Forbes has published a selection of the most reliable banks in Russia in 2017, where an ordinary mortal can place his honestly earned money and not be afraid that the money will evaporate like dew from a leaf in the morning.
The bank's reliability was determined in several categories:
- return on equity (how skillfully the bank allocates its capital);
- instant liquidity standard (in a simple way - a guarantee that the bank will not lose everything in one day);
- capital adequacy (the ratio of the bank's money to the total number of assets);
- and the actual deposits of the population.
We present you a rating of the 11 most reliable Russian banks where it is safe and profitable to keep your deposits.
11. Alfa-Bank
The only non-state commercial bank without foreign participation almost entered the top 10 of the best banks (unless, of course, take into account the Cypriot offshore company). Amount of assets: 2,404.1 billion rubles.
10. Rosselkhozbank
Rosselkhozbank specializes in serving the needs of the country's agriculture. Although the bank's assets are 2,795.1 billion rubles, other indicators do not look particularly brilliant, especially the return on equity, which in 2016 was only 1.5%.
9. Gazprombank
Gazprombank, which was included in the sanctions lists of the United States and Ukraine, continues to serve the country's oil industry. Despite the rather large assets (at the beginning of 2017, they amount to 5,054.3 billion rubles), it is not so easy for Gazprom to make them work - therefore, the ninth place in the rating.
8. VTB
The semi-state bank VTB (61% of the shares are controlled by the Russian government) is second only to Sberbank in terms of assets: their total amount is 9,502.1 billion rubles. But not a single asset: VTB is sagging on other positions, especially in terms of instant liquidity, which has also deteriorated by almost a third compared to last year. However, the regulator turned it on in 2nd place bank reliability rating according to the Central Bank.
7. Bank of China
The oldest Chinese bank, founded back in 1912, has been present in Russia since 1993, represented by the Bank of China. The bank's main specialization is servicing financial flows circulating between Russia and China, however, ordinary citizens can also find interesting programs there. Assets: 29.2 billion rubles.
6. Banca Intesa
The roots of Banca Intesa lie in the field of charity - once it began as a Russian Bank for Project Finance under the wing of the European Bank for Reconstruction and Development. Initially, he focused on the issuance of loans to large enterprises, but soon changed course
small business, and then condescended to individuals. Since 2003, it belongs to the Italian corporation Intesa Sanpaolo - one of the largest banking groups in Italy. The number of Banca Intesa assets: 59.1 billion rubles.
5. Citibank
All voting shares of Citibank are owned by Citigroup, one of the the world's largest financial groups headquartered in the USA. Citigroup's subsidiary bank in Russia, Citibank is one of the first foreign swallows to fly into the territory of the former USSR, and feels quite comfortable in Russia. Assets: 442.3 billion rubles.
4. Raiffeisenbank
If the history of Sberbank stretches back a century, then Raiffeisenbank has overtaken its Russian counterpart by half a century. Back in the middle of the 19th century, German peasants organized general cash desks, a kind of insurance in case of crop failure or other disasters. Since then, much water has flowed under the bridge, and the Raiffeisen company has grown from a village egg-box into the largest banking group in Austria and expanded its presence in 16 countries of the former Soviet bloc, including Russia. Total assets of Raiffeisenbank: 768.5 billion rubles.
3. Rosbank
The main shareholder of Rosbank is the French bank Societe Generale. The bank was included in the list of the systemically important ten, selected by the Bank of Russia. Assets: 786.5 billion rubles.
2. Unicredit Bank
Unicredit is part of the Italian banking group UniCredit and is the largest Russian bank, where the majority of voting shares are held by foreigners. The total number of assets is 1196.6 billion rubles.
1. Sberbank
For which year the largest state bank in the country ranks first in terms of reliability... It is unlikely that in the future it will be possible to shake the position of the heir to the savings banks opened in the twenties of the last century. At the moment, the bank's assets amount to 22,336.5 billion rubles, far ahead of the rest of the top 11 most reliable credit institutions in Russia in 2017.