No. 3 BANK OF RUSSIA STATISTICAL BULLETIN Moscow 2026 Dear readers, Please be informed that in 2026 the Bank of Russia Statistical Bulletin will be issued only in an electronic format. All issues of the bulletin are available on the Bank of Russia website at http://www.cbr.ru Bank of Russia Statistical Bulletin No. 3 (394) 2026 The founder — The Central Bank of the Russian Federation 107016, Moscow, Neglinnaya str. , 12, Bldg C The Central Bank of the Russian Federation Internet address: http://www.cbr.ru Tel. 8 (495) 771-45-42, e-mail: bbs@cbr.ru Publisher: Business news agency PRIME © The Central Bank of the Russian Federation, 1994 Contents Bank of Russia Statistical Bulletin No. 3 (394) 1 CONTENTS 1. MAIN MACROECONOMIC AND MONETARY INDICATORS 1.1. Balance of Payments of the Russian Federation*..............................................................................................................................5 1.2. External Debt of the Russian Federation*...........................................................................................................................................7 1.3. External Debt of the Russian Federation in Domestic and Foreign Currency by Maturity*........................................................ 9 1.4. External Debt of the Russian Federation by Maturity and Financial Instruments*...................................................................... 11 1.5. International Investment Position of the Russian Federation. Main Components*.................................................................... 13 1.6. Merchandise Trade of the Russian Federation (per Balance of Payments Methodology).......................................................... 14 1.7. International Reserves of the Russian Federation*.......................................................................................................................... 15 1.8. International Reserves and Foreign Currency Liquidity — Russia................................................................................................... 16 1.9. International Reserves Adequacy (International Reserves in Months of Import)........................................................................ 20 1.10. Money Supply (National Definition).................................................................................................................................................... 21 1.11. Monetary Base (Broad Definition)...................................................................................................................................................... 23 1.12. Central Bank Survey*........................................................................................................................................................................... 25 1.13. Other Depository Corporations Survey............................................................................................................................................. 28 1.14. Depository Corporations Survey*...................................................................................................................................................... 38 1.15. Other Financial Corporations Survey ............................................................................................................................................... 48 1.16. Financial Sector Survey ...................................................................................................................................................................... 50 1.17. Financial assets and liabilities of the Households sector............................................................................................................... 52 1.18. Transactions with financial assets of the Households sector........................................................................................................ 56 2. THE BANK OF RUSSIA BALANCE SHEET. MONETARY POLICY INSTRUMENTS 2.1. The Bank of Russia Balance Sheet.................................................................................................................................................... 60 2.2. The Bank of Russia Key Rate*............................................................................................................................................................ 62 2.3. Required Reserves Ratios................................................................................................................................................................... 63 2.4. Required Reserve Averaging Ratios set by the Bank of Russia..................................................................................................... 65 2.5. Adjustment Ratios for Reservable Liabilities and Required Reserves........................................................................................... 66 2.6. Required Reserves (Averaged Amount) Held by Credit Institutions in Their Correspondent Accounts (Subaccounts) with the Bank of Russia................................................................................. 67 2.7. Interest Rates on Monetary Policy Instruments.............................................................................................................................. 68 2.8. Interest Rates on the Bank of Russia’s Special Facilities.............................................................................................................. 69 2.9. Liquidity Provided by the Bank of Russia through Lending and Repo Operations..................................................................... 70 2.10. Liquidity Placed by Credit Institutions on Deposits and in Bank of Russia Bonds......................................................................72 2.11. Results of Main Bank of Russia Auctions..........................................................................................................................................73 2.12. Results of Bank of Russia Fine-Tuning Auctions............................................................................................................................. 74 2.13. Results of Bank of Russia Long-Term Repo Auctions..................................................................................................................... 75 3. FINANCIAL MARKETS 3.1. Interbank Money Market 3.1.1. Monthly Average Actual Rates on Moscow Banks’ Credits in Rubles (MIACR, MIACR-IG, MIACR-B)............................................................................................................................................... 76 3.1.2. Monthly Average Actual Rates on Moscow Banks’ Credits in US Dollars (MIACR USD)............................................................................................................................................................................77 3.1.3. Weighted Average Actual Rates on Moscow Banks’ Credits in Rubles (MIACR, MIACR-IG, MIACR-B)*.............................................................................................................................................. 78 3.1.4. Weighted Average Actual Rates on Moscow Banks’ Credits in US Dollars (MIACR USD)*.......................................................................................................................................................................... 79 3.1.5. Average Daily Turnover of Interbank Lending (Deposits) and REPO Operations.......................................................... 80 3.1.6. Average Daily Interbank Lending (Deposits) Turnover and REPO Operations by Maturity........................................... 