basis banking system Russia is the Central Bank. Its main function is to issue national currency, issuing licenses to commercial organizations, regulating the activities of the entire banking system of the country, which includes commercial, state banks, non-bank credit and financial organizations. The bank becomes state-owned by decision of the government or upon its establishment, by redeeming shares of capital or by appointing an interim manager during the reorganization of the bankruptcy procedure.

What is a state bank

A state-owned bank is one in which more than half of the capital is owned by the state or government agencies. Such state structures include the Central Bank of Russia, the Federal Property Management Agency or others. Their share in the share capital shows the degree of influence of the state directly on the terms of the offered loans and deposits, the level of commissions for transactions, the list of state social programs. According to the decision of the government on privatization, state-owned banks may become non-state.

Through state-owned banks, the Government of the Russian Federation finances large and important projects. Lending to commercial structures is carried out through state banking structures. Individuals, entrepreneurs, large businesses, when choosing a settlement and credit organization, prefer state-owned banks, because they understand the high security of their deposits, Money on current accounts. Their shares are more in demand on stock market, since the state, in order to confirm its effectiveness, is interested in maintaining their cost.

Banks with state participation

There are more than 50 banks in Russia with state participation. Banking structures with a state share of more than 50% include:

• Sberbank of Russia - 52.32% owned by the Central Bank, this is the answer to the question of most citizens whether Sberbank is a state-owned bank;
• VTB - 60.93% owned by the Russian Government represented by federal agency management state property(Rosimushchestvo);
• Rosselkhozbank - 100% from the Federal Property Management Agency;
• MSPbank - 100% controlled by the Russian Federation (Rosimushchestvo);
• Post-Bank - 50.00002% owned by VTB24.

State share

A banking structure in which the state owns 100% of the capital is a fully state-owned or state-owned bank. All other banks are commercial with varying degrees of government participation. If this share capital begins to exceed the controlling stake of 50% + 1 share, it falls under full control the state, which has the right to fully govern financial activities jar. If 25% + 1 share belongs to the state, it receives a blocking right - the ability to veto any decision of the board of shareholders of the bank.

Method of participation of the state in the capital of the bank

All banking structures in Russia, according to the degree of state participation in their capital and the influence of the government on their activities, are divided into the following types:

1. Full influence. The Central Bank of Russia is a fully state-owned, non-commercial, operating on the basis of the Law of Russia. This type of influence includes banking structures with 100% state shares - Rosselkhozbank, Roseximbank. Vnesheconombank is wholly owned by the state. It grew out of a state corporation whose original function was to return property to Russia. Then she began to buy out stakes in commercial structures that faced difficult financial terms became one of the largest state-owned banks in the country.
2. partial influence. Banking organizations in which controlling or blocking stakes are owned by the state - Sberbank, VTB, Vnesheconombank (VEB), Gazprombank and others.
3. indirect influence. The government has the ability to influence banks indirectly through other structures. Such banking structures may include commercial, significant stakes in which are owned by foreign states and private foreign companies, but Russian state-owned banks or state-owned companies have blocking or controlling stakes. The state indirectly owns VTB24, since an impressive stake of 99% authorized capital belongs bank VTB, the controlling stake of which is held by the state.
4. in the form of control. The government has the ability to influence the activities of commercial organizations undergoing financial recovery options by appointing temporary managers.

Types of State Banks

State banks according to the degree of participation and the level of control over their activities of the Russian government are divided into:

• Fully state-owned banks, in which the controlling stake is owned by state bodies, including various subjects of the state, or administrations of municipalities. The share of the state in them always exceeds 50% of the shares.
• Banks with state participation, in which the controlling stake in the bank is not owned by the state, but at the same time the government, through various state structures, has a commercial share in the capital from 15% to 50%.

Functions of state banking institutions

Banking organizations with state participation, in addition to the implementation of standard settlement and cash, credit and deposit programs, pursue the policy of the Central Bank to provide banking services in Russia. Their functions are:

• holding a social population policy states in relation to different segments of the population;
• formation of a positive attitude of the population towards the banking system;
• financial recovery of the economy, optimal distribution of capital by industry;
• activation and capitalization monetary resources physical, legal entities;
• protection of deposits of the population through insurance (special programs);
• market formation valuable papers, stock market.

