Buying a bank is a big step, but sometimes a country has no other option but to take it, because it may be the only chance to save the “drowning man”. After all, when any systemic, i.e. a large, commercial bank is experiencing significant financial difficulties, then it cannot pay its debts. And here the state comes to the rescue - instead of revoking the license (which was done 32 times by the Central Bank in 2013!), the country buys back the bank's shares, makes it a state bank, pours into it the right amount capital so that he continues to fulfill all his obligations and financially heals him. Thus, state-owned banks in Russia can lose their license only in the most extreme cases, for example, in the event of a complete economic collapse of the country.

The state also has the right to acquire other blocks of shares in state-owned banks. In the "Bank of Russia" and "" the country owns all 100% of the shares, in VTB - 61%, and Vnesheconombank sold only 20% of its shares to private holders.

Also, the acquisition of ownership or the creation of state-owned banks is carried out to establish full control over the regional banking. Vivid examples of this are the following state-owned banks: Bank of Moscow, Khanty-Mansiysk Bank, Bashprombank, Far East Bank, Bank of Kazan and Khakass Municipal Bank.

List of state banks of Russia

	Name of the bank	% state shares
1	Sberbank	51%
2	VTB	61%
3	Gazprombank	51%
4	VTB 24	61%
5	Rosselkhozbank	100%
6	Bank of Moscow	>51%
7	Vnesheconombank	>80%
8	Khanty-Mansiysk Bank	51%
9	AK BARS	56%
10	Svyaz-Bank	99,4%
11	Globex	99%
12	SME Bank	72%
13	Tatfondbank	51%
14	Russian Capital	51%
15	All-Russian Bank for the Development of Regions	>90%
16	Bashprombank	51%
17	Postbank	>50%
18	Krayinvestbank	98%
19	Far Eastern Bank	>51%
20	Gelendzhik-Bank	>51%
21	Russian National Commercial Bank	>51%
22	GPB-Mortgage	>51%
23	Naratbank	>51%
24	Roseximbank	100%
25	Ruscobank	>51%
26	MAK-Bank	>51%
27	Russia	>60%
28	Bank of Kazan	>51%
29	Khakass Municipal Bank	>51%

*Percentage share of the state sometimes changes due to purchases/sales of bank shares.

State-owned or state-supported banks, of course, inspire greater confidence among the population. They belong to the safest category of credit institutions, since state participation provides them with some advantages.

Ways of state participation

The list of state-owned banks in Russia practically does not change and is classified according to the degree of state participation:

• By virtue of law
• Full Participation
• Partial participation
• Indirect participation
• State control

The first option includes banks that are themselves created on the basis of relevant federal laws. And the state does not participate in them, but they themselves personify the state: central bank.

The second method includes banks where the state owns 100% of the bank's shares. For example, Rosselkhozbank or RNKB.

Partial is the presence of a controlling stake in the state. A classic example of such a bank is Sberbank. Although everyone considers it to be state-owned, in fact, the state owns only 52.32% of its shares represented by the Bank of Russia. But at the same time, no one considers the Bank Russian capital state, and after all, the share of participation in it of the state represented by the DIA is 100%.

Indirect - this is when state participation occurs through one of the controlled organizations, and not directly. The most understandable example is the banks of the VTB group. Thus, more than 99% of the shares of VTB24 belonged to VTB. In turn, the state owns 60.9% of VTB itself. Consequently, the state also owned VTB24.

There are also more complex designs - Postbank. More than 96% of its shares belonged to 96.784% of Svyaz-Bank. The shares of Sviaz-Bank itself are owned by Vnesheconombank (more than 99%). And Vnesheconombank is already state-owned, acting on the basis of a special federal law.

Control. This category can include those organizations in which a temporary administration has been appointed, for example, during the rehabilitation of the DIA or after the revocation of the license.

