Rating of Russian banks in terms of reliability, assets and loans issued

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

The world is ruled by money, and almost all of it passes through the country's financial institutions - banks. Absolutely every person in his life turns to a bank for one reason or another: to take a loan, make a deposit, make a money transfer and, in the end, simply pay for electricity, electricity and water. Naturally, anyone who uses such serious services as deposits or loans would like to be sure that the bank is reliable and that their funds will be saved.

In order to have a complete picture and make the right choice, you can turn your attention to the popularity of financial institutions. Your attention is given to the rating of Russian banks according to various criteria, such as the degree of reliability, stability, popularity, profit margins and loans issued, and so on.

The indicator calculation base collects absolutely all financialinstitutions of our country that publish reports on their financial activities in the public domain. The rating for each criterion looks like the ranking of banks according to a specific indicator. The main objective of the rating is to compare banks according to the highest performance ratings, thus demonstrating their position in the financial market.

Ranking of the country's largest banks

In our time, in a crisis and financial instability, people are trying to get out of a financial institution to invest their money not so much in terms of interest on deposits, but in terms of reliability, and most often the largest banks are in the lead in the reliability rating, which no wonder.

So, the rating of the largest banks in Russia:

1. OJSC Sberbank of Russia.

2. ZAO VTB (Vnshetorgbank).

3. OAO Gazprombank.

4. Rosselkhozbank OJSC.

5. ZAO VTB 24.

6. OJSC MMBM Bank of Moscow.

7. AlfaBank OJSC.

8. ZAO Uni-Credit Bank.

9. Promsvyazbank OJSC.

10. JSC "Rosbank"

Reliability

The rating of Russian banks is compiled according to different criteria, but reliability is perhaps the most important thing, where we will start. To determine the level of this indicator of a particular bank, various selection criteria are used. In order for the assessment to be qualitative, a quantitative method is used, the essence of which is the simultaneous analysis of various financial reporting data: the amount of assets, capital, liquidity, deposits, loans, and so on.

Rating of Russian banks in terms of reliability:

1. JSC "Sberbank of Russia"

The oldest bank in the country. Such a high level of reliability is simply explained - this bank is ready to help citizens in financial matters even in the most difficult time for the country.

2. ZAO VTB (Vneshtorgbank)

Has a high level of reliability, primarily because it is supported by the state. More than 50% of the shares are owned by the state. This bank is popularly called Putin's bank.

3. OAO Gazprombank

The bank's activities are controlled by Rossiya Bank, which is located in St. Petersburg. All funds of the Gazprom enterprise are in Gazprombank.

4. Rosselkhozbank OJSC

5. Financial experts argue that it is the agricultural sector that accounts for the largest number of loans for which the state will always allocate funds. This is exactly what the bank insures, which means that its customers are also insured by default.

6. OJSC MMBM Bank of Moscow.

The fact that this bank is the main financial institution of the government of the capital of the country alone inspires confidence.

Below, the rating of Russian banks according to such criterion as reliability is summarized in a table, in descending order by the number of their assets. Top ten introduced.

	Bank name	Rating	Rank by assets
1	Sberbank of Russia	●●●●●	1
2	VTB (Vnshetorgbank)	●●●●●	2
3	Gazprombank	●●●●●	3
4	VTB 24	●●●●●	4
5	Rosselkhozbank	●●●●●	5
6	MMBM Bank of Moscow	●●●●●	6
7	AlfaBank	●●●	7
8	Nomos-Bank	●●●	8
9	Promsvyazbank	●●●●	10
10	Raiffeisenbank	●●●●	12

The reliability rating reflects the ability of the country's financial institutions to fulfill their obligations to customers, as well as the amount of capital and its liquidity in the event that there is an outflow of funds from settlement accounts and deposits.

Rating of Russian banks by assets

The bank's assets are: cash on hand, the amount of credit products issued, the volume of investments in valuablepaper and commercial real estate, other valuables that can be valued in monetary terms. Assets must work and bring high profits.

The place in the rating of assets is one of the most significant criteria in choosing a bank for the purpose of keeping funds on deposits, using cards and current accounts, as well as carrying out other financial transactions. There is an expression: "This bank is too big to fail." This expression is indeed true. The reliability of a financial institution increases by default when its assets grow.

Below, the rating of Russian banks by assets is summarized in the table (in descending order).

	Bank name	Number of assets
1	Sberbank of Russia	17 477 454 224, 00rub.
2	VTB (Vnshetorgbank)	5 965 152 230, 00r.
3	Gazprombank	3 913 061 815, RUB 00
4	VTB 24	2 231 046 824, RUB 00
5	Rosselkhozbank	1 886 302 458, 00r.
6	MMBM Bank of Moscow	1 782 315 083, 00r.
7	AlfaBank	1 515 480 711, 00r.
8	Nomos-Bank	989 110 468, 00r.
9	Uni-Credit Bank	880 451 211, 00r.
10	Promsvyazbank	786 725 417, 00r.

