Financial assets and liabilities of the households sector for certain financial instruments
May 2025
Over the past 12 months, households invested 15.3 trn rubles in financial assets (for certain instruments) and increased financial liabilities in form of bank and microfinance companies (MFC) loans by 2.1 trn rubles.
In May 2025 financial investments amounted to 834 bln rubles, while loans increased by 126 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 May 2025
-
Main growth in May was provided by investment funds units and shares in rubles (+329 bln rubles), which was higher than investments in deposits.
As a result, the annual growth of listed shares and investment funds units and shares amounted to 1.5 trn rubles. -
Household funds on term deposits rose by 262 bln rubles, which is lower than a month before.
The annual growth of term depostits decreased to 11.0 trn rubles. -
Funds in escrow accounts increased by 209 bln rubles.
Annual growth decreased compared to the previous month (+478 bln rubles in May; +623 bln rubles in April).
|
Balance as of 01.06.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.05.2025 | 01.06.2025 | 01.05.2025 | 01.06.2025 | 01.05.2025 | 01.06.2025 | ||
| Currency | 22 978 | −511 | −570 | 108 | −48 | −670 | −718 |
|
National currency |
15 713 | −123 | −166 | 136 | −31 | −591 | −622 |
|
Foreign currency |
7 265 | −388 | −404 | −28 | −17 | −78 | −95 |
| Deposits | 69 640 | 13 154 | 11 908 | 1 550 | 204 | 2 851 | 3 055 |
|
Transferable deposits with banks |
17 545 | 1 492 | 765 | 768 | −24 | 38 | 14 |
|
Other deposits with banks |
45 829 | 11 383 | 11 004 | 787 | 262 | 2 814 | 3 076 |
|
Deposits with non-resident banks* |
6 267 | 279 | 139 | −6 | −34 | −1 | −35 |
| Broker accounts of households | 369 | −67 | −78 | −22 | −8 | −25 | −33 |
| Debt securities | 4 849 | 854 | 821 | 100 | 23 | 509 | 533 |
| Listed shares and investment fund units and shares | 17 370 | 1 144 | 1 502 | −12 | 339 | 109 | 448 |
| Insurance, pension and standardized guarantee schemes and pension savings | 8 248 | 1 155 | 1 260 | 36 | 115 | 400 | 515 |
| Escrow accounts of households | 6 548 | 623 | 478 | 65 | 209 | 211 | 420 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Bank and MFC loans in May 2025
- Growth of mortgage loans over the past 12 months decreased in comparison with April and amounted to 1.7 trn rubles. Monthly growth of mortgages (+123 bln rubles), consumer loans (+27 bln rubles) and car loans (+12 bln rubles) was higher than in previous months of 2025.
-
The total annual increase of bank loans declined to 2.5 trn rubles (3.1 trn rubles in April).
|
Balance as of 01.06.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.05.2025 | 01.06.2025 | 01.05.2025 | 01.06.2025 | 01.05.2025 | 01.06.2025 | ||
| Bank loans | 38 868 | 3 082 | 2 519 | 43 | 173 | −109 | 64 |
|
Mortgage loans* |
20 334 | 1 872 | 1 670 | 109 | 123 | 183 | 306 |
|
Consumer loans* |
14 126 | 458 | 199 | −83 | 27 | −245 | −218 |
|
Car loans |
2 593 | 594 | 507 | 10 | 12 | −21 | −9 |
|
Other loans |
1 115 | 35 | −12 | 6 | −26 | −67 | −94 |
|
Accrued interest claims |
700 | 123 | 155 | 0 | 37 | 41 | 79 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 1 681 | −281 | −283 | −24 | −22 | −95 | −116 |
| Consumer loans sold to specialised financial entities | 766 | −217 | −255 | −48 | −38 | −156 | −195 |
| Loans received from MFC | 327 | 69 | 78 | 30 | 13 | 46 | 59 |
* 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.