Banks with state support list 2019

Bank	Participation share
By virtue of law
Bank of Russia (Central Bank Russian Federation)	86-FZ "On central bank Russian Federation (Bank of Russia)"
Vnesheconombank (Bank for Development and Foreign Economic Affairs)	(activities are regulated by special law No. 82-FZ "On the Development Bank")
Full Participation
JSC "Rosselkhozbank"	100% voting shares (Rosimuschestvo)
RNKB Bank (Russian National Commercial Bank)	100% (Rosimushchestvo)
JSCB "RUSSIAN CAPITAL"	100% Mortgage Agency housing loans(JSC AHML)
Partial participation
JSC "SME Bank"	100% Federal Corporation for the Development of Small and Medium Enterprises
JSC ROSEXIMBANK	100% Vnesheconombank
JSC "GLOBEXBANK"	99.99% at Vnesheconombank
PJSC JSCB "Svyaz-Bank"	99.7745% - shares in Vnesheconombank
Joint-stock company " All-Russian Bank development of regions” (RRDB)	84.67% owned by Rosneft
OIKB "Rus"	48.5972% Orenburg region 51.2747% Bank "ORENBURG" (99.73% Orenburg region)
VTB (PJSC)	60.93% of the shares are owned by the state (Rosimuschestvo)
AK BARS	64.222% Republic of Tatarstan
Sberbank	52.32% owned by the Central Bank
JSCB "NOVIKOMBANK"	53.83613% Rostec 46.16387% Rosoboronexport
KBER "Bank of Kazan"	42.1724% City of Kazan
JSC Gazprombank	87.5955% - PJSC Gazprom, incl. affiliated companies 8.5341% - Vnesheconombank
Khakass Municipal Bank	33.362% Abakan
Indirect participation
RNKO "Narat"	100% AK BARS
PJSC "Krayinvestbank"	99.99% - RNKB
State control
Bank FK Otkritie	99.99% Central Bank
Genbank	72.45% DIA 6.89% Republic of Crimea 6.89% city of Sevastopol
TRUST	99.99% Bank of Russia
Promsvyazbank	99.99% DIA
AvtoVAZbank	100% Bank of Russia
Growth Bank	99.99% Bank of Russia (joining with TRUST bank started)
Asia Pacific Bank	99.99% Bank of Russia (publication dated September 28, 2018)
BINBANK	99.99% Bank of Russia (publication dated October 25, 2018)
FUNDSERVICEBANK	99.76% Roskosmos (publication dated 12/07/2018)
Also on rehabilitation:

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Many citizens who decide to use the services of a bank (take a loan or place money at interest) are interested in the following questions: which banks are state-owned in Russia, what does this mean, what benefits does a private person get using the services of such institutions.

The Central Bank is the main one in our country. Its main functions can be considered:

• issue of government Money;
• licensing of commercial establishments;
• adjustment of the entire banking sector in the state.

The banking system of our country includes: state bank; commercial (Alfa Bank, Tinkoff); bank with state support; credit and financial institutions.

The Central Bank of the Russian Federation is the main banking institution of our country

Banking organizations are classified as state-owned if:

• such a decision was made when they were created;
• in connection with the decision of state bodies;
• in connection with the redemption by state bodies of a certain part of the capital from a commercial enterprise;
• in connection with the appointment of an external manager when declaring bankruptcy.

State Bank: what is it

State-owned banks with partial state participation are institutions in which at least 51 percent of the capital is owned by the state. Are there such organizations in Russia?

Of course, there are, these include: the Central Bank of Russia, Rosselkhozbank and many others. With the help of such institutions, the state can implement the implementation of large projects, influence deposit rates, and set interest on loans.

Individuals and large entrepreneurs, choosing a bank for lending or settlements, prefer to deal with state-owned banks. Due to the following benefits:

• high security of funds;
• stable interest on deposits;
• low lending rates.

Banking structures in which the state owns all the capital (100 percent of assets) are completely state-owned. All other institutions can be called commercial, with the difference that:

• if the state has a capital share in the bank exceeding 50 percent, it can fully assume the functions of managing the organization;
• if the state's share is more than 25 percent of the assets of a particular institution, it gets the opportunity to veto any decisions of the leadership.

