The most reliable banks of Russia for 2018 for deposits

At the beginning of 2017, 623 credit institutions with the CB license were operating in Russia for the right to carry out banking operations. By the end of the year, their number decreased by 10% - to 561. Total licenses were deprived of 51 credit institutions (some of the licenses were revoked at the request of bank owners). For comparison: In 2015, 93 credit institutions were discontinued, and in 2016 - 97.

The most reliable banks of Russia

Rosbank's assets, according to the magazine estimates, are 957.7 billion rubles. In second place, UniCredit Bank, which belongs to the Italian banking group of the same name. Closes Troika Raiffeisenbank.

In the top 10 of the most reliable banks fell Sberbank, Citibank, Nordea, VTB Group, Bank of China, Inteza Bank, Gazprombank. The rating of the most reliable financial organizations of Alfa-Bank, Rosselkhozbank and Russian Capital are closed.

The most profitable contributions in the safe banks of Russia from the top 10

Promsvyazbank

Contribution "Profitable"

Interest rate	Sum	Time
7,00%	from 5,000	is not limited

Replenishment / Capitalization / Partial Removal / Accrual percent monthly.

Credit Bank of Moscow

Contribution "Maximum income online"

Replenishment / Prolongation / Preferential termination / interest accrual at the end of the term

Bank FC Opening

Contribution "Reliable"

Binbank

Contribution "Maximum percentage (online)"

Interest rate	Sum	Time
6,80%	from 10,000	181-367 days

Prolongation / interest accrual at the end of the term.

Rosselkhozbank

Contribution "Profitable (online)"

Interest rate	Sum	Time
6,7%	from 3,000	730-1460 days

Accrual interest at the end of the term.

Bank VTB

Contribution "Profitable (online)"

Capitalization / Prolongation / percent accrual monthly.

Gazprombank

Contribution "Savings"

Capitalization / Preferential termination / prolongation / percent accrual monthly.

Sberbank of Russia

Contribution "I remember. Helping "

Capitalization / Prolongation / percent accrual monthly.

Rating of the five most reliable banks in Russia on deposits 2017-2018

• "Sberbank of Russia";
• "VTB Bank of Moscow";
• Gazprombank;
• "VTB 24 »;
• "FC Opening."

Also, the regulator allocates the "top ten" of the following reliable banks:

• "Rosselkhozbank";
• "Alfa Bank » ;
• "National Clearing Center » ;
• "Credit Bank of Moscow » ;
• "Promsvyazbank » ;
• "UniCredit Bank » ;
• "Binbank » ;
• "Rosbank » ;
• "Raiffeisenbank » ;
• "Bank Russia » .

Problem Banks of Russia 2018 on the List of Central Bank

The Bank of Russia does not expect sanations of large credit institutions in the near future, but admits the recovery of banks less, the first deputy chairman of the Central Bank Dmitry Tulin, speaking in the State Duma.

"According to our conviction, the largest problem banks have already been identified and we dealt with them. We do not expect in the near future to repeat very large sanations, will probably be smaller banks, "he said.

In 2017, the Bank of Russia began to sanitize the three largest private banks - "Opening", Binbank and Promsvyazbank - through the Consolidation Fund of the Banking Sector. As part of the rehabilitation, the Central Bank decided to unite the "opening" and Binbank, and Promsvyazbank became the reference bank of the defense and industrial complex.

Banks with problems 2018

The Bank of Russia withdrew the license from the Khabarovsk Bank "Ussuri" and the Yaroslavl United Credit Bank ("OK Bank"). About this on Friday, May 25, the press service of the Central Bank said.

"The activities of the leadership of the credit institution Bank" Ussuri "led to the formation of property taken into account on its balance sheet," the regulator said.

"Ussuri" carried out the "circuit" transactions with problem loan debt, which were aimed at artificially maintaining the necessary level of capital, noted in experts.

As of May 1, 2018, by the magnitude of Assets, the Bank "Ussuri" held the 275th place in the banking system of Russia, "O.K. Bank "- 200th place. Both credit organizations are participants in the deposit insurance system.

