Financial assets and liabilities of the households sector for certain financial instruments
April 2026
Last update: 08.06.2026
In April 2026, households’ investments in financial assets amounted to 2.1 trillion rubles, while for the last 12 months – 14.5 trillion rubles (14.3 trillion rubles a month ago). The largest increase was observed in deposits (+981 billion rubles). Investments in shares and investment fund units and shares amounted to 229 billion rubles. Household financial liabilities increased by 134 billion rubles, while for the last 12 months – 2.0 trillion rubles (1.9 trillion rubles a onth ago). Housing mortgage loans remain the main component of the increase in liabilities (2.6 trillion rubles for the last 12 month).
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 April 2026
- In April 2026, the increase in transferable deposits in national currency was significantly higher than that in other deposits of the households in national currency, albeit the share of the other deposits in national currency remains significant. The increase in household funds on transferable interest-bearing deposits amounted to 832 billion rubles, which is twice the value of the previous month (+425 billion rubles in March, 2026). Other bank deposits of households increased by 12 billion rubles.
- The increase in household investments in debt securities amounted to 125 billion rubles, of which the largest volume of investments fell on long-term debt securities of residents (+148 billion rubles), including long-term securities of financial organisations (+54 billion rubles) and federal loan bonds (+50 billion rubles).
- Households investments in stocks and shares of investment funds increased by 229 billion rubles in April, mainly due to the acquisition of shares of exchange-traded and open-ended investment funds.
- In April, the growth of funds in escrow accounts continued to slow down and amounted to 5 billion rubles (+20 billion in March, 2026).
|
Balance as of 01.05.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.04.2026 | 01.05.2026 | 01.04.2026 | 01.05.2026 | 01.04.2026 | 01.05.2026 | ||
| Currency | 24 716 | 1 683 | 2 253 | 261 | 610 | 64 | 674 |
|
National currency |
17 751 | 1 785 | 2 289 | 276 | 571 | 139 | 710 |
|
Foreign currency |
6 965 | −102 | −36 | −15 | 39 | −74 | −36 |
| Deposits | 76 366 | 7 849 | 7 270 | 56 | 981 | −91 | 890 |
|
Transferable deposits with banks |
21 001 | 3 215 | 3 432 | 425 | 986 | −363 | 623 |
|
Other deposits with banks |
49 785 | 4 899 | 4 124 | −333 | 12 | 406 | 419 |
|
Deposits with non-resident banks* |
5 579 | −265 | −287 | −35 | −17 | −134 | −151 |
| Broker accounts of households | 347 | 15 | 48 | 3 | 12 | 4 | 15 |
| Debt securities | 5 915 | 1 187 | 1 220 | 164 | 125 | 323 | 448 |
| Listed shares | 6 832 | −167 | −221 | 26 | −33 | −188 | −221 |
| Unlisted shares | 12 423 | 197 | 72 | −2 | −3 | −6 | −9 |
| Investment fund units and shares | 12 801 | 1 657 | 1 966 | 220 | 266 | 472 | 737 |
| Insurance, pension and standardized guarantee schemes and pension savings | 9 966 | 969 | 1 042 | 160 | 131 | 144 | 274 |
| Escrow accounts of households | 7 201 | 923 | 862 | 20 | 5 | 44 | 49 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 3
Bank and MFC loans in April 2026
- The increase in household debt on bank loans in April, 2026, decreased compared to that in March (182 billion rubles versus 201 billion rubles).
- There was a moderate increase in activity in the housing mortgage market. The increase amounted to 130 billion rubles1.
-
In April, there was an increase in demand for car loans (+31 billion rubles), while consumer loans decreased (-11 billion rubles).
1 «Information about the mortgage lending market in Russia»
|
Balance as of 01.05.2026 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.04.2026 | 01.05.2026 | 01.04.2026 | 01.05.2026 | 01.04.2026 | 01.05.2026 | ||
| Bank loans | 40 482 | 2 795 | 2 933 | 201 | 182 | 461 | 643 |
|
Mortgage loans* |
22 171 | 2 592 | 2 613 | 94 | 130 | 427 | 557 |
|
Consumer loans* |
13 190 | −458 | −387 | 22 | −11 | −71 | −82 |
|
Car loans |
3 123 | 493 | 514 | 33 | 31 | 49 | 80 |
|
Other loans |
1 188 | 20 | 50 | 26 | 34 | 17 | 51 |
|
Accrued interest claims |
810 | 148 | 143 | 25 | −3 | 39 | 36 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 2 054 | −294 | −307 | −30 | −31 | −87 | −119 |
| Consumer loans sold to specialised financial entities and accounted for repayment | 830 | −509 | −469 | −46 | −8 | −127 | −135 |
| Loans received from MFC | 167 | −110 | −147 | −61 | −8 | −139 | −147 |
* 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.