How the state influences the banking sector

All banks can be divided into several types, depending on the influence of the state on them:

1. Banking structures with full state influence. The Central Bank, Roseximbank, Vnesheconombank are institutions with a 100% state participation.
2. Banking structures with partial state influence. Banks in which the state owns a controlling stake are also called state-supported banks.
3. Banking structures with indirect state influence. Financial commercial organizations, in which part of the capital belongs to foreign companies or states, but the blocking percentage belongs to Russian state-owned companies. This allows you to influence the decisions of the management of the structure.

Sberbank is a state-supported bank

Russian banks with state support include:

1. Rosselkhozbank is wholly owned by the state.
2. Sberbank - more than 50 percent of the capital belongs to the state.
3. VTB - over 60 percent belongs to the Federal Property Management Agency (federal agent for state property management). Therefore, to the question: is VTB 24 a state-owned bank or not? We can give an unequivocal answer: yes, this institution is a state institution.
4. Post Bank - more than 50 percent of the assets belong to VTB, which means that it can also be attributed to state institutions.
5. Gazprombank - over 50 percent of the capital belongs to the State Bank.

State Bank, what is its effectiveness

Recently, the confidence of citizens in such structures has increased significantly, the situation was influenced by: the crisis in the economy, frequent bankruptcies of commercial banks and high interest rates on loans in them.

According to statistics, about 80 percent of Russians use the services of state-supported organizations.

It is state-owned banking institutions that are able to stay on top during a crisis, only such large institutions can afford:

• have many branches throughout the country;
• recruit professionals;
• conduct their training;
• ensure the proper quality of services.

A commercial or private bank, unlike government agencies, does not have the ability to issue debt or bonds, or borrow money on international markets. Only the state has such a prerogative, therefore, it can provide funds to state-supported institutions.

State bodies distribute the received financial resources between banking organizations, which allows those:

• finance state-owned companies;
• issue loans at low rates for the development of agriculture;
• develop promising projects selected by government officials;
• help develop small businesses.

Banks with state support inspire more confidence among the population

On the functions of such institutions

Banks with state support not only provide the following services for the population: settlements, loans, deposits, but also perform the following functions:

• together with the Central Bank, they carry out the policy of the state to improve the situation in the social and demographic sphere;
• form a positive attitude towards the banking sector;
• pursue a policy that will significantly improve the economy and optimally distribute finances;
• shape the market valuable papers, stock markets;
• protect deposits of individuals with the help of insurance programs.

Advantages and disadvantages

State-supported banks have a huge impact on economic situation in the country, this has its advantages and disadvantages.

Advantages:

• such institutions are willingly trusted with their savings;
• they are considered more reliable than commercial organizations;
• differ in stable interest on loans, deposits, mortgages;
• enjoy the support of the state in crisis situations.

The disadvantages include the following:

• due to the high security of deposits, such institutions significantly reduce the rate on deposits;
• to make a decision on lending, they require citizens to provide a large number documents;
• make excessive demands when considering loans.

When choosing a bank where you plan to take a loan or put your money on deposit, a person should not only study the interest rate. It should be clearly understood that its reliability is the most important indicator for the client. No one wants to be left without money or find themselves with a spoiled banking history due to the bankruptcy of a financial institution.

Practice shows that state-owned banks and state-supported institutions are the most reliable today. State structures will not place their assets and keep funds in unreliable institutions. Even non-profit organizations in which there is a share of state funds are almost never revoked licenses for financial activity. Consequently, state-supported organizations are the most the best choice for the capitalization of public funds.

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It would be logical to assume that state-owned banks are banks that are wholly owned by the state through its various corporations and government bodies. However, upon closer examination, it turned out that in most of these credit institutions the share of shares held by the state is limited. That is, part of the shares still belongs to non-state (private) legal and individuals. The extent to which the bank can be called state-owned depends on the size of these shares and their ratio. And if we take into account that, according to the law, the owner may not participate in the operational management of his company, then, according to experts, it is not always possible to identify the state bank with the 100% stability of its business.