Impact on the banking services market

The state banks of Russia form the image of the country's banking system. This is especially true during periods of crisis. Commercial structures in a state of crisis curtail social programs, increase requirements for borrowers, review credit and deposit conditions, introduce additional charges and commissions. In some cases, large private banks find themselves in insolvency situations. To save the entire banking system of the country and protect depositors, nationalization is forced.

State banks of Russia during the crisis receive additional support from the state to continue social programs, stabilize interest rates on loans and mortgages. The government is making additional capital injections into controlled banks take measures to maintain the activity of the entire banking system. If the state has a 100% stake in the bank, it appoints the supreme body for managing the financial and administrative work of the entire banking structure.

Features of preferential programs with state support

For socially unprotected segments of the population, the state pursues its policy through state-owned banks. They create credit programs with moderate requirements for borrowers, a decrease in down payments, mortgage interest rates. As an example:

• For the military, schemes are offered for the preliminary accumulation of funds for mortgages at the expense of public funds.
• Pensioners receive support in the form of subsidies or partial payment percent on consumer loans at the expense of federal or municipal budgets.

Which banks in Russia are state-owned

State-owned banks with varying degrees of influence on their activities by the government of the Russian Federation are:

Efficiency of activity of state-owned banks of Russia

Crisis phenomena in the country's economy and the growth of public confidence have led to the fact that the share of state-owned banks in terms of coverage of the country's population is approaching 80%. The prospects for state-owned banks are more predictable in the event of a crisis. State-supported banks have a large number of representative offices and branches in all regions of the country. They adhere to the corporate style of external design offices, staff training rules, customer service methodology, can provide a higher quality of service.

The state, unlike the owners of commercial organizations, has access to the issuance of banknotes, the issuance of financial debt obligations, bonds. Through controlled banking structures, the government makes financial borrowings on international financial markets. Offering debentures guaranteed Russian Federation, significant funds are attracted to solve many socio-political problems.

The government redistributes money between different banks to search for and finance state-owned companies, promising projects, innovative inventive works, start-ups in promising areas Russian economy, Agriculture, construction. Official bodies authorities in different regions of the federation choose promising projects that are beneficial for certain regions, and their financing is provided by state banks.

Pros and cons of commercial banks with state support

The influence of state banks on the functioning of the country's economy is very significant. There are positives and negatives to this. The pluses include:

• greater public confidence in the reliability of deposits, deposits;
• receive support from the state in times of crisis;
• stability of conditions of credit, mortgage programs;

The cons include:

• while ensuring higher reliability, state-owned banks offer reduced deposit rates;
• higher interest rates on loans and mortgages;
• less flexibility in making decisions on lending to small businesses;
• high requirements for the provided certificates, documents.

Non-profit banks

Financial and credit institutions Those that provide services for placing deposits, issuing loans to the population, but are not banks, are called savings. These include savings banks, savings and loan associations, cooperative societies. Using equity participation housing construction in Russia. A large amount of lending is offered by microfinance credit institutions. Requirements for borrowers in terms of availability permanent income, personal documents they have less stringent, interest rates are higher.

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All credit and financial organizations operating in the Russian Federation can be divided into two large categories, public and private. If we compare in terms of the degree of trust among the population, then the popularity of private banks is lower, and this is quite understandable.

Are you interested in Russian state banks and their full list as of 2017? You can find all the information about this on the site, and if necessary, ask questions to consultants.

Private and state banks of the Russian Federation

State institutions include those institutions in which the controlling stake is owned by the state. It is accepted as a rule that this is fifty percent and one share. Such banks are considered more reliable, since the participation of the state provides them with some advantages that are not available to private ones.

The fact that a bank is state-owned does not always mean that it was originally created by government decree. Often, decisions are made to acquire a controlling stake in a private bank, which occupies a significant place in financial system, however, in this moment experiencing temporary difficulties.

