Financial assets and liabilities of the households sector for certain financial instruments
March 2025
Over the past 12 months, households invested 15.4 trn rubles in financial assets (for certain instruments) and attracted 3.4 trn rubles of bank and microfinance companies (MFC) loans. In March 2025 financial investments amounted to 948 bln rubles, loans – to 44 bln rubles. 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 March 2025
-
Amid high interest rates, the main growth was again provided by other (term) deposits in rubles (+649 bln rubles).
Annual growth of deposits in resident banks amounted to 12.4 trn rubles, which is less than a month earlier. -
Cash in national currency continued to decline (−226 bln rubles).
Annual growth of currency decreased to −523 bln rubles against −353 bln rubles a month earlier. - Funds in escrow accounts grew by 89 bln rubles. Annual growth remained practically unchanged compared to the previous month (+682 bln rubles).
|
Balance as of 01.04.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.03.2025 | 01.04.2025 | 01.03.2025 | 01.04.2025 | 01.03.2025 | 01.04.2025 | ||
| Currency | 23 264 | −353 | −523 | −149 | −221 | −566 | −787 |
|
National currency |
15 569 | 3 | −142 | −163 | −226 | −540 | −766 |
|
Foreign currency |
7 695 | −355 | −381 | 14 | 6 | −26 | −21 |
| Deposits | 68 363 | 13 146 | 12 688 | 1 135 | 598 | 680 | 1 278 |
|
Transferable deposits with banks |
16 800 | 1 057 | 863 | 312 | 10 | −741 | −731 |
|
Other deposits with banks |
44 911 | 11 606 | 11 487 | 819 | 644 | 1 383 | 2 027 |
|
Deposits with non-resident banks* |
6 651 | 484 | 338 | 4 | −56 | 38 | −18 |
| Broker accounts of households | 406 | −70 | −92 | 72 | −26 | 23 | −4 |
| Debt securities | 4 571 | 621 | 721 | 145 | 153 | 245 | 398 |
| Listed shares and investment fund units and shares | 17 200 | 1 216 | 1 184 | −54 | 64 | 64 | 127 |
| Insurance, pension and standardized guarantee schemes and pension savings | 8 184 | 412 | 738 | −12 | 292 | −240 | 52 |
| Escrow accounts of households | 6 273 | 684 | 682 | 167 | 89 | 56 | 145 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Bank and MFC loans in March 2025
- Growth of mortgage loans over the past 12 months decreased in comparison with February and amounted to 2.0 trn rubles. In March 2025, there was an absolute reduction of household debt for all types of loans, except for mortgages (+65 bln rubles). Lending dynamics were conditioned on declining demand for credit products amid high market rates.
- Growth of consumer loans over the past 12 months amounted to 0.8 trn rubles, reduction in March was less significant (−29 bln rubles) than in the previous month (−106 bln rubles).
|
Balance as of 01.04.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.03.2025 | 01.04.2025 | 01.03.2025 | 01.04.2025 | 01.03.2025 | 01.04.2025 | ||
| Bank loans | 38 676 | 4 203 | 3 631 | −108 | 61 | −213 | −152 |
|
Mortgage loans* |
20 107 | 2 189 | 2 026 | 48 | 65 | 8 | 73 |
|
Consumer loans* |
14 205 | 1 061 | 782 | −106 | −29 | −127 | −156 |
|
Car loans |
2 571 | 753 | 660 | −21 | −2 | −29 | −31 |
|
Other loans |
1 131 | 78 | 34 | −11 | −16 | −63 | −79 |
|
Accrued interest claims |
661 | 122 | 129 | −17 | 43 | −2 | 41 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 1 728 | −273 | −275 | −22 | −24 | −39 | −63 |
| Consumer loans sold to specialised financial entities | 986 | ||||||
| Loans received from MFC | 285 | 37 | 43 | 5 | 7 | 10 | 16 |
* 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. 3
Department responsible for publication: Statistics Department
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Last updated on: 14.05.2025
* Including mortgage loans sold to mortgage agents and accounted for repayment.