The most reliable banks of the country. The most reliable banks. Top banks with the most profitable offers

Totally agree last year Licenses were devoid of several banks in Russia at once. Of course, for many depositors it became a real shock - how to get your money when it can be done, will the contributions and what is important, interest on deposits? In this regard, many depositors have a question: what bank is the most reliable in Russia? And is it possible to hope for it if it is decided to make a contribution to a large amount?

When making a deposit, it is worth remembering only about one thing - the depositor will necessarily return its legitimate amount of money, but only if the contribution has not exceeded 1400 thousand rubles (earlier this amount was twice as fewer - 700 thousand rubles).

Therefore, if you decide to make a contribution to large amount money, then approach this question standing with the mind and correctly choose the most reliable bank in Russia.

What bank can you entrust your savings

So, you decided to open a new contribution and it is advantageous to invest your savings. And then the question arises: to whom to trust? Here is a list of 10 banks that inspires confidence:

How to choose the most reliable bank

So, as practice shows, despite the enormous amount of information on this issue, the country's population is still financially illiterate and does not know how to choose a reliable "repository" for its savings. As a result, the bank is closed by a license, and the usual contributor loses a considerable amount of money.

So how to choose a reliable bank that will help not only save, but also accumulate savings? Take advantage of several tips:

1. Make sure the bank really enters the insurance system. To do this, check that the organization engaged in the storage of money and issuing loans is indeed a bank, and not the usual financial institution that lures you with high interest on deposits. Is one or another branch of the insurance system as a member of the insurance system, contacting the hotline of the Insurance Agency. As mentioned above, at present the amount of insurance is 1,400 thousand rubles.
2. Do not invest in one bank amount more than maximum amount Insurance. In the event that you have more than 1,400 thousand rubles on your hands, this money can be divided and inserted into several banks or open another contribution to the same bank, but already on a relative. By the way, if the bank responds with a license, it is insured not only the amount of the deposit, but also interest in this contribution. Therefore, you can count not only by the amount you have invested in the bank, but also on material compensation.
3. Refer to the paperwork as much as possible.. Including again re-read the contract and keep in the integrity and preservation of its acquisition and receipt order.

However, despite all the warnings, it happens that the bank still respond to a license. In this case, you should act as follows:

1. Do not be nervous and panic. Two weeks after the bank has selected a license, the DC (insurance deposit agency) hangs on its website a list of those places where you can get insurance payments. In addition, lists are often postponed on the doors of the former departments of the bank.
2. Do not rush! As a rule, customers in a panic from what their cash They can burn or somewhere abyss, wish to get their money immediately. In fact, the cash receives everything without exception, but one thing, if you get them on the first week, defeating a considerable queue, and quite another - take the payments a little later, at a convenient time for you and without extra panic and large queues. By the way, you can get your contribution within 1.5-2 years after the bank has been withdrawn by a license. If at the moment you do not have the opportunity to pick up your contribution, then you can send a statement to the DAV by mail, certified by the notary, then your cash will be listed on the specified account or sent by money transfer.

When contacting a bank agent, do not forget to capture a passport with you. If you are a regular depositor, then you can issue money both on a bank account and cash. As for entrepreneurs, they will be able to get their money only by non-cash in the expense of another bank. And remember: It doesn't matter what amount is in your hands, the main thing is that your contribution to the bank does not exceed 1400 thousand rubles.

Every year more and more people prefer to keep money in banking institutions in the form of deposits. Opening the contribution, a person can count not only at an increase in the amount at the expense of interest, but also on their absolute preservation. After all, today it is necessary to think not only about where to invest money, but also whether the banking institution provides any guarantees for the preservation of the contribution. It is guarantees and responsibility are the main indicator when choosing a bank.

List of reliable banks in 2017

Regardless of the economic situation in the country, the choice of bank should be approached as responsibly and carefully. Therefore, for each person becomes true problem The question is which bank is the most reliable in Russia. To obtain reliable information about the activities and warranties of the Bank, you can contact the rating of the reliability of banking organizations.

At the same time, the size of equity of each bank is taken into account for the relevant and maximum truthful data. The higher this indicator, the more reliable the organization. In addition, when choosing a bank, many people are focused on rating rating agencies and reviews of real depositors.