Ways of State Participation

The list of banks with state participation remains virtually unchanged, and is divided into several categories.

1. By virtue of the law
2. With full participation
3. With partial participation
4. With indirect participation
5. State controlled

The first category includes the Central Bank of the Russian Federation. It was created on the basis federal laws, and he himself is the personification of the state. Vnesheconombank is in the same category.

Considering the state-owned banks of Russia, the full list of which is given below, it should be noted the second category, in which one hundred percent of the shares are owned by the state. These include the Russian Agricultural Bank, created by decree of V.V. Putin.

The next category includes institutions in which the state owns a controlling stake. These include Sberbank of Russia. Many consider this institution to be state-owned, but in reality the state only owns a controlling stake in this credit institution. At the same time, there is a bank Russian capital, in which one hundred percent of the shares are owned by the state, through the DIA.

Most simple example indirect participation is VTB24 bank, the vast majority of whose shares (99%) are owned by VTB. The share of the state in VTB itself is approximately sixty percent. Thus, its subsidiaries are owned by the state.

And considering the state banks of Russia, their complete list, attention should be paid to another category, which is of the greatest interest to citizens who have taken out a loan or placed funds on deposit in such organizations. Controlled states include organizations in which, as a result of the revocation of a license, an interim administration has been appointed. As a rule, in order to repay loans, customers are provided with new details, according to which contributions should be paid, and deposits are returned under the deposit insurance program. Amounts up to one million rubles are subject to return. Participation in such a program is mandatory for public and private banks.

List of state banks

Below is a list in descending order of state participation. It should also be noted that during 2017 it may change and be supplemented.

1. Rosselkhozbank
2. Russian capital
3. SME Bank
4. Roseximbank
5. Globexbank
6. Sviaz-bank
7. Krayinvestbank
8. All-Russian Regional Development Bank
9. AK Bars
10. Sberbank
11. Novikombank
12. Bank of Kazan
13. Gazprombank
14. Khakass Municipal Bank
15. Ruscobank
16. Bank of Moscow
17. GBP Mortgage
18. Narat
19. VTB 24
20. Postbank
21. Far Eastern Bank

It should also be noted that some of the organizations listed above do not work with individuals, but are intended to serve industry enterprises. For example, Vnesheconombank, mentioned in the article above, does not even have a license, and was created to invest in projects that are of national importance.

The NCC, which was created only for the purpose of performing the functions of a counterparty and a clearing organization, can also be classified as highly specialized.

There are banks that operate only in certain regions and work taking into account the specifics of the region. For example, there is Bashprombank, which serves the population through a single office, and has not even acquired its own Internet portal.

So, if you are interested in the state banks of Russia, their complete list in your region, it is better to ask our consultants a question by sending an application through a special form on our portal. This will make your search much easier and save you a lot of time. Use the services of specialists.

The Russian banking market is perhaps one of the few places where one can observe the entry of the state into competition with commercial organizations. At the same time, state-controlled banks occupy leading positions in the ratings, both in terms of cash flow, as well as other resources. The “state” category includes banks where government investments predominate or are significantly present in the authorized capital. Thus, the state is allowed to interfere in the activities of the banking structure, to provide it with all possible assistance. The list of unreliable banks can be found here.

List of state banks of Russia

• Sberbank - state-owned 50% + 1 share.
• Gazprombank is completely controlled by the state, as it is owned by the state company Gazprom.
• VTB - in the authorized capital 60% belongs to the state.
• Rosselkhozbank is a fully state-owned institution.
• The Bank of Moscow was previously controlled by the Moscow government, but has now been taken over by the VTB Group.
• Rosbank - has 8% of state property.

The assignee of the savings bank of the USSR, which is currently entrusted with more than 50% of the deposits of individuals. in terms of profitability and net assets This banking institution also occupies a leading position. Sberbank has created the largest network of branches and its own ATMs in the Russian Federation. Thanks to the huge stock own funds, customers are offered low mortgage interest(about 12%, the cost is determined based on the type of property being purchased). If we talk about the minuses, then it is worth noting the backwardness of Sberbank in the field of introducing innovations, although this does not prevent it from being an issuer largest number payment cards.