81 3.2. Exchange Rates and Reference Prices of Precious Metals 3.2.1. Official Exchange Rate of US Dollar Against Ruble*.......................................................................................................... 82 3.2.2. Official Exchange Rate of Euro Against Ruble*.................................................................................................................. 84 3.2.3. Official Exchange Rate: Rubles per US Dollar (as of end of month)............................................................................... 86 3.2.4. Monthly Average Official Rates: Rubles per US Dollar...................................................................................................... 87 3.2.5. Reference Prices of Refined Precious Metals..................................................................................................................... 88 3.3. Stock Exchange Trade by Types of Securities and Financial Derivatives..................................................................................... 89 3.4. Main Stock Market Indicators*........................................................................................................................................................... 90 2 Bank of Russia Statistical Bulletin No. 3 (394) Contents 4. FINANCIAL INSTITUTIONS’ PERFORMANCE 4.1. General Description 4.1.1. Quantitative Characteristics of Operating Credit Institutions.......................................................................................... 91 4.1.2. Data on Provisional Administrations Assigned to Credit Institutions Whose Banking Licences Have Been Revoked............................................................................................................................................... 93 4.1.3. Number of Credit Institutions with Nonresidents Equity.................................................................................................. 94 4.1.4. Credit Institutions Grouped by the Share of Nonresidents Equity.................................................................................. 95 4.1.5. Number of Non-credit Financial Institutions, Self-Regulatory Organizations, Other Financial Market Participants and Persons Providing Professional Services in the Financial Market...................................................... 96 4.1.6. Data on Provisional Administrations Assigned to Non-Bank Financial Institutions Whose Licences Have Been Revoked (Cancelled)........................................................................................................................................... 98 4.1.7. Selected Performance Indicators of Credit Institutions (Credit Institutions Ranked by Size of Assets).................... 99 4.1.8. Financial Performance of Credit Institutions.................................................................................................................... 100 4.2. Borrowings 4.2.1. Ruble, Foreign Currency and Precious Metals-Denominated Budget Funds in Accounts of Credit Institutions............................................................................................................................................................. 101 4.2.2. Funds (Deposits) of Individuals Accepted by Credit Institutions....................................................................................102 4.2.3. Funds of Legal Entities Accepted by Credit Institutions.................................................................................................103 4.2.4. Weighted Average Interest Rates on Deposits of Individuals and Nonfinancial Organizations in Rubles.................105 4.2.5. Weighted Average Interest Rates on Deposits of Individuals and Nonfinancial Organizations in US Dollars and Euros........................................................................................................................................................106 4.2.6. Savings (Deposit) Certificates, Bonds and Bills of Exchange Issued by Credit Institutions.......................................108 4.3. Lending 4.3.1. Loans, Deposits, and Other Funds Provided to Corporate Clients, Individuals and Credit Institutions.................... 110 4.3.2. Outstanding Amounts of Loans and Other Funds Granted to Corporate Clients and Individuals by Credit Institutions.............................................................................................................................................................112 4.3.3. Weighted Average Interest Rates on Loans to Individuals in Rubles..............................................................................113 4.3.4. Weighted Average Interest Rates on Loans to Individuals in US Dollars........................................................................114 4.3.5. Weighted Average Interest Rates on Loans to Individuals in Euros................................................................................115 4.3.6. Weighted Average Interest Rates on Loans to Nonfinancial Organizations in Rubles..................................................116 4.3.7. Weighted Average Interest Rates on Loans to Nonfinancial Organizations in US Dollars........................................... 117 4.3.8. Weighted Average Interest Rates on Loans to Nonfinancial Organizations in Euros...................................................118 4.3.9. Loans Extended to Small, Medium-Sized Businesses.......................................................................................................119 4.3.10. Housing Loans Granted to Resident Individuals...............................................................................................................120 4.3.11. Mortgage Loans Granted to Resident Individuals and Acquired Claims Thereon......................................................... 122 4.3.12. Mortgage Loans Granted to Resident Individuals Against the Pledge of Claims Under Share Construction Participation Agreements..........................................................................................124 4.3.13. Investment Portfolio of Credit Institutions........................................................................................................................126 4.4. Credit Institutions’ Claims and Liabilities on Financial Derivatives.............................................................................................. 127 4.5. Main Indicators of Subjects of Collective Investment and Insurance Business Performance 4.5.1. Main Indicators of Private Pension Funds’ Performance.................................................................................................128 4.5.2. Private Pension Funds’ Pension Reserves Generation.....................................................................................................129 4.5.3. Private Pension Funds’ Pension Accruals Flows...............................................................................................................130 4.5.4. Main Indicators of Unit Investment Funds’ Performance................................................................................................ 