Financial assets and liabilities of the households sector for certain financial instruments
November 2024
Over the past 12 months, households invested 17.0 trn rubles in financial assets and attracted 5.2 trn rubles of bank loans, including 1.08 trn and 99 bln rubles in November, respectively.
Financial assets and liabilities of the households sector
(monthly transactions, bln rubles)
Fig. 1
Data on a full range of financial instruments is presented in quarterly publication.
Financial assets
- Over the past 12 months, the deposit growth totalled 12.6 trn rubles. In November, the deposit growth remained almost unchanged compared to previous month (+0.86 trn rubles). Main increase was provided by other (term) deposits in rubles (+1.61 trn rubles), while transferrable deposits decreased by 0.70 bln rubles.
- Funds in escrow accounts increased by 68 bln rubles after reduction in the previous month.
|
Balance as of 01.12.2024 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.11.2024 | 01.12.2024 | 01.11.2024 | 01.12.2024 | 01.11.2024 | 01.12.2024 | ||
| Currency | 25 837 | −664 | −451 | −77 | −20 | −674 | −694 |
|
National currency |
15 809 | −423 | −162 | −2 | −62 | −347 | −409 |
|
Foreign currency |
10 028 | −240 | −289 | −75 | 42 | −327 | −285 |
| Deposits | 65 898 | 12 723 | 12 616 | 824 | 857 | 8 595 | 9 452 |
|
Transferable deposits with banks |
15 667 | 1 414 | 1 181 | −747 | −702 | 316 | −387 |
|
Other deposits with banks |
41 518 | 10 535 | 10 682 | 1 518 | 1 492 | 7 641 | 9 134 |
|
Deposits with non-resident banks* |
8 713 | 773 | 753 | 54 | 67 | 638 | 705 |
| Broker accounts of households | 410 | −190 | −148 | −42 | −10 | −155 | −165 |
| Debt securities | 4 282 | 888 | 802 | −5 | −57 | 755 | 698 |
| Listed shares and investment fund units and shares | 14 584 | 2 356 | 2 357 | 178 | 154 | 933 | 1 087 |
| Insurance, pension and standardized guarantee schemes and pension savings | 7 827 | 748 | 803 | 37 | 92 | 667 | 759 |
| Escrow accounts of households | 6 711 | 1 185 | 1 001 | −64 | 68 | 1 069 | 1 137 |
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 3
Financial liabilities
- Mortgage housing loans continued to decline – growth over the past 12 months amounted to 2.90 trn rubles, of which 80 bln rubles in November (+142 bln rubles a month earlier).
- The growth of consumer loans over the past 12 months amounted to 1.48 trn rubles, while in November consumer loans increased by 13 bln rubles (−78 bln rubles in October).
- As a result, the increase of household liabilities to credit institutions in November amounted to 124 billion rubles (minimal monthly increase since the beginning of 2024).
|
Balance as of 01.12.2024 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.11.2024 | 01.12.2024 | 01.11.2024 | 01.12.2024 | 01.11.2024 | 01.12.2024 | ||
| Bank loans | 39 357 | 6 151 | 5 569 | 193 | 124 | 5 092 | 5 217 |
|
Mortgage loans |
20 029 | 3 307 | 2 900 | 142 | 80 | 2 278 | 2 358 |
|
Consumer loans* |
14 887 | 1 599 | 1 476 | −78 | 13 | 1 748 | 1 760 |
|
Car loans |
2 591 | 953 | 933 | 49 | 31 | 845 | 876 |
|
Other loans |
1 242 | 176 | 135 | 55 | −4 | 111 | 107 |
|
Accrued interest claims |
608 | 116 | 125 | 26 | 5 | 110 | 115 |
| Mortgage loans, repurchased by mortgage agents and accounted for repayment | 1 747 | −315 | −321 | −31 | −26 | −233 | −258 |
* Estimated value since 01.11.2024.
Financial liabilities
(rolling 12-month period, transactions, bln rubles)
Fig. 4
Department responsible for publication: Statistics Department
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Last updated on: 16.01.2025
* Estimated value.