Rosselkhozbank State participation. State share in VTB Bank. State Bank, what is its effectiveness

State banks or banks with state support, of course, cause greater trust in the population. They relate to the safest category of credit institutions, as the State Administration provides them with some advantages.

Methods of state participation

The list of state banks in Russia is practically not changed and is classified according to the degree of participation of the state:

• By virtue of the law
• Full participation
• Partial participation
• Indirect participation
• State control

The first embodiment includes banks that themselves are created on the basis of relevant federal laws. And the state does not participate in them, and they themselves personify the state: the central bank.

The second method includes banks, where the state owns 100% of the shares of the bank. For example, Rosselkhozbank or RNB.

Partial is the presence of a controlling stake in the state. The classic example of such a bank is Sberbank. Although everyone considers it to be a state, in fact the state owns only 52.32% of its shares in the person of the Bank of Russia. But at the same time, no one considers the Bank of Russian capital by state, and the share of participation in him in the face of the ASV is 100%.

Indirect - this is when state participation occurs through one of the controlled organizations, and not directly. The most understandable example is the banks of the VTB group. So, more than 99% of VTB24 shares belonged to VTB. In turn, the state belongs to 60.9% of VTB itself. Consequently, the state belonged to VTB24.

There are more complex designs - pelvis. More than 96% of its shares belonged to 96.784% of the Bank. Shares of the Svyaz - Bank belong to Vnesheconombank (more than 99%). And Vnesheconombank is already a government acting on the basis of a special federal law.

Control. In this category, it is possible to include the organizations in which the temporary administration is appointed, for example, at the time of the Sanation of the QAP or after the license revocation.

Banks with state support list 2019

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To date, Russia has 18 banks with state participation. The list includes both well-known brands that are included in the Top 10 Russian banking system and banks that are known mainly in certain regions of the country, their task is to fulfill certain large-scale projects related mainly to investing the construction of large production centers, Infrastructure, military facilities.

Why do our citizens trust banks with state participation? First of all, because in such cases, almost always a controlling stake in the bank is in the hands of the state, and he, as we know - there are much more resources for the salvation of the institution in the event of a crisis or the onset of other force majeure. We intentionally wrote "almost always", since in some cases, state structures have a share in a bank, which at first glance is insignificant (for example, 9.9% of shares in FC "), but allows you to control the supervisory departments and quickly interfere in the situation . So, below shows the list of Russian banks with state participation in capital formation.

Banks with state participation. List of 2018.

What effect does the state affairs on the banks listed in the list above? In itself, state participation, as mentioned above, does not make a reason to believe that the state makes some adjustments to the work of the Bank or dictates the conditions for issuing loans, assigns mortgage rates. Not. First of all, the work of the most important banks in the possession of which is particularly large money masses. This practice is distributed worldwide.

It would be logical to assume that state banks are banks that fully own the state through their various corporations and government bodies. However, under the clue, it turned out that in most such credit institutions the share of shares in the hands of the state is limited. That is, a part of the shares belongs to non-state (private) legal entities and individuals. On the size of these fractions and their ratio, however, how precisely the bank can be called state. And if we consider that according to the legislation, the owner may not participate in the operational management of his company, then, according to experts, it is not always possible to identify the state bank with the one hundred percent stability of his business.

Yes, and legislation equally refers to the rights of depositors of any of the Russian banks. The reliability of the bank is most influenced by hired top managers and their business policies. However, there are other more complex risks, if the emergence of which the state will save from the collapse, first of all, state banks. But whether it will contribute to the situation that has developed by that time is a question with many unknown.

In Russia, according to some estimates, there are more than fifty banks, in which there is a state share in a particular amount. For example, do you know that almost 42% of Sberbank shares belong to foreign persons and companies? Or that in the National Reserve Bank, the share of the Federal Property Management Agency (Federal Agency for Public Property Management) is now 2.99%. And the Bank of Russian Capital moved to the full possession of the State Corporation of the ASV as a result of its reservation in 2008, which did not allow a large private bank to go bankrupt. Approximately the same situation with the Bank of Moscow (before private), the salvation of which has been engaged in the crisis for several years its new owner - VTB Bank, considered to be state.