Forbes magazine (Forbes) published a rating of the most reliable banks in Russia. The most reliable banks in Russia - "daughters" of foreign banks and the largest state banks: Sberbank, Rosselkhozbank and VTB. This year, Forbes changed the principles of the formation of the rating, in particular, the Russian rating agencies with a large number of ratings took into account accredited Central Bank.

The Troika leaders entered Rosbank ("Daughter" of the French Societe Generale). Bank assets experts rated at 786.5 billion rubles.

Rating Russian mortgage banks

Sberbank of Russia became the leader in the volume of the mortgage portfolio on July 1, 2017. His portfolio is 2.5 times higher than the portfolio of the nearest competitor - VTB Group, which includes VTB 24 and VTB Bank of Moscow. The third place was taken by Gazprombank, its mortgage portfolio is 10 times less than the rating leader indicator.

10 of the most profitable contributions in reliable banks 2018

The most profitable deposits of individuals in the safe banks of Russia: Compare and select the best deposit on high interest in rubles today. The review presents suggestions from the top 10 banks in terms of deposits in 2018. Calculator will help calculate profitability.

Even in the difficult economic situation in 2018 there is an opportunity to invest money so to earn. One way is to issue a profitable deposit for individuals. But in which of the most reliable banks of Russia today is the highest percentage of deposits? The specialists of the agency Top-RF.RU analyzed the proposals of the largest banks of the country, reaching an overview of deposits in rubles with profitable interest rates.

Deposits of individuals - a traditional way of investing money

There are many ways to invest money to receive passive income. You can buy currency and wait for it to grow in price, you can earn money on forex, invest in PAMM account, try to get income, trading binary options and much more.

All these ways to make money bring a rather high profit, but also associated with a certain risk. Bank deposits of individuals and today remain the most reliable and traditional way of investing savings in Russia.

Choose the most profitable contribution: what to pay attention to

Choosing a bank to entrust money depositors, as a rule, pay attention to at least two parameters:

• - the amount of interest rate, which allows you to choose a contribution with maximum income;
• - the reliability of the bank, which allows not to worry about the safety of savings even during the banking crisis.

Complete a high interest rate and sufficient reliability of the bank is quite difficult. Analysts of the Agency Top-rf.ru tried to do this by studying the conditions of deposits in the RF rubles for individuals in reliable banks.

What deposits in reliable banks of Russia are the most profitable today

Each bank has its own lineup of profitable contributions for individuals with unique conditions.

To somehow bring the "to the general denominator" parameters of deposits in different banks, we tried to find out what the highest interest rates in rubles are offered to the one who intends to open a deposit today in 2018.

As a result, the following list was obtained (accurate conditions and interest rates on deposits check in banks).

INTERESTING FACTS

Choosing a bank to open a contribution, many are primarily focusing on the amount of interest rates, forgetting to estimate the stability of the financial organization. Of course, such a principle has the right to exist if the client invests up to 1.4 million rubles (the value of the contribution insured by the state) and is morally morally ready for the review of the Bank's license.

But not everyone is ready to worry every time, seeing in the latest news, as the Central Bank cleans the banking system of Russia.

Therefore, by estimating where to invest his money and blood earned money, today it is important to evaluate in advance how reliable the bank to whom you want to trust your savings.

When choosing the most reliable bank for the contribution, many, as a rule, rely on:

• - estimates of rating agencies;
• - Customer reviews;
• - Folk Ratings of Reliability ...

Top 10 Reliable Banks of Russia according to Forbes

• 1. Unicredit Bank
• 3. Rosbank
• 5. VTB
• 6. Citibank
• 7. ING Bank (Eurasia)
• 8. Nordea
• 9. EIC-ESB-SI Bank
• 10. Credit Agrikol

Top reliable banks according to Central Bank - 2019

The Central Bank of the Russian Federation has created its own reliability of banks - a peculiar top is unspecified. Officially, he is called a list of systemically significant banks in Russia. To date, it includes: JSC Unicredit Bank, Bank GPB (AO), VTB Bank (PJSC), Alfa-Bank JSC, PJSC SBERBANK, PJSC Bank Otkunka, PJSC Rosbank, Promsvyazbank, JSC Raiffeisenbank, JSC "Rosselkhozbank" and PJSC "Moscow Credit Bank".