Yes, and the legislation equally applies to the rights of depositors of any of the Russian banks. The reliability of the bank is most affected by hired top managers and the business policy they have built. However, there are other more complex risks, in the event of which the state will save state-owned banks from collapse in the first place. But whether the situation that had developed by that time will contribute to this is a question with many unknowns.

In Russia, according to some estimates, there are more than fifty banks in the capital of which there is a state share in one amount or another. For example, did you know that almost 42% of Sberbank shares are owned by foreign individuals and companies? Or what's in the National Reserve Bank the share of Rosimuschestvo (Federal Agency for State Property Management) is now 2.99%. And the Russian Capital Bank passed into full ownership of the DIA state corporation as a result of its reorganization in 2008, which did not allow then a large private bank to go bankrupt. The situation is approximately the same with the Bank of Moscow (formerly private), which has been rescued from the crisis for several years now by its new owner, VTB Bank, which is considered state-owned.

When evaluating any bank for belonging to the state, one must keep in mind the plans of the state itself to slowly sell its shares of property ownership into private hands. For example, within the framework of the competitive environment equation inside banking system The Russian Federation once voiced plans to gradually reduce the Central Bank's share in Sberbank to a quarter. And the current additional capitalization of banks through OFZs as part of anti-crisis measures, on the contrary, will increase the presence of the state (represented by the DIA) in the capital of several private banks.

In the following overview of the most profitable deposits in state-owned banks, keep in mind that, as a rule, in these banks, the highest rates apply only to the multimillion-dollar savings of VIP depositors. For more modest investments, the interest here will be lower, sometimes even one and a half to two times. And if you want to definitely find the highest rates of 15-16.9% for moderate amounts, then it is better to contact small banks, prudently limiting the volume of your deposits there within the insurance liability of the DIA (now 1,400,000 rubles).

The bank and its place in the rating assets in March 2015.	State participation in the capital of the bank carried out through shares held by:	Maximum deposit rate
		in rubles (%)	in currency (%)
Globex	99.99% to Vnesheconombank (100% owner - government bodies of the Russian Federation)	15	6
Absolut Bank	5.29% directly by Russian Railways (100% owner is the government of the Russian Federation); 72.57% NPF Blagosostoyanie (99% owner - various structures of Russian Railways)	15	4,5
VTB 24	99,91% VTB Bank(owner of 60.93% - FA Federal Property Management Agency)	14,6	4,2
Russian Capital	99.99% of the DIA State Corporation (100% owner - government bodies of the Russian Federation)	14,5	5,5
Svyaz-Bank	99.65% to Vnesheconombank (100% owner - government bodies of the Russian Federation)	14,5	6,3
All-Russian Bank for Regional Development (RRDB)	84.67% of Rosneft Oil Company (the owner of 69.5% is OJSC Rosneftegaz, where 100% of the shares are owned by the Federal Property Management Agency)	13,5	4,5
Rosselkhozbank	100% to the government of the Russian Federation represented by federal agency Federal Property Management Agency	13,1	4
Bank of Moscow	96.88% to VTB Bank (the owner of 60.93% is the Federal Property Management Agency)	12,5	4,9
Gazprombank	49.65% of NPF "Gazfond" (the main owner is OAO "Gazprom" through various own structures); 35.54% OAO Gazprom (49.34% owner - FA Federal Property Management Agency) 10.19% to Vnesheconombank (100% owner - government bodies of the Russian Federation)	11	3,5
Sberbank of Russia	52.32% to the Central Bank of the Russian Federation (100% owner - government bodies of the Russian Federation)	10,3	4,2

Bank Globex

Today, out of all four possible deposit offers of the bank, the most expensive one is "Exact calculation". Its range of rates is 11-15% per annum. The profitability depends on the chosen term and the invested amount. Most low interest valid for a period of 2-3 years, and the highest for a period of 6-12 months for ruble savings. Minimum amounts: 100,000 rubles or 2,000 USD / EURO.

