Which bank in Belarus is considered better. Rating of the best banks in Belarus in terms of placement of personal funds

17.04.2019

We will tell you which bank is better in Belarus in terms of deposits and other indicators.

The National Bank of Belarus shared interesting information on income at the beginning of the year financial institutions and presented the best banks in Belarus. On this moment the situation has not changed, so we share useful statistics.

At the beginning of the year, the total amount of customer funds in 24 Belarusian banks amounted to BYN 44 511 826 000. Most best bank Belarus for attracting client funds - Belarusbank. The second place winner is Belagroprombank. Almost half of the total cash flow comes from these two titans!

The last place is occupied by TK Bank CJSC. However, it impresses with annual growth. Compared to 2018, his deposit performance increased by 167.4%!

Rating of the best banks in Belarus in terms of placement of personal funds

• Belarusbank.
• Belagroprombank.
• Priorbank.
• Belinvestbank.
• Belgazprombank.
• BPS-Sberbank.
• Bank BelVEB.
• Alfa Bank.
• Bank VTB.

Comparative information:

As for bank losses, Absolutbank occupies the top line in the rating. Its performance compared to the previous year decreased by 30%. Bank BelVEB and Belgazprombank reduced the amount of money supply. Other depositors increased this parameter to a greater or lesser extent.

In general, it can be noted that people have become more willing to trust own funds banks. Today, financial institutions offer a huge number of offers for deposits, both short and long term.

Studying the best banks in Belarus to save your savings, pay attention not only to quantitative indicators, but also to offers and conditions. Then you will choose the best option for yourself.

As of July 1, 2019, there were 24 operating banks in Belarus and the Development Bank, which is a special type of financial institution. In the first half of this year, all commercial banks and BRRB were profitable.

Belarusian banks are extremely heterogeneous in terms of capital and assets. As of the last reporting date, the largest bank differed from the smallest one 94 times in terms of capital and 302 times in terms of assets.

In the conditions described, it is impossible to measure the effectiveness of the bank without adjusting for different scales of activity. After all, as a rule, the profit of the same Belarusbank will be obviously large, and the profit of Zepter Bank will be relatively small.

To remove some of the distortions associated with the size of banks, return on assets and equity helps. Return on assets is the ratio of the bank's profit and its average assets over a certain period of time, return on equity is the ratio of profit and capital.

In the first half of the year, the average return on assets for 24 operating banks amounted to 0.77%, return on equity - 5.18%. Compared to 2018, these figures remained virtually unchanged.

First place in the system in terms of return on assets (4.62%) and ninth in terms of return on equity (5.12%) was taken by TK Bank. This is a Belarusian bank with Iranian capital. In April, the NBRB extended the ban for TC Bank on attracting deposits from individuals.

MTBank ranked second in terms of return on assets (2.59%) and first in terms of return on equity (16.60%). According to the sum of places in the rating, this private bank can be called the most efficient in the system.

Priorbank ranked third in terms of return on assets (1.80%) and second in terms of return on equity (11.22%). The block of shares in Priorbank cannot sell the State Property Committee in any way. In the first half of 2019, Priorbank received an inspection from the NBRB.

The last two places in terms of return on assets and equity were occupied by Paritetbank (0.23% and 0.95%) and Zepter Bank (0.08% and 0.24%). In July, Zepter Bank was to begin an inspection by the regulator's specialists.

In total, compared to 2018, 10 out of 24 banks increased their return on assets, 11 out of 24 banks increased their return on equity. Return on assets fell against the backdrop of an increase in the return on equity of BTA Bank.

The most powerful growth in profitability indicators in percentage points was noted by TC Bank. The reason is simple – 9x profit growth by 2018. The outsiders in terms of profitability dynamics in 2019 were VTB Bank (Belarus) and StatusBank.

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Bank rating is a ranking financial institutions according to several criteria. The assessment is based on the study and analysis of information about each financial company operating in the territory of the Republic of Belarus. A high indicator indicates the reliability, stability and solvency of the enterprise.

• minimum level interest rate;
• average interest rate on credit products;
• list required documents to apply;
• speed of response and processing of the application;
• the probability of approval of the request;
• the number of loans issued;
• work stability;
• consumer confidence.

