Banks rating by reliability according to the Central Bank for 2021

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

There are many financial institutions operating in Russia, but not all of them deserve the title of the best. Let's analyze the rating of banks in terms of reliability according to the Central Bank for 2021.

Top banks in Russia according to the Central Bank

To assess the rating of a particular bank, several criteria are considered:

• profit dynamics;
• the size of net assets;
• amount of deposits;
• the number of loans issued.

The analysis takes into account the opinions of domestic and international rating agencies, specialists in this field of activity. The final accounts of the financial organization are taken into account.

Also, when compiling a bank's reliability rating, they look at such a criterion as the amount of financial resources available in circulation, that is, its capital. This indicator indicates stability, correct and timely fulfillment of the obligations assumed.

The higher it is, the more stable the bank is. If this indicator drops to certain levels, after an appropriate check, the regulator has the right to revoke the license.

The Central Bank of Russia introduced a standard for the adequacy of its own funds (bank capital) - N1.0. This is one of the most important indicators that all credit institutions in the country must meet.

In 2020, its optimal indicator should not be less than 10-12%. If it falls to 2%, the Central Bank gets the right to revoke the license from this institution.

Bank ratings are constantly changing. It is subject to changes and, if the top five shows stability, then the banks located below the level may periodically “sink” strongly, or vice versa.

Experts believe that this is influenced by the following reasons:

• guarantee provision;
• financial statements and structure of the bank;
• interest rates on loans and deposits;
• rating of customer reviews;
• composition of founders.

Depending on the assessment of the rating company, the data for the same bank may differ. The most accurate and up-to-date data in Russia is possessed by the Central Bank, and it forms the rating of banks in terms of reliability. When choosing a credit institution for 2021, most experts recommend trusting this particular data.

It is also worth paying attention to the ranking. This is the name given to the ability to analyze a list for a specific indicator. It is worth remembering that rating and ranking are two different concepts. Rating is a more subjective assessment.

Important criteria

The choice of a bank should be taken very seriously. Experts advise paying attention to the data of the bank's assets, that is, what can bring the bank profit. These sources include:

• the bank's own capital;
• funds of depositors and investors;
• interbank loans;
• issue of bonds.

Having carefully studied the volume and quantity of these assets, it is possible to assess the level of the bank's liquidity. The calculation takes into account not only real money, but also what can later be converted into money.

The only exception is financial assets in customer accounts. This money is not taken into account in the calculation of liquidity. In an honest way, capital can be obtained through investments.

It is worth paying attention to financial institutions that have government support. They are also quite high in the rating. A bank directly connected with the country's economy is always more stable.

The interest rate also plays a significant role in the choice. If there is an officially insured deposit, then you can be sure that the state will protect this money.

On the other hand, it is impossible to know for sure that tomorrow the bank with a more attractive rate will not be revoked its license. The Central Bank periodically revokes licenses for unreliable, in its opinion, banks.

The rating of the best in terms of reliability according to data for 2021 includes not only the largest institutions that have proven themselves on the positive side and have existed for a long time. This list also includes banks that have shown their ability to maintain stability and reliability even in crisis years.

There have been cases when large banks lost their licenses and went bankrupt. Some were in no hurry to put an end to it and continued to work through mergers with other large banks (for example, VTB 24 or Sovcombank). Others disappeared without a trace. Therefore, the rating is still a conditional indicator.

Which bank is the most reliable

In the rating of banks compiled by the Central Bank, called the "List of systemically important banks in Russia", organizations are ranked according to reliability indicators. They have been serving customers for many years. For this reason, the likelihood that something will happen to them is minimal.

As of 2021, this list includes:

1. Sberbank. Bank number 1 in Russia. Most of the country's citizens trust him. For the same reason, the bank has been in a high position among the most reliable financial and credit institutions for a long time. Sberbank of Russia is the leader in terms of the number of loans issued, deposits received, the owner of a high indicator of assets and its own financial resources.
2. VTB. It confidently occupies the second position in the list of the best organizations. In terms of the rating of assets, deposits and the amount of money, it is second only to Sberbank. The bank is actively working with credit institutions that have gone bankrupt or have lost their licenses.
3. Gazprombank is the largest financial institution. Initially it was created to support oil and gas industry enterprises, but now it provides standard services in the field of lending and servicing individuals and legal entities.
4. Rosselkhozbank. The initial purpose of creating a financial institution was to support agriculture in Russia. But time passed, and the range of services became much wider. In addition to loans for starting an agricultural business, you can apply to this bank for other purposes. For example, to open a deposit on various conditions, they also offer traditional banking products.
5. "Alfa Bank". The bank with the largest share of foreign investment. Foreign analysts rate it highly, the bank has earned a good reputation among Russian clients and continues to improve.
6. FC "Bank Otkritie". One of the largest companies in the banking sector. A dynamically developing institution.
7. "MKB". The bank has been providing services in our country for almost 20 years. A large number of clients trust him. The bank is actively developing and expanding its sphere of influence in Moscow and the Moscow region.
8. Raiffeisenbank. Subsidiary bank of the Australian group Raiffeisen Bank International. Serves legal entities and individuals, individual entrepreneurs, self-employed, offering various types of services in the field of finance.
9. "UniCredit Bank". Leader in trade finance.
10. Rosbank. The institution's shares belong to the French banking group Societe Generale. Provides services throughout Russia, the central office is located in Moscow.

This is the rating of banks in terms of reliability according to data for 2021. Companies from the above list almost always receive good support from the state, including from the Central Bank. Their advantage is impressive capital, which will make it possible to pay off clients in the event of bankruptcy.

Summarize

1. The list of the most reliable banks is listed in accordance with the results of financial statements and performance indicators of the institution.
2. According to experts, the larger the founders, the more reliable the bank.
3. If a bank is not included in the rating of the best according to the Central Bank, this does not mean that it should not be considered. It is possible that he will be in the top described in the coming years.