Attractive deposit rates are not always a guarantee of receiving maximum income. Just the opposite - the higher the interest, the more aggressive the marketing policy for attracting deposits is. financial institution— the higher the risks that when returning Money their owner may experience difficulties.

Of course, if the deposit amount does not exceed 1.4 million rubles, the legality of the transaction is beyond doubt, and the depositor has nerves of iron - you can try to take the money even to a bank that is predicted to go bankrupt soon. However, only a few clients are willing to take such risks with their personal money - most people prefer more modest income in exchange for confidence in their return.

• Highly liquid assets
• Issued interbank credits
• Investments in securities
• Investment in the capital of other organizations
• Loans individuals:
• Loans to enterprises and organizations
• Fixed assets and intangible assets
• Other assets

The value N/A means that there is no data on the website of the Central Bank of the Russian Federation.

To quickly find the bank you need, use the search bar. By default, 10 banks are presented, to see more, click “show 100 entries”

Bank reliability rating 2018 (top 50)

Place	Bank	May, 2018, thousand rubles	May, 2017, thousand rubles	Thousand rubles	Difference, %
1	Sberbank of Russia	25 006 454 545	22 317 151 661	+2 689 302 884	+12,05%
2	VTB	12 468 025 960	9 393 512 797	+3 074 513 163	+32,73%
3	Gazprombank	5 946 724 041	5 416 844 455	+529 879 586	+9,78%
4	National Clearing Center	3 465 767 112	2 464 362 281	+1 001 404 831	+40,64%
5	Rosselkhozbank	3 327 043 880	2 755 031 289	+572 012 591	+20,76%
6	Alfa Bank	2 892 049 560	2 472 744 597	+419 304 963	+16,96%
7	Credit Bank of Moscow	1 933 530 001	1 330 018 139	+603 511 862	+45,38%
8	Bank "FC Otkritie"	1 828 084 178	2 722 761 074	−894 676 896	−32,86%
9	Promsvyazbank	1 421 467 237	1 283 197 247	+138 269 990	+10,78%
10	UniCredit Bank	1 366 781 113	1 183 841 970	+182 939 143	+15,45%
11	Russia	993 769 885	780 231 463	+213 538 422	+27,37%
12	Raiffeisenbank	953 459 730	805 851 182	+147 608 548	+18,32%
13	Binbank	947 087 285	1 178 974 006	−231 886 721	−19,67%
14	Rosbank	922 320 516	786 235 336	+136 085 180	+17,31%
15	Rost Bank	792 955 672	636 980 612	+155 975 060	+24,49%
16	Sovcombank	749 422 378	581 771 116	+167 651 262	+28,82%
17	Bank "Saint-Petersburg"	651 242 823	591 397 431	+59 845 392	+10,12%
18	BM-Bank	645 825 388	619 807 540	+26 017 848	+4,20%
19	National Bank "Trust"	580 352 414	393 653 854	+186 698 560	+47,43%
20	All-Russian Regional Development Bank	575 501 659	308 401 770	+267 099 889	+86,61%
21	Moscow Regional Bank	574 713 002	509 698 621	+65 014 381	+12,76%
22	Bank Uralsib	526 021 205	457 018 803	+69 002 402	+15,10%
23	AK Bars	494 757 913	464 206 520	+30 551 393	+6,58%
24	Citibank	487 600 138	459 839 026	+27 761 112	+6,04%
25	SMP Bank	402 587 126	313 713 115	+88 874 011	+28,33%
26	ING Bank	386 922 970	196 210 145	+190 712 825	+97,20%
27	Russian standard	377 966 304	397 123 696	−19 157 392	−4,82%
28	Novikombank	354 343 225	244 988 869	+109 354 356	+44,64%
29	AVB Bank	327 095 464	n/a	n/a	n/a
30	Russian Capital	316 916 391	357 748 152	−40 831 761	−11,41%
31	Tinkoff Bank	311 106 225	203 086 801	+108 019 424	+53,19%
32	Post Bank	309 015 733	160 436 196	+148 579 537	+92,61%
33	Svyaz-Bank	292 742 436	275 039 403	+17 703 033	+6,44%
34	Ural Bank for Reconstruction and Development	288 750 811	381 881 348	−93 130 537	−24,39%
35	Peresvet	284 464 985	n/a	n/a	n/a
36	Eastern Bank	281 214 436	276 959 290	+4 255 146	+1,54%
37	Moscow Industrial Bank	275 952 612	267 238 057	+8 714 555	+3,26%
38	Absolut Bank	257 256 684	273 634 228	−16 377 544	−5,99%
39	Home Credit Bank	251 258 778	220 594 049	+30 664 729	+13,90%
40	Renaissance	250 353 510	254 948 088	−4 594 578	−1,80%
41	Surgutneftegazbank	245 684 226	193 699 001	+51 985 225	+26,84%
42	Bank Zenit	224 046 851	253 129 654	−29 082 803	−11,49%
43	RosEvroBank	203 558 904	176 870 908	+26 687 996	+15,09%
44	Express-Volga	191 678 413	161 357 905	+30 320 508	+18,79%
45	MTS Bank	179 265 711	164 107 109	+15 158 602	+9,24%
46	DeltaCredit	179 245 458	157 934 624	+21 310 834	+13,49%
47	Transcapitalbank	176 769 936	204 628 714	−27 858 778	−13,61%
48	Nordea Bank	168 790 329	215 604 686	−46 814 357	−21,71%
49	RNKB	148 725 880	87 269 914	+61 455 966	+70,42%
50	Investtorgbank	147 811 405	130 511 368	+17 300 037	+13,26%

