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Rating of Russian banks 2022 in terms of reliability

Bank of Russia


The rating of Russian banks in terms of reliability for 2022 is based on the latest data from the reporting of Russian credit institutions on forms 101, 123 and 135, published on TSB RF:

  • Net assets,
  • issued loans,
  • deposits.
PlaceName of the bankNet assets, 02.2022, million rublesDynamics year %
4National Clearing Center608845236724.87
7Credit Bank of Moscow348328482016.18
8Bank opening331456680215.83
13Tinkoff Bank128816905546.78
14UniCredit Bank1220939984-6.25
15All-Russian Bank for the Development of Regions120983851321.29
17Bank DOM.RF92819332564.54
18Bank "Saint-Petersburg"8142945835.48
19SMP Bank73272023332.65
22AK Bars6684709444.55
24Uralsib Bank547384831-1.15
25Post Bank5415349630.09
26Moscow Regional Bank49203050419.52
29Moscow Industrial Bank324690826-19.01
30Ural Bank for Reconstruction and Development31539216819.67
31Home Credit Bank30785542430.72
32MTS Bank30126314326.58
33National Settlement Depository297155032-15.29
34Russian standard294887944-6.26
35Bank Zenith26241714012.51
36Absolut Bank259044824-4.36
40Setelem Bank18105611112.85
43OTP Bank1619095571.25
44Renaissance Credit157960030-2.3
45RGS Bank15788756867.13
47Tauride Bank15126749217.75
51Asia Pacific Bank137902873-3.98
53Credit Europe Bank1334083444.83
54Kuban Credit1298489697
55Deutsche Bank12796290518.43
58RN Bank1171352153.91
59East Bank116200841-51.21
60SME Bank112737968-29.85
61Finservice Bank111646219-1.95
62ING Bank111630269-19.33
63BBR Bank106013698-9.29
65Bank of China10163844732.85
66Sumitomo Mitsui Rus Bank10135097332.59
67Intesa Bank9514597121.55
69ICBC Bank9386264716.94
70M-U-F-G Bank (Eurasia)9276137314.05
72HSBC Bank (HSBC)893961348.81
74Mizuho Bank87465664-0.58
75Metkombank (Kamensk-Uralsky)8678437216.04
76Payment Center8230862716.68
79Toyota Bank794051964.57
81International Financial Club7226099531.39
82BCS Bank710515821.28
83BMW Bank6943493634.05
84Commerzbank (Eurasia)67100565-15.16
88BNP Paribas Bank6495337114.79
91SEB Bank57670771-22.41
93United Capital5710088410.12
94Qiwi Bank50687143-6.24
95Credit Agricole CIB48950391-14.78
96J.P. Morgan Bank4783220113.89
97Far Eastern Bank459895726.33
98KEB HNB Bank45774478-23.29
99Petersburg Social Commercial Bank4505074414.29

  •  Which bank is better to choose for loans and deposits? A good bank should provide its customers with access to a large number of branches and ATMs, have convenient Internet banking, and also offer a large number of profitable loans and deposits.

  •  Positive feedback from customers about a particular bank is also very important, but even more important is the trust of the Central Bank. Therefore, we have compiled a rating of Russian banks for you in 2022, focusing on the data of the Central Bank.

Credit rating of banks "Expert RA"