132 4.5.5. Insurers’ Premiums and Payoffs by Types of Insurance...................................................................................................134 Contents Bank of Russia Statistical Bulletin No. 3 (394) 3 5. SELECTED INDICATORS ON THE RUSSIAN FEDERATION’S PAYMENT SYSTEM 5.1. Selected Indicators on Payment Card Transactions.......................................................................................................................142 5.2. Structure of Funds Transfers Carried Out Through the BRPS......................................................................................................144 6. REGIONAL SECTION1 6.1. Institutional Characteristics 6.1.1. Number of Credit Institutions with Nonresidents Equity.................................................................................................145 6.1.2. Credit Institutions Grouped by the Share of Nonresidents Equity.................................................................................146 6.1.3. Number and Volume of Issues (Additional Issues) of Russian Currency-Denominated Issue-Grade Securities of Russian Issuers (Including Credit Institutions)............................................................................................................. 147 6.1.4. Number and Volume of Issues (Additional Issues) of Foreign Currency-Denominated Bonds of Russian Issuers (Including Bonds of Credit Institutions).............................................................................................................................150 6.2. Borrowings 6.2.1. Ruble, Foreign Currency and Precious Metals-Denominated Funds of Organizations, Deposits and Other Funds of Legal Entities and Individuals..........................................................................................152 6.2.2. Funds of Individual Entrepreneurs......................................................................................................................................156 6.3. Funds Allocations 6.3.1. Volume of Ruble-Denominated Loans to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use................................................................................................................................158 6.3.2. Volume of Foreign Currency-Denominated Loans and Loans in Precious Metals to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use............................................................................162 6.3.3. Outstanding Amount of Loans on Ruble-Denominated Loans to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use............................................................................166 6.3.4. Outstanding Amount of Loans on Foreign Currency-Denominated Loans and Loans in Precious Metals to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use........................170 6.3.5. Overdue Loans on Ruble-Denominated Loans to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use................................................................................................................................ 174 6.3.6. Overdue Loans on Foreign Currency-Denominated Loans in Precious Metals to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use............................................................................ 178 6.3.7. Loans Extended to Small, Medium-Sized Businesses......................................................................................................182 6.3.8. Outstanding Amount of Loans Granted to Resident Individuals....................................................................................186 6.3.9. Selected Indicators of Loans in Rubles Granted to Resident Individuals......................................................................190 6.3.10. Selected Indicators of Loans in Foreign Currency Granted to Resident Individuals....................................................194 6.4. Data on the Activity of Insurers and Private Pension Funds 6.4.1. Insurers’ Premiums and Payoffs...........................................................................................................................................198 6.4.2. Private Pension Funds’ Performance.................................................................................................................................200 7. SUMMARY METHODOLOGY..........................................................................................................................203 1 The data do not include statistics on the Donetsk People’s Republic, the Lugansk People’s Republic, the Zaporozhye Region and the Kherson Region. 4 Bank of Russia Statistical Bulletin No. 3 (394) Contents The procedure for publication of some table indicators marked with (*) is in compliance with the IMF Special Data Dissemination Standard (SDDS). Symbols and notes: – nil . . . not available 0.0 and 0.00 — nonsignificant volume X — data are not published In some cases minor discrepancies between totals and sums of items are due to rounding. Figures in bold are revisions to previously published data. The Bank of Russia Statistical Bulletin on the Internet is available on the Bank of Russia Internet website http://www.cbr.ru. 1. MAIN MACROECONOMIC AND MONETARY INDICATORS 1. Main Macroeconomic and Monetary Indicators Table 1.1 Balance of Payments of the Russian Federation (Analytical Presentation) (millions of US dollars) Q1 2024 Q2 2024 Q3 2024 Q4 2024 2024 Q1 2025 Q2 2025 Q3 2025 CURRENT ACCOUNT 24,515 16,733 7,575 13,751 62,575 18,160 4,580 9,451 Goods 34,845 35,196 30,474 31,571 132,086 30,325 25,796 32,443 Exports 101,878 106,417 109,089 116,250 433,634 96,720 100,500 108,324 Imports 67,033 71,221 78,615 84,679 301,548 66,395 74,704 75,881 Services –6,770 –9,266 –12,426 –9,949 –38,410 –7,620 –12,647 –14,856 Exports 10,731 10,000 10,918 11,402 43,052 10,282 11,994 12,241 Transport 3,492 3,447 3,506 3,493 13,938 3,264 3,493 3,544 Travel 1,606 2,076 2,208 1,753 7,643 1,752 2,576 2,463 Other services 5,633 4,477 5,205 6,156 21,471 5,266 5,925 6,235 Imports 17,501 19,266 23,344 21,351 81,462 17,902 24,641 27,098 Transport 3,509 3,750 3,788 3,824 14,872 3,564 3,921 3,898 Travel 7,433 9,299 12,610 9,515 38,858 8,541 11,875 15,798 Other services 6,559 6,216 6,946 8,011 27,732 5,796 8,845 7,401 Compensation of employees –1,397 –1,702 –1,723 –1,540 –6,363 –1,485 –2,061 –1,987 Investment income –1,276 –6,812 –8,046 –4,961 –21,096 –1,962 –5,111 –4,131 Receivable 6,374 5,097 5,546 5,737 22,755 4,871 5,420 6,467 Payable 7,650 11,909 13,592 10,698 43,851 6,833 10,531 10,598 Bank of Russia Statistical Bulletin Direct investment –3,035 –5,745 –5,332 –3,848 –17,960 –3,613 –4,436 –1,739 Receivable 2,641 1,738 1,638 2,044 8,061 1,293 1,184 2,505 Payable 5,676 7,483 6,970 5,892 26,021 4,906 5,620 4,244 Portfolio investment –463 –2,614 –5,248 –2,781 –11,105 –587 –2,994 –5,251 Receivable 394 288 360 278 1,320 206 253 119 Payable 856 2,902 5,608 3,059 12,425 793 3,247 5,370 No. 3 (394) Other investment 2,222 1,546 2,533 1,668 7,969 2,238 2,319 2,859 Receivable 3,340 3,071 3,548 3,415 13,374 3,372 3,984 3,843 Payable 1,118 1,525 1,015 1,747 5,404 1,134 1,664 984 Rent 11 9 11 22 53 9 7 4 Secondary income –898 –692 –714 –1,391 –3,695 –1,107 –1,404 –2,022 CAPITAL ACCOUNT –46 –104 –74 –35 –258 –53 –96 –132 5 Table 1.1 (end) 6 (millions of US dollars) Q1 2024 Q2 2024 Q3 2024 Q4 2024 2024 Q1 2025 Q2 2025 Q3 2025 Balance from current and capital accounts 24,469 16,630 7,501 13,717 62,317 18,107 4,485 9,319 Balance from financial account 22,162 9,237 5,764 15,603 52,767 10,707 395 7,633 No. 3 (394) Bank of Russia Statistical Bulletin Direct investment 5,521 876 322 2,462 9,180 –3,940 –7,800 1,760 Net acquisition of financial assets –266 –1,178 –1,911 3,185 –170 1,595 –633 1,034 Equity and investment fund shares 3,408 –195 14 1,186 4,412 812 521 1,117 Debt instruments –3,674 –982 –1,925 1,998 –4,583 783 –1,154 –83 Net incurrence of liabilities –5,787 –2,053 –2,234 723 –9,350 5,535 7,166 –726 Equity and investment fund shares –643 55 1,454 3,957 4,823 2,444 4,439 193 Debt instruments –5,144 –2,108 –3,688 –3,234 –14,173 3,091 2,728 –920 Portfolio investment –424 542 –1,054 921 –15 –751 –830 1,648 Net acquisition of financial assets –805 –737 –3,606 –2,663 –7,811 –60 –1,197 2,510 Equity