The indicator of the adequacy of equity is implied by the main criterion for assessing the reliability and stability of banking organizations, which was established Central Bank RF. The list of the most reliable Russian banking institutions includes:

• Sberbank;
• VTB and VTB 24;
• Gazprombank;
• Rosselkhozbank;
• Alfa Bank;
• FC discovery;
• Moscow credit bank;
• UniCredit Bank;
• Promsvyazbank.

The most reliable banks in Russia should ensure all their obligations to people who have discovered their own capital, since in the event of a bankruptcy institution depositors should receive their money back. In addition, the Central Bank of Russia has established a minimum indicator of equity, and if the bank does not fulfill the condition, it can take a license.

Compliance with the value of the adequacy of own assets H 1.0 is required for each russian bank. Adequacy own funds In the amount of 10-11% is a medium value. Most banks are trying to adhere to this indicator, and in the case of its decline to 1-2%, licenses for banking, credit activities can be lost at all.

It is worth remembering that it is not necessary to base your choice of a bank to open the contribution only on the reliability rating, since the economic situation in the country can change dramatically, and not for the better. Therefore, the second indicator of the Bank's reliability is to participate in the deposit insurance system. The state protects the deposits of individuals through deposit insurance. Such a system is practiced in more than 100 countries of the world.

In 2004, the deposit insurance system appeared in Russia. According to the law, each investor can count on 100% reimbursement of its funds in the amount of 1.4 million rubles. Therefore, if you plan to open a contribution of several million rubles, then give preference different banksso that in case of occurrence insurance case Return all your funds.

List of reliable banks of Russia 2016

When choosing a banking institution for the opening of the contribution, it is worth considering not only the ratings of reliability ratings, but also to take into account the work of the bank in the past year. It is also worth carefully examining the reviews of real depositors who are often divided by their impressions about a particular organization. They will help you choose the most profitable contribution, as there are many programs for investors in each bank.

In 2016, to assess the stability and reliability of banks of Russia were investigated financial indicators, including net profit, net assets, loan portfolio. So, in the rating of:

• Sberbank;
• Gazprombank;
• Alfa Bank;
• National Clearing Center;
• MDM Bank;
• Raiffeisenbank.

Most banking institutions are trying to maintain their leading positions in the reliability rating. The list of stable banks is the largest organization. Leadership divided banks that occupy more than 60% of the country's credit and banking market. It takes into account not only the importance and reliability of the organization, but also the quality of the provision of services.

Addressing the reliability rating of the Central Bank, people can find out financial stability Bank, to understand who should trust his money, and who does not. In most cases, understanding and studying the issue helps ordinary people To do right choice and open a deposit in a reliable bank.

At the same time, one interesting pattern can be seen: the safer than the bank, the smaller the percentage of the bet he can offer. This is due to large bankwho has already taken its niche in the banking market, no additional assets are required to attract additional assets. Consequently, the Bank may not oversee the deposits rates in order to attract customers. Of course, for many depositors, it is a major role that plays exactly the interest rate, but do not forget about the reliability of the organization, as well as providing warranties for the safety of funds.

In 2016, such major, famous banks, like Tinkoff, Citibank, Home Credit, Russian Standard took their positions in the rating of reliability at a hundred positions. And many banks attract their customers with the help of high-day consumer loans, that is, they give unsecured loans under high percentages.

There are a number of banking organizations that last year have demonstrated a confident growth of their positions. For example, the Renaissance Credit Bank, which specializes in lending, attracted many contributors with favorable conditions. To date, companies are kept more than 80 million rubles. Depositors, which is a good achievement for any banking institution.

It is also worth noting those banks that are widely successful among investors, but could not take honorary places in the ranking of the central bank's reliability rankings. These include the Bank "Svyaznoy", "Development", "Rosinter". Popular and reliable banks are two different categories of organizations of organizations that attract the cash of the population. The popularity of the bank increases along with increasing deposit rates. But reliable banks do not set goals for mass attraction of depositors and can not always offer favorable bets.