The agreement does not provide for replenishment, partial expenditure, capitalization. Interest is paid at the end. Early termination occurs at the rate "on demand". The contract can be concluded in favor of a third party, which is not found in every bank.

Absolut Bank

The deposit "Absolute maximum +" is one of the five offers of the bank. The best rates in rubles here are valid in contracts for up to a year, in foreign currency, on the contrary, for more than a year. You can choose a convenient term "for yourself" in the range of 91-1080 days. The most profitable ruble yield on the terms: 367 days, deposit from 1,400,000 rubles. Smaller savings (from 30,000 rubles) are cheaper.

Additional income-expenditure transactions are not provided for in the deposit. Interest is paid to the depositor at the end of the term. Reduced rate early termination begins to operate in six months.

Russian Capital

In total, the bank has four types of deposits with different conditions. The highest ruble rate of 14.5% operates in three of them, incl. in the Russian Capital Plus agreement, in which the best yield is valid for a period of 395 days, for amounts from 1,500,000 rubles. or from 50,000 euros/dollars. The minimum possible investment amount is 10,000 rubles. or 300 euros or US dollars. The maximum term is 3 years.

Interest is calculated monthly: at choice, capitalized or issued in the form of rent. Replenishment and early withdrawal is possible while maintaining part of the bet under certain conditions.

Svyaz-Bank

Of the ten deposits of the bank, the best in terms of profitability is the agreement "Collection Classic". True, the minimum starting amount in it is 3,000,000 rubles. or 100,000 euros/dollars. The highest percentage is valid on the terms of placement: from 300,000,000 rubles. for 6 months or from 10,000,000 USD/EUR for 1 year. The rates below apply in other contracts, for other amounts and terms (from 1 month to 5 years).

Interest is paid at the end of the term or once a year. There are no partial withdrawals, deposits and early benefits. But there is the possibility of online opening a deposit through Internet banking.

Rosselkhozbank

The bank has just lowered its deposit interest. In total, there are 14 types of deposits with different savings conditions. Now the best rate is valid in the "Gold" deposit, which is opened incl. through an ATM or the Internet. Profitability is tied to the amount (from 1,500,000 rubles) and term (from 1 month to 4 years). The highest rate is offered for savings: from 30,000,000 rubles placed for 6 months and from 50,000 dollars / euros, with a term of 2.5 years.

Interest on this deposit is paid at the end of the term. Additional contributions are not accepted. Debit transactions are not allowed. There are no prepayment benefits.

RRDB

The bank offers its depositors a choice of 12 types of deposits with different conditions. The best ruble deposit in terms of profitability is Prime-M, in which the highest rate works: for a period of 3 months for investments from 100,000,000 rubles. The "Special Status" deposit is the most profitable for investments in dollars: a period of 1 year, from $5,000,000.

Of these two proposals: a ruble deposit fixes monthly payment percent without replenishment options, currency deposit can be capitalized with interest, replenished and partially withdrawn. The preferential rate for early payment is valid in limited cases.

VTB 24

Of the thirteen deposits, the best ones are: for currency - Profitable Online, for rubles - Double. Conditions for the highest rate in rubles: investments from 3,500,000 rubles, 6 months, payment of interest at the end of the term without capitalization, no replenishment options and early termination benefits, is issued in a package with an agreement for investment insurance life.

Conditions for the highest rate in dollars: savings from $ 50,000, the term can be chosen in the range of 12-18 months, capitalization or rent when paying interest, only remote opening through the Telebank system, preferential rate for early maturity.

Bank of Moscow

The deposit portfolio of the bank consists of eleven offers. Today, the best in terms of ruble yield is the “Correct Answer” deposit with ladder interest and quarterly capitalization. There is one rate for any amount (minimum 100,000 rubles). The deadline for all is also the same - 380 days.

