Financial assets and liabilities of the households sector for certain financial instruments
May 2026
Last update: 07.07.2026
In May 2026, household investments in financial assets decreased to 382 billion rubles, which is significantly lower than figures recorded in April (2.1 trillion rubles). On a rolling 12 month basis, investments in total financial asset declined to 13.7 trillion rubles (14.2 trillion rubles a month earlier). The largest reduction was observed in deposits (both ruble and in foreign currency), while the inflow of household funds into residents investment fund units and shares markedly exceeded investments in other types of financial assets. Household financial liabilities increased by 297 billion rubles, and by 2.2 trillion rubles over the 12 month period (compared to 2.0 trillion rubles a month earlier). The main components of liability growth were consumer loans and housing mortgage loans.
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 May 2026
- In May 2026, household deposits declined – by 153 billion rubles on transferable deposits and by 277 billion rubles on term deposits.
- The slowdown of household investiments in deposit was accompanied by an inflow into investment fund units and shares (+ 181 billion rubles) and broker accounts.
- The largest amount of household investments in debt securities was allocated to debt securities of other financial institutions (+ 55 billion rubles).
- In May, the inflow of funds to escrow accounts accelerated, reaching 76 billion rubles (up from + 5 billion rubles in April 2026).
|
Balance as of 01.06.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.05.2026 | 01.06.2026 | 01.05.2026 | 01.06.2026 | 01.05.2026 | 01.06.2026 | ||
| Currency | 24 802 | 2 162 | 2 627 | 623 | 415 | 703 | 1 118 |
|
National currency |
18 115 | 2 163 | 2 557 | 571 | 363 | 710 | 1 073 |
|
Foreign currency |
6 688 | −1 | 69 | 52 | 52 | −7 | 45 |
| Deposits | 75 309 | 7 221 | 6 562 | 1 003 | −446 | 896 | 449 |
|
Transferable deposits with banks |
20 849 | 3 432 | 3 304 | 986 | −153 | 623 | 470 |
|
Other deposits with banks |
49 335 | 4 124 | 3 585 | 12 | −277 | 419 | 142 |
|
Deposits with non-resident banks* |
5 125 | −336 | −327 | 5 | −17 | −145 | −163 |
| Broker accounts of households | 485 | 24 | 86 | 4 | 54 | −9 | 45 |
| Debt securities | 5 849 | 1 220 | 1 242 | 125 | 41 | 449 | 489 |
| Listed shares | 6 602 | −237 | −270 | −33 | −17 | −221 | −238 |
| Unlisted shares | 12 354 | 12 | 17 | −3 | 1 | −7 | −6 |
| Investment fund units and shares | 13 019 | 1 969 | 1 753 | 266 | 181 | 737 | 919 |
| Insurance, pension and standardized guarantee schemes and pension savings | 10 043 | 1 012 | 976 | 128 | 79 | 272 | 351 |
| Escrow accounts of households | 7 276 | 862 | 729 | 5 | 76 | 49 | 125 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 3
Bank and MFC loans in May 2026
- The increase in household bank loan in May 2026 was higher than in April, amounting to 371 billion rubles.
- There was a moderate slowdown in housing mortgage market (the increase in housing mortgage stood at 110 billion rubles, compared to 130 billion rubles a month earlier1), while consumer loans rose significantly (+ 194 billion rubles).
|
Balance as of 01.06.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.05.2026 | 01.06.2026 | 01.05.2026 | 01.06.2026 | 01.05.2026 | 01.06.2026 | ||
| Bank loans | 40 748 | 2 973 | 3 170 | 220 | 371 | 681 | 1 052 |
|
Mortgage loans* |
22 221 | 2 613 | 2 599 | 130 | 110 | 557 | 667 |
|
Consumer loans* |
13 340 | −348 | −181 | 27 | 194 | −43 | 151 |
|
Car loans |
3 142 | 514 | 521 | 31 | 19 | 80 | 99 |
|
Other loans |
1 199 | 50 | 87 | 34 | 12 | 51 | 63 |
|
Accrued interest claims |
847 | 145 | 143 | −3 | 36 | 36 | 72 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 2 105 | −289 | −298 | −31 | −26 | −119 | −145 |
| Consumer loans sold to specialised financial entities and accounted for repayment | 830 | −507 | −513 | −46 | −44 | −174 | −218 |
| Loans received from MFC | 165 | −146 | −163 | −7 | −3 | −146 | −149 |
* 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. 4
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.