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Financial assets and liabilities of the households sector for certain financial instruments

August 2025

Last update: 09.10.2025

Data link:
Financial assets and liabilities of the households sector by the type of financial instruments (balances)
Financial assets and liabilities of the households sector by the type of financial instruments (transactions)


Over the past 12 months, households invested 14.8 trn rubles in financial assets (for certain instruments) and increased financial liabilities in form of bank and microfinance companies (MFC) loans by 0.6 trn rubles.
In August 2025 financial investments amounted to 980 bln rubles, while loans increased by 271 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

Created with Highcharts 10.3.32022202320242025-2 00002 0004 0006 000-6 000-4 000-2 00002 000
Financial assets (right axis)
Bank and MFC loans* (left axis)
Balance of transactions with certain financial assets and liabilities

* Including mortgage loans sold to mortgage agents and accounted for repayment.

Financial assets in August 2025

  • Households’ investments in currency continued to increase in August at a pace comparable to the June-July period (+219 billion rubles). As deposit rates declined, the growth in household deposits also slowed, both in transferable deposits with banks (+26 billion rubles in August, +279 billion rubles in July) and in other (term) deposits (+138 billion rubles in August, +439 billion rubles in July).
  • Investments in listed shares and investment fund units and shares totaled 307 billion rubles. There was continued growth in household investments in money market funds, as well as in closed-end mutual investment funds.
  • Funds in escrow accounts increased by 124 bln rubles (+112 bln rubles in july)
Tab. 2
Balance as of
01.09.2025
bln rubles
Transactions, bln rubles
Annual Monthly From the beginning of the year
01.08.2025 01.09.2025 01.08.2025 01.09.2025 01.08.2025 01.09.2025
Currency 23 861 −124 141 241 219 −258 −39

National currency

16 342 177 364 226 205 −198 7

Foreign currency

7 519 −301 −223 15 13 −60 −46
Deposits 71 280 11 684 10 973 698 105 4 474 4 579

Transferable deposits with banks

18 359 890 1 124 279 26 802 828

Other deposits with banks

46 778 10 801 9 938 439 138 3 773 3 911

Deposits with non-resident banks*

6 143 −7 −89 −20 −59 −101 −159
Broker accounts of households 403 −13 16 18 6 −8 −2
Debt securities 5 444 1 162 1 176 227 93 933 1 025
Listed shares and investment fund units and shares 18 623 1 623 1 742 −5 307 664 971
Insurance, pension and standardized guarantee schemes and pension savings 8 351 552 547 −2 127 8 135
Escrow accounts of households 6 832 92 160 112 124 579 704

* Estimated value.

Financial assets
(rolling 12-month period, transactions, bln rubles)

Fig. 2

Created with Highcharts 10.3.32022202320242025-8 00008 00016 00024 000
Currency
Deposits
Broker accounts of households
Debt securities
Listed shares and investment fund units and shares
Insurance, pension and standardized guarantee schemes and pension savings
Escrow accounts

Bank and MFC loans in August 2025

  • In August monthly growth of bank loans increased to 334 bln trn rubles (+210 bln rubles a month earlier). This increase was mainly driven by a growth in mortgage, car and consumer loans.
  • The monthly increase in mortgage loans amounted to 219 billion rubles, with a significant share (82%) of new issuances being associated with government-supported programs. For more detailed information on mortgage loans, please refer to «Housing (Mortgage) Loan Market».
Tab. 2
Balance as of
01.09.2025
bln rubles
Transactions, bln rubles
Annual Monthly From the beginning of the year
01.08.2025 01.09.2025 01.08.2025 01.09.2025 01.08.2025 01.09.2025
Bank loans 39 156 1 374 1 219 210 334 401 735

Mortgage loans*

20 555 1 262 1 307 178 219 622 841

Consumer loans*

13 942 −398 −573 −55 10 −321 −311

Car loans

2 794 407 379 60 75 89 164

Other loans

1 114 −52 −60 1 3 −98 −95

Accrued interest claims

751 155 166 25 28 109 137
Mortgage loans sold to mortgage agents and accounted for repayment 1 917 −323 −328 −26 −28 −194 −222
Consumer loans sold to specialised financial entities and accounted for repayment 711 −334 −373 −39 −39 −274 −313
Loans received from MFC 332 79 89 −2 3 61 64

* 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

Created with Highcharts 10.3.32022202320242025-3 00003 0006 0009 000
Mortgage loans
Consumer loans
Car loans
Other loans
Accrued interest claims
Mortgage loans sold to mortgage agents
Consumer loans sold to SFO
Loans received from MFC
Department responsible for publication: Statistics Department
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Last updated on: 09.10.2025