Name of the bankRatingUpdateForecast
Bank VTB (PJSC)ruAAA2021-05-13 00:00:00Stable
PJSC ROSBANKruAAA2021-05-19 00:00:00Stable
JSC UNICREDIT BANKruAAA2021-05-20 00:00:00Stable
JSC RAIFFEISENBANKruAAA2021-03-23 00:00:00Stable
PJSC "PROMSVYAZBANK"ruAA+2021-07-22 00:00:00Stable
ALFA-BANK JSCruAA+2021-04-29 00:00:00Stable
BANK GPB (JSC)ruAA+2021-06-16 00:00:00Stable
JSC ROSEXIMBANKruAA2021-10-06 00:00:00Stable
VBRR BANK (JSC)ruAA2021-09-21 00:00:00Stable
ICBC BANK (JSC)ruAA2021-04-23 00:00:00Stable
PJSC SOVCOMBANKruAA2022-02-09 00:00:00Stable
PJSC BANK "FC OTKRITIE"ruAA2021-05-31 00:00:00Stable
JSC JSB RUSSIAruAA2022-02-01 00:00:00Stable
JSCB "BANK OF CHINA" (JSC)ruAA2021-06-04 00:00:00Stable
JSC BANK DOM.RFruAA-2021-10-15 00:00:00Stable
PJSC CREDIT BANK OF MOSCOWruA+2021-10-08 00:00:00Stable
RNKB BANK (PJSC)ruA+2022-01-21 00:00:00Stable
JSC BANK "SNGB"ruA+2021-03-17 00:00:00Stable
JSC "TINKOFF BANK"ruA+2021-11-17 00:00:00Positive
JSC BANK INTEZAruA+2021-07-22 00:00:00Stable
JSCB "NOVIKOMBANK"ruA2021-09-30 00:00:00Stable
PJSC CHELINDBANKruA2021-10-20 00:00:00Stable
PJSC "BANK" SAINT-PETERSBURG"ruA2021-08-17 00:00:00Stable
JSC "SMP BANK"ruA2021-12-28 00:00:00Stable
BANK "RESO CREDIT" (JSC)ruA2021-11-29 00:00:00Stable
PJSC "CHELYABINVESTBANK"ruA2022-01-24 00:00:00Stable
JSC "OTP BANK"ruA2021-06-11 00:00:00Stable
BANK KUB (JSC)ruA2021-04-30 00:00:00Stable
BANK "LEVOBEREZHNY" (PJSC)ruA-2021-10-22 00:00:00Stable
JSC "BM-BANK"ruA-2021-11-08 00:00:00Stable
EXPOBANK JSCruA-2021-05-06 00:00:00Positive
SDM-BANK (PJSC)ruA-2021-07-13 00:00:00Stable
JSC MS BANK RUSruA-2021-09-30 00:00:00Stable
OOO HKF BANKruA-2021-06-11 00:00:00Stable
PJSC "AK BARS" BANKruA-2021-03-23 00:00:00Stable
JSC BANK SGBruA-2021-09-29 00:00:00Stable
PJSC "BEST EFFORTS BANK"ruA-2022-02-08 00:00:00Positive
PJSC BANK ZENITruA-2021-11-26 00:00:00Stable
PJSC MTS-BANKruA-2021-03-19 00:00:00Stable
JSC "BCS BANK"ruA-2021-11-26 00:00:00Stable
JSC "BANK ACCEPT"ruBBB+2021-07-28 00:00:00Stable
BANK NFC (JSC)ruBBB+2021-08-17 00:00:00Stable
PJSC "RGS BANK"ruBBB+2021-09-22 00:00:00Positive
PJSC SKB PRIMORYE "PRIMSOTSBANK"ruBBB+2021-04-28 00:00:00Positive
PJSC "NBD-BANK"ruBBB+2021-10-29 00:00:00Stable
"ZIRAAT BANK (MOSCOW)" (JSC)ruBBB2021-09-10 00:00:00Stable
JSC CB "RUSNARBANK"ruBBB2021-06-08 00:00:00Stable
JSC CB "KHLYNOV"ruBBB2021-12-02 00:00:00Stable
JSCB ABSOLUT BANK (PJSC)ruBBB2021-04-28 00:00:00Stable
JSC "BANK FINSERVICE"ruBBB-2022-01-14 00:00:00Stable
BLANK BANK LLCruBBB-2021-06-08 00:00:00Stable
PJSC "METCOMBANK"ruBBB-2021-03-09 00:00:00Stable
TKB BANK PJSCruBBB-2021-12-24 00:00:00Stable
JSC "FAR EAST BANK"ruBBB-2021-08-26 00:00:00Stable
CB ENERGOTRANSBANK (JSC)ruBBB-2021-12-16 00:00:00Developing
JSC "TATSOTSBANK"ruBBB-2021-05-20 00:00:00Stable