Capital

Capital is nothing but the own resources of a financial institution. This includes absolutely all funds and valuables belonging directly to the bank, which can be valued in monetary terms. Those funds that were placed by its clients on accounts and deposits do not belong to the bank. First of all, capital is used as a means of making a profit through investment.

Stability largely depends on the amount of capital. The reason for this lies in the fact that the bank, using its own funds, creates reserve funds, from which in the future it will use the funds to cover possible losses. Therefore, the rating of Russian banks by capital is of great importance in determining its reliability.

The following is presented and tabulated in descending order by capital size.

	Bank name	Number of assets
1	Sberbank of Russia	2 073 007 558, 00r.
2	VTB (Vnshetorgbank)	629 026 832, 00r.
3	Gazprombank	434 941 652, 00r.
4	Rosselkhozbank	246 391 671, 00r.
5	VTB 24	221 016 700, RUB 00
6	AlfaBank	210 901 396, 00r.
7	MMBM Bank of Moscow	182 262 411, 00r.
8	Uni-Credit Bank	133 428 679, 00r.
9	Nomos-Bank	113 841 022, 00r.
10	Raiffeisenbank	99 237 344, 00r.

As mentioned above, capital is used as a vehicle for profit, hence the ranking of banks by profit.

Rating of Russian banks by profit

	Bank name	Profit size
1	Sberbank of Russia	446 217 797, 00r.
2	VTB (Vneshtorgbank)	41 228 660, 00r.
3	AlfaBank	39 497 770, 00r.
4	Raiffeisenbank	29 383 858, 00r.
5	VTB 24	23,271,538.00₹
6	Uni-Credit Bank	22 087 914, 00r.
7	Gazprombank	20 892 989, 00r.
8	MMBM Bank of Moscow	11 634 607, 00r.
9	Public company Mosoblbank	10 468 245, 00r.
10	CB Citibank	9 798 999, 00r.

Credits

Below is the rating of Russian banks by loans.

	Bank name	Amount of loans issued
1	Sberbank of Russia	12 370 927 937, 00rub.
2	CJSC VTB (Vneshtorgbank)	2 556 562 57
3	Gazprombank	2 460 911 042, 00r.
4	VTB 24	1 398 717 341, 00rub.
5	Rosselkhozbank	1 259 807 461, 00r.
6	AlfaBank	1 081 042 693, 00r.
7	MMBM Bank of Moscow	940 198 711, 00r.
8	Uni-Credit Bank	541 202 871, 00r.
9	Promsvyazbank	520 574 632, 00r.
10	Nomos-Bank	499 568 340, 00r.

Contributions

Below is the rating of Russian banks by deposits, summarized in the table, in descending order.

	Bank name	Amount of deposits
1	Sberbank of Russia	8 616 070 768, 00r.
2	VTB (Vnshetorgbank)	1 810 727 577, 00r.
3	Gazprombank	1 568 187 298, 00rub.
4	VTB 24	1 375 276 976, 00r.
5	Rosselkhozbank	928357 566, 00rub.
6	MMBM Bank of Moscow	752 776 512, 00r.
7	AlfaBank	512 378 763, 00r.
8	Nomos-Bank	388 959 895, 00r.
9	Promsvyazbank	379 332 636, 00r.
10	Uni-Credit Bank	339 107 215, 00r.

Stability

It is worth noting that the concept of stability is not identical to the concept of reliability, although they are related to each other. Stability provides for the bank's ability not only to save the money of its customers, but also to function in a crisis without much loss, which, of course, is a very important factor in the bank's credibility.

So, banks are the most stable:

1. OJSC Sberbank of Russia

It's not even worth explaining. A bank that occupies a leading place in the reliability rating, as well as a leader in all other ratings, cannot be unstable.

2. ZAO VTB (Vnshetorgbank)

For several years in a row, it has been a leader in various ratings.

3. Rosselkhozbank OJSC

Absolutely reasonable position. This is the largest bank in Russia that finances all agricultural activities, and if it goes bankrupt, then the entire agriculture of the country will fall into decay, and the government will never allow this.

4. OJSC MMBM "BankMoscow"

Occupies a leading position due to the fact that 44% of the shares are owned by the state of the Russian Federation.

5. ZAO VTB 24

For some time, the activity of this bank was not quite adequate. He issued a large number of loans, which almost brought him to complete ruin during the crisis, but thanks to the support of CJSC VTB, he recovered and continued his activities quite successfully. And as a result, he took a leading position in the ratings.

6. ZAO Uni-Credit Bank

Is the largest foreign bank in Russia. Belongs to the Italian group UniCredit. During the crisis, he behaved stably.

The question of choosing a reliable financial institution is now acute due to the fact that there are many banks, and they offer a huge range of services. Based on the data above, it is quite possible to choose the right financial institution for yourself.