Financial assets and liabilities of the households sector
(by the type of financial instruments)
July 2024
Over the past 12 months, households invested 16.3 trn rubles in financial assets and attracted 7.8 trn rubles of bank loans, including 846 and 478 bln rubles in July, respectively.
Financial assets and liabilities of the households sector (monthly transactions, bln rubles)
Balance of transactions with financial assets and liabilities of households (rolling 12-month period, bln rubles)
In July, the annualized balance of household transactions with financial assets and liabilities continued to grow.
The monthly balance of transactions data calculated on the incomplete data set basis. Net lending/borrowing of households on a full range of financial instruments (national accounts financial account balance of transactions) presented in quarterly publication.
Financial assets
- Over the past 12 months, the deposit growth totaled 12 trn rubles. In July, the deposit growth amounted to 616 bln rubles, down from the previous month. In contrast to June, the main increase was provided by transferrable deposits (+314 bln rubles), while the growth of other (term) deposits was more than 2 times lower than in previous month (+255 bln rubles).
- Along with slowdown in mortgage lending, the growth of household funds in escrow accounts also slowed down (+104 bln rubles against the maximum in June +441 bln rubles).
|
Balance as of 01.08.2024 |
Transactions | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.07.2024 | 01.08.2024 | 01.07.2024 | 01.08.2024 | 01.07.2024 | 01.08.2024 | ||
| Currency | 24 228 | −345 | −458 | −66 | 47 | −449 | −402 |
|
National currency |
15 975 | −245 | −415 | −43 | 73 | −340 | −268 |
|
Foreign currency |
8 254 | −100 | −43 | −23 | −26 | −108 | −135 |
| Deposits | 60 013 | 11 975 | 12 021 | 1 007 | 616 | 5 553 | 6 168 |
|
Transferable deposits with banks |
17 444 | 1 515 | 1 365 | 350 | 314 | 1 076 | 1 390 |
|
Other deposits with banks |
35 840 | 9 716 | 9 953 | 645 | 255 | 4 093 | 4 348 |
|
Deposits with non-resident banks* |
6 729 | 744 | 703 | 12 | 47 | 384 | 431 |
| Broker accounts of households | 413 | −225 | −235 | −30 | −10 | −123 | −134 |
| Debt securities | 3 992 | 457 | 374 | 96 | −35 | 297 | 262 |
| Listed shares and investment fund units and shares | 14 039 | 2 168 | 2 195 | 35 | 62 | 346 | 407 |
| Insurance, pension and standardized guarantee schemes and pension savings | 7 315 | 241 | 287 | 69 | 63 | 168 | 230 |
| Escrow accounts of households | 6 615 | 2 108 | 2 079 | 441 | 104 | 937 | 1 041 |
Financial assets (rolling 12-month period, transactions, bln rubles)
Financial liabilities
- Over the past 12 months, mortgage housing loans growth amounted to 4.6 trn rubles. In July 2024, the growth of mortgages slowed down mainly due to the completion of subsidized mortgage program and amounted to 135 bln rubles (589 bln rubles a month earlier).
- The growth of consumer loans also slowed down and over the past 12 months amounted to 2.1 trn rubles, in July – to 201 bln rubles.
-
Over the past 12 months, the growth of the car loan portfolio amounted to 0.9 trn rubles. In July the increase was the maximum since 2018 (+111 bln rubles).
|
Balance as of 01.08.2024 |
Transactions | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.07.2024 | 01.08.2024 | 01.07.2024 | 01.08.2024 | 01.07.2024 | 01.08.2024 | ||
| Bank loans | 39 183 | 8 096 | 7 800 | 1 003 | 478 | 3 518 | 3 996 |
|
Mortgage loans |
19 724 | 4 853 | 4 581 | 589 | 135 | 1 654 | 1 789 |
|
Consumer loans |
15 443 | 2 125 | 2 071 | 294 | 201 | 1 334 | 1 534 |
|
Car loans |
2 284 | 811 | 852 | 87 | 111 | 458 | 569 |
|
Other loans |
1 165 | 218 | 207 | 16 | 20 | 16 | 36 |
|
Accrued interest claims |
567 | 89 | 90 | 16 | 12 | 56 | 68 |
| Mortgage loans, repurchased by mortgage agents and accounted for repayment | 1 582 | −288 | −294 | −20 | −20 | −139 | −158 |
* Estimated value.