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

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

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

Determining the level of bank reliability is established by specialists who analyze a huge amount of data, compare various financial statements.

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

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

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

Undoubtedly, 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 is able to 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, and so on. 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. People's deposits.

Read also:

What income allows you to take a mortgage in a bank?

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 obtaining a loan and for a deposit, users tend to trust the bank that is considered state-owned more.

Can the state influence the ratings of banks?

The instability of the world economy led to the fact that the state decided to intervene in banking. In order to avoid the bankruptcy of large financial institutions, their controlling stake was bought out.

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

By supporting the bank, the state directly affects 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, a bank with state participation can offer a relatively low interest rate on a deposit, and a high interest rate on a loan. But as statistics show, most people tend to make a choice not in favor of getting more profit, but in favor of opportunities to get your money back.

Which banks are supported by the government?

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

The reliability rating in 2018 has undergone some changes. This is due primarily to the revocation of licenses in many banks. However, there are a number of items that the state will support if necessary. This list includes those banks whose assets accounted for 60% of the total volume of all banking assets in the country.

More detailed information is presented in the table:

Read also:

Tax on transfers from card to card from January 1, 2019: what is the essence and from whom will it be taken?

The activities of the above banks are of great importance for the Russian economy, so 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 customers.

List of reliable banks for 2018 and their characteristics.

Taking into account the above information, it is possible to compile a list of banks that are recognized by the Central Bank of the Russian Federation in 2017 as the most reliable.

Rating of banks in terms of reliability according to the Central Bank for 2018

The table provides information on the main indicators of the rating. 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 rating. This bank has occupied a leading position for many years, which causes high confidence among the population.

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

A bank's credit rating is an indicator of its creditworthiness.. Recall that creditworthiness is such a state of the bank, in which its financial position allows you to take a loan and repay it in a timely manner. This indicator is calculated taking into account the previous and current credit history of a 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 meet 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.
• An A rating indicates that a banking institution is most exposed to adverse economic conditions, but despite this, it can fulfill its obligations.
• ВВВ - means a sufficient ability of the bank to meet its obligations, however, economic crises can significantly worsen its condition.

Banks are the circulatory system of any state. Therefore, special attention is always riveted to their activities.

Legal entities and individuals seek to predict the scenario for the further development of each major credit institution in order to decide on the choice of a bank for cooperation. There are a number of official ratings and ratings for this. In this article, we suggest that you familiarize yourself with the position that one of the largest financial companies, Home Credit and Finance Bank LLC, has among Russian banks.

According to the Banki.ru portal

In the financial rating, updated on December 1 of the past year, according to the version of the Banki.ru portal, popular in Russia, HCF Bank LLC is ranked 38th in terms of net assets. Since November 2015, Home Credit has lost one position and dropped from line 37, reducing financial performance by 0.97%. The Banki.ru website also regularly publishes a popular rating, in which, as of December 1, 2015, the bank in question is positioned in 28th place with 32.5% of positive reviews.

According to this indicator, it is included in the Top 50, which the portal calls the “major league”. Among the good ratings are reviews about the professionalism and courtesy of employees, about the possibility of obtaining a loan by young borrowers without a credit history. Complain most often about the availability of insurance when applying for a loan and interest rates. According to Banki.ru, Home Credit Bank ranks 716th in terms of net profit, ahead of such banks as, for example, JSC Gazprombank and JSC Rosselkhozbank. It is the leader in terms of the number of loan products issued to consumers for 181,365 days. By the total number of loans with various amounts and terms of lending - 10th place. By the volume of deposits received from individuals - 13th position.

Rating of international and national agencies

The opinion of reputable rating agencies is important for assessing the reliability of a bank's activities.

HKF Bank LLC has the following indicators:

1. In June 2015, the international rating center "Moody's Interfax Rating Agency" rated Home Credit Bank Baa1, which means moderate credit risk. This rating is valid to date.
2. On November 18, 2015, the equally influential international agency Fitch Ratings assigned Home Credit Bank a B+ rating. This indicator characterizes the bank as an organization with significant credit risks, but at the same time having reserves to "stay afloat". The financial obligations of the bank with such an assessment are fulfilled, but stability depends on external and internal economic factors.
3. In the rating of the international agency "Standard & Poor's", the last time the B + rating was recorded on September 1, 2011. S&P at that time considered Home Credit Bank to be an institution with a high exposure to credit risk, but it was fulfilling its financial obligations in full.
4. At the beginning of 2016, HCF Bank LLC is not represented in the ranking of well-known Russian analytical centers: Expert RA, National Rating Agency, AK&M, RusRating. On June 22, 2015, it took the 10th position among Russian banks that effectively use Internet banking, according to the Expert RA agency.