Related materials: Emergency consolidation banking sector

How to assess the reliability of a bank?

Statistics show that over the past ten years the number of banks in Russia has decreased threefold, from 1136 as of 01/01/08, to 358 as of 01/01/18. In 2017, the Central Bank of the Russian Federation continued its policy of “cleaning up” the banking system, revoking the licenses of another 45 institutions. In addition, in August-September, FC Otkrytie and B&N Bank, included in the list of the largest private banks in the Russian Federation, were under the threat of reorganization.

In connection with these events, many Russians today have a question about how to ensure the financial stability of a bank. The problem is that even after completing the “Enlightenment” course from the Central Bank of the Russian Federation, it is difficult to do this on your own, so investors have to rely on information from open sources - the official website of the institution, various ratings and customer reviews.

Among assessments of banks’ activities, the credit ratings of international agencies S&P, Moody’s, and Fitch carry the greatest weight. However, this procedure is paid, so not all organizations undergo it. In addition, even if there is a rating, there is no guarantee that the bank does not have any problems, because the reporting used may be distorted or already outdated, and the opinion of experts may be erroneous.

In this situation the most reliable way make sure of the financial stability of the institution - use the list of systemically important credit organizations of the Central Bank of the Russian Federation. These banks account for 2/3 of banking assets, so we can assume that the regulator will support them under any circumstances, which means that storing money in them is the safest.

One of the latest examples is the revocation of the license from one of the large banks of the Russian Federation - PJSC YuGRA (30th place among Russian banks in terms of assets in 2016, developing mortgages and refinancing), liquidated in 2017. According to the first deputy chairman of the Central Bank of the Russian Federation, Dmitry Tulin, one of the reasons why the Central Bank of the Russian Federation “did not save” the bank was that: “Ugra” was not a systemically important bank.”

Related materials: The hole in Trust Bank has increased by 200 billion

The most profitable banks in Russia since the beginning of 2018 (top 10)

Place	Bank's name	Indicator, thousand rubles for 2017	Difference in % ratio for 2017
1	VRB	+1 428 562	+248,24%
2	AVB Bank	+194 820 283	+147,28%
3	ING Bank	+216 215 408	+126,66%
4	Inkarobank	+1 858 769	+120,38%
5	Bank Credit Suisse	+16 384 534	+91,18%
6	VUZ-Bank	+36 913 286	+73,93%
7	Modern Business Standards	+1 488 357	+73,47%
8	St. Petersburg Investment Bank	+1 464 627	+70,90%
9	J.P. Morgan Bank	+13 890 683	+65,78%
10	Genbank	+18 729 803	+65,71%

What is the Central Bank of the Russian Federation based on?

The reliability rating is based on two factors - the number of branches and taking into account one of the key indicators for the reliability of the bank - the amount of equity capital. After all, it is precisely the lack of equity capital that credit organization To fulfill obligations to depositors and creditors, the regulator refers by revoking licenses from banks.

