Financial assets and liabilities of the households sector for certain financial instruments
August 2025
Last update: 09.10.2025
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
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)
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
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».
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
* Including mortgage loans sold to mortgage agents and accounted for repayment.