Financial assets and liabilities of the households sector for certain financial instruments
July 2025
Last update: 08.09.2025
Over the past 12 months, households invested 15.5 trn rubles in financial assets (for certain instruments) and increased financial liabilities in form of bank and microfinance companies (MFC) loans by 0.8 trn rubles.
In July 2025 financial investments amounted to 1.3 trn rubles, while loans increased by 142 bln rubles. Data on a full range of financial instruments is presented in quarterly publication.
Financial assets and liabilities of the households sector
(monthly transactions, bln rubles)
Fig. 1
Financial assets In July 2025
-
Term deposits accounted for the largest growth in households financial assets in July (+439 bln rubles, +258 bln rubles in May). The increase in transferable deposits was lower than in June and amounted to 279 bln rubles.
As a result, the annual growth of deposits amounted to 11.7 trn rubles. -
Investments in residents long-term debt securities in rubles remained at a high level (+149 bln rubles). Decrease of funds in listed shares and investment fund units and shares was due to a reduction of investments in listed shares issued by residents (−32 bln rubles).
The annual growth of funds in securities increased to 2.8 trn rubles. -
Funds in escrow accounts increased by 112 bln rubles, which is more than two times higher than in previous month.
Annual growth practically unchanged and amounted to 92 bln rubles.
|
Balance as of 01.08.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.07.2025 | 01.08.2025 | 01.07.2025 | 01.08.2025 | 01.07.2025 | 01.08.2025 | ||
| Currency | 23 784 | −258 | −95 | 197 | 248 | −477 | −229 |
|
National currency |
16 137 | 107 | 208 | 185 | 226 | −393 | −167 |
|
Foreign currency |
7 647 | −364 | −303 | 11 | 22 | −84 | −62 |
| Deposits | 71 507 | 11 639 | 11 724 | 728 | 694 | 3 820 | 4 514 |
|
Transferable deposits with banks |
18 333 | 925 | 890 | 509 | 279 | 523 | 802 |
|
Other deposits with banks |
46 678 | 10 617 | 10 801 | 258 | 439 | 3 334 | 3 773 |
|
Deposits with non-resident banks* |
6 496 | 97 | 33 | −40 | −23 | −37 | −61 |
| Broker accounts of households | 399 | −41 | −13 | 7 | 18 | −26 | −8 |
| Debt securities | 5 327 | 874 | 1 131 | 158 | 222 | 680 | 901 |
| Listed shares and investment fund units and shares | 17 716 | 1 689 | 1 620 | 163 | −8 | 670 | 662 |
| Insurance, pension and standardized guarantee schemes and pension savings | 8 225 | 1 166 | 1 036 | −42 | −7 | 499 | 492 |
| Escrow accounts of households | 6 708 | 84 | 92 | 47 | 112 | 467 | 579 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Bank and MFC loans In July 2025
- Monthly growth of mortgages reached 178 bln rubles, which is above the corresponding June figure. Car loans growth also increased (+60 bln rubles), while consumer loans declined by 55 bln rubles.
- The total annual growth of bank loans decreased to 1.4 trn rubles from 1.6 trn rubles a month earlier. This decrease was mainly driven by a decline in annual growth in consumer loans (-0.4 trn rubles in July against -0.1 trn rubles in June).
|
Balance as of 01.08.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.07.2025 | 01.08.2025 | 01.07.2025 | 01.08.2025 | 01.07.2025 | 01.08.2025 | ||
| Bank loans | 38 830 | 1 634 | 1 367 | 120 | 210 | 185 | 394 |
|
Mortgage loans* |
20 337 | 1 219 | 1 262 | 138 | 178 | 444 | 622 |
|
Consumer loans* |
13 941 | −143 | −398 | −48 | −55 | −266 | −321 |
|
Car loans |
2 719 | 458 | 407 | 38 | 60 | 29 | 89 |
|
Other loans |
1 111 | −34 | −52 | −6 | 1 | −99 | −98 |
|
Accrued interest claims |
722 | 135 | 148 | −2 | 25 | 77 | 102 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 1 920 | −314 | −320 | −48 | −26 | −165 | −191 |
| Consumer loans sold to specialised financial entities | 741 | −295 | −334 | −40 | −39 | −234 | −274 |
| Loans received from MFC | 329 | 82 | 79 | 3 | −2 | 63 | 61 |
* Transactions are calculated taking into account the sale of the consumer loans and mortgages portfolio by banks.
Bank and MFC loans
(rolling 12-month period, transactions, bln rubles)
Fig. 3
* Including mortgage loans sold to mortgage agents and accounted for repayment.