Financial assets and liabilities of the households sector for certain financial instruments
June 2025
Last update: 08.08.2025
Over the past 12 months, households invested 15.1 trn rubles in financial assets (for certain instruments) and increased financial liabilities in form of bank and microfinance companies (MFC) loans by 1.1 trn rubles.
In June 2025 financial investments amounted to 1 276 bln rubles, while loans increased by 36 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 June 2025
- Transferable deposits accounted for the largest growth in households financial assets in June (+509 bln rubles), with interest-bearing transferable deposits accounting for 311 bln rubles. The increase in term deposits in rubles was slightly higher than in May and amounted to 273 bln rubles, but the level of monthly growth in May-June decreased compared to previous months. As a result, the annual growth of deposits amounted to 11.6 trn rubles.
-
Investments in residents long-term debt securities in rubles increased significantly (+129 bln rubles). Growth of funds in resident investment funds units and shares decreased compared to the previous month but remained at a high level (+193 bln rubles).
The annual growth of funds in securities increased to 2.6 trn rubles. -
Funds in escrow accounts increased by 47 bln rubles.
Annual growth slowed down compared to the previous month (+84 bln rubles In June; +478 bln rubles in May).
|
Balance as of 01.07.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.06.2025 | 01.07.2025 | 01.06.2025 | 01.07.2025 | 01.06.2025 | 01.07.2025 | ||
| Currency | 23 247 | −558 | −290 | −49 | 196 | −706 | −510 |
|
National currency |
15 911 | −153 | 75 | −31 | 185 | −610 | −424 |
|
Foreign currency |
7 336 | −405 | −365 | −18 | 11 | −96 | −85 |
| Deposits | 70 375 | 11 917 | 11 595 | 224 | 712 | 3 064 | 3 776 |
|
Transferable deposits with banks |
18 054 | 765 | 925 | −24 | 509 | 14 | 523 |
|
Other deposits with banks |
46 111 | 11 004 | 10 617 | 262 | 258 | 3 076 | 3 334 |
|
Deposits with non-resident banks* |
6 209 | 148 | 54 | −14 | −55 | −26 | −81 |
| Broker accounts of households | 376 | −78 | −41 | −8 | 7 | −33 | −26 |
| Debt securities | 5 017 | 816 | 896 | 19 | 174 | 528 | 702 |
| Listed shares and investment fund units and shares | 17 790 | 1 547 | 1 693 | 388 | 181 | 494 | 675 |
| Insurance, pension and standardized guarantee schemes and pension savings | 8 232 | 1 287 | 1 166 | 115 | −42 | 541 | 499 |
| Escrow accounts of households | 6 595 | 478 | 84 | 209 | 47 | 420 | 467 |
* Estimated value.
Financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Bank and MFC loans In June 2025
- Monthly growth of mortgages reached 138 bln rubles, which is above the May figure. Car loans growth also increased (+38 bln rubles), while consumer loans declined by 48 bln rubles.
- The total annual growth of bank loans decreased to 1.6 trn rubles from 2.5 trn rubles a month earlier. This decrease is driven by a decline in annual growth in all types of loans, with the largest reduction in mortgages (+1.2 trn rubles in June against +1.7 trn rubles in May) and consumer loans (-0.1 trn rubles in June against +0.2 trn rubles in May).
|
Balance as of 01.07.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.06.2025 | 01.07.2025 | 01.06.2025 | 01.07.2025 | 01.06.2025 | 01.07.2025 | ||
| Bank loans | 38 880 | 2 519 | 1 634 | 173 | 120 | 64 | 185 |
|
Mortgage loans* |
20 404 | 1 670 | 1 219 | 123 | 138 | 306 | 444 |
|
Consumer loans* |
14 009 | 199 | −143 | 27 | −48 | −218 | −266 |
|
Car loans |
2 659 | 507 | 458 | 12 | 38 | −9 | 29 |
|
Other loans |
1 109 | −12 | −34 | −26 | −6 | −94 | −99 |
|
Accrued interest claims |
699 | 155 | 135 | 36 | −2 | 79 | 77 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 1 701 | −283 | −314 | −22 | −48 | −116 | −165 |
| Consumer loans sold to specialised financial entities | 767 | −255 | −295 | −38 | −40 | −195 | −234 |
| Loans received from MFC | 331 | 78 | 82 | 13 | 3 | 59 | 63 |
* 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: 08.08.2025
* Including mortgage loans sold to mortgage agents and accounted for repayment.