According to the Bank of Russia standards, the sufficiency own funds(capital) of the bank should be at least 10-11%. If this standard decreases below the minimum value, the regulator has the right to revoke the license of the credit institution. Therefore, speaking about reliability banking organization, first of all, all experts pay attention to its size.

Bank reliability rating 2018

Sberbank of Russia, which every second depositor in the country trusts with their deposits, traditionally tops the rating of bank reliability in 2018 according to the Central Bank. Equity institutions exceeds 3.3 trillion. rub., which is an absolute record among all banks in the country. In terms of the size of its network of branches and ATMs, Sberbank is also the largest financial institution in the country.

It is worth noting that Sberbank has been leading the way in loans and deposits for individuals for many years, is the largest card acquirer, and is actively developing credit cards. 2/3 of the country's adult population has already entrusted the payment of their pension to this bank. Sberbank has special measures for them good conditions, bonuses and credit lines and other banking products.

In its activities, Sberbank focuses on the development of remote services. The Sberbank Online system, according to many experts, is one of the best today. Using this service, bank clients in their account, which can be entered from home, can easily open a deposit, transfer money, pay public utilities and even apply for a loan.

In addition to Sberbank, in the first ranks of the TOP 100 bank rating in terms of reliability, according to the Central Bank, there are a number of state-owned banks - VTB, Gazprombank and Rosselkhozbank (in the TOP 10 banks in terms of reliability, occupying 2, 3, 5 places, respectively). The public's trust in banks where the state is a shareholder allows them to consistently occupy the highest positions in all ratings.

Speaking about the VTB Group, one cannot fail to mention the bank’s successes in the retail business, which is actively developing today. Among the drivers especially remembered by the population are: bonus program"Collection and multicards." On January 1, 2018, VTB24 merged with VTB, which automatically brought the merged bank to even higher positions in all ratings.

Reliability is updated monthly according to the Central Bank of Russia. Official indicators immediately influence the information provided on our website. The idea of ​​reliability in 2020 is formed by:

• net profit,
• overdue debt in the loan portfolio,

How banks are rated by reliability

• sufficiency own money organizations,
• quality of management decisions,
• efficiency of cash flow and quality of income,
• feasibility of asset management from the point of view of ensuring liquidity.

In 2020, the majority of Russian citizens give preference to financial organizations that are partly state-owned, have consistently high numbers, and are on lists compiled not only by the Central Bank of the Russian Federation, but also by financiers and analytical sources.

Regular study of the reliability rating of Russian banks allows you to track adjustments occurring in the financial sector. Constant monitoring helps you learn about new, more loyal programs aimed at attracting new customers and supporting existing ones.

Formation of a rating of the most reliable banks

The top reliable banks according to the Central Bank of the Russian Federation are formed by assets, taking into account the reduction in the amount of liabilities in the form of debt obligations. After identifying this data, a list of reliable financial institutions is compiled.

Finding a financial organization in the TOP 100 or 50 best and most reliable is a very good criterion that inspires trust. Especially considering the fact that there are more than 600 different financial organizations in Russia. The specificity is that the leaders offer automatic insurance for the amount of any depositor. This means that if unforeseen circumstances occur, you will still receive the money.

According to AHML, 2017 was the most successful year for the mortgage segment: since May, the monthly growth rate of loans issued has been more than 40%, thanks to which key indicators market development not only exceeded the level of 2016, but also broke the record values ​​of 2014. The material examines the mortgage portfolios of banks, the level of overdue debt on them, the volume and number of loans mortgage loans in a territorial context and in terms of the purpose and terms of lending.

Questionnaires for participation were sent to the top 100 banks by retail volume loan portfolio, as well as previous rating participants. 30 banks and three banking groups took part in the rating.

At the end of 2017, the first place in terms of the volume of the mortgage portfolio (we did not take into account the volume of acquired claims) was expectedly taken by Sberbank of Russia with a total portfolio of 2.9 trillion rubles. In second position was the VTB Group with a mortgage portfolio of 1.08 trillion rubles. Gazprombank closes the top three, whose mortgage portfolio as of January 1, 2018 is equal to 256.1 billion rubles. Let us note that, according to the Bank of Russia, the total volume of the mortgage portfolio of banks in the Russian Federation reached 5.34 trillion rubles at the end of 2017. The total volume of the mortgage portfolio of the participants in our rating amounted to 5.27 trillion rubles, 80% of which is accounted for by the three leading banks.

