Rating of banks in Russia on the reliability of deposits for 2015( according to the Central Bank and credit ratings)

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11 place. Raiffeisenbank( Moscow) is one of the two largest Russian banks that are subsidiaries of a foreign bank, in this case the Austrian banking holding company Raiffeisen. Takes 7th place in Russia in terms of assets and 10th in terms of capital. The adequacy of equity is 13.3%.The bank has the highest level of AAA( rus) from Fitch Ratings, almost the maximum ruAA + from S & P.At the same time, Moody's agency raises Raiffeisenbank Ba1.ru level - a significant credit risk of the rated organization within the Russian Federation.



10th place. Promsvyazbank( Moscow).It ranks 11th in Russia in terms of assets and capital. The adequacy of equity is 10.5%.Ratings from agencies: ruAA- from S & P, AA- from Rus-Rating, AA + from NRA.

see Profitable deposits of Promsvyazbank for individuals



9th place. Financial Corporation Opening( Moscow).Bank FC Opening was established in 2014 after the acquisition of the Nomos Bank by the Otkritie Group. Takes 5th place in Russia in terms of assets and 8th in terms of capital. The adequacy of own capital is 5.4%( the lowest figure among the top dozen leading banks in Russia).Ratings from agencies: ruAA- from S & P, AA from Rus-Rating, AAA( maximum level) from NRA.

see Profitable deposits of the bank "Discovery" for individuals



8th place. Bank of Moscow( Moscow), which is part of the VTB Group. The Bank of Moscow ranks 8th in Russia in terms of assets and 7th in terms of capital. The adequacy of equity is 8.8%.Ratings from agencies: ruAA + from S & P, AA + from Rus-Rating.

see Favorable deposits of the Bank of Moscow for individuals



7th place. Rosbank( Moscow).It takes 12th place in Russia in terms of assets and capital. The adequacy of equity is 11.6%.The bank has the highest ratings from two agencies: AAA( rus) from Fitch Ratings and AAA from Rus-Rating.



6 place. UniCredit Bank( Moscow) is the largest bank in Russia with foreign capital, the daughter of the same-name European banking group. It ranks 10th in Russia in terms of assets and 9th in terms of capital. The adequacy of equity is 9.9%.Has the highest AAA rating( rus) from Fitch Ratings.



5 place. Rosselkhozbank( Moscow) is the only bank in the rating that is completely state-owned.100% of shares are owned by the Government of Russia. Takes 7th place in Russia in terms of assets and 4th in terms of capital. The adequacy of own capital is the highest of the first dozen leading banks in Russia and is 11.7%.At the same time, due to imposed international sanctions, Rosselkhozbank's credit rating from Moody's leaves much to be desired - B1.ru, which means a high credit risk of the rated organization within the Russian Federation. Agency Fitch Ratings is more optimistic and gives the bank almost the maximum rating AA +( rus).

see Profitable deposits of Rosselkhozbank for individuals



4 place. Alfa-Bank( Moscow) is one of the largest( along with the Discovery) private banks in Russia. It occupies the 6th place in Russia in terms of assets and capital. The adequacy of equity is 11%.Moody's gives the bank a low rating - Ba1.ru( a significant credit risk of the rated organization within the Russian Federation), however, Alfa-Bank estimates higher than Rosselkhozbank. Other rating agencies rate Alfa-Bank higher valuations: ruAA from S & P, AA +( rus) from Fitch Ratings. Rus-Rating and NRA give the bank the highest rating - AAA.

see Alfa-Bank's beneficial deposits for individuals



3 place. VTB 24( Moscow).Like the other participant in the rating, the Bank of Moscow is a member of VTB Group. VTB 24 ranks 4th in Russia in terms of assets and 5th in terms of capital. The adequacy of equity is 9.5%.The bank has the maximum ratings from two agencies: Aaa.ru from Moody's and AAA from Rus-Rating.

see Profitable deposits of VTB 24 for individuals



2 place. Gazprombank( Moscow).The main shareholders of Gazprombank are: Russia's largest company Gazprom and the country's largest non-state pension fund Gazfond. The indirect state share in Gazprombank exceeds 95 percent. Gazprombank ranks third in Russia in terms of assets and capital. The adequacy of equity is 10.4%.Moody's gives the bank a low rating - Ba1.ru( a significant credit risk of the rated organization within the Russian Federation), S & P and Fitch Ratings put the bank almost the maximum rating( ruAA + and AA +( rus) respectively), and Rus Ratings and Expert RA put Gazprombankthe highest score( AAA and A ++, respectively).

see Profitable deposits of Gazprombank for individuals



1 place. Sberbank of Russia( Moscow).Sberbank is half controlled by the Central Bank of Russia, which owns 50% of the authorized capital plus one voting share. At the same time, over 24% of Sberbank's shares belong to foreign investors. Sberbank with a huge margin ranks first in Russia in terms of assets and capital. The adequacy of equity is 10.13%.Sberbank has the highest ratings from two agencies: AAA( rus) from Fitch Ratings and Aaa.ru from Moody's.

see Profitable deposits of Sberbank for individuals

In this list of the most reliable Russian banks for individuals' deposits only the largest banks of the country have got, net assets of each of which exceed 700 billion rubles as of March 2015. When allocating seats in the final list, in addition to the size of assets, the size of capital, the adequacy of equity capital, as well as credit ratings( according to the national scale) from various agencies were taken into account.
The data on the financial indicators of banks are periodically published on the Central Bank of Russia's website, and the Central Bank( also the Bank of Russia) publishes a list of credit institutions that meet the Bank of Russia's requirement for the level of rating required for guarantors under Bank of Russia loans "On the procedure for the Bank of Russia to provide credit institutions with loans secured by assets or guarantees. " Now in the list of the Central Bank of the 75 most reliable Russian banks , which the Central Bank is ready to provide loans in case of need( the full list can be downloaded in the annex in this article ).The top-12 banks that entered the rating below are also included in the list of the most reliable banks in Russia, according to the Central Bank.

12 place. Khanty-Mansiysk Bank Opening( Khanty-Mansiysk).The bank is part of the financial group "Discovery".Khanty-Mansiysk Bank The bank operates under two brands. On the territory of the Khanty-Mansiysk District, the bank develops under the brand of Khanty-Mansiysk Bank, which in this region is highly recognizable. In the rest of Russia, the bank operates under the brand of Bank Otkrytie. Khanty-Mansiysk Bank The opening is the 14th in Russia in terms of assets and capital. The capital adequacy ratio is 9.4%.The Bank has the highest rating( AAA) from the National Rating Agency( NRA), AA rating( high degree of creditworthiness) from RusRating, ruAA-( high ability to fulfill its financial obligations) from Standard &Poor's( S & P) and Aa3.ru( very low credit risk) from Moody's.