Which banks are reliable? Reliability rating of banks

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

What reliable banks exist today within the financial structure of the Russian Federation? Constant changes in the political and financial sphere of our country have become the reason that residents do not risk investing their money on deposits. The same situation develops in relation to the credit programs of these financial institutions. But if a citizen wants to use the services of such structures, he is recommended to first study the rating of reliability and stability of banks and the conditions they offer. This moment is especially obligatory for those who are planning long-term cooperation with a financial institution. The list of reliable banks was formed on the basis of the expert opinion of financial specialists and data from the Central Bank, as well as taking into account the feedback from customers of these credit institutions.

The main problem of banking institutions is in the service sector. This, unfortunately, also applies to the activities of employees.financial institution. Rudeness and unprofessionalism are found everywhere. If a future client of such an institution wishes to acquire reliable information about the bank's offers, he should receive advice from not one, but several of its employees.

So, which banks are reliable?

Sberbank

This financial association is the largest in Russia, it has the largest share in total assets - it reaches almost 30%. The volume of the loan portfolio is 14 billion rubles, which is three times more than that of the closest competitor. The main advantage of the institution is that it is a state structure: investors should not be afraid of possible loss of funds due to license revocation. In addition, Sberbank has the most extensive infrastructure throughout the country, and ATMs can be found even in the most remote cities.

This is the most reliable bank for deposits.

The main advantages of the institution include:

1. Minimum mortgage rate.
2. Extensive infrastructure.
3. A good and thoughtful bonus program for loans and deposits.

Among the shortcomings of Sberbank:

1. Poor service.
2. Recurring difficulties in the operation of computer software.
3. Long wait due to long queues.

What financial institutions can still be called reliable? Which banks are among them?

Unicredit Bank

Currently, a financial institution offers its customers a wide range of services. This institution serves not only private traders, but also medium and small businesses, and provides them with package services, credit programs, bank guarantees, depository services. To date, there are 26,000 companies and about a million individuals among the clients of the credit institution. As for the percentage of deposits, the bank has a share of 8.9%. The main number of customer complaints is related to poor service in regional offices.

Among the main advantages of the organization "Unicredit" can be noted:

1. Good deposit bonus program.
2. Having a large number of offices in big cities.
3. A convenient online version of bank account management.

Among the disadvantages:

1. Poor service.
2. Small number of offices in small towns.

Many people are interested in reliable banks with high interest rates on deposits.

Rosbank

Is a subsidiary of a group of financial institutions from France Societe Generale. A credit institution has state assets, so the likelihood of revoking its license is minimal. Rosbank is a universal financial structure that serves private depositors and enterprises in various fields. The bank offers its customers attractive loan offers that are beneficial for small businesses with low annual interest rates. HoweverCustomers leave quite mixed reviews. Negative feedback is usually associated with unprofessional service, outdated information about the location of working offices.

Among the advantages are:

1. Support for overseas banks.
2. Presence of state assets.
3. Favorable credit conditions.

The main disadvantage is the low level of competence of the staff.

Which banks are reliable - not everyone knows.

Raiffeisenbank

It is a subsidiary of an Austrian financial structure. Every year it is one of the leading places in the ranking not only according to the Central Bank, but also according to the well-known financial magazine Forbes.

The most reliable bank provides services to private and corporate clients. The main advantages of Raiffeisenbank are a convenient and thoughtful version of the online service, favorable terms for granting loans, and flexible deposit programs. Clients report that the financial institution provides decent service, however, in some cases, annoying situations arise when representatives of the institution provide incomplete information to the client.

Among the main advantages of the organization, the following prevail:

1. Convenient self-service system.
2. Favorable lending projects.
3. Presence of an extensive network of branches.
4. The enterprise is a subsidiary of a proven and well-known structure.

The main disadvantage is the low competence of bank representatives in regional branches.

Citibank

Deposits are provided by a large American concern, whose subsidiary is a financial institution. In any major city in Russia there is a branch of this bank, and the infrastructure in them is developed in the best way. The main specialization of the institution is serving large corporations, however, affordable and profitable offers for loans and deposits are also provided to individuals.

Among the advantages of the organization are:

1. Convenient online banking system.
2. A convenient system for using funds in a bank account when you are in other countries.
3. Support from overseas capital.

Disadvantages of this financial unit:

1. Lack of offices in smaller towns.
2. Low competence of staff in regional offices.

Bank Intesa

Is a representative of Italian capital in Russia. The bank is focused more on working with organizations with large capital, but good programs for loans and deposits are also provided for individuals. Customers tend to leave positive reviews.

Pros of a financial institution:

1. Oriented towards business lending.
2. Favorable deposit programs.

Flaws:

1. Long waitreceiving money in branches with the "tax free" program.
2. Rude customer service at some locations.

Gazprombank

The credit institution is supported by state capital. The main specialization is the financing of enterprises whose activities are related to the extraction and transportation of natural gas and oil. In addition, the bank provides services to individuals, offering them profitable and convenient programs. The most advantageous offer is car loans for individuals at reduced rates: the credit institution has an agreement with many large automobile concerns.

The stability and reliability of the bank is beyond doubt.

Among the advantages it should be noted:

1. Having your own mobile application that allows you to access your account.
2. Good internet service system.
3. High reliability of the bank, confirmed by international financial institutions.
4. The presence of a large asset, the amount of which exceeds 500 billion rubles.
5. High degree of trust among the people of the country.

The main disadvantages are:

1. Poorly developed self-service system - ATMs are not even available in all regional centers.
2. The presence of negative feedback from customers of this financial institution.

VTB Bank of Moscow

Annually takes one of the leading positions in the rating of bankinginstitutions. For private entrepreneurs, small and medium-sized businesses, individuals, the organization offers an extensive range of programs for loans and deposits. Many citizens use car loans and mortgages in this bank. The state is the owner of a part of the capital of a financial institution, so the probability of losing money is minimal. VTB is considered one of the most reliable banks in Moscow.

Among the benefits:

1. A stable online banking system.
2. Providing 24/7 hotline access.
3. Having a large number of self-service stations.
4. Good bonus programs for deposits and credit cards.

Flaws:

1. The financial institution provides low interest rates on deposits.
2. Some employees are incompetent.
3. Paid SMS alert.

Who else is included in the rating of banks in terms of reliability?

Rosselkhozbank

In terms of assets, it currently ranks fifth among Russian banks. It is backed by state capital. The main specialization of the organization is servicing agro-industrial enterprises. In addition, the institution provides services to individuals, private entrepreneurs. The financial institution offers many profitable offers for servicing loans and deposits.

Among the advantages of the bank:

1. Favorable lending programs for young families.
2. No fees forloan.
3. Availability of low-interest lending programs.

Flaws:

1. Slow branch service speed.
2. The need for compulsory insurance under lending programs.

VTB 24

Is a subsidiary of the VTB Bank of Moscow holding. Its main advantage is its focus on serving individuals and small businesses. Because of this, the organization has a well-developed infrastructure, many ATMs and branches. Deposits made to the bank are in maximum security, as the institution has public money.

The disadvantages and advantages of the bank are identical to those of VTB Bank of Moscow, the only difference is the availability of more interesting lending programs for individuals.

Best financial institutions for making deposits

It is better to make a deposit in a bank that does not have state money, or their amount is minimal. Such organizations, unfortunately, offer minimal interest rates, but they provide maximum safety of investments. The highest interest rates are offered by institutions with state support, but in this case, the client risks losing his funds. In view of this, it is advisable to familiarize yourself with the reliability rating of banks before entering into financial relations with a banking institution.