and investment fund shares 704 378 –184 –183 715 –3 –13 2,690 Debt securities –1,509 –1,116 –3,422 –2,479 –8,526 –57 –1,184 –180 Net incurrence of liabilities –381 –1,279 –2,552 –3,584 –7,796 691 –367 862 Equity and investment fund shares –28 –436 –2,001 9 –2,455 282 –305 23 Debt securities –353 –843 –552 –3,593 –5,341 409 –63 839 Financial derivatives (other than reserves) and employee stock options 484 114 547 901 2,045 801 44 120 Net acquisition of financial assets –320 –463 –424 –248 –1,454 –445 –602 –323 Net incurrence of liabilities –804 –577 –970 –1,149 –3,499 –1,246 –645 –443 Other investment 23,490 9,028 9,156 3,680 45,354 20,466 12,402 9,709 Net acquisition of financial assets 26,179 15,777 17,217 16,059 75,230 18,492 8,108 4,722 1. Main Macroeconomic and Monetary Indicators Other equity –3 0 –6 1 –8 –1 0 6 Loans, currency and deposits 17,225 7,226 5,814 –1,448 28,818 16,596 624 5,168 Other accounts receivable 8,956 8,551 11,409 17,505 46,421 1,896 7,484 –452 Net incurrence of liabilities 2,689 6,749 8,060 12,378 29,876 –1,975 –4,294 –4,987 Other equity 0 0 3 –1 2 –3 –174 –8 Loans, currency and deposits –4,772 1,643 6,075 161 3,108 –4,933 –3,909 3,422 Other accounts payable 7,466 5,104 1,991 12,238 26,798 2,971 –209 –8,399 Special drawing rights –5 2 –10 –19 –32 –10 –2 –2 Reserve assets –6,908 –1,322 –3,207 7,639 –3,797 –5,870 –3,421 –5,604 Net errors and omissions –2,307 –7,393 –1,737 1,887 –9,550 –7,400 –4,090 –1,687 Note. Minor discrepances between the total and the sum of components are due to the rounding of data. Table 1.2 1. Main Macroeconomic and Monetary Indicators External Debt of the Russian Federation (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Total 318,289 308,711 317,363 309,212 289,750 312,538 322,394 308,064 General Government 32,710 31,776 32,264 30,444 19,324 21,983 23,432 23,459 Federal Government 32,703 31,769 32,261 30,441 19,322 21,982 23,431 23,459 New Russian Debt 32,469 31,538 32,029 30,209 19,090 21,750 23,197 23,224 Loans 1,115 1,083 1,175 1,079 987 1,192 1,269 1,204 Foreign currency bonds 14,808 14,724 14,602 14,399 9,099 9,102 9,248 9,351 Eurobonds 14,767 14,692 14,570 14,375 9,083 9,089 9,235 9,339 Eurobonds (related to the second London Club debt restructuring) 41 32 32 24 15 13 13 12 Ruble denominated bonds 16,537 15,720 16,243 14,720 8,995 11,446 12,669 12,659 OFZ 16,537 15,720 16,243 14,720 8,995 11,446 12,669 12,659 Eurobonds 0 0 0 0 0 0 0 0 Other 10 10 10 10 10 10 10 10 Debt of the former USSR 233 232 232 232 232 232 235 235 Local Government 7 7 3 3 2 0 0 0 Loans 0 0 0 0 0 0 0 0 Foreign currency bonds 0 0 0 0 0 0 0 0 Ruble denominated bonds 7 7 3 3 2 0 0 0 Bank of Russia Statistical Bulletin 7 No. 3 (394) Table 1.2 (end) 8 (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Central bank and banks 94,756 90,888 97,706 100,685 95,737 101,427 105,355 108,505 Debt liabilities to direct investors and to direct investment enterprises 3,451 3,197 3,045 2,012 2,001 1,929 685 688 No. 3 (394) Bank of Russia Statistical Bulletin Debt securities 1,345 1,483 1,759 1,376 1,316 1,714 1,852 1,634 Loans, currency and deposits 62,485 59,264 65,876 69,835 66,323 70,736 73,909 76,085 Other 27,475 26,944 27,026 27,461 26,097 27,047 28,910 30,098 Other sectors 190,824 186,047 187,393 178,083 174,689 189,128 193,607 176,100 Debt liabilities to direct investors and to direct investment enterprises 69,065 62,129 60,338 55,821 48,535 53,188 57,620 53,932 Debt securities 2,792 2,331 2,409 2,417 2,072 2,592 2,626 2,884 Loans, currency and deposits 91,233 86,649 84,541 77,677 70,523 72,539 72,034 68,322 Other 27,734 34,938 40,105 42,168 53,560 60,810 61,327 50,962 Notes. Included is the indebtedness in domestic and foreign currencies. Only non-resident holdings of government securities are reported. Data are presented at face value. Debt securities of other sectors are stated at face value. Data on Banks includes data of State Development Corporation VEB.RF. 1. Main Macroeconomic and Monetary Indicators Table 1.3 1. Main Macroeconomic and Monetary Indicators External Debt of the Russian Federation in Domestic and Foreign Currency by Maturity (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Total 318,289 308,711 317,363 309,212 289,750 312,538 322,394 308,064 Foreign Currency 213,574 207,593 203,848 199,715 183,551 185,471 185,930 177,844 Domestic Currency 104,714 101,117 113,515 109,496 106,199 127,068 136,464 130,220 General Government 32,710 31,776 32,264 30,444 19,324 21,983 23,432 23,459 Foreign Currency 16,166 16,049 16,018 15,721 10,327 10,536 10,762 10,800 Short-term 10 10 10 10 10 10 10 10 Long-term 16,156 16,039 16,009 15,710 10,318 10,527 10,752 10,790 Domestic Currency 16,544 15,727 16,246 14,723 8,997 11,446 12,670 12,659 Short-term 0 0 0 0 0 0 0 0 Long-term 16,544 15,727 16,246 14,723 8,997 11,446 12,670 12,659 Central bank and banks (excluding debt liabilities to direct investors and 91,305 87,692 94,661 98,673 93,736 99,498 104,670 107,817 to direct investment enterprises) Foreign Currency 54,026 51,840 51,621 51,280 45,596 43,570 45,066 46,552 Short-term 13,207 11,833 13,374 15,535 12,004 9,876 10,657 12,640 Long-term 40,820 40,007 38,247 35,745 33,592 33,694 34,409 33,912 Domestic Currency 37,279 35,852 43,040 47,393 48,140 55,928 59,604 61,265 Short-term 34,757 33,394 40,371 45,041 45,769 53,236 56,779 58,605 Long-term 2,521 2,457 2,669 2,352 2,371 2,692 2,825 2,660 Bank of Russia Statistical Bulletin 9 No. 3 (394) Table 1.3 (end) 10 (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Other sectors (excluding debt liabilities to direct investors and to direct 121,758 123,918 127,054 122,262 126,155 135,941 135,987 122,168 investment enterprises) No. 3 (394) Bank of Russia Statistical Bulletin Foreign Currency 88,876 91,003 89,099 87,938 87,923 89,655 87,457 78,543 Short-term 18,231 23,359 24,408 25,671 30,907 33,339 32,009 25,702 Long-term 70,645 67,644 64,691 62,267 57,016 56,316 55,448 52,841 Domestic Currency 32,882 32,914 37,956 34,324 38,231 46,286 48,529 43,625 Short-term 18,063 19,274 23,635 21,122 26,787 32,659 35,056 31,026 Long-term 14,819 13,641 14,321 13,201 11,444 13,627 13,474 12,599 Banks and other sectors – debt liabilities to direct investors and to direct 72,516 65,326 63,384 57,833 50,536 55,117 58,306 54,620 investment enterprises Foreign Currency 54,506 48,701 47,109 44,777 39,704 41,709 42,645 41,949 Domestic Currency 18,010 16,625 16,275 13,056 10,832 13,408 15,661 12,671 Notes. Included is the indebtedness in domestic and foreign currencies. Only non-resident holdings of government securities are reported. Data are presented at face value. Debt securities of other sectors are stated at face value. Data on Banks includes data of State Development Corporation VEB.RF. 1. Main Macroeconomic and Monetary Indicators Table 1.4 1. Main Macroeconomic and Monetary Indicators External Debt of the Russian Federation by Maturity and Financial Instruments (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Total Liabilities 318,289 308,711 317,363 309,212 289,750 312,538 322,394 308,064 Short-term 90,762 93,851 106,744 110,436 117,035 133,957 141,220 133,500 Long-term 227,527 214,860 210,619 198,776 172,715 178,581 181,174 174,564 General Government 32,710 31,776 32,264 30,444 19,324 21,983 23,432 23,459 Short-term 10 10 10 10 10 10 10 10 Debt securities 0 0 0 0 0 0 0 0 Loans, currency and deposits 0 0 0 0 0 0 0 0 Other liabilities 10 10 10 10 10 10 10 10 Long-term 32,700 31,766 32,254 30,434 19,314 21,973 23,421 23,449 Debt securities 31,352 30,451 30,848 29,122 18,095 20,548 21,917 22,010 Loans, currency and deposits 1,348 1,315 1,407 1,311 1,219 1,425 1,504 1,439 Other liabilities 0 0 0 0 0 0 0 0 Central bank