Note that the largest increase in the mortgage portfolio in the second half of 2017 was shown by Rossiysky Capital Bank (104.9%), which is primarily due to a change in its business model. Let us recall that Rossiysky Capital Bank was transferred to AHML by government decision; on its basis, a universal mortgage and construction bank will be created, the task of which is to enter the top 3 in terms of mortgage issuance by 2020. Also, a significant increase in the mortgage portfolio was characteristic of Uralsib Bank (thanks to which it was able to move up four places in the ranking) and Investtorgbank. The largest share of mortgages in their portfolios is held by such market players as DeltaCredit Bank, Absolut Bank, RosEvroBank, TKB Group, Zenit Bank, Svyaz-Bank and Gazprombank ().

Along with market growth in 2017, experts noted a drop in the volume of overdue mortgage debt. In the second half of the year, the average arrears among the rating participants decreased from 3.15% to 3.08%. However, since a number of large banks did not provide their data on this indicator, the real figure may be different. The minimum value of arrears for the top 20 participants in the rating with its smallest share in the portfolio was 0.03% (this indicator was shown by Credit Ural Bank), and the maximum was 2.33% (indicator of Svyaz-Bank). It is noteworthy that Rossiysky Capital Bank was able to reduce the share of mortgage arrears from 1.28% at the end of the first half of the year to 0.23% at the end of the year (the rate of reduction in arrears for other players is less significant).

In 2017, banks participating in the rating collectively issued 1.07 million mortgage loans worth more than 2 trillion rubles. In total, according to the Central Bank of the Russian Federation, 1.09 million mortgage loans worth 2.02 trillion rubles were issued in Russia. The leaders in these indicators are naturally Sberbank and VTB Group. The third place in terms of the volume of loans issued at the end of the year was taken by Gazprombank, which displaced Raiffeisenbank from this position to fifth place (.

The struggle for the number of loans issued was more intense. Due to record disbursements in the second half of the year, Gazprombank was able to displace Raiffeisenbank from the fourth position, which it occupied by this indicator in the first half of the year. At the end of the year, Raiffeisenbank took sixth place, issuing 731 loans less than the Societe Generale (SG) group in Russia (including DeltaCredit Bank and Rosbank). The third place in terms of this indicator throughout the year was occupied by Rosselkhozbank. Please note that RNKB and UBRR presented data on the volume and number of loans issued only for the second half of 2017, and therefore we did not evaluate them based on these criteria at the end of the year (.

The majority of all mortgage loans issued in 2017 were in the regions, which is quite natural: according to AHML, 48% of all mortgages in Russia are issued in ten regions (Moscow, Moscow region, St. Petersburg, Tyumen region, Republic of Tatarstan, Sverdlovsk region, Republic of Bashkortostan, Krasnodar region, Novosibirsk region, Krasnoyarsk region).

More than 50% of all mortgage loans in 2017 were issued on the secondary market. Despite the fact that last year a number of banks actively launched many promotions and special offers with developers for the purchase of new buildings and refinancing of such loans, the end of state support for mortgages at the end of 2016 had a significant impact on the reduction in the number of transactions with primary real estate.

It is noteworthy that following the results of the second half of the year, a tendency to reduce the terms of issued mortgage loans began to be clearly visible on the market. Despite the fact that more than 50% of the total number and volume of mortgage loans provided last year were long-term, the share of short-term loans (for a period of up to ten years) in the segment is gradually growing. This suggests that thanks to the unprecedented low rates mortgages, borrowers now have the opportunity to take out loans for less long term, which ultimately allows you to significantly reduce the amount of the final overpayment on the loan ().

“To summarize, we note that the key factors for the record growth of mortgages in 2017 were the reduction in rates (down by 2.41 percentage points over the year) and the easing of down payment requirements by banks. If a year ago you get a loan at 10% per annum at 10 percent down payment was unrealistic, now there are many offers on the market with such conditions. And despite the fact that from January 1, the Central Bank tightened the requirements for low-payment mortgages, experts agree that market growth will continue in 2018. This will be partly facilitated by the government’s launch of a program to subsidize mortgage rates for borrowers with children,” adds a leading expert on credit products Banki.ru Inna Soldatenkova.

