Many people today use the services of banks. Almost every second person. Some simply receive a salary on the card, while others store money in their accounts. In any case, you need to know good banks. Because there are a lot of names of financial organizations, but not everyone can be trusted. Well, the most reliable banks are worth a list.
Eternal leader
Naturally, in the first place is Sberbank. This is not surprising. If you believe the data of the Central Bank for November 2016, the amount of its assets is almost 22.3 billion rubles.
This organization offers its customers a lot of services. It provides consumer and non-targeted loans, a military mortgage, offers debit and credit cards (even for teenagers from 14 years old) and, of course, accounts. The issue of reliability is usually interested in those people who want to make a contribution. Well, Sberbank offers some good suggestions. Take, for example, the “Save” contribution. If a person puts a million rubles into his account, then in a year he will accumulate “from above” another 64,000 rubles. The interest at the banks is different, and in this case the rate is 6.43% per annum.
VTB Bank of Moscow
This financial institution is in second place in the ranking of the Central Bank of the Russian Federation. The amount of its assets is more than 9,425,000,000 rubles.
Why do many people think of VTB when it comes to good banks? Perhaps because they also offer good conditions. Take, for example, the same investment. Moscow VTB offers the Seasonal contribution. The minimum contribution amount should be 100,000 p. It opens for 400 days. For the first period (100 days), interest is accrued at a 10 percent rate. And then - 7.5% each. On average, the interest rate will be 8.125% per annum. It turns out that if a person makes a contribution for 1 000 000 rubles for 400 days, then at the end of the period the net profit will be 81 250 rubles
And the mortgage seems very profitable. The rate is from 11.15% under the program with state support, the contribution is from 15% including maternal capital.
Gazprombank
Talking about good banks, you can not forget about this organization. According to statistics from the Central Bank of the Russian Federation, it takes third place in the ranking.
Gazprombank was established 26 years ago. This is one of the largest universal credit organizations in the whole country. It offers a range of banking, investment and financial products. Gazprombank is trusted by large companies, corporations, investors and individuals. The amount of assets exceeds 5.2 billion rubles. And in terms of equity, this bank is one of the three most successful in all of Eastern and Central Europe.
The customer base of Gazprombank includes more than 4,000,000 individuals. And almost 45,000 different enterprises. Gazprombank has 33 branches, 500 operational offices, as well as 7 dependent and subsidiary banks, both in the Russian Federation and abroad. This data directly indicates the reliability of the organization. It is not surprising that it always includes the rating of banks in its list.
"VTB 24"
Listing good banks, one can not help but say a few words about VTB 24. The amount of assets exceeds 3.2 billion rubles. There is "VTB 24" for 12 years. It was founded on the basis of Guta Bank, which was purchased by Vneshtorgbank. The new organization began to grow rapidly, and by 2007, 125 service offices were opened in Russia.
Above, such a topic as interest in banks was briefly noted by attention. Well, at VTB 24, the stakes are pretty good too. If you open the “Profitable” deposit for a year by depositing a million rubles on your account, then by the end of the term, almost 75,000 rubles will accumulate in percent. If you increase the period to two years, the profit will be 134,000 p.
VTB 24 also offers car loans, mortgages, cash loans and many other services that are available in other large financial organizations.
Otkrytie FC
This financial corporation is also included in the rating of banks famous for their reliability. The amount of assets is almost 3,160,000,000 rubles. This organization is primarily involved in the comprehensive servicing of corporate clients. Otkrytie has 7 branches and more than 700 offices in 50 regions of the Russian Federation. The bank's services are used by 3,000,000 individuals, 140,000 small businesses and about 20,000 corporate clients.
Corporate, mortgage and consumer lending - this is what Otkritie Bank mainly deals with.
What about deposits? "Discovery" offers several options. The most favorable interest rate is 8.85% per annum. So, having invested a million rubles a year, in the end you can get 88 500 rubles. net profit.
Russian Agricultural Bank
Considering the rating lists, which included the best banks in terms of reliability, one cannot fail to note this organization. The amount of assets is 2.7 billion rubles.
The Agricultural Bank was opened in 2000, and at the initiative of the government. His main profile is lending and financing of enterprises engaged in agricultural activities. The bank’s strategy is to provide affordable and high-quality satisfaction to the needs of these organizations. The Rosselkhoz also develops its retail business — accepts deposits, lends to individuals, issues cards and provides cash management services. He also has the Amur Tiger program, which everyone can subscribe to. You just need to draw up an appropriate contribution or card. The bank gives part of its profits from customers under the program to the Amur Tiger Conservation Fund.
You can trust the organization, since the branch network has 78 units, about 1,100 offices and 120 operational points.
"Alfa Bank"
Finally, a few words about this organization. It is one of the largest private banks in the Russian Federation. Approved it in 1990. Initially, it was an LLC, but then, in 1991, the Bank was issued a license from the Central Bank of the Russian Federation. And now Alfa-Bank’s assets exceed 2.3 billion rubles. By the way, the currency in the banks that were listed above is not one. Deposits, loans and deposits can be made in dollars, but also in euros, pounds, Swiss francs, etc. Alpha is no exception. The organization received a currency license in 1992. The bank developed rapidly and dynamically, in 1996 it already joined the international systems SWIFT, Visa International and MasterCard. By the way, it was Alfa that became the first Russian organization to issue Eurobonds. Today, this bank is trusted by millions of people. And this is better confirmation of its reliability.
In general, in which bank to apply for services - everyone decides individually. Most importantly, there is plenty to choose from.
