Financial assets and liabilities of the households sector for certain financial instruments
January 2025
Over the past 12 months, households invested 16.3 trn rubles in certain financial instruments and attracted 4.3 trn rubles of bank loans. In January 2025, financial investments decreased by 428 bln rubles, loans contracted by 192 bln rubles, which is mostly due to seasonal patterns.
Certain financial assets and liabilities of the households sector
(monthly transactions, bln rubles)
Fig. 1
Data on a full range of financial instruments is presented in quarterly publication.
Certain financial assets
- Household deposits in resident banks traditionally declined in January 2025 (−489 bln rubles), in January 2024 the decline was lower and amounted to 261 bln rubles. The main decrease was provided by transferable deposits (−1 053 bln rubles), while other (term) deposits increased by 564 bln rubles amid high interest rates.
- Cash in national currency in January 2025 also seasonally declined by 445 bln rubles.
- Funds in escrow accounts continued to decline in January (−111 bln rubles), although to a lesser extent than a month before (− 583 bln rubles).
|
Balance as of 01.02.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.01.2025 | 01.02.2025 | 01.01.2025 | 01.02.2025 | 01.01.2025 | 01.02.2025 | ||
| Currency | 25 073 | −98 | −142 | 443 | −466 | −98 | −466 |
|
National currency |
16 035 | 262 | 163 | 518 | −445 | 262 | −445 |
|
Foreign currency |
9 039 | −360 | −305 | −75 | −20 | −360 | −20 |
| Deposits | 68 264 | 13 478 | 13 237 | 4 100 | −502 | 13 478 | −502 |
|
Transferable deposits with banks |
16 478 | 1 477 | 1 400 | 1 864 | −1 053 | 1 477 | −1 053 |
|
Other deposits with banks |
43 952 | 11 376 | 11 318 | 2 242 | 564 | 11 376 | 564 |
|
Deposits with non-resident banks* |
7 834 | 625 | 520 | −6 | −12 | 625 | −12 |
| Broker accounts of households | 377 | −138 | −134 | 27 | −49 | −138 | −49 |
| Debt securities | 4 494 | 667 | 696 | 92 | 85 | 667 | 85 |
| Listed shares and investment fund units and shares | 16 860 | 964 | 1 020 | −122 | 119 | 964 | 119 |
| Insurance, pension and standardized guarantee schemes and pension savings | 8 310 | 648 | 1 086 | −111 | 496 | 648 | 496 |
| Escrow accounts of households | 6 017 | 554 | 506 | −583 | −111 | 554 | −111 |
* Estimated value.
Certain financial assets
(rolling 12-month period, transactions, bln rubles)
Fig. 2
Certain financial liabilities
- The volume of mortgage loans over the past 12 months has decreased from its December value and amounted to 2.3 trn rubles. In January 2025 there was the first absolute reduction in mortgages since May 2022 (−39 bln rubles). These dynamics were conditioned on both seasonal patterns and declining demand for mortgage products amid high market rates.
- The growth of consumer loans over the past 12 months totaled 1.4 trn rubles, with a smaller decline in January (−21 bln rubles) compared to December (−261 bln rubles).
|
Balance as of 01.02.2025 bln rubles |
Transactions, bln rubles | ||||||
|---|---|---|---|---|---|---|---|
| Annual | Monthly | From the beginning of the year | |||||
| 01.01.2025 | 01.02.2025 | 01.01.2025 | 01.02.2025 | 01.01.2025 | 01.02.2025 | ||
| Bank loans | 38 746 | 5 016 | 4 684 | −201 | −105 | 5 016 | −105 |
|
Mortgage loans* |
19 996 | 2 429 | 2 264 | 71 | −39 | 2 429 | −39 |
|
Consumer loans* |
14 365 | 1 499 | 1 356 | −261 | −21 | 1 499 | −21 |
|
Car loans |
2 593 | 887 | 842 | 11 | −9 | 887 | −9 |
|
Other loans |
1 163 | 82 | 92 | −25 | −52 | 82 | −52 |
|
Accrued interest claims |
629 | 118 | 131 | 3 | 15 | 118 | 15 |
| Mortgage loans sold to mortgage agents and accounted for repayment | 1 695 | −288 | −349 | −29 | −87 | −288 | −87 |
| Consumer loans sold to specialised financial institutions | 1 022 | ||||||
* Transactions are calculated taking into account the sale of the consumer loans and mortgages portfolio by banks.
Certain financial liabilities
(rolling 12-month period, transactions, bln rubles)
Fig. 3
* Including Mortgage loans sold to mortgage agents and accounted for repayment.