Official reporting

According to the report for the 3rd quarter of 2015, published on the official website of the bank on the Internet, the economy of Home Credit Bank was unprofitable for the reporting period. Expenses exceeded income by 10,655,516 thousand rubles. But, according to the analytical materials of the Banki.ru portal, the bank will be able to reduce the loss ratio already in 2016 by reducing deductions to reserve funds and even reach a small profit.

About the bank's activities

About 31 million people are the clients of HCF Bank LLC in Russia. Priority areas of activity are consumer lending in cash or through the issuance of credit cards.

For legal entities, there are salary projects and deposits. The main part of loans issued to the population is used to pay for goods and services. The minimum rate on cash loans in a bank, according to information from the official website, is 19.9% ​​for a period of 12–60 months and an amount from 10,000 to 850,000 rubles. In addition, the bank cooperates with the largest sellers of furniture, electronics, household appliances and jewelry, as well as with fitness service providers. When purchasing goods from the bank's partners, the credit systems "0-0-12" and "0-0-24" are available. Credit card rates from 29.9% to 49.9% with various credit conditions and bonus programs. Rates on deposits from 9.8% to 11.91% depending on the type of deposit.

In 2013-2014, HKF Bank LLC ranked second after PJSC Sberbank of Russia in terms of the number of offices and representative offices. According to the results of the analysis of their activities, many turned out to be unprofitable. For this reason, optimization was started in 2014. In 2015, the number of offices more than halved, and almost half of the employees were laid off. At the same time, the number of ATMs remained virtually unchanged. In this regard, rumors about the possible termination of the bank's activities were actively spread on the network. In fact, he successfully passed all the checks and continues to operate actively in the field of banking services, maintaining the necessary level of liquidity. Due to these measures, according to RBC, the bank intended to reduce losses and develop Internet banking.

Home Credit and Finance Bank was established in 1990 and was called Technopolis. Initially, he specialized in lending to projects in the field of microelectronics. In 2002, the bank received its current name and began to specialize in consumer lending to individuals. According to its strategy, Home Credit Bank gradually expanded its functionality from single-product to full-fledged retail and began to provide customers with a full range of banking services.

Now the bank has focused on consumer lending: cash loans, credit cards, express loans for the purchase of household appliances, furniture, clothes in retail outlets, and so on. The bank is also actively developing a corporate channel: it attracts organizations to payroll projects, cash management services, deposits, and so on. Among the bank's partners, the largest retail trade networks of the country of federal and regional significance, individual retail outlets, and organizations stand out. Home Credit Bank seeks to strengthen its position in retail lending, establish stable profitability from card products, improve customer services, optimize its loan portfolio, and increase the efficiency of debt collection. The bank has a developed network of branches: more than 330 offices, 80 regional centers, more than 800 terminals and ATMs operate throughout the country. The total number of customers has already exceeded 30 million.

The financial condition of Home Credit Bank.

The bank's financial statements are directly accessible on its website.

Over the last full period (2015), it showed that the difficult economic situation, the depreciation of the national currency, high inflation and the decline in household incomes had a negative impact on the bank's performance. According to the results of the year of work, the bank came out with a loss of 9 billion rubles. Financiers predict that there is an opportunity to turn a profit by reducing deductions to mandatory reserve funds, lowering the default rate and stabilizing the situation, although this is unlikely. Losses are also associated with currency instability, a decrease in the number of loans issued, and an increase in the level of debt. All this affects the reliability of the bank.

In order to reduce its costs, the Home group has been optimizing its business in Russia throughout 2016. In particular, inefficient offices were closed, unnecessary employees were fired. As a result, the bank was able to cut costs by almost 700 million rubles.

Loan debt.

For 9 months of 2016, Home Credit Bank issued about 164 billion rubles, including cash loans, credit cards, mortgage loans, car loans, corporate loans, etc. Experts note a steady decline in the share of overdue debt in the bank's total loan portfolio: 14.4% in 2015 and 7.7% in September 2016. Since the "financial bottom" has not yet been passed, analysts from the bank do not undertake to make a forecast of the results of last year . The decrease in delays is associated with an increase in the volume of POS loans issued at retail outlets.

