The reliability of a credit institution depends on many factors: the amount of equity, the quality of the loan portfolio, etc. Therefore, the most correct way to determine the stability of a bank is not subjective assessments and customer reviews, but the rating of an international agency (Fitch, S&P, Moody’s).

Today's top ten included the most reliable banks of Russia in 2014. Leading positions were taken by subsidiaries of foreign financial companies, followed by banks with state participation. State-owned banks were lower than foreign subsidiaries, as their safety, according to international rating agencies, is limited by the country rating of the Russian Federation.

We offer to study the list of the most unreliable banks in order to protect their savings. We also prepared an updated list of the most reliable banks in Russia in 2015.

10. SME Bank (S&P rating - BBB)

The Bank ranks 45th in terms of assets, 30th - in terms of capital. At the same time, SME Bank has one of the highest capital adequacy ratios - 22.9%. A BBB rating using the Standard & Poors methodology means sufficient ability to fulfill financial obligations, but greater sensitivity to adverse economic conditions.

9. ING Bank (Moody’s rating - Baa2)

ING ranks 29th in Russia in terms of assets and 23rd in terms of capital. A Baa2 rating means that the bank is exposed to moderate credit risks. At the same time, a high percentage of capital adequacy, 22.8%, testifies to the stability of a credit institution.

8. Unicredit Bank (S&P rating - BBB)

The Bank is one of the ten largest assets in terms of number nine. The effectiveness of operations is estimated by the return on equity at the level of 20.3%.

7. VTB24 (Moody’s rating - Baa2)

The subsidiary of VTB Bank is the fourth in Russia in terms of assets, as well as the sixth in terms of capital. State participation in the case of international ratings is against the bank - due to a decrease in the overall rating of the Russian Federation, VTB 24 may change its Baa2 rating to a less reliable one.

6. VTB Bank (S&P rating - BBB)

The bank ranks second in terms of both assets and capital. Of the dozens of participants, VTB has a fairly low level of capital adequacy - 12.4%, but at the same time, high stability is fully ensured by state participation.

5. Sberbank (Fitch rating - BBB)

The leader of the Russian banking market in terms of assets and capital is rated BBB, which, according to the Fitch methodology, means good creditworthiness and low expectations of credit risk experts, but the reliability of the state bank of Russia is not yet ideal.

4. Credit Agricole Kib (Fitch rating - BBB +)

The smallest bank in the top ten most reliable takes only 96th place in terms of assets. At the same time, the bank has the highest level of creditworthiness - 39%. And belonging to one of the leading financial groups in Europe (Credit Agricole Group) adds credit institution attractiveness in the eyes of experts.

3. HSBC (Fitch rating - BBB +)

The Bank is 85th in terms of assets and 70th in terms of capital. The credit institution is the "daughter" of one of the largest financial holdings in the world - HSBC Holdings plc.

2. Nordea Bank (Fitch rating - BBB +)

The “daughter” of the Scandinavian banking group of the same name takes 25th place in terms of both assets and capital. The main source of bank resources is the funds of the "parent" organization. The bank was recognized as the most reliable in 2015 according to Forbes.

1. Citibank (Fitch rating - BBB +)

The most reliable Russian bankAccording to international rating agencies, it ranks 19th in assets. The founder of the bank is the American group Citigroup. In July 2014, Fitch rated Citibank's rating outlook as stable.

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