There are a great many indicators by which one can assess the reliability of a commercial bank. For shareholders, one of the most important is the profit margin, which is closely related to the payment of dividends. Profitability is also of interest to ordinary clients who are not involved in bank management, as it reflects the efficiency of the organization.
Today we offer Rating of the most profitable banks as of June 1, 2012 according to financial statements published on the website of the Central Bank of the Russian Federation.
10. Promsvyazbank (4,460 million rubles)
opening the Top 10 most profitable banks, according to the results of the first quarter, it was not yet included in the top ten. However, today the bank is not far behind its closest competitors. By the way, in comparison with the same period last year, PSB's profit increased by 449.76%. The bank is one of the 500 largest private credit institutions in the world.
9.HomeCredit Bank (RUB 4,829 million)
for five months of this year received less profit than for the same period in 2011 - the difference is 11.12%. Nevertheless, the bank holds consistently high positions in many ratings. Thus, according to RBC.Rating data, HCF Bank ranks sixth in terms of retail lending. The bank is among the leaders in terms of the size of its branch network.
8. UniCredit Bank (4,905 million rubles)
not only entered the top ten most profitable, but also turned out to be among the best in terms of net assets, also taking the eighth line in the corresponding rating of RBC. The Bank is named the Best Employer in Russia according to the results of research by the CRF Institute.
7. Rosbank (5,910 million rubles)
significantly improved the net profit indicator in comparison with 2011 (by 80.35%). Rosbank is one of the ten largest banks in terms of such indicators as the size of net assets and the size of the loan portfolio, and also closes the top three in terms of lending to individuals.
6. Raiffeisenbank (RUB 7,688 million)
increased the amount of net profit by 121.43% compared to the same period last year. The bank is consistently among the top ten in terms of various indicators. Last year, Raiffeisenbank received the Company magazine's Best Bank Branches 2011 prize in the nominations: Best Western Bank Branch Network in Russia and Largest Bank Branch.
5. VTB 24 (RUB 13,025 million)
increased profit by 27% compared to five months last year. The retail subsidiary of VTB is second only to Sberbank in terms of such indicators as the volume of lending to individuals and the volume of individual deposits, but the indicators still allow customers to purchase economy class housing in Moscow. VTB 24 is also in the top ten in terms of net assets and total loan portfolio.
4. VTB (RUB 14,080 million),
unlike VTB 24, although it remains in the top five most profitable, it has somewhat lost ground, having worsened the indicator by a quarter in comparison with the data as of June 1, 2011. However, in terms of net assets and the size of the loan portfolio, the bank is still second only to the flagship of the Russian banking system - Sberbank.
3. Alfa-Bank (16,769 million rubles)
closes the top three in the rating, although in the first quarter it occupied only the fifth line, behind VTB and VTB 24.In comparison with the data as of 01.06.2011, the bank has improved the net profit indicator by 100.3%. In 2011, Alfa-Bank was recognized as the "Commercial Bank of the Year" according to the results of the "Big Money" award of the business publication "Itogi".
2. Gazprombank (18,692 million rubles)
takes an honorable second place in the ranking of the most profitable banks. The bank also has a "bronze" in terms of the volume of the loan portfolio, the amount of net assets and deposits of citizens. GPB is the third largest bank in Central and Eastern Europe in terms of equity capital; it is 152nd in the world ranking.
1. Sberbank of Russia (154,886 million rubles)
- the permanent leader of all bank ratings in Russia and the CIS. The indicators of the largest credit institution in the country show positive dynamics. The most profitable Russian bank increased the corresponding indicator in comparison with the same period last year by 13.11%. The bank's assets today account for just over a quarter of the entire banking system of the country, and the share in the bank capital is kept at 30%. Sberbank participates not only in financial ratings. The bank's brand entered the number of 500 the most expensive brands in the world according to Brand Finance.