Financial assets and liabilities of the households sector for certain financial instruments
July 2026
Last update: 04.09.2026
In July 2026, household investments in financial assets increased by 1.2 trillion rubles, which is slightly lower than figures recorded in June (1.3 billion rubles). On a rolling
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 2026
- In July 2026, an increase of funds on bank deposits of households was backed by transferable deposits (306 billion rubles), while the amount of term deposits decreased by 151 billion rubles.
- Share of cash in households’ financial assets went up due to an increase in demand on national currency.
- An inflow into investment fund units and shares continued to decelerate and totaled to 97 billion rubles (137 billion rubles a month earlier).
- The largest amount of household investments in debt securities was allocated to debt securities of non-financial corporations (+24 billion rubles) and debt securities of other financial institutions (+ 46 billion rubles).
- In July, the funds on escrow accounts decreased by 60 billion rubles.
|
Balance as of 01.08.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.07.2026 | 01.08.2026 | 01.07.2026 | 01.08.2026 | 01.07.2026 | 01.08.2026 | ||
| Currency | 26 660 | 2 924 | 3 369 | 433 | 590 | 1 610 | 2 200 |
|
National currency |
19 088 | 2 811 | 3 210 | 378 | 537 | 1 510 | 2 047 |
|
Foreign currency |
7 572 | 113 | 159 | 55 | 53 | 100 | 153 |
| Deposits | 76 825 | 6 185 | 5 676 | 377 | 195 | 852 | 1 046 |
|
Transferable deposits with banks |
21 484 | 3 124 | 3 151 | 330 | 306 | 800 | 1 106 |
|
Other deposits with banks |
49 500 | 3 365 | 2 776 | 38 | −150 | 180 | 30 |
|
Deposits with non-resident banks* |
5 841 | −305 | −251 | 9 | 40 | −129 | −89 |
| Broker accounts of households | 453 | 41 | 10 | −38 | −13 | 7 | −6 |
| Debt securities | 6 249 | 1 264 | 1 228 | 173 | 107 | 663 | 770 |
| Listed shares | 6 071 | −225 | −97 | 42 | 55 | −197 | −142 |
| Unlisted shares | 12 233 | 0 | −20 | −7 | 3 | −13 | −10 |
| Investment fund units and shares | 13 308 | 1 760 | 1 873 | 137 | 97 | 1 055 | 1 152 |
| Insurance, pension and standardized guarantee schemes and pension savings | 10 488 | 1 070 | 1 262 | 104 | 180 | 452 | 633 |
| Escrow accounts of households | 7 301 | 765 | 593 | 84 | −60 | 208 | 149 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Bank and MFC loans in July 2026
- The increase in households’ bank loan in July 2026 was lower than that in June, amounting to 332 billion rubles.
- There was a cooldown in demand in housing mortgage market after the unusual activity in June (the increase in housing mortgage stood at 126 billion rubles, compared to 267 billion rubles a month earlier1). The increase in consumer loans slowed down and totaled 116 billion rubles (168 billion rubles a month earlier).
|
Balance as of 01.08.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.07.2026 | 01.08.2026 | 01.07.2026 | 01.08.2026 | 01.07.2026 | 01.08.2026 | ||
| Bank loans | 41 319 | 3 519 | 3 645 | 470 | 332 | 1 521 | 1 853 |
|
Mortgage loans* |
22 506 | 2 728 | 2 676 | 267 | 126 | 934 | 1 060 |
|
Consumer loans* |
13 500 | 35 | 208 | 168 | 116 | 319 | 435 |
|
Car loans |
3 171 | 484 | 451 | 1 | 27 | 100 | 128 |
|
Other loans |
1 279 | 129 | 169 | 36 | 41 | 99 | 140 |
|
Accrued interest |
863 | 142 | 141 | −2 | 21 | 69 | 91 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 2 148 | −316 | −320 | −34 | −31 | −179 | −209 |
| Consumer loans sold to specialised financial entities and accounted for repayment | 880 | −530 | −506 | −57 | −16 | −275 | −291 |
| Loans received from MFC | 158 | −170 | −171 | −4 | −3 | −153 | −156 |
* 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
Information on household savings helps to improve the consistency of data on household money income and spending, financial accounts, and sectoral balances of the System of National Accounts (SNA). It also provides updated and detailed data on household financial assets and liabilities, which enables comprehensive analysis of the following:
- household consumption and saving behaviour;
- household preferences regarding investing in financial instruments;
- structure of household loans;
- dynamics and composition of household financial wealth, which is an integral part of household wealth.
The non-financial part is reflected in the capital account of the SNA, net acquisition of financial assets is recorded in the financial account.
Information on the compiling process of “Financial assets and liabilities of the households sector” is depicted in the methodological notes.
* Including mortgage loans sold to mortgage agents and accounted for repayment.