It can be assumed that the Central Bank will not let them bundle even in the most difficult times, because the economy of Russia depends on their work.

(by the magnitude of regulatory capital)

In messages about the revocation of licenses from banks, it is often indicated that the Central Bank of the Russian Federation punished Finnogenation for the loss of capital. And, accordingly, it is this indicator that can be considered one of the important criteria for assessing the reliability of banks.

The Central Bank for certain methods is calculated so-called "Regulatory" capital Each bank. It is necessary to cover the negative consequences of various risks that banks take over in the process of activity, as well as to ensure the protection of deposits, financial sustainability and stable activities of organizations.

To date, regulatory capital is the main tool for regulating the Bank's activities by the supervisory authorities. To assess the reliability of banks of the Central Bank of the Russian Federation introduced a special Capital adequacy ratio H1.0. It shows whether the bank can cover possible financial losses at their own funds.

The magnitude of the capital adequacy value (H1.0) should be at least 8%. If some bank has a very low "reliability standard", then the Central Bank of the Russian Federation may take a license from him.

Where to learn the values \u200b\u200bof the indicator for a particular bank

The values \u200b\u200bof capital adequacy ratios of the N1.0 Russian banks can be viewed on the official website of the Central Bank of the Russian Federation in the 135th form of the reporting of credit institutions.

Top 100 banks in terms of capital 2019

Below is the rating of Russian banks in terms of regulatory capital, where the values \u200b\u200bof the capital adequacy value of H1.0 are also indicated (data on 01. 06. 2019). It can also be useful today to residents of Moscow, St. Petersburg and all of Russia, which are planning to discover contribute to any of the banks.

1. PJSC Sberbank of Russia

Regulatory capital - 4,399,459 million rubles.

2. Bank VTB (PJSC)

Regulatory capital - 1,628,437 million rubles.

VTB is one of the largest and most reliable banks in Russia. In terms of capital, the size of the assets and the amount of deposits of individuals, VTB is inferior only to Sberbank. See the conditions and interest rates of VTB deposits \u003e\u003e

3. Bank GPB (AO)

Regulatory capital - 765,465 million rubles.

Gazprombank is one of the most reliable banks of Russia. It was created to finance infrastructure projects in the oil and gas industry. Today, Gazprombank offers customers the whole range of banking products, including deposits of individuals.

4. JSC "Rosselkhozbank"

Regulatory capital - 476,246 million rubles.

5. ALFA-BANK JSC

Regulatory capital - 411,129 million rubles.

6. PJSC Bank "FC Opening"

Regulatory capital - 308,332 million rubles.

7. PJSC "Moscow Credit Bank"

Regulatory capital - 267,721 million rubles.

PJSC "Moscow Credit Bank" works in the Russian banking services market since 1992. Provides a complete list of services for corporate clients and individuals. The territorial network of the bank today has more than 90 divisions in Moscow and the Moscow region. Deposits of the ICD \u003e\u003e

8. JSC Unicredit Bank

Regulatory capital - 208,360 million rubles.

UniCredit Bank is a commercial bank operating in Russia since 1989. Today, he is a representative of the UNICREDIT European Banking Group in Russia.

9. JSC Raiffeisenbank

Regulatory capital - 158,547 million rubles.

Raiffeisenbank JSC has been working in Russia since 1996. He is a subsidiary bank Raiffeisen Bank of International AG. We provide a full range of services to private and corporate clients, residents and non-residents, in rubles and foreign currency.

10. Bank "VBRR"

Regulatory capital - 134,743 million rubles.

The All-Russian Development Bank of the Regions (VDRR) was established with active state participation. Today, VDRR is a dynamically developing credit institution, a universal banking institution that provides a full range of financial services.

(continued)

№
	Tinkoff Bank
	Citibank

This rating is not a base for unambiguous conclusions about the reliability of organizations included in it. The information provided is intended for use solely for informational purposes. The site site does not bear any responsibility for the consequences of any interpretations of this information and the decisions taken on it.