Through this organization financed the construction of many production facilities associated with the extraction of oil, gas and other industries important for the country's economy. The bank has advanced system representative offices, which includes not only internal representative offices, but also branches in such countries as Belarus, Switzerland and Armenia. In terms of the total amount of loans issued, Gazprombank has demonstrated impressive results - over the past year, this indicator has almost reached the level of 1.5 trillion rubles. Separately, it is worth noting an extremely profitable car loan program with an interest rate of 9-14%, which was achieved by concluding an agreement with several large manufacturers.

it financial institution specializes mainly in service corporate clients high level. The provision of retail banking services goes through the sponsored company "Bank VTB-24", focused on issuing consumer loans and payment cards, as well as deposits. The population of the Russian Federation shows a high interest in mortgage VTB program aimed at acquiring ready-made housing, obtaining loans for individual construction, and so on. The rate varies from 9 to 13%, and the first installment in the case of individual construction will be 0%.

Rosselkhozbank

It is in the top five largest financial institutions in terms of equity, has an extensive network of offices and representative offices in every region of the country. In addition, acting within the framework of the program for the development of the agro-industrial complex, it takes part in the regulation of the agricultural products market. Rosselkhozbank provides its clients with favorable lending conditions - for agricultural machinery, subsidiary plots, education and much more, and accepts pension deposits.

Mainly focused on serving the operations of the municipal authorities of the capital. Actively invests in the industry retail, is developing special loan offers. Return on investment in given bank fluctuates between seven and ten percent per annum. It all depends on the conditions that the client chooses, for example, the possibility of early withdrawal of funds or adding funds to the deposit. Program mortgage lending offers to take a loan with an interest rate of 12.5% ​​per annum for up to 25 years. An initial fee pay is not required.

It is the last on our list, since the state's participation in it is quite insignificant (82% is controlled by the French financial group Societe Generale). The Bank presents itself as a universal institution covering all major industry areas. The most tempting offer seems to be the issuance of loans to small businesses ( we are talking about credit programs developed specifically for entrepreneurship - loans with a rate of no more than 17 percent, without collateral and without a down payment).

This completes the list of state banks. I propose in this topic to discuss all the advantages of working with state banking institutions compared to commercial ones.

What people say

Banks with state participation is considered more reliable, so they give a lower percentage on deposits - for depositors this is a minus. But since their resources are cheaper, they give cheap loans This is a definite plus for borrowers.

The main advantage of public banking institutions before private ones in that in case of unforeseen complications and loss of solvency by the bank, the state can support it by providing financial assistance. In addition, since most of the banks with a significant share of state capital pass through important payments - ensuring the functioning of the economy, they simply must not be allowed to fall apart.

So, giving your money to National Bank, you will secure them, however, on high percent, as Nikolaich noted, you can not count.

One of the main criteria for a bank's reliability is the level of government support for it. Deposits in state banks individuals have full state guarantee, while in commercial deposits the deposit is insured for the amount paid by the deposit guarantee fund (it goes without saying that the bank must be a member of this fund).

All banks are insured (700K rubles). Without this, they will not be licensed.
As for state structures, their reliability is a double-edged sword. Everything that is lobbied by the state is less effective and less checked. Take the same housing and communal services - it would be commercial organization, would have been considered bankrupt long ago. Again, the level of corruption in government organizations noticeably higher.

If we talk about commercial banks, they usually have a very conservative policy regarding deposits of individuals and legal entities, unlike commercial banks, which can invest part of the money in a high-risk project, or issue a large bad loan and eventually go bankrupt.

State banks have one very important advantage over others banking structures. Namely, that the state itself is partially or fully responsible for the obligations of the bank. That is, even if the bank goes bankrupt, depositors will not lose their money. By at least so declared.

It seems to me that now, in principle, there are no state banks. There are banks in which the state invests finances. The same Sberbank is commercial bank, which is controlled Central Bank RF. I would like to believe that in the event of bankruptcy, depositors will not lose their savings.

