The most reliable bank in Russia. Rating of banks
Choose the most reliable bank in Russia forthe implementation of a deposit, the processing of a loan or other purposes is the primary task of most potential customers. How to choose an organization? Is there a list of the most reliable banks in Russia, by what parameters is it determined? All these issues are of interest to citizens who plan to take advantage of the proposals of such organizations.
The notion of reliability
Before questioning whichreliable bank of Russia, you should familiarize yourself with the direct definition of reliability. Under reliability, it is customary to understand the ability of an organization to enforce its obligations towards its customers in a timely manner. These factors include a variety of criteria - from the necessary documentation to the rating of a particular organization. Reliability may be indicated by payments on time, for example, on deposits. In addition, the provision of suitable conditions for customers is an essential criterion for the stability of the banking organization.
It should be noted that if the history of the bank in Russia has a long gap, then such an indicator is rightfully considered to be the most important proof of its reliability.
Thus, considering all the criteria, the organization can be confidently called the most reliable bank in Russia.
As mentioned earlier, reliability criteria caninclude several indicators. In particular, licenses for the right to carry out activities in this area are one of the important factors that have significance, but not the only one.
When forming a reliability rating,and other, not less significant, criteria, for example, such as liquidity indicator, sufficient capital, a suitable refinancing rate, the level of risks in assets, profitability and others.
What does the rating of banks mean?
Ratings are always of special interestcitizens. Before determining which bank in Russia is the most reliable, it is necessary to clarify the essence of the term "rating". By this word (from English rating) means the order, evaluation, classification of a particular object or subject according to the established scale. This is an assessment of the work of the institution on the basis of its performance. The rating is determined by the criteria that were analyzed.
A special general reliability evaluation systembanks in the world practice does not exist, because there are significant differences and, accordingly, the requirements for their activities. A financial institution can be considered reliable in the presence of sufficient fixed capital, liquidity balance, solvency and meeting the necessary requirements for the quality of capital, as well as carrying out activities in accordance with legislative norms. Score for this method is used in determining the rating of a particular bank for a combination of factors. These kinds of ratings give an opportunity to observe the work of the institution inside and on the part of the monitoring organizations. The most reliable bank in Russia, based on them - the one that scored the most points.
Who performs the rating
Of course, not all organizations have the opportunity to draw up the appropriate classification of banks. This work is carried out, as a rule, by independent institutions,
specializing in this field: Mass media, various associations (for example, journalists), informal entities (which have the right to evaluate for a particular category), special rating agencies and others.
Later, after carrying out all appraisal activity, the relevant results of the work done are shown publicly in the form of an evaluation or sorting of participants (1st place, 2nd place, etc.).
Types of ratings
Nominations in ratings can be varied - from standard stereotyped to rather unusual, and everything depends, first of all, on the objectives of the event and the audience.
In the case of the Russian Federation, the rating of the most reliable banks in Russia is compiled according to certain criteria. Common types are:
- on assets;
- on deposits of individuals. persons (taking into account the total amount of customer deposits);
- for loans to individuals (accounting for the total amount of loans);
- Consumer (takes into account the level of trust of the direct clients of the organization).
TOP-10 banks by reliability criteria
Who is the leader? If we consider the 10 most reliable banks in Russia by all criteria, then we can confidently identify the following organizations that have been steadily carrying out their activities for more than a year and enjoy the authority not only of citizens but also have all the necessary licenses and documents in accordance with the law:
- Savings Bank of the Russian Federation.
- "VTB 24"
- "Bank of Moscow".
- "Alfa Bank".
Now it is not difficult to choose the most reliable bank in Russia.