To understand and understand what the most reliable banks of Russia, it is important not only to the potential depositor who wants to benefit from its free funds. A citizen who fell to take a loan is also necessary: \u200b\u200bsuddenly the Bank "Lope", appointed by the management company, probably annuls the benefits and cross-parting, and quite lifting earlier duty will be a serious burden.

But the stars and points in the rankings mean little mean. Which bank held a year after year with the top ten, developed the widest network of ATMs in the Russian Federation, and now its license is withdrawn by the Central Bank, and the subpolation? Master Bank, remind. And who before 2014 heard about the Khanty-Mansiysk Bank, East Ecpress or the Asia-Pacific Bank in Blagoveshchensk? Today they are in the first hundred Forbes in Russia, and this is something so. Political rhetoric rhetoric, but forbes his business knows and the rise of turnover with the East clearly sees.

The purpose of this article is not only to give a rating of the reliability of banks of the Russian Federation, but also to show how Fitch, Moody's, Standard & Poor's and the National Rating Agency of Russia is defined. The fact is that the unified methodology for determining the reliability of the bank economists has not yet developed. And the situation in the financial sphere did not borons and should not touch. And having understood how to calculate the solidity of the bank, then it can be estimated and yourself - for this, enough official data from its site.

The degree of reliability determined by foreign races and the NRA often differs significantly. This does not mean that one of them is lying. Just everyone looks from your bell tower. Foreigners - in terms of indicators, i.e. For us - abroad. A NRA - primarily on the inner turnover.

Next, it is necessary to assume, these estimates will be even more dispersed. Recent events in politics clearly clearly show that the Russian Federation finally decided not to follow the best "world law enforcement", which, must be said, a lot discredited, and develop as an independent global center.

Therefore, the Russian economy inevitably should strive to increase the degree of autarki, i.e. self-sufficiency. For the investor, the output is simple: I plan to operate with rubles - you need to navigate more on the NRA, and Forbes keep in mind for comparison. I want to do currency - on the contrary.

What makes the reliability of the bank

To determine which banks are the most reliable, consider the reliability parameters, which of the largest and large in which fit, and then we minimize everything together. This concerns internal turnover, for deposits abroad there will be a separate summary.

State support

Russia is almost the only country in the world, fully secured by vital natural resources. Therefore, in Russia, the most important indicator of the Fortress of the Bank is its state support. It is expressed or directly, in the form of a share owned by the execution of shares, or indirectly, in the form of participation in various state programs.

For this parameter, the first - Sberbank is definitely. It firmly holds more than 25% of domestic money circulation, has warranty of infusion from the treasury at any time to 700 billion rubles. Also, the bank has its own payment system competing with Visa and MasterCard, which many are already called national.

Next - Rosselkhozbank. It is completely executed, 100% of the shares belongs to the state. Investors from the side are allowed, but their will do not give them that, by the way, they do not dismiss them: guarantees are absolute.

Next comes VTB with its subsidiaries VTB24 and the Bank of Moscow. The share of the treasury in them exceeds 70%. And finally - Gazprombank. Although direct investments from the treasury in it seems to be not, but what does trade for the Russian Federation trade in energy, and whether Putin is easily arguing with Miller, no need to explain.

Liquidity

Liquidity, or an indicator of sufficiency of equity, this is, roughly, how many in the banks of the bank lies money and values \u200b\u200bregarding them, hiding somewhere in the circulation. Since the Russian Federation is capable of achieving a complete autarchy, with a 10% liquidity, a bank oriented on the internal turnover is already tightly on the legs.

But liquidity is a stick about two ends. Bags in the basement bags with bundles of income bills bring, they can only be passing. Money must work. In the context of the Russian Federation, liquidity of more than 25% means that the bank does not dispose of money and the contribution to it is risky.

The liquidity plug at the moment, in addition to the above, Raffaisen, URALSIB, Home Credit, Citibank and MDM fit. Almost reaching it, with positive dynamics, Russian Standard, Rosbank, Moscow Credit Bank and Revival.

