Financial assets and liabilities of the households sector for certain financial instruments
August 2026
Last update: 07.10.2026
Households’ investments in financial assets in August, 2026, were lower than those recorded in July and totaled to 721 trillion rubles (1.1 billion rubles). On a rolling
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 2026
- An increase of funds on households’ bank deposits reduced by 124 billion rubles due to the contraction of term deposits by 169 billion rubles, while the transferable deposits increased by 44 billion rubles.
- Households’ investments into national cash currency in August were lower than in July and accounted for 415 billion rubles.
- An inflow into investment fund units and shares increased and totaled to 34 billion rubles (17 billion rubles a month earlier).
- The volume of households’ investments in debt securities decreased in comparison to the amount a month earlier (+72 billion rubles in August vs +110 billion rubles in July). The largest amount of investments was allocated to debt securities of other financial corporations (+51 billion rubles) and bank debt securities (+ 46 billion rubles).
- The funds on escrow accounts went up by 95 billion rubles after a decrease of 60 billion rubles in July.
|
Balance as of 01.09.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.08.2026 | 01.09.2026 | 01.08.2026 | 01.09.2026 | 01.08.2026 | 01.09.2026 | ||
| Currency | 27 606 | 3 319 | 3 522 | 587 | 415 | 2 150 | 2 564 |
|
National currency |
19 405 | 3 173 | 3 325 | 536 | 354 | 2 010 | 2 364 |
|
Foreign currency |
8 201 | 145 | 197 | 51 | 61 | 140 | 201 |
| Deposits | 77 508 | 5 725 | 5 492 | 196 | −124 | 1 095 | 971 |
|
Transferable deposits with banks |
21 532 | 3 155 | 3 173 | 309 | 44 | 1 110 | 1 154 |
|
Other deposits with banks |
49 662 | 2 772 | 2 469 | −154 | −166 | 26 | −140 |
|
Deposits with non-resident banks* |
6 313 | −203 | −151 | 40 | −3 | −40 | −43 |
| Broker accounts of households | 491 | 10 | 30 | −13 | 26 | −6 | 20 |
| Debt securities | 6 401 | 1 230 | 1 125 | 110 | 72 | 773 | 845 |
| Listed shares | 5 927 | −97 | −83 | 55 | 26 | −142 | −116 |
| Unlisted shares | 12 461 | −20 | −28 | 3 | −6 | −10 | −16 |
| Investment fund units and shares | 13 331 | 1 777 | 1 424 | 17 | 34 | 1 056 | 1 090 |
| Insurance, pension and standardized guarantee schemes and pension savings | 10 671 | 1 295 | 1 408 | 180 | 183 | 644 | 827 |
| Escrow accounts of households | 7 395 | 593 | 564 | −60 | 95 | 149 | 244 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Loans in August 2026
- The increase in households’ bank loan in August, 2026, was higher than that in July, amounting to 337 billion rubles, accounting for their sequritisation.
- The growth of household indebtedness in housing mortgage market (including mortgage loans sold by banks to mortgage agents) in August started to go up anew: the rise of mortgage loans totaled 114 billion rubles (95 billion rubles a month earlier). The growth of household indebtedness in consumer loans (including consumer loans sold by banks to specialised financial entities) nearly doubled (+179 billion rubles in August vs 65 billion rubles in July); the share of credit card indebtedness stood at 34%. For more information, please refer to «Information about the mortgage lending market in Russia».
|
Balance as of 01.09.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.08.2026 | 01.09.2026 | 01.08.2026 | 01.09.2026 | 01.08.2026 | 01.09.2026 | ||
| Bank loans | 41 521 | 3 645 | 3 734 | 332 | 424 | 1 853 | 2 277 |
|
Mortgage loans* |
22 651 | 2 676 | 2 602 | 126 | 145 | 1 060 | 1 205 |
|
Consumer loans* |
13 513 | 208 | 433 | 116 | 234 | 435 | 669 |
|
Car loans |
3 191 | 451 | 397 | 27 | 20 | 128 | 148 |
|
Other loans |
1 287 | 169 | 173 | 41 | 7 | 140 | 147 |
|
Accrued interest |
879 | 141 | 130 | 21 | 18 | 91 | 109 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 2 113 | −307 | −309 | −31 | −31 | −214 | −245 |
| Consumer loans sold to specialised financial entities and accounted for repayment | 1 011 | −542 | −559 | −51 | −56 | −326 | −382 |
| Loans received from MFC | 154 | −171 | −178 | −3 | −4 | −156 | −160 |
* Transactions are calculated taking into account the sale of the consumer loans and mortgages portfolio by banks.
Loans (rolling 12-month period, transactions, bln rubles)
Fig. 3
Information on household savings helps to improve the consistency of data on household money income and spending, financial accounts, and sectoral balances of the System of National Accounts (SNA). It also provides updated and detailed data on household financial assets and liabilities, which enables comprehensive analysis of the following:
- household consumption and saving behaviour;
- household preferences regarding investing in financial instruments;
- structure of household loans;
- dynamics and composition of household financial wealth, which is an integral part of household wealth.
The non-financial part is reflected in the capital account of the SNA, net acquisition of financial assets is recorded in the financial account.
Information on the compiling process of “Financial assets and liabilities of the households sector” is depicted in the methodological notes.
* Including mortgage loans sold to mortgage agents and accounted for repayment.