Well, the main advantage of such banks, it seems to me, is their reliability. Let interest rates be slightly lower than in banks without state participation, but the likelihood that something will happen to such a bank is still much lower.

There are no completely state-owned banks, but there are banks with state participation. In addition to those listed above, there are also VTB 24, the Khanty-Mansiysk Bank, and another two dozen such banks.

By the way, Gelendzhik Bank, although it positioned itself as a bank with state participation, however, did not avoid serious problems and, ultimately, the revocation of its license.

It turned out that there is. Vnesheconombank and Rosselkhozbank. Fully owned by the state. Only ordinary investors they do not serve. Engage accordingly: foreign economic activity and lending to the agro-industrial complex, farmers, subsidiary farms. Incidentally, a good rate in the Russian Agricultural Bank, however, the contribution should be from 1.5 million rubles.

So these are the very banks that have been alive “since the Union”, this speaks volumes. Vneshtorgbank created VTB 24 for closer interaction with the population, lending not only to collective farms and state farms, but also ordinary, consumer and collateral, Rosselkhoz, by the way, today offers a full range of banking services for individuals, up to credit cards and car loans, when Sberbank, for example, covered the issuance of car loans. The old ones cannot be returned.

In general, it seems to me that all these banks have only the name left from the old Soviet ones, which they exploit very hard in order to create a more favorable image for themselves among the population. It is the name that has been preserved since Soviet times that is their main advantage, but otherwise these banks are exactly the same as those that arose later.

Svintus, Well, don't tell me. Gazprombank and VTB were opened in 1990, Rosbank -1993, Bank of Moscow - in 1995, Rosselkhozbank has been operating since 2000. What are the Soviet names? Sberbank was the Savings Bank under Stalin, but he also paid compensation on deposits. So the image is honestly earned. And many of those that were smaller and arose later or earlier were closed altogether. So there is a difference. She is stable. And the advantages are in the amount of assets and state guarantees.

Of the five named, I recommend Rosselkhozbank: there are very good interest on deposits, and very democratic - on mortgages. Now we are choosing a bank in order to purchase an apartment on a mortgage, we are leaning towards the “agricultural” one for now! There is not much to say about Sberbank, this is a brand that is very expensive for a client, but you always need to overpay for a brand. VTB is good at buying / selling currencies. I have a salary card at Gazprombank, but I can’t say anything good (or bad) about this institution: everything suits me, but no more!

Now, in principle, there are no state banks, they are all commercial structures and are subordinate to general laws. Another thing is a bank with 100% state. participation from the entire list of such a bank is only one "Rosselkhozbank" and only it can be indirectly attributed to state-owned banks. The advantages here are obvious, these are the maximum guarantees from the state, I don’t see any more advantages. All banks are included in the deposit insurance fund, without this they are not entitled to accept deposits from individuals.

Systemically important banks receive additional support from the Central Bank and the Government. I myself use the services of Sberbank, it is convenient for me. Good conditions loans, many ATMs and branches, are now expanding the list of online services provided.

State banks are always an additional guarantee of the reliability and stability of the bank. Stricter control by the state to such banks is an additional guarantee that the bank at one point will not burst like some even very large ones. commercial banks. In addition, such banks often have specialized preferential programs for certain categories citizens who can receive loans at reduced rates.

skylark

Well, public banks have quite a few advantages. First, they are more reliable, because during a crisis, it is the state-owned banks that are the first to receive financial support. Secondly, in many state banks interest rate on loans and mortgages is lower than in private organizations.

The most important thing for state-owned banks is that they somehow have more confidence than others. And peace of mind that nothing will happen to the money that is in the account.

And what is the point of this trust, if the conditions are less favorable? In general, I think that the concept of "bringing" in financial sector inappropriate. Collect and analyze information and make decisions based on it. And faith in financial matters is the last thing. In addition, all deposits are insured, so the trust is the same. State-owned banks have a minimal risk that their license will be revoked, yes. But the conditions ... Now I looked at the Rosselkhozbank - more or less interesting proposals, so for this minimum amount should be from 3 million. What's the point of trust if only 1,400,000 are insured?