In 2017, 45 financial organizations in Russia have already closed. For comparison, in 2016, the total number of banks that lost their license exceeded one hundred. Almost the same situation was observed in 2015.

The consequences of the closure of a banking organization are problems arising for depositors and borrowers. To protect potential clients This is why the Central Bank regularly compiles a reliability rating. It is designed to suggest cooperation with which financial organization involves the least risk. When compiling ratings, the Central Bank evaluates big number significant parameters, after which appropriate conclusions are drawn about institutions operating in the banking sector.

In 2017, the reliability list was again topped by Sberbank, followed by VTB, and Gazprombank closed the TOP-3. Next are FC Otkritie, VTB 24, Rosselkhozbank and Alfa-Bank.

How is the reliability of banks determined?

To assess reliability, the Central Bank takes into account the following factors:

• net assets (full assets excluding debt obligations);
• the amount of funds that were invested by persons in this institution;
• the number of transactions in the interbank market - how many credit funds were received and issued.

Having analyzed the bank’s work according to the proposed parameters, it is possible to identify organizations that provide positive or Negative influence on banking system Russia as a whole. The latter, naturally, are at risk, and their license may be revoked. (List of banks that may lose their license this year)

How are the places in the Top 100 reliability rating from the Central Bank distributed?

The first position in the top 100 banks of Russia according to the Central Bank for 2017 once again went to Sberbank. The places of other banks are also interesting, about whose services almost every one of you has heard. For example,

• Reliability rating of Moscow Credit Bank is relatively high and corresponds to ninth place among all Russian institutions.
• Pochta Bank's rating is lower compared to MKB; accordingly, it received 45th place.
• Tinkoff's 38th place in the reliability rating suggests that you should trust the first online bank Russia can.
• The 29th position of Bank Ugra does not raise any questions either.
• Unicredit ranks 11th in the top 100.
• Moscow Industrial Bank is ranked 33rd.
• Alfa Bank is on the number 7.
• Russian Capital received a well-deserved 27th place.
• VTB 24 is considered one of the most reliable organizations - 5th position.

The places of other well-known institutions were distributed as follows:

• Trust Bank – 24,
• Renaissance Credit – 64 (by the way, you can get a loan from Renaissance Credit right now by submitting an application),
• Uralsib – 20,
• Absolute – 32,
• Opening - 4,
• Legion - 168,
• Eastern - 31.

Top 10 banks in Russia according to the Central Bank for 2017

Interestingly, a high position in the rating is not a 100% guarantee that there is no risk of bankruptcy. For example, Sovetsky was in the second ten, but it all ended in bankruptcy and the transition to the control of Tatfondbank. At the same time, the reliability rating of Russian banks still remains the most reliable source of data. The most reliable banks in Russia:

• Sberbank;
• VTB Bank of Moscow;
• Gazprombank;
• VTB 24;
• Rosselkhozbank;
• FC Otkritie;
• Alfa Bank;
• National Clearing Center;
• Credit Bank of Moscow;
• Promsvyazbank.

In close proximity to the first 10 are such financial organizations as

• UniCredit,
• Binbank,
• Rosbank,
• Raiffeisenbank,
• Russia,
• RostBank,
• BM-Bank,
• Sovcombank,
• Saint Petersburg,
• Uralsib.

You can trust all these organizations with your financial resources in the form of deposits. Also, having received a loan from one of these institutions, individuals will not have to find out after a few months the name of another organization to which to transfer monthly installments after the lender’s bankruptcy. (Details about where to pay the loan if the bank “burst”)

When will the rankings for 2018 be compiled?

Previously, the Central Bank published the reliability rating for the next year only at the end of the current year. Nowadays, the data is updated monthly to ensure it remains up-to-date with how quickly the situation can change. Yes, and there is a lag between some financial institutions is minimal.

Thus, back in June 2017, Otkritie FC was in fifth position in the rating, and already in July 2017, Rosselkhozbank pushed it to 1st position. This happened due to the fact that Otkritie’s assets immediately fell by 4%, while those of Rosselkhozbank increased by almost 8%.

As for 2018, the forecast for its start can be expected in December 2017. Huge changes compared to current year experts don't expect it. Certain institutions from the TOP 100 may rise or fall by a maximum of 10 positions. More significant changes (growth or decline) are shown by organizations located outside the top hundred.

