safely be called the most reliable bank in Russia.
reliability criteria
As mentioned earlier, the reliability criteria can include a number of indicators.In particular, the license to carry out activities in this field - one of the important factors that are important but not the only one.
When forming the rating changes are taken into account and other, no less important criteria, such as liquidity ratio, capital adequacy, appropriate refinancing rate, the level of risk in assets, profitability, and others.
What does the rating of banks
Ratings are always special interests.Before determining what the most reliable bank in Russia, it is necessary to clarify the essence of the term "rating".This word (from the English. Rating) refers to the procedure, assessment, classification of a particular object or a subject according to the established scale.This is an estimate of the institution based on the performance of its work.Ranking is determined by the criteria that were subjected to discrimination.
Hoc common grading system reliability of the banks in world practice does not exist, since there are significant differences and, accordingly, the requirements for their activities.The financial institution can be considered reliable in the presence of capital adequacy, liquidity, balance sheet, solvency and satisfy the requirements for the quality of capital, as well as carrying out activities in accordance with legal requirements.The amount of points on the method used to determine the ranking of a particular bank on a combination of factors.Such ratings allowed to observe the work of institutions within and by the supervising organizations.The most reliable banks in Russia on the basis of them - the one who scored the most points.
Performed rating
Be appropriate classification of banks, of course, have the opportunity not all organizations.This work is carried out, as a rule, independent institutions,
specializing in this area: media, various associations (such as journalists), non-formal education (who are entitled to carry out an assessment of the specific category) special rating agencies and others.
Later, after all the evaluation activities to publicly show the respective results of the work done in the form of evaluation or grading participants (1st place, 2nd place and so on. D.).
Types ratings
Nominations ratings can be varied - from the standard stereotypes to quite unusual, and it depends primarily on the purpose of the event and the audience.
regard to the rating of the most reliable Russian banks in Russia is made according to certain criteria.A common are the following:
- assets;
- Deposit nat.persons (taking into account the total amount of customer deposits);
- on loans to individuals (taking into account the total amount of loans);
- consumption (taking into account the level of trust directly to the customer organization).
the top 10 banks in terms of reliability criteria
Who is the leader?If we consider the 10 most reliable banks in Russia by all criteria, it is safe to highlight the following organizations which stably operate for years and enjoy high reputation not only among citizens but also have all the required licenses and documents under the legislation:
- Savings Bank of the Russian Federation.
- «VTB 24"
- «Gazprombank".
- «Rosselkhozbank".
- «Bank of Moscow."
- «Alfa-Bank."
- «Nomos-Bank."
- «Unicredit."
- «Promsvyazbank".
- «Raiffeisenbank».
now choose the most reliable Russian banks will not be difficult.