The “Maximum income (pension)” deposit is the most expensive for the currency. Best bet valid for savings from 100 dollars / euro for a period of 366-547 days (accurate to the day at the choice of the client). monthly interest either capitalized or paid out at the request of the depositor.

Gazprombank

Deposit "Gazprombank - Perspective" is the best for today in terms of value interest rate. The most profitable ruble deposits are opened for a period of 6 or 12 months with a minimum amount of 1,000,000 rubles. The term for the best foreign exchange savings is 12 months with investments from 10,000 dollars / euros. The minimum deposit amount is 15,000 rubles, 500 USD/EUR. There are five terms to choose from - from 3 months to 3 years.

Interest is accrued once a year and paid (at the choice of the client) in the form of rent or capitalized. There are no additional options in the form of incoming and outgoing transactions. Early termination almost always changes the rate to the demand level.

Sberbank of Russia

The "Save Online" deposit has been the most profitable in the bank for several years. The account is opened remotely via the Internet, ATM or mobile phone. This adds 0.3-0.95 percentage points to the deposit compared to the usual office option without the "Online" prefix. Today, the best conditions for savings are from 2,000,000 rubles. (or from 20,000 dollars / euro) for a period of 6 months to 1 year (accuracy to the day is chosen by the depositor independently).

Income is accrued once a month, the client chooses rent or capitalization in advance. There are no top-ups or partial charges. But six months later, preferential interest begins to operate under the conditions of early termination of the contract.

Oksana Lukyanets, Vkladvbanke.ru project expert

Increased state control in the banking sector has allowed customers to become more selective, and banks have changed the basic principles of work by becoming more careful in choosing financial strategies. Checks and examinations confirmed the opinion of the majority of depositors about the instability and vulnerability of small banks, focusing their attention in the direction of state support.

You should know that the state is the owner of a significant part of the assets not only in large federal structures, but also in smaller banks that are regional and regional.

Based on the realities of the domestic financial sector, state support for the bank is a guarantee of stable operation and reliability, during the existence of this state system, which is currently not being considered.

With a decrease in the degree of financial stability and solvency of the bank, the main investor of which is the state, all necessary measures will be taken to improve general condition organizations.

It is obvious that the inability of the state bank to service debts or cope with the social obligations entrusted to it will first of all hit the prestige of the state itself and undermine the confidence in it of foreign partners and investors. It must be understood that there is a certain division among state-owned banks, according to such criteria as the degree of state participation in the authorized capital or the amount of administrative powers.

Even taking into account the lack of benefits when working with Russian banks, which consists in high percentages in terms of loans and low deposit rates, state-owned banks are most preferred in terms of financial security and operational stability. The main state-owned banks of the Russian Federation are VEB and the Central Bank, which do not have retail chains, but fully realize their operational potential.

Choosing a financial institution to work with credit products or deposits, ordinary citizens prefer large ones with a high share of state participation. This is the case because of the frequent problems among small privates. Troubled times in economic terms, determine the main directions of development of the public financial sector.

The stability and security of state-owned banks is due to the conservatism of their policy, which is dictated by state regulators that control the activities of banks in almost all areas. State banks are the main implementation centers social programs and implementation social policy aimed at supporting certain categories of citizens.

The programs implemented by state banks allow the population to receive affordable loans and use other banking products on preferential terms. In addition to the objective indicators noted by each rating agency, banks with state participation are honored with the trust of the population. In general, trust in government-regulated banks is a recent trend seen around the world.

Types of state banks

State banks are classified according to several criteria, in particular, according to the share of the state in its capital. The main types include:

• Created on demand legislative act;
• Institutions with partial state participation;
• Organizations fully controlled by the state;
• With full state participation;
• With the indirect participation of the state.

When considering the structure created at the request of a legislative act, one cannot talk about the state's share in the capital, since such organizations are part of the state, being one of its bodies. The most well-known structure of this type is the Central Bank of the Russian Federation.