and banks (excluding debt liabilities to direct investors and 91,305 87,692 94,661 98,673 93,736 99,498 104,670 107,817 to direct investment enterprises) Short-term 47,964 45,227 53,745 60,576 57,773 63,112 67,436 71,245 Debt securities 1 1 5 6 0 0 0 0 Loans, currency and deposits 44,666 42,193 50,439 57,569 55,355 60,504 63,770 66,425 Other liabilities 3,297 3,033 3,301 3,001 2,417 2,607 3,666 4,820 Long-term 43,341 42,465 40,916 38,097 35,963 36,386 37,234 36,573 Bank of Russia Statistical Bulletin Debt securities 1,344 1,482 1,753 1,371 1,316 1,714 1,852 1,634 Loans, currency and deposits 17,474 16,735 15,101 11,918 10,642 9,898 9,771 9,295 Other liabilities 24,523 24,248 24,062 24,808 24,005 24,775 25,611 25,644 11 No. 3 (394) Table 1.4 (end) 12 (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Other sectors (excluding debt liabilities to direct investors and to direct 121,758 123,918 127,054 122,262 126,155 135,941 135,987 122,168 investment enterprises) No. 3 (394) Bank of Russia Statistical Bulletin Short-term 36,294 42,633 48,043 46,793 57,694 65,998 67,065 56,728 Debt securities 187 34 39 95 64 136 143 186 Loans, currency and deposits 8,374 7,661 7,899 4,530 4,069 5,052 5,595 5,580 Other liabilities 27,734 34,938 40,105 42,168 53,560 60,810 61,327 50,962 Long-term 85,464 81,285 79,011 75,469 68,461 69,943 68,922 65,440 Debt securities 2,605 2,298 2,370 2,322 2,007 2,456 2,482 2,698 Loans, currency and deposits 82,859 78,987 76,642 73,147 66,453 67,487 66,440 62,742 Other liabilities 0 0 0 0 0 0 0 0 Direct investment 72,516 65,326 63,384 57,833 50,536 55,117 58,306 54,620 Banks 3,451 3,197 3,045 2,012 2,001 1,929 685 688 Direct investor in direct investment enterprises 37 36 36 34 83 108 109 106 Direct investment enterprises in direct investor (reverse investment) 26 6 2 2 6 5 6 9 Between fellow enterprises 3,388 3,155 3,007 1,976 1,912 1,816 570 573 Other sectors 69,065 62,129 60,338 55,821 48,535 53,188 57,620 53,932 Direct investor in direct investment enterprises 24,900 24,546 23,295 20,077 16,546 17,882 18,842 16,984 Direct investment enterprises in direct investor (reverse investment) 34,940 30,558 30,664 29,932 26,803 29,712 32,930 32,273 Between fellow enterprises 9,225 7,025 6,379 5,811 5,186 5,594 5,848 4,675 1. Main Macroeconomic and Monetary Indicators Notes. Included is the indebtedness in domestic and foreign currencies. Only non-resident holdings of government securities are reported. Data are presented at face value. Debt securities of other sectors are stated at face value. Data on Banks includes data of State Development Corporation VEB.RF. Table 1.5 1. Main Macroeconomic and Monetary Indicators International Investment Position of the Russian Federation. 1 Main Components (millions of US dollars) 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Net International Investment Position 856,450 875,461 873,878 944,810 949,738 948,181 995,521 1,058,926 Assets 1,554,063 1,552,216 1,561,295 1,581,491 1,546,601 1,637,937 1,706,174 1,720,850 Direct investment 315,349 304,818 298,892 283,244 271,520 286,248 292,992 279,197 Equity and investment fund shares 247,645 241,641 234,921 222,845 213,450 224,440 230,709 220,077 Debt instruments 67,704 63,177 63,971 60,399 58,070 61,808 62,283 59,120 Portfolio investment 67,951 68,754 61,424 50,704 48,953 50,333 52,129 56,091 Equity and investment fund shares 29,779 33,021 30,369 26,399 25,613 26,170 28,473 33,001 Debt securities 38,172 35,732 31,055 24,306 23,340 24,163 23,656 23,090 Financial derivatives (other than reserves) and employee stock options 393 388 329 305 255 191 136 77 Other investment 571,778 587,883 607,152 613,500 616,805 653,809 672,186 672,185 Other equity 8,590 8,575 8,568 8,590 8,555 8,570 8,602 8,603 Loans, currency and deposits 409,603 422,231 431,926 436,098 426,972 452,565 459,211 459,962 Other accounts receivable 153,586 157,077 166,658 168,812 181,277 192,674 204,372 203,620 Reserve assets 598,592 590,374 593,498 633,737 609,068 647,358 688,731 713,301 Liabilities 697,613 676,756 687,417 636,681 596,863 689,756 710,653 661,924 Direct investment 334,801 315,767 315,118 279,799 257,910 310,368 327,647 300,477 Equity and investment fund shares 262,285 250,441 251,735 221,966 207,374 255,251 269,341 245,857 Debt instruments 72,516 65,326 63,384 57,833 50,536 55,117 58,306 54,620 Bank of Russia Statistical Bulletin Portfolio investment 148,190 147,979 149,170 134,560 117,849 142,835 141,265 130,770 Equity and investment fund shares 115,612 116,584 118,427 108,675 100,580 121,563 117,914 106,670 Debt securities 32,578 31,395 30,743 25,885 17,269 21,272 23,352 24,100 Financial derivatives (other than reserves) and employee stock options 800 449 453 426 234 173 156 84 Other investment 213,822 212,560 222,676 221,896 220,870 236,380 241,585 230,593 No. 3 (394) Other equity 3,537 3,440 3,711 3,433 3,139 3,813 3,891 3,677 Loans, currency and deposits 154,721 146,891 151,487 148,475 137,739 144,365 147,080 145,480 Other accounts payable 31,193 38,182 43,588 45,366 56,336 64,111 65,704 56,585 Special drawing rights (Net incurrence of liabilities) 24,371 24,046 23,889 24,622 23,657 24,091 24,910 24,850 1 The International Investment Position of Russia is compiled on the basis of the methodology set out in the 6th edition of the IMF’s Balance of Payments and International Investment Position Manual (BPM6). 13 Note. Minor discrepances between the total and the sum of components are due to the rounding of data. Table 1.6 14 Merchandise Trade of the Russian Federation (per Balance of Payments Methodology) (millions of US dollars) Exports (FOB) Imports (FOB) Trade balance No. 3 (394) Bank of Russia Statistical Bulletin of which of which of which % of the % of the corresponding % of the % of the corresponding % of the % of the total total total period of the with non-CIS corresponding with CIS corresponding period of the with non-CIS corresponding with CIS corresponding with non-CIS with CIS previous year countries period of the countries period of the previous year countries period of the countries period of the countries countries previous year previous year previous year previous year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 2022 592,077 119.8 х х х х 276,510 91.8 х х х х 315,567 х х 2023 424,748 71.7 х х х х 303,086 109.6 х х х х 121,662 х х 2024 433,634 102.1 х х х х 301,548 99.5 х х х х 132,086 х х 2025 422,074 97.3 х х х х 304,975 101.1 х х х х 117,099 х х 2025 Q1 97,130 95.3 х х х х 66,391 99.0 х х х х 30,739 х х Q2 100,084 94.0 х х х х 74,701 104.9 х х х х 25,383 х х Q3 110,026 100.9 х х х х 76,082 96.8 х х х х 33,944 х х Q4 114,835 98.8 х х х х 87,802 103.7 х х х х 27,033 х х January 29,899 104.5 х х х х 22,568 105.2 х х х х 7,332 х х February 31,769 100.0 х х х х 20,652 90.5 х х х х 11,117 х х March 35,462 85.4 х х х х 23,172 101.9 х х х х 12,290 х х April 33,594 98.6 х х х х 25,490 113.4 х х х х 8,104 х х May 33,445 91.2 х х х х 24,927 101.0 х х х х 8,519 х х 1. Main Macroeconomic and Monetary Indicators June 33,044 92.6 х х х х 24,284 100.9 х х х х 8,760 х х July 38,402 107.7 х х х х 25,755 100.2 х х х х 12,647 х х August 32,648 94.3 х х х х 24,635 94.9 х х х х 8,013 х х September 38,976 100.4 х х х х 25,692 95.3 х х х х 13,285 х х October 37,408 99.9 х х х х 26,465 93.3 х х х х 10,942 х х November 33,577 85.6 х х х х 27,325 101.5 х х х х 6,252 х х December 43,850 110.8 х х х х 34,011 115.7 х х х х 9,839 х х 2026 January 27,489 91.9 х х х х 20,891 92.6 х х х х 6,597 х х Notes. Data on merchandise trade can be updated (mainly during one year after its first release). Certain discrepancies between the total and the sum of components are due to the rounding of data. ‘x’ — the publication of statistics by group of countries has been suspended. 