When evaluating any bank for belonging to the state, it is necessary to keep in mind the plans of the state itself slowly sell their own collaterals in private hands. For example, within the equation of the competitive environment within the RF banking system, ideas were once again announced to reduce the share of the Central Bank in Sberbank to a quarter. And now passing banks in the framework of anti-crisis measures on the contrary, will increase the presence of the state (represented by the QU) in the capital of several private banks.

In the review of the most profitable deposits in banks with state participation, keep in mind that, as a rule, in these banks, the highest rates are valid only for multi-million dollar savings of the VIP category. For more modest investments, interest here will be lower here, sometimes even one and a half or twice. And if you certainly want to find the highest rates of level 15-16.9% for moderate sums, it is better to contact small banks, prudently limiting there the volume of your deposits of the insurance liability framework (now 1,400,000 rubles).

Bank Globeks.

Today, of all four possible deposit offers of the bank, the most expensive - "accurate calculation". Its rates range 11-15% per annum. The profitability depends on the selected period and the embedded amount. The lowest percentage is valid for a period of 2-3 years, and the highest for a period of 6-12 months for ruble savings. Minimum amounts: 100,000 rubles or 2,000 USD / EURO.

The contract does not provide for replenishment, partial consumption, capitalization. Interest is paid at the end. Early termination occurs at the request "to demand". The contract can be concluded in favor of a third party, which is not found in each bank.

Absolut Bank

The deposit "Absolute Maximum +" is one of the five proposals of the bank. The best rates in rubles here are operating in contracts with a period of up to the year, in foreign currency, on the contrary - more than a year. A convenient time "Under yourself" can be selected in the range of 91-1080 days. The most profitable ruble yield on conditions: 367 days, contribution from 1,400,000 rubles. Lower savings (from 30,000 rubles) cost cheaper.

Additional acquisitions are not provided in the contribution. Interest is issued to the depositor at the end of the term. The preferential rate of early termination begins to act six months.

Russian capital

Total four types of deposits with different conditions in the bank. The highest ruble rate is 14.5% in three of them, incl. In the Russian Capital Plus Agreement, in which the best profitability is valid for a period of 395 days, for sums of 1,500,000 rubles. or from 50,000 euros / dollars. The minimum possible amount of investments is 10,000 rubles. or 300 euros or US dollars. Maximum period - 3 years.

Interest is calculated monthly: the choice is capitalized or issued in the form of rent. It is possible to replenish and early removal with the preservation of a part of the bet under certain conditions.

Svyaz-Bank

Of the ten deposits of the bank the best on profitability - the Classic Collection Agreement. True, the minimum start of 3,000,000 rubles in it. or 100,000 euro / dollars. The highest percentage is valid on the terms of accommodation: from 300,000,000 rubles. For 6 months or from 10,000,000 dollars / euro for 1 year. Below the rates are valid in other treaties, for other amounts and deadlines (from 1 month to 5 years).

The payment of interest is made at the end of the deadline or once a year. Partial removal, replenishment and privileges are not provided. But there is a possibility of online deposit opening through Internet banking.

Rosselkhozbank

The bank has just lowered its deposit interest. There are 14 types of deposits with different conditions of savings. Now the best bet is acting in the deposit "Golden", which opens including Through an ATM or Internet. The yield is tied to the amount (from 1,500,000 rubles) and a deadline (from 1 month to 4 years). The highest rate is offered for savings: from 30,000,000 rubles, housed for 6 months and from $ 50,000 / euro, with a period of 2.5 years.

Interest in this deposit is paid at the end of the term. Additional contributions are not accepted. Expenditure operations are not allowed. There is no benefit at the council.

Vbrr.

The Bank offers its depositors to choose from 12 types of deposits with different conditions. The best ruble contribution on the profitability is "Prime-M", in which the highest rate works: for a period of 3 months for investments from 100,000,000 rubles. The contribution "Special Status" - the most profitable for investment in dollars: term 1 year, from $ 5,000,000.