Thus, the share of Home Credit in the Eldorado federal network for issuing loans for equipment has grown to almost 27%, and the average bill reaches 37 thousand rubles. According to the bank, overdue debt in this direction of lending is much lower than in cash loans. Efficient credit risk management and the good performance of the debt collection department also contributed to the decrease in delinquency. This positive change had a positive impact on the quality of the bank's loan portfolio. It is worth noting that the coverage ratio of overdue reserves in Home Credit Bank is quite good - 126%. The bank plans to reduce the level of delinquency at the same pace.

Rates on deposits at Home Credit Bank.

In connection with the reduction of the key rate of the Central Bank, all banks in 2017 were forced to reduce interest on deposits. At the end of January 2017, the average interest rate on deposits among banks in the TOP-50 is 7-7.5%. The line of deposits of Home Credit Bank looks quite attractive, based on the current conditions:

• Deposit amount - from 1 tr.
• Term: from 9 months to 3 years.
• Profitability: from 7 to 9% (taking into account capitalization).

Deposits can be opened both in the office and in the Internet bank. Taking into account the fact that the bank has been operating on the market for more than 20 years and has foreign investors, you can make deposits in Home credit without fear. The Bank does not pursue a risky policy of attracting money and does not offer excessive interest on deposits. This means that it has enough borrowed funds to conduct its activities. However, given the current situation and the strict supervisory system of the Central Bank, it is still not worth keeping more than the sum insured per person (1.4 million rubles). If you plan to place a large amount, then you can break it down into insurance amounts for the rest of the family so that in the event of a license revocation, the amounts are reimbursed in full.

Reliability rating of banks 2017 (data of the Central Bank)

The top 100 Russian banks in terms of reliability in the current version of 2017 have undergone changes due to license revocations, reductions and acquisitions, so we present to your attention the updated official rating of banks in terms of reliability according to the Central Bank. At the beginning of 2017, the Central Bank of the Russian Federation updated statistics and a list of top-ranking banks on its website.

The seat allocation methodology takes into account reporting data in the form 101, 123, 135, as well as Moody's and Expert RA credit ratings:

• Assets
• Issued loans
• Contributions

Ten banks were included in the list of the best, together occupying 60% of the total assets of the entire banking sector in Russia. Given their special importance for the Russian economy, even in the most difficult times, the Bank of Russia intends to keep them afloat.

10. Promsvyazbank

For the third year (starting from 2014) Promsvyazbank has been among the systemically important banks. In terms of assets and deposits, it is in the top 10, but in terms of loans it is mostly in the second ten. The total amount of funds is 1.33 billion rubles.

9. Moscow Credit Bank

Let's hope that the failed advertisement about Santa Claus and a bad mother, which caused a storm of indignation at the end of 2016, will not greatly affect the bank's reputation in the eyes of the population. In the meantime, MKB is in the top ten both in terms of assets and loans and deposits. The total amount of assets is 1.45 billion rubles.

8. National Clearing Center

A subsidiary of the largest Russian exchange holding, the Moscow Exchange, was included in the list of key banks according to the list of the Central Bank of the Russian Federation only by the beginning of 2017. The main area of ​​activity is clearing in the currency, commodity, derivatives markets and the precious metals market. Compared to the previous year, NCC's assets increased by 13.28% and amounted to 2.3 billion rubles.

7. Alfa-Bank

The only fully non-state bank, which is among the banks of particular importance for the Russian economy, is successfully emerging from the crisis of the banking system by all indicators. True, users complain about the abundance of imposed services, for which complete information is not given. The total amount of assets is 2.5 billion rubles.

6. Rosselkhozbank

Initially, Rosselkhozbank was planned as a kind of Sberbank No. 2, only for agricultural organizations. Its sole shareholder is the federal agency Rosimuschestvo. However, according to rating agencies Moody's and Fitch, the bank's outlook is rather "negative". The volume of assets is 2.8 billion rubles.

5. FC Opening

Otkritie represents a holding company of the same name, which is one of the country's largest financial groups with total assets of more than two trillion rubles. FC Otkritie has a net worth of 2.8 billion rubles.