In total, more than 40 Russian banks are laid in the lumbering plug, but the remaining dynamics are negative or zero, and the proportion of internal turnover is less than 50%, they will most likely survive and live well, but with the current political pressures, it is impossible to consider them quite reliable.

Assets

This is no longer a percentage, relative, indicator, but absolute, in rubles. Assets are all that the bank holds about the reserve, and let go in turnover, and that it may be in one way or another to him returned. For example, the mortgage issued to someone belongs to the number of assets, debt obligations and the rights of claim (bill) of reliable manufacturing companies - too. And a trust loan, let's say a credit card or consumer without collateral or guarantors, it is impossible to consider as an asset. This is a pure financial risk of the Bank for the sake of benefit.

Here again is the ability of Russia to full autark. It affects the fact that the rate of money turnover can not be considered and the reliability of the bank is quite accurately determined in relation to its value of its assets to the size of the money supply in circulation. Economist accustomed to the most complex interconnections of the market, this approach will certainly surprise, if not indisputate, but for a citizen-consumer it is quite reliable.

And what should be the relationship? I do not know how it looks from the point of view of the economy, but the double stock, as a percentage, relative to the minimum permissible level of liquidity, should be enough to withstand any perturbations. Those. Because the National Bank was released at the beginning of the year 8 trillion. 314 billion rubles, the bank must score asses at least 1.628 trillion. rub. or 1,628 billion rubles.

To date, such banks 7: Sberbank, VTB, Gazprombank, VTB24, Rosselkhozbank, Bank of Moscow and Alpha Bank. The remaining assets are less than 1 trillion. rub., i.e. They are healthy behind. But the Sber, what is called, goes to two circles ahead of all: he scored almost 18 trillion. Asset! These are more than two complete cash revolutions, so the savings can withstand any stagnation. The closest to it is VTB - 8 trillion. Does not gain, only 5 with something, i.e. With the full collapse of the ruble without state-owned and forced regulation will last somewhere around the quarter.

Capital

Capital is a pronounced in rubles instantly liquid property (the same rubles, currency, banking metals), which are at the disposal of the bank. Simply put, it is so much money bank can issue in cash. Capital is important not only as the basis for calculating liquidity, but also by itself.

Liquidity, figuratively speaking, this engine power reserve, which gives the opportunity to ride a bad road long enough. And the capital is the chassis, allowing not to shoot, slip the Colds. After all, suddenly force majeure, not all the depositors immediately throw off their cash? Someone will adore, and someone else will play for an increase. And if the box can not give anything - all, the bank burned out, and then it will be returned to customer commitments, will take advann.

Capital value sufficient to "slip Coldbin" refers to the value required for the sustainability (see before., 1.628 trillion rubles) in the amount of the current average interest rate on deposits; At the moment - 8.1%. What will give capital in 131 billion rubles. with a little. Occasionally reliable, except for all the same, it is still united.

Loans of saline

Trust loans are also a stick about two ends. On the one hand, they reduce reliability: the probability of no return is great. On the other hand, the easier it is to get a loan to the ordinary consumer, the more people go to this bank, and the expansion of the clientele's circle gives an increase in the inflow of funds, with more than compensating non-repayments. Therefore, the reliability of the bank for the share of loans to the individuals very much depends on the latitude of the circle of its clientele, the number of departments, ATMs and even the degree of competence and courtesy of employees.

Because of this, the plug of values \u200b\u200bof the permissible share of the physical loans is large - from 1% to 50% - and the calculation for a particular bank is complicated. In general, the more the financial organization of customers, the greater the percentage of the physical loans, it can afford. But the bank, neglecting the physical loans and too tied to the business, force majeure if it will survive, then very painful. After all, no matter how cool, the money is the result of labor and ensure ultimately the difficulty of ordinary citizens.

It must be said that the sciences of the crisis Russian banks for 50% of the physical loans are no longer over. Sber, and it keeps in the area of \u200b\u200b45-46%. For the lower boundary of the plug, except for those that are presented above, the Russian standard, Promsvyazbank, and the CBF Bank are moving.

Who is stronger?