Of these two proposals: the ruble deposit records the monthly payment of interest without replenishing options, the currency deposit can be capitalized by interest, replenish and partially removed. The preferential rate in the council acts in limited cases.

VTB 24

Of the thirteen contributions are the best: for the currency - "profitable online", for rubles - "double". Conditions for the highest rate in rubles: Attachments from 3,500,000 rubles., 6 months, payment of interest at the end of the term without capitalization, there are no replenishment options and early termination benefits, is drawn up in a package with an agreement on investment insurance.

Conditions for the highest rate in dollars: savings from $ 50,000, the period can be selected in the range of 12-18 months, capitalization or rent when paying interest, only a remote opening through the Telebank system, a preferential rate in the council.

Bank of Moscow

The bank's deposit portfolio consists of eleven sentences. Today, the best on the ruble profitability is the contribution of the "correct answer" with the stair accrual of interest and quarterly capitalization. There is one bet for any amounts (minimum 100,000 rubles). The term for all is also one - 380 days.

The contribution "Maximum income (pension)" is the most expensive for the currency. The best bet is valid for savings from $ 100 / euro for a period of 366-547 days (up to a day after a client's choice). Monthly interest or capitalized, or paid at the request of the depositor.

Gazprombank

The contribution of Gazprombank - promising "is the best for today by the amount of interest rates. The most profitable ruble deposits are opened for a period of 6 or 12 months with a minimum amount of 1,000,000 rubles. The term for the best currency savings - 12 months with investments from 10,000 dollars / euro. The minimum deposit amount is 15,000 rubles., 500 dollars / euro. There are five deadlines to choose from - from 3 months to 3 years.

Percentages are charged once a year and paid (to choose a client) in the form of rent or capitalize. There are no additional options in the form of arrival operations. Early termination almost always changes the bet on the level of demand.

Sberbank of Russia

The contribution of "Save online" for several years in the bank the most profitable. The account opens remotely via the Internet, an ATM or a mobile phone. This adds a deposit of 0.3-0.95 percentage points compared to the usual office version without the "online". Today, the best conditions for savings - from 2,000,000 rubles. (or from 20,000 dollars / euro) for a period of 6 months to 1 year (accuracy to the day is selected by the contributor independently).

The income is charged once a month, the client selects the rente or capitalization in advance. There is no replenishment or partial consumption. But in half a year, preferential percentages begin to operate in the conditions of early termination of the contract.

Oksana Lukyan, expert project contributing

It has always been believed that enterprises, institutions that have state support or fully owned by the country are more stable and protected from any economic cataclysms. The same conviction applies to banks. Especially this question begins to worry potential customers during crises. In Russia, there are financial institutions that are to varying degrees relating to the state structure, although here we can allow a number of reservations.

Stability is not exhausted by a more sustainable position at the moments of exacerbation of the economic situation. The second advantage of banks with state protection is the fact that they are less likely to receive restrictions and sanctions from the main state body of the Financial Department of the Central Bank of the Russian Federation. Among the possible sanctions is a review of the license, control over the work of the financial organization, the definition of policies and basic actions.

Which bank in Russia is state

If you precisely follow the definition of "state", then, of course, the state is only the Central Bank of Russia.The Central Bank of the Russian Federation (Bank of Russia) is a top-level financial organization that has the right to emissions of money, that is, their production and release. This right is a monopoly throughout the country: only the Central Bank has the right to produce money, organize their distribution and process of circulation, to withdraw them from turnover. Released banknotes and coins that are in use are adopted by this state financial organization obligations, which are the assets of the Central Bank of Russia. Decisions on the release of money or withdrawal them are accepted by the Board of Directors of the Central Bank of the Russian Federation.

The duties of the Central Bank also includes the development of credit and monetary policy and regulation of banks (this is its inherent right, relating to special powers). The Central Bank is also engaged in ensuring reliable and continuous work of the payment system across the country.