What reliable banks today exist within the framework of the financial structure of the Russian Federation? The constant changes in the political and financial sphere of our country have caused the inhabitants to invest their funds for deposits. The same situation is also in relation to credit programs data of financial institutions. But if a citizen wishes to use the services of such structures, it is recommended to pre-examine the rating of the reliability and sustainability of banks and the conditions offered by them. This moment is especially obligatory for those who are planning long-term cooperation with a financial institution. The list of reliable banks is formed on the basis of the expert opinion of the financial sector and data from the Central Bank, as well as taking into account the responses of the clients of these credit institutions.

The main problem of banking institutions is the service sector. This, unfortunately, concerns the activities of the employees of a credit and financial organization. Rudeness and non-professionalism are everywhere. If the future client of such a institution wants to master reliable information on the bank's proposals, he should be consulted not one, but several of his employees.

So, what banks are reliable?

Sberbank

This financial association is the largest in Russia, it has the greatest share in general assets - it reaches almost 30%. The volume of the loan portfolio is equal to 14 billion rubles, which is three times more than the nearest competitor. The main advantage of the institution is that it is a state structure: depositors should not be afraid of possible loss due to the license revocation. In addition, Sberbank has the most extensive infrastructure throughout the country, and ATMs can be found even in the most remote cities.

This is the most reliable bank for deposits.

The main advantages of the institution can be attributed:

1. Minimal bid. by mortgage lending.
2. Branched infrastructure.
3. Good and well-thought-out bonus program on loans and deposits.

Among the shortcomings of Sberbank:

1. Low maintenance.
2. Periodically emerging difficulties in computer software.
3. Long wait due to large queues.

What financial organizations can still be called reliable? What banks relate to their number?

Currently, the Financial Organization offers its customers a wide range of services. This institution serves not only private traders, but also enterprises of the middle, small business, and provides them with batch service, credit programs, bank guarantees, depository services. To date, among customers of a credit organization, 26,000 companies and about a million individuals. As for the interest ratio of deposits, the bank has a share of 8.9%. The main number of customer complaints is associated with low service in regional offices.

Among the main advantages of UniCredit organization can be noted:

1. A good deposit bonus program.
2. The presence of a large number of offices in big cities.
3. Convenient online version of bank account management.

Among the shortcomings:

1. Low service.
2. Small number of offices in small towns.

Many are interested in reliable banks with high interest on deposits.

Rosbank

He is a subsidiary of a group of financial institutions from France Societe Generale. The credit organization has state assets, therefore the probability of revocation of a license is minimal. Rosbank is a universal financial structure that serves private depositors and enterprises of different spheres. Bank offers its customers tempting loans proposals that are beneficial for small businesses that have a small annual percentage. However, customers leave rather contradictory reviews. Negative responses are associated, as a rule, with non-professional maintenance, irrelevance of information about the location of working offices.

Among the advantages can be allocated:

1. Support for overseas banks.
2. The presence of state assets.
3. Favorable conditions for lending.

The main disadvantage is the low level of competence of the service personnel.

What banks are reliable - not everyone knows.

Raiffeisenbank

It is a subsidiary of the Austrian financial structure. Every year it is on one of the leading places in the ranking not only by the Central Bank, but also the famous Forbes financial magazine.

The most reliable bank provides services to private and corporate clients. The main advantages of Raiffeisenbank - a comfortable and thoughtful version of the online service, profitable terms on the provision of loans, flexible deposit programs. Customers report that a credit and financial organization provides decent service, but in some cases annoying situations arise when representatives of the institution submit incomplete information to the client.

Among the main advantages of the organization are dominated by the following:

1. Comfortable self-service system.
2. Favorable lending projects.
3. The presence of an extensive network of branches.
4. The company is a subsidiary of a proven and well-known structure.

The main disadvantage is the low competence of representatives of banks in regional offices.

Sitibank

Deposits provides a major American concern, whose subsidiary of which is a financial organization. In any major city of Russia there is a separation of this bank, and the infrastructure in them is well developed. The main specialization of the institution is the maintenance of large corporations, but accessible and advantageous offers on loans and deposits are also provided to individuals.