J&T BANK (JSC)ruBBB-2021-04-15 00:00:00Stable
JSCB "PERESVET" (PJSC)ruBBB-2021-07-29 00:00:00Stable
JSC CB URAL FDruBBB-2021-12-17 00:00:00Stable
JSC BANK "NATIONAL STANDARD"ruBB+2021-08-24 00:00:00Stable
JSCB "CENTROCREDIT"ruBB+2022-02-09 00:00:00Stable
SIBSOTSBANK LLCruBB+2021-03-09 00:00:00Stable
PJSC "BANK" EKATERINBURG "ruBB+2021-04-29 00:00:00Stable
JSC UKB "BELGORODSOTSBANK"ruBB+2021-10-28 00:00:00Stable
JSCB "VORSHTADT" (JSC)ruBB+2021-03-05 00:00:00Stable
PJSC "NIKO-BANK"ruBB+2021-04-14 00:00:00Stable
JSC BANK "PSKB"ruBB+2021-07-01 00:00:00Positive
JSC RFC-BANKruBB+2022-01-28 00:00:00Stable
JSCB "EVROFINANCE MOSNARBANK"ruBB+2021-05-28 00:00:00Stable
JSC "BANK ORENBURG"ruBB+2021-11-01 00:00:00Stable
JSC "MB BANK"ruBB+2021-04-30 00:00:00Stable
JSC "VLADBINESSBANK"ruBB+2021-04-30 00:00:00Stable
JSC "UGLEMETBANK"ruBB2022-01-27 00:00:00Stable
JSC BANK UNITED CAPITALruBB2022-01-24 00:00:00Stable
LLC KHAKASS MUNICIPAL BANKruBB2021-07-01 00:00:00Stable
BANK IBA-MOSCOW LLCruBB2022-02-03 00:00:00Stable
INBANK LLCruBB2022-02-09 00:00:00Negative
LLC "ATB" BANKruBB2021-07-01 00:00:00Developing
JSC "KUZNETSKBUSINESSBANK"ruBB2021-11-16 00:00:00Stable
RUSUNIVERSALBANK (LLC)ruBB2021-12-29 00:00:00Stable
PJSC "BYSTROBANK"ruBB2021-03-24 00:00:00Stable
PRIO-VNESHTORGBANK (PJSC)ruBB2021-07-23 00:00:00Negative
JSCB ALMAZERGIENBANK JSCruBB2021-10-22 00:00:00Stable
"BRATHY ANKB" JSCruBB2021-12-01 00:00:00Negative
JSC NOKSSBANKruBB2021-09-10 00:00:00Stable
JSC BANK RUSSIAN STANDARDrubb-2021-04-22 00:00:00Stable
JSC DATABANKrubb-2022-01-25 00:00:00Stable
JSC "MOSCOMBANK"rubb-2021-11-15 00:00:00Stable
LLC CB "ALTAIKAPITALBANK"rubb-2021-10-25 00:00:00Stable
LLC "KAMKOMBANK"rubb-2021-08-24 00:00:00Stable
LLC CB "ARESBANK"rubb-2021-04-02 00:00:00Stable
LLC BANK "ELITA"rub+2021-12-02 00:00:00Stable
PJSC "SKB-BANK"rub+2021-05-21 00:00:00Developing
JSC "GUTA-BANK"rub+2021-09-24 00:00:00Stable
JSC CB "AGROPROMCREDIT"rub+2021-09-21 00:00:00Stable
JSC FIRST INVESTMENT BANKrub+2021-09-16 00:00:00Stable
"NORTH PEOPLE'S BANK" (JSC)rub+2021-07-05 00:00:00Negative
LLC CB VNESHFINBANKrub+2021-08-25 00:00:00Stable
JSC BANK "MOSCOW-CITY"rub+2021-11-25 00:00:00Stable
  • ruAAA – The highest level of creditworthiness/financial soundness/financial stability.
  • ruAA+ – High level of stability.
  • ruA+ – Moderately high level of stability.
  • ruBBB+ – Moderate level of financial stability.
  • ruBB+ – Moderately low creditworthiness. Sensitivity to changes in economic conditions.
  • rub+ – Low level of creditworthiness. It remains possible to fulfill financial obligations, but the margin of safety is limited.
  • ruCCC – Very low level of reliability. Significant probability of non-fulfillment of financial obligations.

