Bank reliability rating 2020 according to the Central Bank of the Russian Federation

The full rating of the top 100 banks in Russia is based on the current reporting data of Russian credit institutions in forms 101, 123 and 135, published on the official website of the Central Bank of the Russian Federation:

• Net assets,
• issued loans,
• deposits.

When choosing a bank to store your savings, it is important to take into account not only the availability of a convenient mobile application, the number of ATMs and the ability to service customers 24/7, but also where the bank is in the reliability rating according to the Central Bank of 2020.

Banks rating by reliability according to the Central Bank for 2020 (full list)

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

Credit rating of reliability "Expert RA"

ruAAA - The highest level of creditworthiness / financial reliability / financial stability.
ruAA + - High level of stability.
ruA + - Moderately high level of stability.
ruBBB + - Moderate level of financial stability.
ruBB + - Moderately low level of creditworthiness. Sensitivity to changes in the economic environment.
ruB + - Low level of creditworthiness. The possibility of fulfilling financial obligations remains, but the margin of safety is limited.
ruCCC - Very low level of reliability. Significant probability of non-fulfillment of financial obligations.

The table does not include banks with the withdrawn rating.

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

To keep your funds safe, give preference to one of the top ten most reliable banks in Russia in 2020.

10. Raiffeisenbank

A subsidiary of the Austrian banking group improved its performance compared to 2019, and was able to enter the top 10 reliable Russian banks. And although its network of branches and outlets (5 and 175, respectively) is not as wide as that of banks from the top three, Raiffeisenbank is in no way inferior to them in terms of reliability.

It has the highest reliability ratings - AAA (ru) - from the Russian rating agency ACRA and Expert RA, and a very good investment grade Baa3 for the long-term rating of deposits in foreign and national currency. This means that the bank's debt liabilities have a moderate credit risk.

9. National Bank "Trust"

In the mid-90s, this bank was known as Menatep St. Petersburg and was originally part of a financial group controlled by Mikhail Khodorkovsky. However, at present, "Trust" has expanded its influence not only in the northern capital, but also in Moscow. And almost 100% of its shares are owned by the Central Bank of the Russian Federation.

It has 25 branches throughout Russia, with over 1.5 million individuals and legal entities as clients. They are offered a wide range of services, ranging from deposits, lending and Forex broker services to settlement and cash services and remote services.

The main specialization of the bank is working with problem and non-core assets obtained during the merger of various credit institutions.

8. Moscow Credit Bank

A large number of branches (95) and ATMs (468), as well as high financial and national ratings on banki.ru make MKB one of the preferred options for people looking for a reliable bank for deposits in 2020.

This financial institution has been in the top 10 most reliable banks according to the Bank of Russia for several years. Its priority area is lending to individuals and legal entities.

Also "Credit Bank of Moscow" offers a number of debit and credit cards with interest on the balance and (or) a bonus program.

7. Bank "FC Otkritie"

One of the largest banks in Russia has been operating in the financial market since 1992, and since then it has only been gaining momentum. In 2020, Otkritie introduced a new remote mortgage service that allows you to take out a mortgage loan without visiting a branch.

This bank has one of the widest contactless ATM networks in Russia, accounting for 85% of the total number of Otkritie ATMs. Only Sberbank has more - 95% and Tinkoff Bank - 100%.

6. Rosselkhozbank

The main direction of "Rosselkhozbank" is financing of enterprises related to the Russian agricultural sector. Both its financial indicators and the fact that in 2019 Rosselkhozbank issued about 56 billion rubles indicate that everything is good and stable at the bank. exporters of poultry meat, which is twice as much as in 2018.

However, ordinary Russians can take a loan or open a card in one of the branches of this bank (there are 66 of them in the country). By the way, by the size of its branch network, Rosselkhozbank is the second in Russia.

In 2020, the bank launched services for Russian citizens using remote identification - the Unified Biometric System (UBS). With its help, those who are registered in the EBS can become a client of Rosselkhozbank without even leaving their homes.

5. Alfa-Bank

One of the top Russian banks has been successfully floating in the turbulent financial sea since 1990.

Judging by the high national rating (14th place) on Banki.ru, Russians are very satisfied with the level of service at Alfa-Bank, which offers consumer loans, deposits, mortgages, and credit and debit cards with high cashback and interest on the balance.

4. National Clearing Center

The fourth credit institution in Russia in terms of net assets (3.9 trillion rubles) is a subsidiary of the Moscow Exchange group.

The National Clearing Center has the status of a non-bank credit institution, and its main area of ​​activity is the provision of settlement services on the MICEX markets. Basically, NCC acts as a guarantor between the parties when concluding transactions on the exchange and regulates contractual relations.

3. Gazprombank

For several years now, according to the Central Bank, the top 3 most reliable banks in Russia have remained unchanged. It is opened by Gazprombank, one of the largest banks in Central and Eastern Europe.

It offers customers the widest selection of debit cards (25 options), as well as credit cards, deposits, mortgages, and even car loans.

Gazprombank's client base is huge - over 5 million individuals and 45 thousand legal entities.Considering that the state indirectly participates in the bank's capital through PJSC Gazprom, as well as the fact that Gazprombank serves many projects and companies in the most important sectors of the Russian economy (for example, the Blue Stream gas pipeline, OJSC Novatek, OJSC "Rusal"), there is no need to be afraid that one fine day it, along with your contributions, "will melt in the fog."

2. VTB

The second most reliable Russian bank is steadily increasing its presence in the regions. So, in 2020, he opened the first branch in the Chechen Republic.

Moreover, VTB is the first of the leading banks in Russia to switch its banking network to paperless technology. Already, customers have access to the digital format for signing documents in 476 offices, and in the first quarter of this year it will become available in 1,500 VTB offices throughout the country.

Although VTB's client base is smaller than that of Sberbank, it is larger than that of Gazprombank - 13.3 million individuals.

1. Sberbank of Russia

The largest and most reliable bank in Russia in 2020 boasts leading indicators in the banking industry in terms of assets, net profit, individual deposits, investments in securities and loan portfolio.

Although the "green bank" often receives bad reviews for long periods of consideration of applications for refunds, imposing various services, poor service and for many other reasons, it still remains an unshakable rock in which it is not scary to place your savings for a long time. Sberbank also has a huge share of ATMs with NFC - 95% of the park.

List of banks deprived of licenses in 2020

By the end of 2020, about 30 banks may "burst", several of them are in the top 100.