It can be said that the Central Bank is the main coordinator of the credit system, which makes it a country economic management body.

• The Central Bank issues loans to other financial institutions;
• controls their activities;
• deals with the issuance and review of licenses for the implementation of actions in the financial sector.

The Constitution of the Russian Federation determines that the main function of the Central Bank of the Russian Federation is to ensure the stability of the economy, in particular, the sustainability of the national currency - the ruble. To implement this purpose, the Central Bank may act independently of other state structures. Such a latitude of its powers is determined by the law "On the Central Bank of the Russian Federation (Bank of Russia)".

Which banks in Russia are state

If the Central Bank of the Russian Federation is fully and fully belongs to the state and is its personification in the financial sphere, the rest of the banks are in fact they are only partially.

In some banks, the state is the owner of the test package of shares. These are banks such as: Sberbank, VTB, some others.

Financial organization is partially state, if:

• the owner of the test package is a state organization, a structure, agency;

The controlling stake gives the authority to manage the organization almost alone. Legally, the "Control Package" is 50% of the shares + 1, in the case of the presence of such a package when managing the bank there is no conflict of interest, that is, it becomes actually the head of the department.

However, it should be noted that the presence of a person (physical or legal) package at 20-30% can also give a high level of control, especially if the remaining shares are distributed and are in smaller holders.

Of course, there are some restrictions in the rights - to make some important decisions there is not enough control stake in votes, required at least ¾ (75%) of the votes of shareholders. However, this applies only to the adoption of particularly important decisions (for example, the liquidation of the organization). Therefore, the controlling stake, despite these restrictions, makes its owner a single authority in management.

• the state owns shares in an amount sufficient to block some solutions;

The blocking package of shares is 25% + 1, the following in size and importance is a sign of power in organizing the organization. His owner is the second person of the organization. This number of shares allows you to block any decision of the General Meeting of Shareholders, since without this "25 + 1" the status quo cannot take place.

In addition to these two varieties, there are still majoritarian and minority packages. The first one also, with a certain structure of the distribution of shares, the owners may have control functions, the second, by defining the legislation of the Russian Federation, is uncontrollable (from 1% of the shares).

• the management and coordination of the Bank's work is carried out entirely by the Central Bank or with their participation.

Is it worth choosing a bank with state support

The fact that the state manages many financial structures is a fact. The question is only to what extent. According to reports, this is a list of not less than 50 positions.

Of course, the Bank with state support will not offer the client the maximum percentage of the contribution, for example, but instead the depositor receives the stability of the state of his account and guarantee the safety of funds.

If a person plans to get a loan, then it is better to stop his choice on state banks. Definitely do not have to urgently fully repay or change the lender during the loan agreement.

Below is an incomplete list of state banks in Russia, while the term "state" means not fully belonging to the state, but the availability of its participation in management.

• Sberbank of Russia;
• VTB;
• VTB 24;
• Gazprombank;
• Bank of Moscow;
• Vnesheconombank;
• Rosselkhozbank;
• Far Eastern bank.

In these and many other banks, the state is presented by a controlling stake.

You can easily find out which financial institutions can be attributed to the category "State Banks of the Russian Federation", the list can be seen here:

This page provides an actual list of financial institutions, in the management of which the state participates in one way or another. We hope that it will be useful to you if any questions occur.

The crisis traditionally hit the banking system, especially in the conditions of sanctions, when ensuring stability is planned to achieve the support of support to key organizations with the greatest capitalization. 10 banks have been established that the state will save through regular financial injections. Selected structures are classified as systemic and significant organizations that fall under the requirements of Basel-3 rules. The Central Bank, taking into account the new requirements and due to crisis phenomena, determined a list of structures that can count on state support.

10.

The financial organization has its own capital in the amount of $ 33 billion and annually receives a profit of $ 520 million. The commercial structure carries out maintenance of middle and small business representatives and cooperates with 3.5 million individuals. The bank has 180 branches throughout Russia and serves 12 thousand ATMs. Entering the list of 10 banks, which the state will save, the organization received assistance in the amount of $ 9 billion.

