Bank reliability rating 2019 (Central Bank data)

The beginning of 2019 in the banking industry was marked by the liquidation of two banks - B&N Bank Digital and B&N Bank - and the revocation of three more licenses. But while some banks disappear, others stand securely like rocks in a stormy sea of ​​financial flows. We included such colossus in the rating of banks in terms of reliability according to the Central Bank for 2019.

Read also: Bank reliability rating 2020.

All data for more than 100 Russian banks were taken on the official website of the Central Bank of the Russian Federation, according to financial reporting indicators in forms 101, 123 and 135:

• Net assets;
• issued loans;
• deposits.

Rating of banks by reliability according to the Central Bank for 2019 (full list)

The table shows the comparative values ​​of the indicator "net assets".

Credit rating of reliability "Expert RA"

10 best banks in Russia according to the statistics of the Central Bank of the Russian Federation

The top ten best Russian banks include the most reliable organizations that enjoy the comprehensive support of the Central Bank and have a high and moderately high credit rating from Moody's and Expert RA.

10. Promsvyazbank

In 2017-2018, the bank went through a reorganization, and its authorized capital was reduced to one ruble. However, in September the provisional administration was removed from Promsvyazbank, and Petr Fradkov was appointed its head.

Now the organization will become a pivotal bank for the state defense order. At the same time, it fulfills its obligations to depositors in full.

9. Bank "FC Otkritie"

The only bank on the list whose net assets did not increase, but decreased by 28.03%, to 1.6 trillion. rubles. Nevertheless, it remains one of the best banks in terms of reliability and is in the top 20 of the national rating on Banki.ru. It also has a positive, moderately high (ruA) credit rating from Expert RA.

8. National Bank "Trust"

Over the year, the bank's net assets grew by 170.26% at once, to 1.6 trillion. rubles. This is the fastest growth in all ten of the most reliable banks in Russia according to the Central Bank. Almost all shares (specifically 99.9%) of this credit institution belong to the Central Bank.

It is curious that although the bank is in the top 10 in terms of reliability, its national rating on the Banki.ru website is much lower - only 43rd place. However, other participants in the top 10 did not make it into the top ten of the national rating either. Sberbank was the closest to him (42nd place).

7. Moscow Credit Bank

One of the ten largest banks in terms of attracting deposits from individuals. The present amount of deposits of individuals with Credit Bank of Moscow has reached 366 billion rubles.

Since February 2019, Credit Bank of Moscow, following its closest competitors (Gazprombank, Sberbank and Alfa-Bank), has improved the conditions for ruble deposits, including even the rates of basic deposits. So if you are thinking about which bank to entrust your money to in order to receive a stable income from them, then this is one of the suitable options.

6. Alfa Bank

The largest private bank in Russia feels quite confident in the financial world. Its net assets from January last year to January this year rose to 3.4 trillion. rubles (plus 27.19%), and net profit - by 118.54%, to 110 billion rubles.

Alfa-Bank can offer its clients not only reliability, but also some of the the most profitable credit and debit cards with cashback.

5. Rosselkhozbank

The five largest and most reliable Russian banks in 2019 are opened by a state bank, 100% of whose shares belong to the Federal Property Management Agency.

Over the past year, Rosselkhozbank's net assets have increased by 8.58% to 3.4 trillion. rubles, but the profit decreased by 14.65%, to 2.5 billion rubles.

The Analytical Credit Rating Agency (ACRA) has assigned Rosselkhozbank a stable high creditworthiness level - AA (RU).

Keeping up with the latest trends in technomodality, Rosselkhozbank has issued an unusual bank card Mastercard RSHB, made in the form of a PayRing ring made of zirconium ceramics. You can buy it on the official website of the bank in the section "Individuals" (subsection "Bank cards").

4. National Clearing Center

This highly specialized organization has been engaged in clearing in the foreign exchange market of the Moscow Exchange since 2007. In the period from January 2018 to January 2019, its profit fell slightly (by 1.56%, to 16 billion rubles), but its net assets increased significantly (+ 37.87%, to 3.9 trillion rubles).

3. Gazprombank

The three most reliable banks in Russia have remained unchanged since 2018. And one of the participants in this "big three" is Gazprombank. According to Expert RA, it has a stable high ruAA + credit rating. And the annual growth in assets amounted to + 12.50%, up to 6.3 trillion. rubles.

2. VTB

One of the most reliable Russian banks and the second in terms of net assets (13.9 trillion.rubles) after Sberbank in 2019 promises to introduce biometric identification for its shareholders, increase the mortgage portfolio by 30%, deposits of individuals - by 18%, and retail lending - by 22%.

So the bank has a lot of plans, and judging by the impressive annual growth of all fixed assets (net profit - by + 146.47%, up to 256 billion rubles, deposits of individuals - + 528.80%, up to 3.8 trillion rubles and etc.) he is doing very well.

1. Sberbank

Compared to January last year net assets of the largest bank in Russia increased by 3.9 trillion. rubles, up to 28 trillion. rubles... None of the credit and financial institutions included in the official list of the most reliable banks according to the Central Bank has managed to surpass this result.

Over the year, Sberbank also increased its net profit (by 20.32%) to 811 billion rubles, and its loan portfolio (by 17.06%) to 18 trillion. rubles. A number of other key indicators also changed positively.

At the beginning of 2019, information appeared about a new type of fraud associated with the "green bank". Attackers call from numbers that belong to the bank (900, 7 (495) 500-55-50) and warn of an attempt to write off money from the card. Under this pretext, they find out the necessary data about the card. In doing so, they call the client's personal data, up to date of birth and passport data. The only way to avoid losing money is to personally call Sberbank and clarify whether a bank employee called you or not.

List of banks deprived of licenses in 2019