Various ratings of banks in Belarus

Against the backdrop of many loan offers, it is important to choose Better conditions by contacting reliable company. The analysis of statistics by financial specialists and the formation of a rating of banks in Belarus allows everyone to freely get acquainted with statistics. The formation takes place on the basis of research by independent experts, which allows us to draw objective conclusions about the financial institutions of Belarus.

We compared the results of the work of all operating banks in the country in terms of performance indicators. It turned out that there is a whole gulf between the leaders and the losers of the rating.

To begin with, we note that measuring the efficiency of banks only by the amount of their profits is complete nonsense. Banks in Belarus differ greatly from each other in terms of assets and capital. Accordingly, the profits of banks, as a rule, will differ simply because of their size. The logic here is simple: in theory, you can earn more profit on large assets and capital than on small ones.

The largest bank in the country as of January 1, 2018 was Belarusbank. The volume of assets of Belarusbank exceeded the assets of any other bank at times. The smallest bank in Belarus at the beginning of 2018 was StatusBank. Its assets were less than the assets of Belarusbank by 281 times.

With regard to bank capital, the layout at the turn of 2017 and 2018 was similar. Belarusbank was at least twice as large as any other bank in the country. The capital of Belarusbank exceeded the capital of the smallest Zepter Bank 98 times.

With such disproportions in the distribution of capital and assets, it would be absurd to draw any conclusions about the efficiency of banks only from profit. To determine which of the banks is the most efficient and which is the inefficient, it is better to use relative rather than absolute indicators. The list of such indicators includes return on assets and capital.

The return on a bank's assets is the ratio of its profit over a period of time to the average value of assets over the same period. Return on equity is the ratio of profit to capital. The capital of the bank includes its own money, but the assets can be not only the bank's own funds, but also borrowed funds.

The average return on assets of 24 operating banks for 2017 was 1.38%, return on equity was 9.58%. In addition to commercial banks, the NBRB has recently been reporting to the Development Bank. Its performance in 2017 was above the system average (ROA of 3.29% and equity of 11.20%).

The most efficient bank in Belarus in terms of return on assets in 2017 was Priorbank. The return on assets of this bank last year amounted to 6.39%, return on equity - 34.19%.

The second place in terms of return on assets (5.26%), but the first in terms of return on equity (41.46%) in 2017 was taken by MTBank. MTBank is the country's largest private bank: the larger banks are either state-owned or foreign.

In third place in terms of return on equity (31.52%) and fifth in terms of return on assets (3.84%) was Alfa Bank. The Belarusian Alfa-Bank is a "daughter" of the eponymous largest private bank in Russia.

The last three places in terms of return on assets and capital in 2017 were taken by Belagroprombank(0.23% and 1.43%), Zepter Bank(0.21% and 0.55%) and Bank "Resolution"(0.14% and 0.44%).

The quality of the assets of the state-owned Belagroprombank remains low even after some of them were transferred to a special agency. The reason for this is the bank's past focus on concessional lending to the agro-industrial complex.

Bank "Resolution" (former Trustbank) in 2016 was generally unprofitable. Therefore, reaching a positive profitability is a kind of success for this bank.

Zepter Bank has consistently high operating costs for its size. Every year, operating expenses eat up most of this bank's profits.

Finance TUT.BY provides all the necessary information about all Belarusian banks. In this section you will find full list banks, their addresses on the map, operating modes and schedules, phone numbers of contact centers and specific branches, links to official websites of banks and Internet banks, as well as download mobile applications. The pages of banks provide basic information about activities, priority areas and financial stability. Find out the necessary information about the National Bank of the Republic of Belarus, which is the central bank and government agency RB.

The section contains all necessary information O banking products: loans, deposits, cards, products for business. They provide current rates, commissions and conditions.

A complete list of branches and exchange offices, ATMs and information kiosks. All the necessary data: addresses, telephones, working hours, services, exchange rates. Search on the map and filter will help you quickly find the necessary banking point.

In addition, here you can leave a review and evaluate the work of the bank.

Also look for the nearest branches and ATMs in the application