9.

It is one of the largest commercial banks in Russia and has its own capital in the amount of $ 45 billion, paying $ 4 billion annually. The bank is highlighted by a developed network of branches and mainly operates in 51 regions, especially its positions are strong in Bashkortostan, where social payment instruments are being introduced - "Electronic Universal Card". The organization takes part in the implementation of social programs:

• "Education"
• "Children of Russia"
• "Health"
• "Affordable and comfortable housing"

Once upon a list of 10 banks, the organization received $ 12 billion from the state.

8. Bank Russia

The structure has its own capital in the amount of $ 27 billion and annually receives a profit of $ 2 billion. The organization specializes in the control of assets in different economic fields. The bank belongs to the shares of the following organizations:

• "SOGAZ"
• "First channel"
• newspaper "Izvestia"
• Gazfond

The organization is under the sanctions of the United States, frozen the assets of the structure under the jurisdiction of this country. Payment international systems Visa, MasterCard do not serve the bank cards. Standard & Poor's Agency estimated the structure rating as negative - V / in. Given the current situation, financial organizations was introduced into a list of 10 banks that will be saved by the state in connection with the negative external background. The amount of assistance amounted to $ 13 billion.

7.

The most important commercial bank of the country, which has its own capital in the amount of $ 215 billion and the profit of $ 74 billion per year. The organization cooperates with individuals and legal entities and has 110 branches located in Russia, the United States, the United Kingdom, Cyprus. A group of credit institutions has been created with the title name of functioning in Ukraine, in Kazakhstan and Belarus. Once in the list of 10 banks, which will be supported by the state, the financial structure received $ 62.8 billion.

6.

Once from 10 banks, which will be saved by the state, Raiffeisenbank has an authorized capital of 36 trillion. $ and distinguished by high reliability ratings in all categories:

• bBB resistance;
• deposit rating in rubles on the national scale - AA2;
• short-term rating in foreign currency - F3.

Despite this, the organization received a negative long-term rating of deposits, as in rubles, so in Currency - BA2, the credit risk received the same assessment. The Russians are encouraged to make deposits in rubles, because on the national scale the long-term rating is rated as AAA with a stable forecast. The bank fell into a program of additional capitalization, but not yet decided to participate in it.

5.

Quite modest, but Promsvyazbank is fully considered, which is part of the Promsvyaz Capital B.V community. The volume of own funds of a financial organization reaches $ 125 billion. The organization cooperates with 100,000 domestic enterprises and serves 2,000,000 private clients. The amount of assistance in this time is not set. Being included in the list of 10 banks that the state will save, the structure has sufficient assets and will receive assistance in the event of the risk of crisis phenomena.

4. Bank Opening

Retail universal structure, which has its own capital in the amount of $ 18 billion and receiving annual profits of $ 6 billion. The organization sponsors the activities of social projects "Good Deeds", "Vera" and cooperates with the Spartak Football Club Moscow. The Bank is part of the "Opening" group, which has a full-featured financial structure, which has 2 trillion assets. $. The bank will receive $ 65 billion from the state.

3.

The organization is in government property and has its own capital in the amount of $ 218 billion., Having assets in the amount of $ 2 billion. The loan portfolio of the structure is 1 trillion. $ 270 billion. The bank issues a loan to representatives of small and medium-sized businesses and occupies a leading position on lending to the agrarian and industrial complex. Since 2008, the total amount of loans issued amounted to 2.3 trillion. $. It is among the 10 banks whose salvation is planned first of all, the organization received assistance in the amount of $ 69 billion.

2.

One of the key organizations is Gazprombank, included in the list of 10 banks, which will be saved by the state due to the high level of capitalization equal to $ 272 billion. Annual profit is $ 34 billion, and the size of assets exceeds 3 trillion. $. The bank works in the gas industry and cooperates with individuals, legal entities. The organization sponsors the construction of the largest projects in the country:

• "Blue Stream"
• Yamal Europe
• "Power of Siberia"

State support size is $ 125 billion.