“Which bank should I entrust my savings to? Which of them is considered the most reliable today? — these are questions users ask every day.
To answer these and many other questions, you need to know what types of banks there are? What level of reliability do they have? What are the ratings? And what is the basis of each of them?

When studying information about a particular bank, you will notice that each description of a financial institution is supplemented by its rating.

In order to compile a rating of a credit organization, financial analysts study the results of its activities, calculate assets, loans issued, and also take into account the indicators of the deposit portfolio and the dynamics of profit growth. The data obtained is considered to be the official rating of the bank.

Determining the level of bank reliability is determined by specialists who analyze a huge amount of data and compare various financial reports.

Based on these indicators, the prospective client can judge the degree of reliability of the banking institution, and will be able to decide to cooperate with it or not.

Criteria by which one can judge the reliability of a bank.

Banking institutions treat the rating results with special attention. This behavior is dictated by the fact that the presence of a high rating means improving the image of the bank, strengthening its position in the banking environment, as well as trust from the Central Bank of the Russian Federation and the population.

There is no doubt that the reliability rating of Russian banks for deposits is of great importance. After all, it is important for each client that the bank he has chosen can return all invested savings in full, and with the interest due. Therefore, before making a choice in favor of a particular financial institution, the client studies the history of creation, reviews, etc. The fact of the presence of the state in the life of the bank does not go unnoticed.

However, there are criteria by which the degree of reliability of a financial institution is determined. These include:

1. Return on Equity;
2. Instant liquidity ratio;
3. Capital adequacy;
4. Public deposits.

Criterion	Characteristic	Note
Return on Equity	This indicator shows how efficiently the bank uses his own money, what is the profit, and what is his profitability. If this indicator is above the average level - this means that the bank invests significant funds in risky speculative operations. The result of such a policy may result in the loss of a significant customer base, which will lead the bank to a rapid and sharp deterioration in its financial condition.	This indicator is most interesting to investors.
Instant liquidity ratio	Shows the bank’s ability to make payments not only in within one working day, but also in the near future. Calculated as the ratio of bank assets to its obligations. Moreover, the calculation is limited to one calendar day.	The value of this indicator is established by the Central Bank. The minimum indicator is 15%.
Capital adequacy	An indicator characterizing the stability of the bank. Thanks to to him the bank can carry out its activities as usual mode, despite any crisis situations.	The most dangerous situation is considered to be in which the bank there is low capital adequacy and low profitability.
Public deposits.	Deposits are a source of borrowed liquid funds for a bank. Increasing quantity open deposits depends what policies are pursued by the bank's management?	Profitability and financial stability bank depends on how from both the loan and deposit portfolios.

The presence of high indicators according to the above criteria may indicate that the banking institution has a high level of solvency.

However, as practice shows, both for applying for a loan and for a deposit, users tend to trust more the bank that is considered state-owned.

Can the government influence bank ratings?

The instability of the global economy led to the government deciding to intervene in banking activities. To avoid bankruptcy of large financial institutions, their controlling interest shares

Today in Russia about 50 banks are under state control. It manages some directly, others through various companies. But whatever this guidance, the fact remains unchanged that when making decisions, these financial institutions take into account, first of all, the interests of the state. Prominent representatives of such banks are Sberbank, VTB, Rosselkhozbank and Gazprombank.

By supporting the bank, the state directly influences its rating. After all, it automatically becomes more stable and more reliable. He will always be able to answer for his obligations. Such a financial institution is trusted not only by the Central Bank, but also by depositors.

Of course, the bank state participation can offer comparatively low percentage on deposit, and high on loan. But as statistics show, most people tend to make a choice not in favor of making more profit, but in favor of opportunities to return your savings.

Which banks does the government support?

As noted earlier, the state is interested in supporting the banking sector. Its participation has a positive effect not only on the country’s economy, but also on the work of the financial institution itself. As a result of such activities authorized body makes ratings.

The reliability rating in 2018 underwent some changes. This is primarily due to the revocation of licenses in many banks. However, there are a number of names that the state will provide support if necessary. IN this list included those banks whose assets amounted to 60% of the total volume of all banking assets in the country.