The global cleansing of the banking sector, which the Central Bank has been actively engaged in for 3 years now, is forcing Russians to be more careful in choosing a bank for investing funds. It is believed that non-profit banks are more reliable. Is it so? Where is the safest place to keep money?

Which banks are state-owned in Russia?

List of banks with the participation of state capital and state. Russian banks are somewhat different things. The only state bank is the Bank of Russia (Central Bank), the rest belong to the state through the state. company or a chain of government companies, or - the state (again - through state-owned companies) owns part of the bank's shares.

For example, the most common dispute is: Is Sberbank a private or state bank? Yes and no. The state owns a controlling stake - just over 52% of the shares. That is, there is no clear answer whether Sberbank is a state bank or a commercial one. Other shareholders, in addition to the state, also have influence on the bank. Or the second example: is VTB a state-owned bank or not? Once, the state owned 100% of the shares, but gradually the bank is being sold, and today the Russian Federation has only 42.8%, and the plans are to reduce the state's share to 25%.

List of banks with state participation:

• Sberbank - 52.32%
• VTB - 42.8%
• Gazprombank - 35.54%
• Rosselkhozbank - 100%
• FC Otkritie - 9.99% (+ increase due to reorganization)
• Khanty-Mansiysk Bank - 51%
• AK BARS - 25.77%
• Globex - 99%
• SME Bank - 100%
• Russian Capital - 100%
• All-Russian Regional Development Bank - 84.67%
• Post Bank - 50%
• Krayinvestbank 98%
• Russia - 48.6%
• Bank of Kazan - 49%
• Khakassian Municipal Bank - 26,28%
• Bank Yekaterinburg - 29.29%
• Roseximbank - 60.97%.
• Promsvyazbank (got on the list due to the reorganization of the FKBS)
• Binbank (got on the list due to the reorganization of the FKBS)

We will not puzzle you with the chains through which non-state banks in Russia come under the control of the Central Bank. The most common scheme (on the example of "Discovery") is sanitation. The Central Bank finds problems with a systemically important bank, introduces a temporary administration and prescribes a “cure” through the influence of public money. For additional capitalization, the bank transfers a controlling stake to the Central Bank and the bank becomes subject to the Central Bank. Also, a number of banks are registered with the Federal Property Management Agency, DIA, BEB, municipalities etc.

Are state-supported banks reliable?

The list in 2018 is headed by Sberbank and VTB, there is no need to argue about their reliability - they have always been leaders in all ratings. But - TOP banks offer quite low rates on deposits, but you and I still want benefits, in addition to reliability. So who should you entrust your savings to, so as not to run to the DIA for reimbursement and not look for your money in off-balance sheet "notebooks"?

We recommend paying attention primarily to systemic significant banks – credit organizations recognized as important for the Russian economy. These banks, even if they lose liquidity, will receive support from the Central Bank in the form of reorganization, since it is in them that most of the deposits of Russians are concentrated. For example - Promsvyazbank, Otkritie and Binbank - practically burst, but the Central Bank took them under its wing, and depositors did not lose a penny.

Active control measures over the activities of organizations operating in banking conducted by the Central Bank during recent years led to a more cautious choice of the bank by potential depositors. Due to the fact that commercial banks are traditionally considered more vulnerable and unstable, an increasing number of clients are paying attention to state-owned banks in Russia, the full list of which in 2019 includes not only structures federal significance, but also less significant local organizations.

How reliable are state-backed banks?

If the bank is owned by the state, in Russian reality this brings a lot of positive factors for development and, above all, ensures financial stability and stability.

If the organization's solvency indicators are declining, most likely, financial and administrative assistance will be provided to the state bank, or reorganization is being carried out.

First of all, the reputation of the entire state suffers from the bankruptcy of a state bank, with far-reaching political and financial consequences. Not all public banks are the same. Differences are established by the degree of control, participation in capital, belonging to specific structures of the state.

Despite the fact that offers in the retail and corporate sectors are far from the most profitable (low interest on deposits and higher interest on loans, additional requirements or slower service), cooperation with state financial institutions practically guarantees stability and reliability.