Among the advantages of the organization can be allocated:

1. Convenient online banking system.
2. A convenient system of using funds in a bank in a bank when in other countries.
3. Support overseas capital.

Disadvantages of this financial structural unit:

1. Lack of representative offices in small cities.
2. Low competence of employees in regional offices.

Bank "Inteza"

He is a representative of Italian capital in Russia. The Bank is more oriented to work with organizations that have large capital, but for individuals also provides good loans and deposit programs. Clients leave usually favorable reviews.

The advantages of the financial organization:

1. Business lending orientation.
2. Favorable programs By deposits.

Disadvantages:

1. Long waiting for money in departments with the "Tax Free" program.
2. Khamsk customer handling in some offices.

Gazprombank

Credit Institution He has support for public capital. The main specialization is the financing of enterprises whose activities are related to the extraction, transportation of natural gas, oil. In addition, the Bank provides services to individuals, offering them profitable and convenient programs. The most advantageous offer is the car loan of individuals at reduced rates: credit organisation It has an agreement with many large car concerns.

The stability and reliability of the bank is no doubt.

Among the advantages should be noted:

1. Availability of your own mobile application that allows you to access the account.
2. Good system Internet services.
3. High reliability of the bank confirmed by international financial organizations.
4. The presence of a major asset, the sum of which exceeds 500 billion rubles.
5. High degree of trust among residents of the country.

The main disadvantages are:

1. A poorly developed self-service system - ATMs are not even in all regional centers.
2. Availability of negative reviews from customers of this financial institution.

"VTB Bank of Moscow"

Every year it takes one of the leading positions in the ranking of banking institutions. Private entrepreneurs, small, medium businesses, individuals, the organization offers an extensive range of loans and deposits. Many citizens use car loans and mortgages in this bank. The state is the owner of a part of the capital of a financial institution, so the probability of the loss of money is minimal. VTB is considered one of the most reliable banks in Moscow.

Among the advantages:

1. The presence of a steadily operating system of Internet banking.
2. Ensuring round-the-clock access to hot line.
3. The presence of a large number of self-service stations.
4. Good bonus bonus programs on deposits and credit cards.

Disadvantages:

1. A credit and financial institution provides low interest on deposits.
2. Some employees are incompetent.
3. Paid SMS notification.

Rosselkhozbank

The asset is currently located on the fifth position among Russian banks. It has public capital. The main specialization of the organization is the maintenance of agro-industrial enterprises. In addition, the institution provides services to individuals, private entrepreneurs. The financial organization offers many advantageous offers for loans and contributions.

Among the advantages of the bank:

1. Favorable lending programs for young families.
2. Lack of credit commissions.
3. The presence of low lending programs.

Disadvantages:

1. Low service speed in branches.
2. Necessity mandatory insurance According to lending programs.

"VTB 24"

He is a subsidiary of Holding "VTB Bank of Moscow". The main advantage is its orientation for servicing individuals and small businesses. Because of this, the organization has a well-developed infrastructure, many ATMs and offices. The contributions made to the bank are in the maximum security, since the institution has public money.

The disadvantages and advantages of the bank are identical to those of VTB Bank of Moscow, the only difference is to have more interesting lending programs for individuals.

Best financial organizations for deposits

It is better to make a contribution to that bank that does not have public money, or their number is minimal. Such organizations, unfortunately, offer minimal interest rates, but they provide maximum preservation of investment. The highest percentages offer institutions with state supportBut in this case the client risks losing his funds. In view of this, it is desirable before conclusion financial relations With a banking institution, familiarize yourself with the ranking of reliability banks.

The famous magazine of business people presented to universal attention a list of banks of Russia 2017, a distinctive feature of which is reliability. Everyone who wanted placing money there, which were difficult to sleep, can safely sleep and not worry about their irretrievable loss. The most reliable banks offer many services to their customers. It remains to understand what institutions believe.

The most reliable banks: how the degree of "reliability" is determined

With regard to banking institutions, the word "reliability" has the following decoding:

1. The management of the bank is competent and rationally disposed of capital, i.e. It is appropriate to talk about profitability.
2. The likelihood of loss of all capital is excluded for literally 24 hours. People with higher people economic education It is understood that this is a "standard of instant liquidity".
3. Capital adequacy shows how to relate to each other equity Bank and money on his accounts (assets).
4. Money invested by the population.

