The largest banks in Russia. Large banks of Russia: list

Lately, a lot of banks have been deprived of licenses, went bankrupt or closed for any other reasons. Naturally, nobody has informed anyone about this turn, now they have a long and tedious proof that the financial organization had their means, and try to get them back to themselves. To avoid such situations, it is necessary before the money is entrusted to the bank, to study its financial indicators, the level of reliability, to read reviews and, of course, to find out whether it is part of the largest banks in Russia. The rating of similar financial organizations, presented below, will make it faster and more efficient. It should be remembered that if a bank of an individual client is not included in the presented list, this does not mean that it is worse than the ones indicated or will soon go bankrupt. In the lists below, only the top 10 banks are listed in terms of available official data.

Calculating the rating

The proposed rating of banking organizations is presented in two versions. In the first - large banks of Russia, the list of which is sorted by assets. For the calculation was used information posted on the website of the Central Bank of Russia. The assets with high liquidity, interbank loans, funds invested in shares, bonds, promissory notes, as well as those that participate in the formation of capital of other organizations, fixed assets, loans to individuals and legal entities, intangible and other assets are included in the calculation.

The second list, which also includes major commercial banks of Russia, is presented in the context of individual deposits and will be of interest primarily to potential investors. Despite the fact that the information is given specifically about the contributions of individuals, legal entities can also make the right conclusions from the list provided. All information is given as of April 2015.

The largest banks in Russia: assets

The list below is relevant for April 2015. Banks are located as the amount of assets decreases, that is, the higher the bank is on the list, the greater the amount of its assets, and vice versa.

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

It should be noted that in this list are the big banks of Russia. Similar organizations of other countries are not taken into account, despite the fact that some have their representations and subsidiaries abroad. Thus, in fact, a larger banking network, which has not yet won the market of the Russian Federation, despite the fact that it can not yield to other banks in the list of reliability and stability, it will not be marked.

Large banks of Russia. Deposits of natural persons

The list below is relevant for April 2015. Banks are located as the amount of deposits of individuals decreases, that is, the higher the bank is on the list, the greater the amount of its deposits, and vice versa.

1. Sberbank of Russia.
2. VTB 24.
3. Alfa Bank.
4. Gazprombank.
5. Rosselkhozbank.
6. Bank of Moscow.
7. Raiffeisenbank.
8. Promsvyazbank.
9. Home Credit Bank.
10. Khanty-Mansiysk Bank Opening".

For those citizens who are interested in placing their own funds, but are afraid to trust their banking institutions because of the possible risks of losing the accumulated funds, it is advisable to refer specifically to the above-mentioned organizations that for a long time in the financial services market have proven themselves as reliable, honest and Stable structures.

Pros of cooperation with large banks

As you can see, the banks, especially on the tops of both lists, coincide. Cooperation with them gives increased guarantees of the reliability of deposits, safety of funds on accounts and in deposit cells. In addition, the largest financial institution, the more its branches and, as a result, the higher the level of comfort for customers who do not have to travel to another part of the city to get to the desired point of service. Also, Russia's large banks often offer a larger range of services and products (both credit and deposit) than others, which also increases the flow of customers.

Minuses of cooperation with large banks

The main disadvantages of cooperation with such large organizations are conditions, rates and tariffs. Most often in a smaller bank you can find more favorable conditions for both lending and deposits. However, it should be borne in mind that this level of reliability and safety of money, as in large banks, is nowhere more. Chasing more favorable conditions, you can lose everything at all. Certainly, the decision to work with a particular bank is made by each individual citizen or organization on the basis of a variety of factors, but, given the opportunity to choose, it is recommended that banking services be used wherever greater security and reliability are guaranteed, albeit at the expense of less profitable Tariffs. It should be remembered that any financial institution that offers cooperation and at the same time rests on incredibly advantageous tariffs / interest / rates / payments, etc., which significantly differ from the average market, may turn out to be a fictitious office engaged in fraudulent activity.

Results

Based on the foregoing, it can be noted that the major banks of Russia, located on the first lines of the list, have been there for a long time, which indicates their constant development, attention to customers, the introduction of new types of services and increased comfort of using existing ones. In most cases, being a client of a large bank, there is always no need to visit his office, since a huge amount of services can be obtained simply through Internet banking. This applies to both individuals and legal entities. If there is any need to visit the bank branches, then in this version a large bank is more preferable, since it has just more points of service for the population and legal entities than for other similar organizations.