The full rating of the top 100 banks of Russia is based on the current reporting data of Russian credit organizations according to forms 101, 123 and 135, published on the official website of the Central Bank of the Russian Federation:

• Net Assets
• issued loans
• contributions.

When choosing a bank to store their savings, it is important to consider not only the availability of a convenient mobile application, the number of ATMs and the ability to serve customers 24/7, but also where the bank is located in the reliability rating according to the Central Bank in 2020.

Reliability rating of banks according to the Central Bank for 2020 (full list)

The table shows the comparative values ​​of the indicator "net assets".

Reliability credit rating “Expert RA”

ruAAA - The highest level of creditworthiness / financial soundness / financial soundness.
ruAA + - High level of stability.
ruA + - Moderately high level of stability.
ruBBB + - A moderate level of financial stability.
ruBB + - Moderately low creditworthiness. Sensitivity to changes in economic conditions.
ruB + - Low creditworthiness. It remains possible to fulfill financial obligations, but the margin of safety is limited.
ruCCC - Very low level of reliability. Significant probability of default on financial obligations.

The table does not include banks with a withdrawn rating.

10 best Russian banks according to the statistics of the Central Bank of the Russian Federation

To keep your funds safe, give preference to one of the financial institutions that are among the top ten most reliable banks in Russia in 2020.

10. Raiffeisenbank

The subsidiary of the Austrian banking group improved its performance compared to 2019, and was able to enter the top 10 reliable Russian banks. And although its network of branches and divisions (5 and 175, respectively) is not as wide as that of the banks of the first three, however, in terms of reliability, Raiffeisenbank is not inferior to them in anything.

It has the highest reliability ratings - AAA (ru) - from the Russian rating agency ACRA and Expert RA, and a very good investment level Baa3 for a long-term rating of deposits in foreign and national currency. This means that the bank's debt obligations have moderate credit risk.

9. National Bank Trust

In the mid-90s, this bank was known as Menatep St. Petersburg and was originally part of a financial group controlled by Mikhail Khodorkovsky. However, at present, Trust has expanded its influence not only to the Northern capital, but also to Moscow. And almost 100% of its shares belong to the Central Bank of the Russian Federation.

It has 25 branches in Russia, whose clients include more than 1.5 million individuals and legal entities.He offered a wide selection of services, ranging from deposits, lending and services of a Forex broker to settlement and cash services and remote services.

The main specialization of the bank is work with distressed and non-core assets obtained during the merger of various credit organizations.

8. Moscow Credit Bank

A large number of branches (95) and ATMs (468), as well as high financial and popular ratings on banki.ru make ICD one of the preferred options for people who are looking for a reliable bank for deposits in 2020.

This financial institution has been in the top 10 most reliable banks for several years according to the Bank of Russia. Its priority is lending to individuals and legal entities.

Moscow Credit Bank also offers a number of debit and credit cards with a percentage on the balance and (or) a bonus program.

7. Bank "FC Otkrytie"

One of the largest banks in Russia has been operating in the financial market since 1992, and since then it has only been growing. In 2020, Otkritie introduced a new remote mortgage service that allows you to take a mortgage loan without a visit to the department.

This bank has one of the largest non-contact ATM ATM networks in Russia; their share is 85% of the total number of Otkritie ATMs. Only Sberbank - 95% and Tinkoff Bank - 100%.

6. Russian Agricultural Bank

The main direction of Rosselkhozbank is financing of enterprises belonging to the Russian agricultural sector. The fact that the bank is well and steadily indicated by both its financial indicators and the fact that in 2019 Rosselkhozbank issued about 56 billion rubles. exporters of poultry meat, and this is two times higher than the same indicator in 2018.

However, ordinary Russians can take a loan or open a card in one of the branches of this bank (and there are 66 of them in the country). By the way, the size of the branch network "Agricultural Bank" - the second in Russia.

In 2020, the bank launched the service of Russian citizens through remote identification - the Unified Biometric System (EBS). With its help, those who are registered in the EBS can become a client of Rosselkhozbank without even leaving home.

5. Alfa Bank

One of the top Russian banks has been successfully afloat in the turbulent financial sea since 1990.

Judging by the high popular rating (14th place) at Banks.ru, Russians are very pleased with the level of service at Alfa Bank, which offers consumer loans, deposits, mortgages, as well as credit and debit cards with a large cashback and interest on the balance.

4. National Clearing Center

The fourth credit institution in Russia in terms of net assets (3.9 trillion rubles) is the “daughter” of the Moscow Exchange Group.

The National Clearing Center has the status of a non-bank credit organization, and its main area of ​​activity is the provision of settlement services in the MICEX markets. Basically, NCC acts as a guarantor between the parties when concluding transactions on the exchange and regulates contractual relations.

3. Gazprombank

This is not the first year that the top 3 most reliable banks in Russia, according to the Central Bank, remain unchanged. It is opened by Gazprombank, one of the largest banks in Central and Eastern Europe.

It offers customers the widest selection of debit cards (25 options), as well as credit cards, deposits, mortgages and even car loans.

Gazprombank has a huge customer base of over 5 million individuals and 45 thousand legal entities. Given the fact that the state indirectly participates in the bank’s capital through PJSC Gazprom, as well as the fact that Gazprombank serves many projects and companies in the most important sectors of the Russian economy (for example, the Blue Stream gas pipeline, Novatek OJSC, OJSC "Rusal"), you can not be afraid that one day he, along with your contributions, will "melt in the fog."

2. VTB

The second most reliable Russian bank is steadily increasing its presence in the regions. So, in 2020, he opened the first branch in the Chechen Republic.

And VTB is the first of the leading Russian banks to transfer its banking network to paperless technology. Already now, a digital format for signing documents is available to customers in 476 offices, and in the first quarter of this year it will be available in 1,500 VTB offices throughout the country.

Although VTB’s customer base is smaller than Sberbank’s, it’s larger than Gazprombank’s - 13.3 million individuals.

1. Sberbank of Russia

The largest and most reliable bank in Russia in 2020 boasts the leading indicators in the banking sector in terms of assets, net profit, retail deposits, investments in securities and the loan portfolio.

Although the Green Bank often receives bad reviews for long periods of time considering applications for a refund, imposing various services, poor service and for many other reasons, it nevertheless remains an unshakable rock in which it is not terrible to put your savings for a long time. And Sberbank has a huge share of ATMs with NFC - 95% of the park.

List of banks deprived of a license in 2020

By the end of 2020, about 30 banks may “burst”, several of them are in the top 100.

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