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 15 Table 1.7 International Reserves of the Russian Federation1 (millions of US dollars) Of which of which Date International reserves foreign exchange reserve position gold reserves foreign exchange SDRs in IMF 1 2 3 4 5 6 7 2023 31.12 598,592 442,734 414,244 23,539 4,951 155,858 2024 31.01 585,448 433,931 405,596 23,412 4,923 151,516 29.02 582,636 430,115 401,988 23,245 4,882 152,521 31.03 590,374 424,335 396,186 23,264 4,885 166,039 30.04 597,911 422,015 393,916 23,234 4,865 175,896 31.05 599,040 423,163 395,089 23,218 4,856 175,877 30.06 593,498 418,972 390,981 23,150 4,841 174,527 31.07 602,050 422,457 394,092 23,460 4,904 179,593 31.08 613,715 424,901 396,302 23,659 4,940 188,814 30.09 633,737 433,973 405,081 23,902 4,990 199,764 31.10 631,573 423,874 395,427 23,535 4,912 207,699 30.11 616,486 418,342 390,350 23,163 4,829 198,144 31.12 609,068 413,361 385,567 23,000 4,794 195,707 2025 31.01 620,764 414,239 386,377 23,057 4,805 206,526 28.02 632,355 414,971 387,128 23,045 4,798 217,384 31.03 647,358 418,407 390,071 23,454 4,882 228,950 30.04 680,271 433,234 404,242 23,997 4,995 247,036 31.05 680,379 432,168 403,276 23,918 4,973 248,211 30.06 688,731 440,012 410,682 24,282 5,048 248,719 31.07 681,489 432,970 403,974 24,006 4,990 248,519 31.08 689,458 434,486 405,311 24,159 5,017 254,971 30.09 713,301 431,087 401,795 24,256 5,036 282,213 31.10 725,841 426,020 396,929 24,091 5,001 299,821 30.11 734,588 423,867 394,883 24,005 4,979 310,720 31.12 754,853 428,317 399,033 24,254 5,030 326,537 2026 31.01 833,572 430,867 401,252 24,528 5,086 402,706 28.02 809,308 425,283 395,931 24,315 5,037 384,025 1 International Reserves are compiled on the basis of the methodology set out in the 6th edition of the IMF’s Balance of Payments and International Investment Position Manual (BPM6) and the IMF’s International Reserves and Foreign Currency Liquidity: Guidelines for a Data Template (2012). 16 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.8 International Reserves and Foreign Currency Liquidity — Russia I. Official Reserves Assets and Other Foreign Currency Assets (Approximate Market Value) (millions of US dollars, end of period) 28.02.2026 A. Official reserves assets 809,308.3 (1) foreign currency reserves (in convertible foreign currencies) 395,334.7 (a) securities х of which: issuer headquartered in reporting country but located abroad — (b) total currency and deposits with: х (i) other national central banks, BIS and IMF х (ii) banks headquartered in the reporting country — of which: located abroad — (iii) banks headquartered outside the reporting country х of which: located in the reporting country — (2) IMF reserve position 5,037.3 (3) SDRs 24,314.9 (4) gold 384,025.2 — volume in millions of fine troy ounces 74.3 (5) other reserve assets (specify) 596.1 — financial derivatives — — loans to nonbank nonresidents — — other (assets in the form of reverse repo and other accounts receivable) 596.1 B. Other foreign currency assets (specify) — — securities not included in official reserve assets — — deposits not included in official reserve assets — — loans not included in official reserve assets — — financial derivatives not included in official reserve assets — — gold not included in official reserve assets — — other — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 17 Table 1.8 (cont.) II. Predetermined short-term net drains on foreign currency assets (nominal value) (millions of US dollars) 28.02.2026 Maturity breakdown (residual maturity) Total more than more than 1 and up to 1 month 3 months and up to 3 months up to 1 year 1. Foreign currency loans, securities, and deposits1 0.0 0.0 0.0 0.0 — outflows (–), principal 0.0 0.0 0.0 0.0 — outflows (–), interest 0.0 0.0 0.0 0.0 — inflows (+), principal 0.0 0.0 0.0 0.0 — inflows (+), interest 0.0 0.0 0.0 0.0 2. Aggregate short and long positions in forwards and futures in foreign currencies — — — — vis-à-vis the domestic currency (including the forward leg of currency swaps) (a) short positions (–) — — — — (b) long positions (+) — — — — 3. Other (specify) –368.8 –368.8 — — — outflows related to repos (–) — — — — — inflows related to reverse repos (+) — — — — — trade credit (–) — — — — — trade credit (+) — — — — — other accounts payable (–) –368.8 –368.8 — — — other accounts receivable (+) — — — — 1 Starting from 01.07.2022 zero values are indicated, as no outflow of funds in foreign currency is expected (Order of the Ministry of Finance of 22.06.2022 No. 240 ‘On the Temporary Procedure for the Execution of State Debt Obligations of the Russian Federation on State Securities of the Russian Federation, the denominated value of which is indicated in foreign currency’). 18 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.8 (cont.) III. Contingent short-term net drains on foreign currency assets (nominal value) (millions of US dollars) 28.02.2026 Maturity breakdown (residual maturity, where applicable) Total more than more than 1 and up to 1 month 3 months and up to 3 months up to 1 year 1. Contingent liabilities in foreign currency — — — — (a) сollateral guarantees on debt falling due within 1 year — — — — (b) other contingent liabilities — — — — 2. Foreign currency securities issued with embedded options (puttable bonds) — — — — 3. Undrawn, unconditional credit lines provided by: — — — — (a) other national monetary authorities, BIS, IMF, and other international — — — — organizations — other national monetary authorities (+) — — — — — BIS (+) — — — — — IMF (+) — — — — — other international organizations (+) — — — — (b) with banks and other financial institutions headquartered — — — — in the reporting country (+) (c) with banks and other financial institutions headquartered — — — — outside the reporting country (+) 4. Undrawn, unconditional credit lines provided to: — — — — (a) other national monetary authorities, BIS, IMF, and other international — — — — organizations — other national monetary authorities (–) — — — — — BIS (–) — — — — — IMF (–) — — — — — other international organizations (–) — — — — (b) banks and other financial institutions headquartered — — — — in reporting country (–) (c) banks and other financial institutions headquartered — — — — outside the reporting country (–) 5. Aggregate short and long positions of options in foreign currencies — — — — vis-à-vis the domestic currency (a) short positions — — — — (i) bought puts — — — — (ii) written calls — — — — (b) long positions — — — — (i) bought calls — — — — (ii) written puts — — — — PRO MEMORIA: In-the-money options — — — — (1) At current exchange rate — — — — (a) short position — — — — (b) long position — — — — (2) +5% (depreciation of 5%) — — — — (a) short position — — — — (b) long position — — — — (3) –5% (appreciation of 5%) — — — — (a) short position — — — — (b) long position — — — — (4) +10% (depreciation of 10%) — — — — (a) short position — — — — (b) long position — — — — (5) –10% (appreciation of 10%) — — — — (a) short position — — — — (b) long position — — — — (6) Other (specify) — — — — (a) short position — — — — (b) long position — — — — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 19 Table 1.8 (end) IV. Memo items (millions of US dollars) 28.02.2026 (1) To be reported with standard periodicity and timeliness: (a) short-term domestic currency debt indexed to the exchange rate — (b) financial instruments denominated in foreign currency and settled by other means (e.g., in domestic currency) — — derivatives (forwards, futures, or options contracts) — — short positions — — long positions — — other instruments — (c) pledged assets — — included