The most reliable banks attract the attention of entrepreneurs and people who want.

№ 11 Alpha Bank

Something prevented this commercial bank Log in to the top 10 of the best banks. Management is carried out without the participation of the state. It would be possible to believe that Alpha Bank is beyond the foreign influence, if it were not for registration in Cyprus, where, as is known, the tax climate is very favorable. Assets available at the disposal are calculated by the amount - 2404.1 billion rubles.

If you choose the most reliable banks for deposits, then this financial institution is suitable for small savings. Although many are happy to cooperate with this bank.

No. 10 Rosselkhozbank

The main mass of customers is the part of the citizens, on the shoulders of which domestic agriculture. Against the background of assets, 2795.1 billion rubles, the remaining indicators seem more modest. For example, last year the institution was content with a profitability of percentage of percent.

The bank will like everyone who decided to open a business in rural areas. The institution with pleasure collaborates with farmers.

No. 9 Gazprombank

The name of this bank is so "liked" to the Americans and Ukrainians, that they certainly decided to include it in their sanction lists. When 2017, Gazprombank has emerged 5054.3 billion rubles in the form of assets. They do not allow them to use heavy times, which is why the bank cannot rise above the 9th place of this rating.

In any case, the list of the most reliable banks 2017 is the institution entered.

No. 8 VTB

About 61 percent of shares disposal russian government. As for the volume of assets, VTB Bank, 9502.1 billion rubles, figuratively speaking, breathe in the back of Sberbank. It is worse with an instant liquidity indicator - when compared with 2016, it decreased by almost 30 percent. This circumstance did not prevent the regulator to set VTB to the second place of the reliability rating compiled by the Central Bank of the Russian Federation.

№ 7 BANK OF CHEIN

It was born in the distance in 1912, considered to be a Chinese long-lived bank. In neighboring Russia, settled in 1993, where he was registered called the Bank of China. Preference is given to the maintenance of moving in both directions between China and Russia of money as a derivative of financial transactions. But for ordinary citizens, the doors of the institution are also always open. The bank has assets in the amount of 29.2 billion rubles.

The most reliable banks of Russia are a guarantee that customer money will be saved or multiplied. Back in such institutions is not scary.

Number 6 Bank Inteza

At the dawn of their activities, the Bank participated in projects related to charity. Then the name of the institution sounded differently - " Russian bank Project financing. " He patronized to him "European Bank for Reconstruction and Development".

Initially, here were treated for loans. large companiesBut then the vector of activity shifted towards small businesses, even later reoriented to individuals.

In 2003, the Owner becomes the Italian corporation Intesa Sanpaolo. At the moment, "Bank of Inza" manages assets in the amount of 59.1 billion rubles. Attention should be paid to this bank if the question arises.

No. 5 Citibank

All Citibank's securities providing the right to vote belong to the influential financial group "CityGrup". She headquartered in America. Citigroup was intended among the first to protruding the path among the ruins of the Soviet Union, successfully creating Sitibank here. Since then, in its bins there are assets in the amount of 442.3 billion rubles.

№ 4 Raiffeisenbank

Few people know that the scale of the activity of the Raiffeisenbank famous to the whole world of the Austrian company, in the middle of the 19th century, was much more modest. After all, then it was just a cashier of ordinary German agricultural workers. The peasants received the opportunity to receive compensation at a very poor crop or disasters of another nature.

Now the branches of Raiffeisen successfully function in the territory of all states formed after the collapse of the USSR. In the amount of assets amount to 768.5 billion rubles. If planned, then for financial support you can safely contact here.

No. 3 Rosbank

The lion's share of Rosbank shares is in the hands of French colleagues from Societe General. The administration of the Bank of Russia found it necessary to include Rosbank in a dozen systemically significant financial institutions. Rosbank owns the funds that bring profits in the amount of 786.5 billion rubles.

