Bank ranking by individuals' deposit amounts in 2024

Largest banks by individual deposit volume

The amounts of funds held by citizens and foreign clients who used bank services for the following were reviewed:

• opening a deposit;
• bank card funds;
• other savings placed during the specified period.

Data was collected from reporting form 0409101, taking into account funds from accounts 423 and 426, where the reporting date for the rankings is the first day of the calculation month. A total of 100 banks with the largest portfolios were selected:

Rank	Bank	License No.	Portfolio volume (billion RUB)	Dynamics
1	not used	1481	13422,66	1,48%
2	PJSC VTB	1000	6019,89	4,08%
3	JSC GAZPROMBANK	354	2176,09	2,53%
4	JSC Alfa-Bank	1326	1995,76	1,03%
5	T-Bank (Tinkoff)	2673	1431,60	-7,63%
6	Rosselkhozbank	3349	1369,77	0,18%
7	PJSC Sovcombank	963	695,91	2,80%
8	Credit Bank of Moscow PJSC	1978	617,17	3,45%
9	PJSC ROSBANK	2272	428,67	2,50%
10	DOM.RF BANK JSC	2312	241,77	1,64%
11	Otkritie FC Bank PJSC	2209	220,56	-25,14%
12	Bank Saint Petersburg PJSC	436	212,33	1,31%
13	Pochta Bank JSC	650	209,05	-1,28%
14	AB Rossiya JSC	328	184,97	-0,13%
15	MTS PJSC	2268	169,53	-4,21%
16	UBRiR Bank PJSC	429	142,89	-2,81%
17	URALSIB PJSC	2275	142,37	7,87%
18	RNKB PJSC	1354	125,23	1,17%
19	Russian Standard Bank JSC	2289	112,22	-1,03%
20	HOME CREDIT AND FINANCE BANK LLC	316	108,43	-5,49%
21	PJSC AK BARS	2590	106,46	1,28%
22	Kuban Credit CB LLC	2518	102,10	6,27%
23	TKB Bank PJSC	2210	101,16	3,10%
24	Absolut AKB	2306	88,12	-1,04%
25	BBR Bank JSC	2929	80,79	-10,92%
26	INVESTTORGBANK JSC	2763	79,63	-1,79%
27	Zenit Bank PJSC	3255	73,72	0,77%
28	Metallinvestbank PJSC AKB	2440	71,84	2,55%
29	Sinara Bank PJSC	705	69,58	-4,34%
30	NOVIKOMBANK JSC AKB	2546	68,50	2,88%
31	Expobank JSC	2998	64,44	2,21%
32	LOKO-BANK CB	2707	63,17	-1,27%
33	Renaissance Credit CB	3354	62,86	-5,91%
34	Promsocbank PJSC SKB Primorye	2733	60,68	0,78%
35	Asian-Pacific Bank (JSC)	1810	58,53	-5,83%
36	Center-invest Bank PJSC	2225	58,09	0,49%
37	PJSC Levoberezhny	1343	56,32	2,22%
38	Tavrichesky JSC	2304	55,24	0,66%
39	Credit Europe Bank (Russia) JSC	3311	47,12	0,14%
40	Yandex Bank JSC	3027	43,41	5,86%
41	SDM PJSC	1637	39,62	0,65%
42	OTP BANK JSC	2766	36,51	-4,26%
43	FORA-BANK JSC AKB	1885	35,68	-0,54%
44	Solidarity JSC CB	554	34,84	-0,07%
45	CHELINDBANK PJSC	485	33,81	-0,19%
46	UniCredit Bank JSC	1	32,81	-27,13%
47	CHELINDINVESTBANK PJSC	493	29,77	0,75%
48	Avers LLC	415	29,22	0,12%
49	IPB Bank JSC	600	22,46	0,90%
50	METCOMBANK PJSC	2443	21,31	6,33%

Banks with the maximum growth in individual deposits

The changes were identified by comparing retail portfolios from July 1 to August 1, 2024. An increase in the amount was registered in 131 banks, 30 of which were included in the general ranking as the largest:

Rank	Bank	License No.	Growth in funds (million RUB)
1	PJSC VTB	1000	236 108,69
2	not used	1481	195 255,87
3	JSC GAZPROMBANK	354	53 605,42
4	Moscow Credit Bank PJSC	1978	20 587,34
5	JSC Alfa-Bank	1326	20 273,79
6	PJSC Sovcombank	963	18 941,97
7	Rosbank PJSC	2272	10 449,98
8	UralSib PJSC	2275	10 386,38
9	Kuban Credit Bank LLC	2518	6021,99
10	Realist JSC	1067	5735,88
11	Noosphere AKB JSC	2650	4486,17
12	DOM.RF BANK JSC	2312	3900,53
13	TKB BANK PJSC	2210	3044,98
14	SNGB JSC	588	2829,78
15	Bank Saint Petersburg PJSC	436	2739,51
16	PSKB JSC	2551	2674,97
17	Russian Agricultural Bank JSC	3349	2507,51
18	Yandex Bank JSC	3027	2402,13
19	Novikombank JSC AKB	2546	1915,73
20	Metallinvestbank PJSC AKB	2440	1787,07
21	Rusnarbank JSC CB	3403	1631,27
22	Primorye PJSC AKB	3001	1630,13
23	RNKB Bank	1354	1453,53
24	SGB Bank JSC	2816	1429,87
25	Expobank JSC	2998	1391,90
26	AK Bars Bank PJSC	2590	1342,64
27	Metcombank PJSC	2443	1268,76
28	PJSC Levoberezhny	1343	1220,61
29	Dalnevostochny JSC	843	1018,95
30	Bystrobank PJSC	1745	867,35

Two banks from the current top 30 ranking did not become the largest in terms of the total amount of deposits made there this year: AKB NOOSFERA (104th place) with a growth of 1,303.48% and JSC KI RUSNARBANK (118th) with 81.71%.

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Dynamics of individual deposits in banks

It is difficult to argue for a large-scale advantage of major financial institutions in terms of deposit volumes. For example, DOM.RF is in the top ten but lacks such status, whereas the more significant Raiffeisenbank did not make the list, ranking only 148th.

Having dozens of branches is not necessary to accumulate large deposit volumes, since half of the banks in the ranking above are regional institutions that are not very popular nationwide and serve residents of at most 9 localities. Among them, the top two are in the top 25: PJSC Saint Petersburg and KB Kuban Credit LLC. Three other banks in the top 25 also lack a developed branch network, such as Tsifra Bank LLC, whose offices are scattered across 34 regions, and JSC Raiffeisenbank, which operates in 36 regions but holds a portfolio of only 1.85 billion RUB.

AKB NOOSFERA demonstrated a record climb in the rankings, rising 106 positions, while JSC Realist recorded the maximum progress, moving 8 lines higher.

In July alone, the total amount of funds placed by the population in financial institutions increased by 1,013% to reach 364.98 billion RUB, and by August 1, the portfolio across all banks stood at 32.56 trillion RUB, compared to 32.19 trillion RUB on July 1.

Analyzing individual dynamics, the opposite trend is visible for the period from July 1 to August 1: the portfolio decreased for the majority of banks (143). Major financial institutions hold virtually all of the country's household savings—32.32 trillion RUB, which includes time deposits and current accounts, or 99.33% of the total savings distributed across 278 companies. Furthermore, Sberbank alone accounts for 41.23% of this amount, and the share of the largest market players increased by +0.01% in July alone, demonstrating the gradual strengthening of banks' significance.

Average bank deposit rates

In 2024, interest rates in Russian banks range from 18.03% to 25.00%. Here are 10 profitable offers as an example:

Bank	Rate	Amount (RUB)	Term (days)
DOM.RF	19,30%	FROM 1,000,000 RUB	91
TKB	19,75%	FROM 300,000 RUB	1110
Svoy Bank	18,50%	FROM 30,000 RUB	1095
Alfa-Bank	20,00%	FROM 1 RUB	Indefinite
ROSSELKHOZBANK	18,00%	FROM 500 RUB	1460
VTB	20,00%	FROM 1,000 RUB	Indefinite
NS Bank	19,10%	FROM 50,000 RUB	100
Bank Orenburg	9,75%	FROM 1,000 RUB	1080
MTS BANK	9,75%	FROM 10,000 RUB	1096
Metalinvestbank	9,70%		367