The RBC rating agency conducted a survey of 13,000 respondents to get an answer to the question: "How to choose a reliable bank?".Despite the fact that all deposits in the amount not exceeding 700 thousand rubles are insured and will be returned to the client regardless of the financial condition of the bank, depositors prefer to select with caution the credit organization.
Today we propose to the study of the Top-5 reliability criteria of bank, determined by the results of the survey of RBC-Rating.
Related article: Reliable banks of Russia in 2014.
Contents:
- 5. Recommendations from friends and acquaintances
- 4. Good reviews on the Internet
- 3. Period of work on the
- market 2. Asset size of the
- bank 1. State participation
5. Recommendations of friends and acquaintances
Another opinion for 4% of respondentsis decisive when choosing a bank. Although you do not need to trust your finances with a non-professional advice. Market indicators and ratings are generally available and are a much better source of information about the reliability of banks. The most reliable information on the activities of credit institutions can easily be found on the official website of the Central Bank.
4. Good reviews on the Internet
About 6% of respondents choose a bank, focusing on reviews on the Internet. Unfortunately, the network does not have many resources, where the customers of banks share information. Among the most popular sites are the thematic resource banki.ru and the section "Personal Finance" Lf.rbk.ru from RBC.Here you can really find reviews and opinions of real investors and clients of various banks.
3. Term of work in the
market Investors seem to be the most reliable, Russian banks that have been working for more than 20 years. However, the world practice shows that age is far from being a guarantee of sustainability. During the height of the global financial crisis large international banks with centuries of history were shaken. The banking system of Russia is quite young, but the most "age-old" banks can be considered Sberbank and VTB.
2. The size of the assets of the bank
The bigger, the better - 22% of respondents think so. Unambiguously rely on this criterion is not worth it, because the financial state of the bank is affected by many other factors. Leaders in terms of assets in the Russian market are the RF Security Council, VTB, Gazprombank, VTB-24, Rosselkhoz and the Bank of Moscow.
1. State participation of
More than a third of the respondents( 37.5%) consider the state's participation in the bank's capital as the main criterion of reliability. In the Russian market, such banks are Sberbank, VTB, VTB-24, Rosselkhozbank, Bank of Moscow and Gazprombank. Although for such high reliability it is necessary to pay with low profitability - rates on deposits in banks with state participation are often lower than average market rates.