№ 2 Unicredit Bank

The largest bank of UNITCREDIT Bank is officially considered part of the Italian unification financial organizations With the same name - Unitcredit. Colleagues from abroad are owned by a decisive amount valuable papersgiving the right to vote. All assets measured in monetary equivalent are calculated by the amount of 1196.6 billion rubles.

So far there are no prerequisites for the fact that in the foreseeable future, someone will take the first place to the heir of savings receipts based in the young country of the Soviets in the 20th years of the last century. As of the moment, the leader does not have any assets in the amount of 22,336.5 billion rubles.

This is the most reliable bank for deposit, loans and finance for the development of your own business. A wide range of services and work in all regions of the country make this bank in demand and reliable.

Due to the constant changes in the financial and political life of our country, many residents do not risk investing their savings on the deposit accounts of Russian banks. The same applies to credit programs of these financial structures. For those who still want to take advantage banking servicesBut I do not know in which bank you can take a loan or discover a deposit, we propose a rating of the best banks on the reliability of the Russian Federation, based on the expert opinion of financial professionals and data of the Central Bank, as well as reviews of simple clients of these banks.

Comparative Table: Top 10 Best and Reliable Banks of Russia

The problem of working with customers is the real Beach of the Russian service sector. Unfortunately, it concerns and work bank employees. Nonprofhesionalism and rudeness can be found everywhere. If you really want to get reliable information about banking proposals, it is better not to clarify one, but in several representatives of the company.

1. "Sberbank"

The largest financial association of the Russian Federation, on it the largest share of general cash assets - a little less than 30%. The loan portfolio is 14 billion rubles, which is three times more, which is the nearest competitor. The main advantage of the institution is that it is state structure: Depositors do not threaten the loss of funds as a result of the license revocation. He has the most extensive infrastructure in the country, ATMs meet even in the most evil towns.

Advantages of the Bank:

• Minimum mortgage rate;
• Branched infrastructure;
• Good and well-thought-out bonus program on deposits and loans;

Disadvantages:

• Low maintenance culture;
• Long waiting due to large queues;
• Periodic difficulties with the work of computer software.

2.

To date, the Bank offers an extensive range of services for individuals and for small and medium-sized businesses: from batch service to depository services, bank guarantees and credit programs. About a million Russians and 26 thousand companies use the banks of the bank. In the percentage ratio of deposits, the Bank's share is 8.9%. Most user complaints are associated with service level in regional offices.

Advantages of the Bank:

• A good bonus program for depository proposals;
• A large number of offices in major cities;
• Convenient online management version of the bank account.

Disadvantages:

• Low service level;
• Small amounts of departments in small cities of the country.

3. Rosbank

The subsidiary of the financial group "Societe Generale" from France. Public assets are invested in the bank, therefore the risk of license is meager. This is a universal banking structure that serves enterprises of any field of business and private depositors. Offers tempting credit offers Favorable for small businesses with a small annual percentage. User feedback both positive and negative. The main negative, as in 90% of other cases, is associated with the non-professionalism of the service personnel and the irrelevance of data on the location of the bank's working offices.

Advantages of the Bank:

• Favorable credit proposals;
• Availability of state capital;
• Support overseas banks.

Disadvantages:

• Low maintenance culture.

4. Raiffeisenbank

Another daughter of the European financial structure, the Austrian Austrian company Raiffeisen Bank. Every year it takes one of the leading place in the ranking of the best Russian banks. It works both with private and corporate capital. Flexible deposit programs, profitable credit conditions, thoughtful and convenient version of the online bank - these are the main advantages of this financial institution. According to the reviews of the Bank's customers, service at level, but there are annoying shortcomings, when employees provide an incomplete set of information.

Advantages of the Bank:

• A subsidiary of a well-known and proven banking structure;
• Branched network of institutions;
• Profitable credit projects;
• Comfortable self-service system.

Disadvantages:

• Low professionalism of employees in regional offices.

5. "Sitibank"

Ensuring deposits is guaranteed by the largest US CITYGROUP concern, which is belonging to this subsidiary. Branches are in all major cities Russian FederationThe company's infrastructure (self-service departments, branches and ATMs) are developed at 100%. The Bank mainly specializes in servicing large intercontinental corporations, but there are profitable and affordable offers on deposit and credit deposits for individuals. Private customers praise for a well-thought-out system of Internet banking and the possibility of removing deposit funds through ATMs in all corners of the planet and without a commission.