The selection criteria applied above are not all of the professionals used by analysts. But my set has an interesting and useful feature for a private member of the Society:

• if the Bank converges in all respects, it is absolutely reliable;
• if you converge on two or more - it is quite reliable;
• if there is in stock at least one - reliable enough.

Simply put, it is possible to immediately allocate for yourself excellent students with goodbye, which can move in each other, and solid trielers, from which there is also a lot about. And illuminating with insights, but pre-gallerous, who have time from occasion and stubborn dwellers leave. So, PP. 1 and 2 - Reliable banks:

Reliable banks

• Sberbank
• VTB and VTB24,
• Rosselkhozbank,
• Gazprombank,
• Bank of Moscow,
• Alfa Bank,
• Raffaisen
• Uralsib.

Enough reliable

• UniCredit,
• Home loan
• Promsvyazbank,
• Citibank,
• Russian standard,
• ROSBANK,

It is enough, it means these banks can also be trusted quite. In fact, the selection system binary: reliable - unreliable, and the sequence of listing in the lists no "rating" does not reflect.

And in the currency?

And how to choose a reliable bank for currency operations and / or abroad? In this case, it is better not to be causing a sly, to use the rating of the reliability of banks by Forbes; They "for the hill" there are more visible, and they are already said, know:

• Citibank,
• Norda Bank,
• HSBC,
• Gazprombank,
• Sberbank
• Rosselkhozbank,
• VTB 24,
• UniCredit Bank,
• Rosbank.

As you can see, "Ba! Familiar all persons! ". Only a sequence changed; This list is lined up according to the Forbes rating. There are still "transparency". How they understand it - their business, banks are still reliable.

Antinegencies

To such, I relate to the banks on fire, but in all data absolutely unreliable. To surprise, there were only two: Renaissance loan and Tinkoff credit systems. In addition to bad objective indicators, a lot of complaints can be found online for rudeness, incompetence, unauthorized introduction of changes to contracts without notice, hidden commissions unprotected from card fraudsters.

Outcome

In the reliability of all the banks mentioned in the article and there is no doubt. As well as quite many other large, not mentioned. And your nearest, dear reader, a small local bank can also be quite reliable. And very profitable.

And, if the material of the article helps you find such and make a profitable investment - it means that I caught not in vain.

Profitability of capital

Shows how efficiently the bank's own funds are used. When calculating the indicator, net profit was cleared of gratuitous assistance of the owner, which in the reporting on RAS is reflected in the income statement and often distortes profitability. If this situation persists for a long time, the owners can be disappointed in the banking business and stop supporting the bank or even begin to bring assets through loans to technical companies.
In the latter case, the financial condition of the bank may worsen quickly and sharply.
Profitability above the average value of the banking system (-4.4% of 100 large banks) may indicate a significant proportion of a cheap client base, successful speculative operations, placement of assets in high-profile risky operations. This indicator is estimated in combination with capital adequacy (H1).

Regulatory instant liquidity

Restricts the risk of loss with solvency bank within one day. This is the attitude of assets that the bank can be implemented within one calendar day, to the obligations of the Bank itself, which it must fulfill within one calendar day. The minimum value of H2, established by the Central Bank, is 15%.

Capital adequacy

Dangerous is the combination of low capital adequacy (less than 11%) and low capital profitability (less than 10%). Low capital adequacy means that further growth of assets requires an adequate rate of increase in capital. With low profitability or business bank will be stagnoes, or the owners will have to constantly maintain its inflows of capital.
With high profitability for capital extensions, owners are just enough to abandon large dividends. In addition, the low level of capital adequacy of the Bank shows its vulnerability in case of receipt of unforeseen losses, for example, in the case of a borrower default, which has not previously caused serious concerns.

Deposits of the population

The high level of large credit risks is characteristic of banks dealing with legal entities, and can speak both of the narrowness of the client base, and about lending to very large companies. In both cases, a large borrower in negotiations with the bank has the opportunity to sell a low interest rate - hence the low yield of such lending. Therefore, the funding of large loans by the deposits of individuals, a fairly expensive view of the liabilities, can undermine the profitability of the bank, and after it is the financial stability of the bank.