It is no wonder why VTB 24 is one of the most important, reliable and systemically important banks in Russia - after all, the regulator, the Central Bank, owns 61% of its shares. The total amount of assets is 3.14 billion rubles.

3. Gazprombank

The third place in the top 100 Russian banks in terms of reliability in 2016-2017 is occupied by Gazprombank. As you might guess from the name, it is mainly focused on oil and gas clients, and, judging by the reviews, the service for individuals is not particularly comfortable. The amount of assets is 5.2 billion rubles.

2. VTB (former Bank of Moscow)

One of the most significant events in the banking sector in 2016 was the takeover of one of the largest banks, the Bank of Moscow, by VTB Bank. Despite the problems after the redistribution of shares of the Bank of Moscow, which caused the need for assistance from the Deposit Insurance Agency, in general, this operation looks profitable for VTB. It is expected that 2017 will put everything in its place. The total amount of assets is 9.5 billion rubles.

1. Sberbank of Russia

The first position in the rating of bank reliability in 2017, according to the Central Bank, is, of course, occupied by Sberbank, the undisputed leader for many years now. The heir to the savings banks of the USSR, founded in 1922, lives and prospers - at the moment he

How many rumors will not appear in the near future: and that Uralsib Bank is closing in 2020, and Home Credit Bank will soon be closed, and Russian Standard Bank has already closed, and Vostochny Express Bank is closing in 2020. Such conversations are more a consequence of the client's unpleasant experience in the bank than plausible statements.

Judging by the reviews and comments of users, the banks are to blame, even if the client himself overdue the payment or signed an unprofitable agreement with an overestimated loan interest. Yes, banks take advantage of financial illiteracy and arrogance of clients, but let's be honest: we ourselves are to blame for our troubles.

How to understand that the bank will close

Leaks from the Central Bank of Russia often help determine which of the credit financial institutions will close, namely:

• news of the upcoming license revocation of financial institutions,
• rumors about the introduction of an interim administration,
• downgrading of rating agencies that are directly subordinate to the Central Bank of Russia,
• problems with getting cash from ATMs and cash desks of financial organizations, etc.

The Central Bank as a mega-regulator has much more leverage and forecasting tools than we used to think. Using the example of organizations that make up ratings, one can already guess about the problems of the bank or about the attitude of the Central Bank of the Russian Federation towards it. They don’t just cancel licenses, this is preceded by clear events: poor reporting by credit institutions, "holes" in the balance sheet, the flight of directors with capital abroad, difficulties in obtaining cash, etc. Therefore, when assessing the possible bankruptcy of a bank, evaluate the likelihood of revocation of the license on the above points.

List of reliable banks for 2020

Below we give a forecast of which banks will not close in 2020 in Russia. The list was compiled on the basis of the deposits of each bank, the network of branches, the volume of assets and loans issued. The rating will be useful, first of all, to depositors in bank deposits.

Bank rating by assets:

1. Sberbank of Russia
2. GazPromBank
3. VTB 24
4. FC Otkritie
5. Rosselkhozbank
6. Alfa Bank
7. Bank of Moscow
8. National Clearing Center
9. UniCredit Bank

It is unlikely that the listed banks will close in the near future. Mergers are possible, but the license of these banks will certainly not be revoked. It is noteworthy that in terms of profit rating the list of banks remains the same, with the exception of the National Clearing Center, ousted by RosBank.

From this list, Alfa-Bank stands out as a strong commercial bank, the bank's management has no plans to close this year, moreover, this bank is in the top three in terms of cash turnover in ATMs - right after Sberbank and VTB.

Rating of banks on consumer loans:

1. Sberbank of Russia
2. VTB 24
3. GazPromBank
4. Rosselkhozbank
5. Bank of Moscow
6. Alfa Bank
7. RaifFaisenBank
8. RosBank
9. HCF Bank
10. Eastern Express Bank

In this list, we see loans issued to ordinary users for consumption. Looks apart among the giants of the market Orient Express. Whether the bank closes in 2018 or not, we will wait and see, but we must carefully read loan and deposit agreements, monitor the financial statistics of banks, including the ratio of loans and attracted deposits.

Full list of banks

It is not easy to predict the closure of banks in Russia in 2020, the list of unreliable banks changes every 2-4 weeks. We will share statistics, on the basis of which you yourself will decide whether the bank will go bankrupt in the near future or not.

Bank reliability rating by assets