Advantages of the Bank:

• Supported by overseas capital;
• A convenient use of funds from the Bank's account in other countries;
• Clear and convenient online banking version.

Disadvantages:

• There are no departments in small towns;
• Low maintenance level in a number of regional offices.

6. "Bank of Inza"

Representative of Italian Capital in Russia: The Bank is a subsidiary of the financial company Intesa Sanpaolo. Like others affiliated companies More focused on working with major capital. For individuals, good loan programs and depositary offers are provided. The main branches are focused in the major cities of the whole Russian Federation. Customer reviews are mostly favorable, most complaints are associated with the misunderstanding of the situation itself by the consumer or employee of the bank.

Advantages of the Bank:

• Bank for business lending;
• Favorable deposit programs

Disadvantages:

• Long receipt of funds in the branches under the program "Tax Frey";
• It is noticed Hamsk attitude to customers in some departments of the bank.

7. Gazprombank

Bank with state capital support. Specializes in financing companies engaged in the production and transportation of oil and natural gas. It works with individuals, for them convenient and profitable credit and deposit programs have been developed. Especially profitable car loan offer for individuals with low interest rate: The company has agreements with a number of large automotive concerns. Branches of a banking enterprise are not only in the territory of the Russian Federation, but also beyond.

Advantages of the Bank:

• Bank trust their investments more than 3% of all residents of Russia;
• The asset of the bank exceeds 500 billion mark;
• High reliability of the Bank, confirmed by international financial structures;
• Good Internet banking system;
• There is own mobile applications To access the account with smartphones and tablets;

Disadvantages:

• The network of own self-service systems and ATMs is poorly developed, even in regional centers of the country;
• Availability of negative reviews of bank customers.

8. "VTB Bank of Moscow"

Stably enters the top 5 Russian banking institutions. For private entrepreneurs, small and medium businesses and individuals, a whole range of depository and credit programs has been developed. A large number of Russians use mortgage and road loans in this bank. Part of his capital belongs to the state, so the risk lose its money minimal. In 2004, during the world financial crisis The state helped him: he was able to fulfill his obligations to customers.

Advantages of the Bank:

• Good bonus programs for deposit and credit cards;
• A large number of self-service ATMs and stations;
• Having a hotline - it works around the clock;
• The Internet banking system works quickly and without failures.

Disadvantages:

Online banking is not fully developed, a number of questions can be solved only in the departments;

• For SMS reports of writing off the money from the account, you have to pay from your pocket;
• Negative reviews about the incompetence of individual employees;
• Minimum interest on deposit deposits.

9. "Rosselkhozbank"

Currently, ranks fifth in the asset in the ranking of Russian banks. Like the rest top Banks are provided with state capital. Specializes in servicing companies of the agro-industrial complex, also works with private entrepreneurs and individuals. There are a number of interesting proposals for depository and credit services.

Advantages of the Bank:

• The presence of credit programs with a low annual percentage;
• No credit fees;
• Favorable conditions for maternal capital;
• Good credit conditions for young families.

Disadvantages:

• Compulsory credit insurance;
• Low maintenance rate in compartments.

10. "VTB 24"

The subsidiary of the financial holding company VTB Bank of Moscow. The main advantage of the bank is its narrow specialization: it is focused on working with small businesses and individuals. Because of this, the Bank has a well-developed infrastructure, there are a large number of own ATMs and self-service departments. Deposit deposits will be in maximum security, as there are state cash in the bank.

The advantages and disadvantages of the bank:

• Almost 100% identical to the same parameters for the VTB Bank of Moscow bank: the only difference is more interesting lending programs for individuals.

Which bank is best to invest cash and where is the best credit conditions?

The contribution of money is better to carry out in banks, where there is no state capital or where it is minimal. Such financial companiesUnfortunately, the minimum annual percentage. But they provide the most affordable reliability of preserving their investments. As for credit programs, the answer is not so unequivocal: each bank has its advantages or minuses. In this question, it all depends on the type of loan and the term for which it is taken.