The most famous banks in Russia include the Central Bank of the Russian Federation and Vnesheconombank. They don't have a license to drive banking, they have access to the entire list of powers to carry out operations.

When choosing an institution for lending or making deposits, Russian citizens prefer government agencies, worrying about the fate of invested funds or the stability of servicing credit debt.

State-owned banks are distinguished by conservatism, but behind it lies the presence of state control, which ensures the safety of savings and absolute legality in interaction.

With the help of state banks, social programs are being implemented, a policy is being introduced that meets the interests and needs of various categories of citizens. State programs help to get Banking services especially favorable conditions if the state itself is interested in the projects.

In addition to objective positive factors, one should not underestimate the degree of trust on the part of the population. Firm confidence in the well-being and stability of the state financial structure is inherent in the characteristics not only on the territory of the Russian Federation, but also in the whole world.

State structures can be classified according to many parameters. The main types of state participation include organizations:

• created by operation of law;
• with full, partial, indirect state participation;
• with state control.

Banks are established by law in accordance with the provisions of federal law. They cannot be attributed to any type with state participation, since they represent the most active government agency. The most famous organization created by law is the Central Bank.

A financial company with full participation of the state assumes the absence of shares at the disposal of individuals and organizations. Rosselkhoz, being such a structure, actively participates in the promotion of any social programs and projects, offering wide opportunities for lending and investing, taking into account the interests and needs of citizens.

With partial state participation, organizations are controlled with the transfer of most of the company's securities to the state. A classic example organizations with partial participation serves Savings bank. The state owns only more than 52 percent, but many personify the state bank with it.

It is more difficult to understand and identify the indirect participation of the state in the life of the financial structure. VTB Group, owned 60.9% by the state, owns an almost 100% stake in VTB24, which is an example of indirect state participation.

Banks under state control are represented by organizations that are undergoing reorganization, where temporary administration has been introduced, and the license has been revoked.

A depositor or a borrower who intends to arrange cooperation exclusively with financial institution, the security of which is guaranteed by the state, you will need to study the list of state-owned banks of the Russian Federation. Due to the significant number of structures supported and controlled by the state, it is possible to determine the optimal offer from among the organizations insured by the Central Bank of Russia for 2019.

Having excluded the Central Bank of the Russian Federation and Vnesheconombank from the list of institutions available for work with the retail sector, the choice should be made using the following classification:

1. Organizations with full state participation:

• Rosselkhozbank;
• RNKB;
• Russian capital.

The owners of the shares are such institutions as the Federal Property Management Agency, AHML.

1. Institutions with partial state participation:

• SME Bank;
• Roseximbank;
• Globexbank;
• Communication-Bank;
• All-Russian Bank for Regional Development (RRDB);
• Rus;
• LEOPARD;
• Sberbank;
• Novikombank;
• Bank of Kazan;
• Gazprombank;
• Municipal Bank of Khakassia;
• Ruscobank.

The owners are Vnesheconombank, the Federal Corporation for Entrepreneurship Development, Rosneft, the Central Bank, Rostec, Rosoboronexport, as well as some subjects of the Federation.

1. With the indirect participation of the state, the activities of RNKO Narat (wholly owned by JSC "Bars"), as well as Krayinvestbank (99.99% owned by RNCB) were organized.
2. The activities of FC Otkritie (owned by the Central Bank by 99.99%), Genbank (owned in the aggregate by DIA - more than 72%, the Republic of Crimea and the city of Sevastopol), TRUST (owned by FC Otkritie), Promsvyazbank (owned by DIA ).

Financial institutions Bank Sovetsky, Binbank, VVB, Rostbank are being reorganized, which does not prevent them from continuing to operate and successfully serve customers.

Despite the vastness of the presented list of state institutions, Savings Bank and VTB have practically no competitors in terms of popularity. At the same time, in addition to the participation of the state in financial institutions, you should evaluate the conditions of cooperation and the level of service provided. Taking into account all the parameters in the complex will allow you to choose the optimal financial institution for servicing, without excluding commercial structures from the list.