in reserve assets — — included in other foreign currency assets — (d) securities lent and on repo 226.0 — lent or repoed and included in Section I — — lent or repoed but not included in Section I — — borrowed or acquired and included in Section I — — borrowed or acquired but not included in Section I 226.0 (e) financial derivative assets (net, marked to market) — — forwards — — futures — — swaps — — options — — other — (f) derivatives (forward, futures, or options contracts) that have a residual maturity greater than one year — — aggregate short and long positions in forwards and futures in foreign currencies vis-à-vis the domestic currency — (including the forward leg of currency swaps) (a) short positions (–) — (b) long positions (+) — — aggregate short and long positions of options in foreign currencies vis-à-vis the domestic currency — (a) short positions — (i) bought puts — (ii) written calls — (b) long positions — (i) bought calls — (ii) written puts — (2) To be disclosed at least once a year: (a) currency composition of reserves (by groups of currencies)1 — — currencies in SDR basket2 — — currencies not in SDR basket — — by individual currencies (optional) — 1 Data is presented at the end of the quarter. 2 Additionally included are gold, SDRs and IMF reserve position. 20 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.9 International Reserves Adequacy (International Reserves in Months of Import) Period Actual amount of the international reserves expressed in months of import1 1 2 Q1 2015 10.8 Q2 2015 12.3 Q3 2015 14.3 Q4 2015 15.7 Q1 2016 17.2 Q2 2016 17.8 Q3 2016 18.2 Q4 2016 17.0 Q1 2017 17.2 Q2 2017 16.7 Q3 2017 16.4 Q4 2017 15.9 Q1 2018 16.2 Q2 2018 15.8 Q3 2018 15.9 Q4 2018 16.4 Q1 2019 17.2 Q2 2019 18.3 Q3 2019 18.5 Q4 2019 18.9 Q1 2020 19.2 Q2 2020 20.5 Q3 2020 22.3 Q4 2020 23.5 Q1 2021 22.4 Q2 2021 21.3 Q3 2021 20.6 Q4 2021 20.1 Q1 2022 18.8 Q2 2022 19.2 Q3 2022 18.3 Q4 2022 20.1 Q1 2023 20.2 Q2 2023 18.5 Q3 2023 17.7 Q4 2023 18.9 Q1 2024 19.0 Q2 2024 19.4 Q3 2024 20.4 Q4 2024 19.1 Q1 2025 20.3 Q2 2025 21.1 Q3 2025 21.8 Q4 2025 22.7 1 According to international practice, the minimum reserve adequacy benchmark is three months. Table 1.10 1. Main Macroeconomic and Monetary Indicators Money Supply (National Definition) (billions of rubles) Including Including Cash nonfinancial organizations, Monetary aggregate М1 nonfinancial organizations, (M0 monetary Transferable deposits Other deposits Date households financial institutions (1+2) households financial institutions aggregate) (except for credit ones) (except for credit ones) 1 2 3 4 5 6 7 8 2024 31.12 17,274.0 34,441.5 17,531.2 16,910.2 51,715.5 65,540.9 39,384.0 26,156.9 2025 31.01 16,807.3 34,257.5 16,478.2 17,779.3 51,064.8 65,513.0 39,987.5 25,525.5 28.02 16,635.3 34,951.4 16,790.2 18,161.2 51,586.7 66,110.9 40,805.3 25,305.6 31.03 16,396.8 34,738.1 16,800.3 17,937.8 51,134.9 65,364.1 41,452.6 23,911.5 30.04 16,539.3 34,491.7 17,568.8 16,922.9 51,031.1 66,506.1 42,246.2 24,259.9 31.05 16,506.8 34,875.1 17,544.9 17,330.1 51,381.9 66,829.5 42,502.4 24,327.1 30.06 16,701.5 35,709.9 18,054.3 17,655.7 52,411.4 66,677.3 42,774.0 23,903.2 31.07 16,938.9 35,597.2 18,333.3 17,263.9 52,536.1 67,501.1 43,198.6 24,302.5 31.08 17,154.3 35,728.0 18,359.0 17,369.0 52,882.4 68,684.5 43,344.5 25,340.0 30.09 17,275.9 35,743.9 18,408.8 17,335.1 53,019.8 68,240.8 43,328.4 24,912.5 31.10 17,406.2 36,023.6 18,391.9 17,631.7 53,429.8 69,635.8 44,056.1 25,579.7 30.11 17,488.3 36,439.6 18,189.7 18,249.9 53,927.9 70,787.8 44,223.8 26,564.0 31.12 18,234.2 37,679.9 20,378.4 17,301.5 55,914.1 73,714.6 45,751.1 27,963.5 2026 Bank of Russia Statistical Bulletin 31.01 17,853.9 37,034.0 18,766.1 18,267.8 54,887.9 72,968.6 46,231.5 26,737.2 28.02 18,095.2 38,550.8 19,590.7 18,960.1 56,646.0 74,430.5 46,705.2 27,725.3 21 No. 3 (394) Table 1.10 (end) 22 М2 Money supply, Money supply growth rates, % billions of rubles Date (5+6) to previous month to beginning of the year to month of year ago 9 10 11 12 2024 No. 3 (394) Bank of Russia Statistical Bulletin 31.12 117,256.4 5.6 19.2 19.2 2025 31.01 116,577.8 –0.6 –0.6 19.2 28.02 117,697.6 1.0 0.4 18.4 31.03 116,499.0 –1.0 –0.6 17.0 30.04 117,537.1 0.9 0.2 14.0 31.05 118,211.4 0.6 0.8 15.3 30.06 119,088.7 0.7 1.6 15.0 31.07 120,037.2 0.8 2.4 15.0 31.08 121,566.9 1.3 3.7 14.4 30.09 121,260.6 –0.3 3.4 12.7 31.10 123,065.6 1.5 5.0 13.0 30.11 124,715.8 1.3 6.4 12.3 31.12 129,628.7 3.9 10.6 10.6 2026 31.01 127,856.5 –1.4 –1.4 9.7 28.02 131,076.5 2.5 1.1 11.4 1. Main Macroeconomic and Monetary Indicators Table 1.11 1. Main Macroeconomic and Monetary Indicators Monetary Base (Broad Definition) (billions of rubles) Including Date Broad monetary base currency issued correspondent account balances credit institutions balances the Bank of Russia bonds (OBRs) (including cash in vaults of credit institutions required reserves on the deposit accounts held by banks1 of credit institutions) with the Bank of Russia with the Bank of Russia 31.12.2016 11,882.7 8,789.8 1,822.7 484.7 785.5 — 31.12.2017 14,701.5 9,539.0 1,930.7 506.2 2,373.2 352.4 31.12.2018 16,063.4 10,312.5 1,898.2 575.3 1,903.5 1,373.9 31.12.2019 16,822.1 10,616.1 2,625.5 617.4 1,026.4 1,936.7 31.12.2020 18,472.4 13,419.6 2,548.5 713.6 1,220.7 570.0 31.12.2021 20,338.9 14,068.1 2,650.6 815.3 2,805.0 — 31.12.2022 24,428.6 16,347.7 2,983.6 145.9 4,951.4 — 31.12.2023 26,506.8 18,320.7 4,530.5 271.7 3,383.9 — 2024 31.12 27,958.4 18,511.2 4,708.8 499.3 4,239.0 — 2025 31.01 27,869.5 17,895.1 5,593.7 499.7 3,880.9 — 28.02 27,089.9 17,693.3 5,781.0 499.7 3,115.9 — 31.03 26,937.3 17,436.7 5,761.1 560.8 3,178.8 — 30.04 25,400.8 17,675.5 4,040.6 560.8 3,123.9 — 31.05 25,810.0 17,575.0 4,714.3 560.8 2,959.9 — 30.06 26,659.4 17,789.7 5,232.7 554.8 3,082.3 — Bank of Russia Statistical Bulletin 31.07 28,721.5 17,986.5 7,156.9 554.8 3,023.4 — 31.08 26,998.0 18,232.0 4,964.9 554.8 3,246.4 — 30.09 27,818.6 18,393.9 5,614.4 554.8 3,255.5 — 31.10 26,848.3 18,540.8 4,696.0 554.1 3,057.3 — 30.11 27,849.6 18,613.4 5,227.0 554.1 3,455.1 — No. 3 (394) 31.12 30,664.1 19,449.7 5,826.8 554.1 4,833.5 — 2026 31.01 29,279.9 18,949.0 6,316.2 554.6 3,460.1 — 28.02 28,895.2 19,178.6 5,651.5 554.6 3,510.5 — 23 Table 1.11 (end) 24 (billions of rubles, on the beginning of office hours) Including Date Broad monetary base currency issued correspondent account balances credit institutions balances the Bank of Russia bonds (OBRs) (including cash in vaults of credit institutions required reserves on the deposit accounts held by banks1 No. 3 (394) Bank of Russia Statistical Bulletin of credit institutions) with the Bank of Russia with the Bank of Russia 2026 02.02 29,279.9 18,949.0 6,316.2 554.6 3,460.1 — 03.02 29,255.2 18,943.1 6,350.0 554.6 3,407.5 — 04.02 29,241.9 18,957.3 6,277.5 554.6 3,452.6 — 05.02 28,021.4 18,977.6 4,947.5 554.6 3,541.7 — 06.02 27,892.6 19,009.6 4,890.7 554.6 3,437.6 — 09.02 27,825.7 19,032.6 4,599.0 554.6 3,639.5 — 10.02 27,870.8 19,028.2 4,490.6 554.6 3,797.4 — 11.02 29,640.5 19,048.4 6,114.5 554.6 3,923.1 — 12.02 28,379.8 19,084.4 5,133.0 554.6 3,607.9 — 13.02 28,392.6 19,123.6 5,109.8 554.6 3,604.7 — 16.02 28,562.1 19,154.8 5,241.9 554.6 3,610.9 — 17.02 28,999.4 19,160.2 5,772.0 554.6 3,512.6 — 18.02 28,986.7 19,182.1 5,720.0 554.6 3,530.1 — 19.02 28,875.4 19,200.8 5,538.1 554.6 3,581.9 — 20.02 28,727.4 19,213.1 5,410.7 554.6 3,549.0 — 24.02 28,643.7 19,231.7 5,320.0 554.6 3,537.4 — 1. Main Macroeconomic and Monetary Indicators 25.02 28,895.7 19,180.4 5,602.0 554.6 3,558.7 — 26.02 28,889.6 19,162.8 5,634.0 554.6 3,538.2 — 27.02 28,817.8 19,168.0 5,563.5 554.6 3,531.8 — 28.02 28,893.8 19,178.6 5,651.5 554.6 3,509.1 — 1 At market value. Table 1.12 1. Main Macroeconomic