Financial assets and liabilities of the households sector by the type of financial instruments
May 2024
Financial assets
Household savings in cash in national currency increased in May only by 12.1 bln rubles. Savings in cash in foreign currency decreased by 68.5 bln in ruble equivalent.
Total household deposits with resident banks increased by 1.34 trn rubles. As interest rates on ruble deposits remained attractive, the inflow of funds to banks was mainly provided by other (term) ruble deposits (+637 bln rubles) and transferable deposits (+703 bln rubles, of which 325 bln rubles were interest-bearing deposits). Growth of household deposits with non-resident banks slowed down to 72.1 bln rubles in ruble equivalent.
The main growth of household investments into securities was provided by long-term resident debt securities (+102 bln rubles). Household funds in listed shares of residents and non-residents decreased by 30.7 bln rubles.
Growth of household funds in escrow accounts almost tripled compared to April and amounted to 354 bln rubles in May.
|
01.06.2024 |
Transactions per month, |
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|
March 2024 |
April 2024 |
May 2024 |
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|
Assets |
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|
Currency |
24 366,9 |
−49,3 |
63,1 |
−56,4 |
|
National currency |
15 850,8 |
−81,8 |
109,6 |
12,1 |
|
Foreign currency |
8 516,1 |
32,5 |
−46,5 |
−68,5 |
|
Deposits |
58 859,7 |
1 059,0 |
1 136,5 |
1 416,0 |
|
Transferable deposits with banks |
16 780,1 |
203,5 |
139,8 |
703,3 |
|
Other deposits with banks |
35 094,4 |
763,1 |
891,1 |
640,7 |
|
Deposits with non-resident banks* |
6 985,2 |
92,4 |
105,7 |
72,1 |
|
Broker accounts of households |
459,3 |
−3,7 |
−46,8 |
3,2 |
|
Debt securities |
3 984,5 |
63,0 |
66,8 |
99,3 |
|
Listed shares and investment fund units and shares** |
14 253,7 |
95,4 |
137,7 |
−20,7 |
|
Insurance, pension and standardized guarantee schemes and pension savings |
7 160,1 |
−33,4 |
14,9 |
9,5 |
|
Escrow accounts of households |
6 070,1 |
91,6 |
124,1 |
354,0 |
Financial assets of the households sector (transactions, bln rubles)
Loans
In May 2024, households continued to actively attract bank loans. Main growth, as a month earlier, was provided by mortgage loans (+326 bln rubles) and consumer loans (+286 bln rubles). Monthly increase of car loans was the largest since the beginning of 2018 and amounted to 98.5 bln rubles.
|
01.06.2024 |
Transactions per month, |
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|
March 2024 |
April 2024 |
May 2024 |
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|
Liabilities |
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|
Bank loans |
37 871,5 |
633,5 |
601,7 |
735,3 |
|
Mortgage loans |
19 170,3 |
227,9 |
263,4 |
326,0 |
|
Car loans |
2 085,9 |
91,7 |
76,1 |
98,5 |
|
Consumer loans |
14 947,9 |
249,5 |
247,6 |
285,8 |
|
Other loans |
1 130,1 |
28,4 |
9,9 |
20,5 |
|
Accrued interest claims |
537,4 |
36,1 |
4,6 |
4,5 |
|
Mortgage loans, repurchased by mortgage |
1 452,1 |
−17,0 |
−29,1 |
−22,1 |
* Estimated value.
** Due to the limited set of financial instruments in the monthly publication, data on ownership of the listed shares and investment fund units and shares should be considered taking into account data on unlisted shares and other equity and investment fund shares in the quarterly publication “Financial assets and liabilities of the households sector”