Top 10 banks in terms of reliability today

10. Raiffeisenbank


  •  The top 10 banks in 2023 are opened by a subsidiary of the Austrian Raiffeisen Bank International. Over the past year, Raiffeisenbank's net assets increased by 4,54% to 1,6 trillion rubles. This is the best result in the top ten rankings to date.

  •  Net assets (they are also net assets) are a “litmus test” of financial stability and success. This is the real value of the property that will remain with the company after the repayment of all debt obligations. Changes in net assets can be used to judge whether a financial institution pays its debts, including the return of money to depositors.

  •  And Raiffeisenbank is one of 16 Russian banks that provide mortgage programs to the self-employed, and without restrictions and premiums on rates.

9. Sovcombank


  •  Although the increase in net assets for the year at Sovcombank is less than that of the 10th place in the rating, their total figure is also higher – 2 trillion rubles.

  •  Sovcombank is one of the most environmentally friendly in the ranking, it recently joined the UN Climate Neutral Now initiative, and now it will annually report on greenhouse gas emissions, as well as look for ways to reduce them.

  •  In addition to the environment, Sovcombank is concerned about such things as biometrics and support for small and medium-sized businesses.

  •  Along with VTB and Post Bank, he supports an initiative to expand remote services (such as opening accounts and issuing loans) using self-registered biometric data.

  •  Sovcombank is one of the partners of a unique Russian service for applying for a loan in the amount of up to 10 million rubles simultaneously to several credit institutions. This program operates on the basis of the Digital Platform for Small and Medium Enterprises.

8. Bank Opening

Bank opening

  •  In last year's top 100 banks, Otkritie was ranked seventh, but at the beginning of 2022 it “slid down” to a position down. The reason for this is a slight decrease in the size of net assets (by 0,83%), to 3,3 trillion rubles.

  •  But in terms of foreign currency deposits, Otkritie is one of the best banks, their yield increased to 0,7% per annum.

  •  In 2021, Otkritie entered the top 5 best banking institutions for wealthy clients according to Forbes.

  •  Also, this financial institution is one of the backbone credit institutions according to the Central Bank. And he is actively involved not only in financial matters. Together with Sberbank and VEB.RF, Otkritie sponsors the construction of a unique enterprise — a full-cycle electric steel-smelting complex using the latest green technologies.

7. Moscow Credit Bank

Credit Bank of Moscow

  •  The seventh line in the rating of banks today is occupied by IBC, whose main direction is lending to large businesses. However, this financial institution is also interested in other legal entities, as well as in private clients, to whom it offers many profitable services, such as credit and debit cards with cashback and income on the balance.

  •  And although MKB has a small number of branches (200), as well as the number of ATMs (853), this does not prevent MKB from being among the largest banks in terms of assets and capital. In 2021-beginning of 2023, its net assets increased by 4,48%, to 3,4 million rubles.

6. Rosselkhozbank


  •  Every year Rosselkhozbank ranks among the top 10 most reliable banks. Over the past year, it added both net assets (+2,56%) to 4,2 trillion rubles, and the volume of deposits of individuals (+2,23%), while net profit increased immediately by 70,74%, to 6,5, 2,2 billion rubles against 2020 billion in XNUMX.