An institution with partial state participation is a structure, most of the authorized capital of which is in the hands of the authorities, and the remaining part of the securities is distributed among minority investors or is in the hands of a private structure.

A typical representative of this category is Sberbank, 52% of whose shares are held by the state.

Problem banks that are in a state of reorganization or are being actively monitored are fully controlled by the state. Also, in the case of the arrival of representatives of the interim administration, controlled by the government, to the apparatus of the board, it changes its status.

Full state participation provides for the presence of tradable assets of the structure. That is, the shares of such a bank in 99.99% of the volume belong to the state. In Russia, Rosselkhozbank can be used as an example. State financial institution, whose work is aimed at the social sphere and the agro-complex - such a status suits this bank better.

With the indirect participation of the state, the emergence of co-dependencies is observed, as in the case of VTB and VTB 24, where the first organization belongs to the second, and that, in turn, is 61% owned by the state.

List of state banks of Russia

If you want to choose the best state-owned bank, you should refer to the list of those. You can identify them by the presence of insurance of the Central Bank.

Among the most famous representatives of their species:

Bank	Participation share
By virtue of law
Bank of Russia (Central Bank of the Russian Federation)	86-FZ "On the Central Bank of the Russian Federation (Bank of Russia)"
Vnesheconombank (Bank for Development and Foreign Economic Affairs)	(activities are regulated by special law No. 82-FZ "On the Development Bank")
Full Participation
JSC "Rosselkhozbank"	100% voting shares (Rosimuschestvo)
RNKB Bank (Russian National Commercial Bank)	100% (Rosimushchestvo)
JSCB "RUSSIAN CAPITAL"	100% Agency for Housing Mortgage Lending (JSC AHML)
Partial participation
JSC "SME Bank"	100% Federal Corporation for the Development of Small and Medium Enterprises
JSC ROSEXIMBANK	100% Vnesheconombank
JSC "GLOBEXBANK"	99.99% at Vnesheconombank
PJSC JSCB "Svyaz-Bank"	99.7745% - shares in Vnesheconombank
Joint Stock Company "All-Russian Bank for Regional Development" (RRDB)	84.67% owned by Rosneft
OIKB "Rus"	48.5972% Orenburg region 51.2747% Bank "ORENBURG" (99.73% Orenburg region)
VTB (PJSC)	60.93% of the shares are owned by the state (Rosimuschestvo)
AK BARS	64.222% Republic of Tatarstan
Sberbank	52.32% owned by the Central Bank
JSCB "NOVIKOMBANK"	53.83613% Rostec 46.16387% Rosoboronexport
KBER "Bank of Kazan"	42.1724% City of Kazan
JSC Gazprombank	87.5955% - PJSC Gazprom, incl. affiliated companies 8.5341% - Vnesheconombank
Khakass Municipal Bank	33.362% Abakan
JSC Ruscobank	25% (+1 share) Leningrad Region
Indirect participation
RNKO "Narat"	100% AK BARS
PJSC "Krayinvestbank"	99.99% - RNKB
State control
Bank FK Otkritie	99.99% Central Bank
Genbank	72.45% DIA 6.89% Republic of Crimea 6.89% city of Sevastopol
TRUST	99.99% Bank of Russia
Promsvyazbank	99.99% DIA
AvtoVAZbank	100% Bank of Russia
Growth Bank	99.99% Bank of Russia (Bank TRUST (PJSC) and JSC ROST BANK merged)
Also on the reorganization of the state: BINBANK, Asia-Pacific Bank, FONDSERVICEBANK.

Even despite the incomplete list of institutions, it becomes clear that the main market players in the banking sector belong to the state or are closely associated with it. It is also obvious that in any addiction group, there are undisputed leaders who receive more attention from clients.

Whatever policy the bank adheres to, it is more important than it financial indicators. If the income of depositors and investors is growing, then the administration has chosen the right path of development. All that is needed to determine the best of them: decide on your own goal and study the activities of the organization you like the most. Everything else will be much easier.