Financial assets and liabilities of the households sector for certain financial instruments
September 2025
Last update: 11.11.2025
Over the past 12 months, households invested 14.3 trn rubles in financial assets (for certain instruments) and increased financial liabilities in form of bank and microfinance companies (MFC) loans by 0.4 trn rubles.
In September, 2025, the amount of financial investments conceded to that in August and totaled 674 bln rubles; the sum of loans similarly was smaller than that of the preceding month (186 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 September 2025
- Households’ investments in currency has decelerated if compared to that in July-August (+152 billion rubles in September, +219 billion rubles in August). As deposit rates declined, the growth in household deposits dwindled with regard to other (term) deposits (+138 billion rubles in August, +34 billion rubles in September), while the growth of transferable deposits with banks started to increase (+26 billion rubles in August, +50 billion rubles in September).
- Investments in listed shares and investment fund units and shares reduced by 13 billion rubles.
- Funds in escrow accounts exhibited an increased growth of 183 bln rubles (+124 bln rubles in August)
|
Balance as of 01.10.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.09.2025 | 01.10.2025 | 01.09.2025 | 01.10.2025 | 01.09.2025 | 01.10.2025 | ||
| Currency | 24 095 | 141 | 344 | 219 | 152 | −39 | 113 |
|
National currency |
16 283 | 364 | 482 | 205 | 115 | 7 | 122 |
|
Foreign currency |
7 812 | −223 | −138 | 13 | 38 | −46 | −9 |
| Deposits | 71 689 | 10 973 | 10 338 | 105 | 56 | 4 579 | 4 635 |
|
Transferable deposits with banks |
18 409 | 1 124 | 1 292 | 26 | 50 | 828 | 878 |
|
Other deposits with banks |
46 965 | 9 939 | 9 197 | 138 | 34 | 3 911 | 3 945 |
|
Deposits with non-resident banks* |
6 315 | −89 | −151 | −59 | −28 | −159 | −187 |
| Broker accounts of households | 380 | 16 | −54 | 6 | −26 | −2 | −29 |
| Debt securities | 5 671 | 1 176 | 1 362 | 93 | 218 | 1 025 | 1 244 |
| Listed shares and investment fund units and shares | 18 153 | 1 742 | 1 543 | 307 | −13 | 971 | 958 |
| Insurance, pension and standardized guarantee schemes and pension savings | 8 474 | 547 | 455 | 127 | 104 | 135 | 239 |
| Escrow accounts of households | 7 014 | 161 | 307 | 124 | 183 | 704 | 886 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Bank and MFC loans in September 2025
- In September, monthly growth of bank loans was lower than that in the preceding month, totaling 272 bln trn rubles (334 bln rubles in August), including 214 bln rubles related to mortgage; consumer loans reduced by 22 bln rubles. For more detailed information on mortgage loans, please refer to «Housing (Mortgage) Loan Market».
|
Balance as of 01.10.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.09.2025 | 01.10.2025 | 01.09.2025 | 01.10.2025 | 01.09.2025 | 01.10.2025 | ||
| Bank loans | 39 364 | 1 219 | 1 080 | 334 | 272 | 735 | 1 008 |
|
Mortgage loans* |
20 769 | 1 307 | 1 348 | 219 | 214 | 841 | 1 055 |
|
Consumer loans* |
13 855 | −573 | −703 | 10 | −23 | −311 | −334 |
|
Car loans |
2 880 | 379 | 340 | 75 | 85 | 164 | 249 |
|
Other loans |
1 115 | −60 | −69 | 3 | 1 | −95 | −94 |
|
Accrued interest claims |
745 | 166 | 164 | 28 | −5 | 137 | 132 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 1 891 | −328 | −325 | −28 | −26 | −222 | −248 |
| Consumer loans sold to specialised financial entities and accounted for repayment | 733 | -373 | -415 | -39 | -42 | -313 | -354 |
| Loans received from MFC | 314 | 89 | 55 | 3 | −18 | 64 | 45 |
* 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.