More detailed information presented in the table:

Name of the bank	Short description
Sberbank	Ranks first in reliability rating. Is different harsh attitude towards clients, but despite this is different increased reliability, in particular for deposits. The total amount of financial capital is 22 billion rubles.
VTB	In 2016, the Bank of Moscow joined the bank, which had a positive impact on the financial institutions. The amount of financial capital was 9.5 billion rubles.
Gazprombank	A bank that mainly focuses on oil companies clients. Assets amounted to 5.2 billion rubles.
VTB 24	About more than 60% of the total number of shares are in “in the hands” of the state, which allowed the bank’s assets to grow to 3.14 billion rubles.
FC Otkritie	This is one of the largest holdings in the country. Own capital amounted to 2.8 billion rubles
Rosselkhozbank	The sole and full shareholder of the bank is Rosimushchestvo. The bank's capital is 2.8 billion rubles
Alfa Bank	The bank is different in that it is completely non-state, but is considered one of the most significant for the country's economy. The capital volume is 2.5 billion rubles
National Clearing Center	A subsidiary of the Moscow Exchange. Only at the beginning 2018 was able to get into the list of significant financial institutions of the country. Operates on the market securities, works with currency, precious metals And other. The total capital is 2.3 billion rubles.
Credit Bank of Moscow	Based on its performance results, the bank is included in the list of key financial institutions of the country. The amount of capital is – 1.45 billion rubles.
Promsvyazbank	Despite the fact that the bank's lending policy population leaves much to be desired, the bank enters the third year in the top ten key banks. Hold such positions for the bank his deposit portfolio helps. The amount of capital is – 1.33 billion rubles.

The activities of the above banks are of great importance for the Russian economy, therefore the state is interested in their support and will provide it, despite any circumstances. The presence of this fact allows banks to enlist the support of their clients.

List of reliable banks for 2018 and their characteristics.

Taking into account the above information, you can make a list of banks that are recognized Central Bank RF in 2017 the most reliable.

Rating of banks by reliability according to the Central Bank for 2018

Name of the bank	Return on equity, %	Instant liquidity ratio, %	Capital adequacy, %	Share of Deposits in liabilities, %	Capital volume, billion rubles
Sberbank	20,2	218	13,7	39,6	22 336
VTB Bank of Moscow	5,6	34,5	11,1	5	9,5
Gazprombank	17,2	82,61	13,15	10,8	5,2
VTB 24	16,3	67,20	10,69	55	13,4
FC Otkritie	5,8	144,1	13,4	19,7	2,8
Rosselkhozbank	1,5	92,3	16,4		2,8
Alfa Bank	3,6	150	14,4	11,3	2,5
Credit Bank of Moscow	2,9	60	12,6	16,2	1,45
Promsvyazbank	12	108	13,5	26	1,33
UniCredit Bank	10,1	145	16,7	8,9	1,2

The table provides information on the main rating indicators. These data are compiled on the basis of reports that banking institutions provide to the Central Bank.

The table shows that Sberbank has the highest ratings. This bank has occupied a leading position for many years, which instills high confidence among the population.

In addition, there is such a thing as credit rating. This indicator is very important for banks.

A bank's credit rating is an indicator of its creditworthiness. Remind that creditworthiness is the state of the bank in which it financial position allows you to take out a loan and repay it on time. This indicator is calculated taking into account the previous and current credit history banking institution.

• AAA rating. Indicates the highest degree of reliability. It is understood that a banking institution with such a description can timely and fully respond to its obligations.
• The AA rating indicates that the financial institution also has a high degree of reliability and will be able to fulfill its obligations.
• Rating A means that a banking institution is more susceptible to adverse events than others. economic conditions, but despite this it can fulfill its obligations.
• BBB - means the bank has sufficient ability to meet its obligations, however, economic crises can significantly worsen his condition.

It is natural that Russian banks V to a greater extent interested in having a high credit rating. For example, Sberbank has a rating of Ba2 (Moody’s), BBB- (Fitch).

Thus, we can conclude that a bank’s reliability rating is a number that consists of many indicators. For example, the presence large quantity operations with small capital reserves, low profitability and low capital adequacy with a large share of deposits, etc.

The lack of a rating does not mean that a banking institution has poor performance. But a decrease in rating can promise the bank significant losses, so the financial institution must work on it every day.