As we thought

The rating of one of the agencies is the easiest way to assess the reliability of the bank. If there are problems and the subsequent decrease in the rating of banks often tear contracts with agencies. Lack of rating does not mean that the bank has problems, but the presence of a high rating can be considered a certain guarantee of reliability. Lacmus paper taking place in the bank can also be individual indicators, such as excessive concentration of operations in industries or customers against the background of a small stock of capital and liquidity, low profitability in combination with low capital adequacy against the background of a significant share of population deposits, the funding of long-term loans of legal entities due to deposits Physly. This year we have changed the methodology: in addition to international rating agencies, the ratings of the Agency Expert RA Agency were taken into account. At the first stage, we chose banks based on three parameters: the presence of rating, assets of more than 10 billion rubles, the share of deposits of individuals more than 3% of liabilities. With several ratings, the maximum was taken into account. In each of the five groups of reliability, banks occupy places in accordance with the ratings and the size of assets.

To understand which banks is considered the most reliable in Russia in 2019, it is enough to look at the ratings of credit institutions. Rating is an objective assessment of activities that make up of several indicators, the most clearly displaying position.

It is very important to objectively assess the reliability of a banking institution before turning to its services. This is especially important if you want to make a contribution in it, i.e. Attach your own funds for long storage. Now many banks lose their licenses and close, and investors are forced to wait for compensation for their accounts.

1. Indicators' mains

• assets (net)

• profit clean
• capital
• credit portfolio
• overdue debt
• deposits (attracted funds)
• investments in tools (securities).

1. Performance indicators

• Profitability of capital.
• Profitability of assets.

1. Balance indicators.

• Regulatory instant liquidity

Limits the risks of loss of solvency of a bank organization for one day. This is the attitude of assets to liabilities throughout the day. The minimum value established by the Central Bank of the Russian Federation is 15%.

• Profitability of capital

It is an indicator of how efficiently the organization's own funds are used. Profitability above average can talk about a large share of a cheap client base, placement of assets in high-profile operations associated with risk.

The indicator is estimated in combination with capital adequacy. Low capital adequacy means that the growth of assets requires rapid rates of increasing the number of equity.

With low profitability, owners will have to constantly maintain capital by infusion, and with high to increase it, it is necessary to abandon large dividends.

When choosing the most sustainable credit and financial organizations for deposits, different resources are based on the assessment of rating agencies, folk polls and customer reviews. The Central Bank of the Russian Federation in the preparation of top uses the adequacy of its own funds.

The most reliable

Whatever the indicator we consider, the first line will be held by Sberbank of Russia. There is nothing surprising. The largest bank with the All-Russian branch network (his offices are in all settlements, whether the villages, villages, villages, not to mention the cities).

The controlling stake in this bank belongs to the state. Its assets and capital are three times superior to similar indicators of even such a giant as VTB. Sberbank is an unconditional leader in all positions.

It is here that people turn to::

• open
• open a bank account
• issue
• get a loan (),
• make a translation
• make payment of goods, services,
• translate money from one currency to another,
• get used cell or safe, etc.

If you need to reliably save your accumulations, then we recommend that you contact Sberbank. Of course, the yield itself will be low, now it does not exceed 6% per annum (during the period of various shares - up to 7.6%), but the main advantage will be the fact that you will be calm for your savings.

This banking enterprise participates in the deposit insurance system, which gives the client additional reliability. Note that the overwhelming majority of private firms and cooperatives, which promise 15-20% per annum, can not guarantee anything.

Of course, most citizens of our country prefer to contact Sberbank, because It belongs to the state, and can offer its customers the most profitable and "transparent" tariffs. However, he is not the only country in the country and worthy of confidence.

At the moment there is data only in the end of 2018, because Ratings are drawn up on the basis of final figures per year. Here is the most pressing information on assets collected in the reliability rating of Russian banks (in brackets - the number of assets in thousand rubles).

The most reliable banks for deposits: Top 10 banks in Russia

• (27 948 167 428),
• (13 747 721 706),
• (6 476 874 005),