  •  The basis of the activity of this financial organization is lending to the Russian agro-industrial complex. However, Rosselkhozbank does not forget about ordinary people either.

  •  He recently pleased his clients of retirement age by raising the rate on the Pension Card to 7%. He also surprised me with innovative Visa cards, made in the form of a key fob, and having all the features of ordinary bank cards. Such a keychain can be attached to a bunch of keys, it does not need to be recharged.

5. Alfa-Bank


  •  At the end of 2021, Alfa-Bank's net assets decreased slightly, by 0,40% to 5,7 trillion rubles. On the other hand, the deposits of individuals increased significantly (9,50%, to 1,8 trillion rubles) and net profit (+7,21%, to 133 billion rubles), according to these indicators, it ranks third.

  •  The bank has sufficient creditworthiness (BBB-) and a stable long-term outlook according to Standard & Poor's.

  •  Alfa-Bank offers its customers not only deposits, credit and debit cards, but also more innovative services, such as updating passport data in a banking application.

4. National Clearing Center

National Clearing Center

  •  This non-banking credit institution showed "negative growth" in net assets – by 2,12%, to $6 trillion. And, despite this, it remains in 4th place in the ranking, like a year ago.

  •  NCC guarantees the reliability of trading on the Moscow Exchange, acting as a Central Counterparty. And even though NCC cannot be called the most reliable for deposits, but only because it does not work with individuals.

3. Gazprombank


  •  If we talk about which bank is better in terms of the profitability of deposits, then this is Gazprombank. In 2022, it offers several profitable options with an effective rate of up to 10,50%.

  •  This is not the first time Gazprombank has taken the third place in the rating by assets. As a result, it showed an increase of 1,66%, to 8,6 trillion rubles.

  •  Being one of the systemically important banks of the Russian Federation in 2022 in the list of the Central Bank, Gazprombank is actively involved in the development of regions. So, he plans to build a 60 km long road around Omsk and a deep-water port on Sakhalin.

2. VTB

VTB Bank is a backbone bank of the Russian Federation

  •  If in terms of net assets (19 trillion rubles) VTB is inferior to Sberbank, then in terms of advertising costs (23 billion rubles) it is the undisputed leader in 2023.

  •  This financial institution, consistently included in the list of the largest banks, is a leader in the lending field; at the beginning of 2023, its retail loan portfolio grew to 4,7 trillion rubles, with most of it being mortgages. The bank even launched such a service as the purchase of parking spaces and storage rooms on a mortgage; it operates in all regions of VTB's presence.

  •  And according to UsabilityLab, the VTB Online mobile application is one of the most accessible and convenient Internet banks for individuals. It works fast, stable, the most important operations can be performed in a couple of clicks. And some services are available to users even during preventive maintenance.

1. Sberbank

Sberbank is the best bank 2022

  •  The top Russian banks in terms of reliability in 2023 are opened by the largest universal financial institution and Eastern Europe. The popularity of Sberbank among Russians is even evidenced by the fact that scammers who swindle savings from gullible people usually present themselves as "Sberbank's security service." Although they do not disdain the names of other credit institutions from the top ten list of the Central Bank.

  •  An impressive net asset value of 2022 trillion rubles helped Sberbank to take the first place in the reliability rating of Russian banks in 38, even if it decreased slightly (0,47%) compared to the previous reporting period.

  •  In 2022, Sber has new services:

  1. Citizens of the Russian Federation receive credit cards free of charge.
  2. Users can monitor the banking transactions of their relatives to protect them from fraud.
  3. Various transactions (for example, to conclude a rental agreement or give someone a loan) can be concluded directly in the mobile application. You will have to pay 1% of the contract amount for this, but Sberbank will check all participants in the transaction to guarantee the safety of its implementation.

  •  Sber is the leader not only in terms of net assets, but also in terms of the number of ATMs and additional offices. The first has 70,4 thousand units, the second – 13 thousand. And this is despite their active reduction in 2020-2021 due to business digitalization and cost optimization.