and Monetary Indicators Central Bank Survey (millions of rubles, end of period) Dec, 2023 Jan, 2024 Feb, 2024 Mar, 2024 Apr, 2024 May, 2024 June, 2024 July, 2024 Aug, 2024 Sep, 2024 Oct, 2024 Nov, 2024 NET FOREIGN ASSETS 50,787,527 49,453,387 50,821,869 51,818,929 52,191,068 51,158,105 48,335,793 49,273,752 53,193,774 55,911,223 58,397,113 63,102,311 CLAIMS ON OTHER DEPOSITORY CORPORATIONS 5,879,364 3,724,247 3,719,402 5,425,056 5,021,661 5,145,008 4,436,358 6,674,422 7,184,998 8,213,513 7,717,900 7,587,649 NET CLAIMS ON GENERAL GOVERNMENT –6,792,202 –5,545,496 –6,680,336 –6,822,589 –6,369,054 –6,377,531 –5,870,706 –5,992,245 –6,376,230 –7,687,218 –7,968,207 –8,137,118 CLAIMS ON OTHER SECTORS 1,559,460 1,535,431 1,503,714 1,848,225 1,759,176 2,032,564 1,747,370 1,877,271 1,727,931 1,924,708 1,927,668 1,820,527 MONETARY BASE 26,506,798 25,632,912 24,619,018 26,376,668 26,638,586 26,774,558 25,823,098 27,976,744 28,140,758 28,531,494 28,254,397 28,183,754 Currency in circulation 18,320,696 17,754,782 17,753,779 17,680,913 17,876,761 17,760,907 17,762,972 17,889,158 17,913,444 17,883,638 17,897,798 17,845,957 Liabilities to other depository corporations 8,186,103 7,878,130 6,865,239 8,695,756 8,761,825 9,013,651 8,060,126 10,087,586 10,227,314 10,647,856 10,356,599 10,337,798 Deposits, of which 8,186,103 7,878,130 6,865,239 8,695,756 8,761,825 9,013,651 8,060,126 10,087,586 10,227,314 10,647,856 10,356,599 10,337,798 Required reserves 271,712 273,228 273,228 504,337 504,209 504,208 504,073 504,038 504,034 504,034 504,034 504,034 Debt securities — — — — — — — — — — — — DEPOSITS INCLUDED IN BROAD MONEY 147,895 156,510 216,240 223,064 186,397 216,434 208,148 259,493 285,137 277,853 275,898 350,246 Transferable deposits 33,510 33,960 33,244 35,508 34,064 31,907 34,370 32,746 32,362 35,160 30,926 33,322 Other financial corporations 22,592 23,555 22,919 22,736 23,365 22,475 24,029 23,166 22,495 21,387 21,418 21,204 Non-financial corporations 10,919 10,406 10,325 12,771 10,699 9,433 10,341 9,580 9,867 13,773 9,508 12,119 Households 0 0 0 0 0 0 0 0 0 0 0 0 Other deposits 114,385 122,550 182,996 187,556 152,333 184,527 173,778 226,747 252,775 242,693 244,972 316,923 Other financial corporations 114,385 122,550 182,996 187,556 152,333 184,527 173,778 226,747 252,775 242,693 244,972 316,923 Non-financial corporations 0 0 0 0 0 0 0 0 0 0 0 0 Households 0 0 0 0 0 0 0 0 0 0 0 0 Bank of Russia Statistical Bulletin OTHER ITEMS (NET) 24,779,455 23,378,147 24,529,391 25,669,888 25,777,868 24,967,153 22,617,569 23,596,963 27,304,578 29,552,879 31,544,178 35,839,368 25 No. 3 (394) Table 1.12 (cont.) 26 (millions of rubles, end of period) Dec, 2024 Jan, 2025 Feb, 2025 Mar, 2025 Apr, 2025 May, 2025 June, 2025 July, 2025 Aug, 2025 Sep, 2025 Oct, 2025 Nov, 2025 NET FOREIGN ASSETS 58,814,369 57,823,250 52,834,374 51,718,321 53,048,519 51,149,023 51,674,588 53,319,353 52,966,845 56,602,808 56,016,200 55,127,514 CLAIMS ON OTHER DEPOSITORY CORPORATIONS 6,855,335 5,629,991 5,011,039 4,954,490 3,287,816 3,550,228 4,454,921 6,249,286 4,665,780 5,556,725 4,587,773 5,912,969 No. 3 (394) Bank of Russia Statistical Bulletin NET CLAIMS ON GENERAL GOVERNMENT –6,913,645 –5,967,142 –5,526,680 –5,492,255 –5,497,795 –5,079,195 –5,056,785 –4,893,552 –4,891,190 –5,239,884 –5,179,681 –5,204,089 CLAIMS ON OTHER SECTORS 1,670,833 1,727,720 1,693,423 1,699,857 1,716,917 1,700,112 1,699,904 1,723,065 1,740,861 1,680,241 1,694,367 1,603,420 MONETARY BASE 27,958,428 27,869,464 27,089,864 26,937,302 25,400,813 25,809,994 26,659,409 28,721,504 26,998,021 27,818,591 26,848,312 27,849,607 Currency in circulation 18,511,250 17,895,143 17,693,322 17,436,700 17,675,509 17,575,010 17,789,661 17,986,464 18,231,959 18,393,953 18,540,841 18,613,418 Liabilities to other depository corporations 9,447,178 9,974,321 9,396,542 9,500,602 7,725,304 8,234,984 8,869,747 10,735,039 8,766,061 9,424,638 8,307,472 9,236,189 Deposits, of which 9,447,178 9,974,321 9,396,542 9,500,602 7,725,304 8,234,984 8,869,747 10,735,039 8,766,061 9,424,638 8,307,472 9,236,189 Required reserves 499,307 499,718 499,693 560,791 560,787 560,784 554,776 554,770 554,770 554,770 554,127 554,137 Debt securities — — — — — — — — — — — — DEPOSITS INCLUDED IN BROAD MONEY 310,778 332,332 408,257 409,014 373,551 441,798 459,685 415,392 477,135 394,891 390,114 465,940 Transferable deposits 25,541 22,193 22,605 45,099 22,822 22,365 22,545 23,818 22,072 22,878 22,584 21,957 Other financial corporations 23,573 21,105 21,563 44,107 21,806 21,267 21,087 21,260 21,058 21,852 21,450 21,045 Non-financial corporations 1,969 1,088 1,043 993 1,017 1,098 1,458 2,558 1,014 1,026 1,134 913 Households 0 0 0 0 0 0 0 0 0 0 0 0 Other deposits 285,236 310,139 385,652 363,914 350,728 419,432 437,140 391,574 455,063 372,013 367,529 443,983 Other financial corporations 285,236 310,139 385,652 363,914 350,728 419,432 437,140 391,574 455,063 372,013 367,529 443,983 Non-financial corporations 0 0 0 0 0 0 0 0 0 0 0 0 Households 0 0 0 0 0 0 0 0 0 0 0 0 1. Main Macroeconomic and Monetary Indicators OTHER ITEMS (NET) 32,157,687 31,012,022 26,514,034 25,534,098 26,781,093 25,068,378 25,653,535 27,261,257 27,007,139 30,386,407 29,880,233 29,124,267 Table 1.12 (end) 1. Main Macroeconomic and Monetary Indicators (millions of rubles, end of period) Dec, 2025 Jan, 2026 Feb, 2026 NET FOREIGN ASSETS 56,690,865 60,819,285 60,201,320 CLAIMS ON OTHER DEPOSITORY CORPORATIONS 8,494,733 7,020,839 6,745,435 NET CLAIMS ON GENERAL GOVERNMENT –5,058,228 –5,313,522 –5,109,157 CLAIMS ON OTHER SECTORS 1,482,182 1,523,614 1,506,119 MONETARY BASE 30,664,132 29,279,895 28,895,237 Currency in circulation 19,449,670 18,949,057 19,178,615 Liabilities to other depository corporations 11,214,462 10,330,838 9,716,622 Deposits, of which 11,214,462 10,330,838 9,716,622 Required reserves 554,137 554,581 554,575 Debt securities — — — DEPOSITS INCLUDED IN BROAD MONEY 451,435 465,559 539,819 Transferable deposits 22,150 21,810 24,089 Other financial corporations 21,197 21,063 23,287 Non-financial corporations 953 748 802 Households 0 0 0 Other deposits 429,285 443,748 515,730 Other financial corporations 429,285 443,748 515,730 Non-financial corporations 0 0 0 Households 0 0 0 OTHER ITEMS (NET) 30,493,986 34,304,762 33,908,661 Bank of Russia Statistical Bulletin Note. Data can be updated due to changes in reporting data, the emergence of new sources of information, methodological changes. 27 No. 3 (394) 28 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.13 Other Depository Corporations Survey (millions of rubles, end of period) Dec, 2023 Jan, 2024 Feb, 2024 Mar, 2024 Apr, 2024 May, 2024 NET FOREIGN ASSETS 7,290,088 7,153,980 7,069,687 7,562,429 7,420,548 7,275,727 CLAIMS ON NONRESIDENTS 13,303,893 13,243,740 13,296,002 13,692,295 13,656,206 13,573,073 LIABILITIES TO NONRESIDENTS 6,013,804 6,089,760 6,226,315 6,129,866 6,235,659 6,297,346 CLAIMS ON CENTRAL BANK 9,660,077 8,876,784 7,910,455 9,754,572 9,900,685 10,023,905 NET CLAIMS ON GENERAL GOVERNMENT 2,561,290 275,784 2,472,214 1,110,057 2,772,654 361,885 Claims on federal government 14,395,208 14,426,199 14,623,873 14,697,903 14,664,289 14,748,888 Debt securities 14,341,431 14,372,549 14,570,217 14,648,615 14,615,002 14,699,566 in rubles 13,605,889 13,637,231 13,815,875 13,910,510 13,885,051 13,975,690 in foreign currency 735,541 735,318 754,342 738,105 729,951 723,876 Loans 53,777 53,650 53,656 49,288 49,287 49,322 in rubles 53,721 53,594 53,598 49,229 49,229 49,265 in foreign currency 57 57 58 59 58 57 Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Claims on state and local government 523,680 476,628 449,105 428,295 439,468 402,274 Debt securities 260,952 262,674 258,645 254,868 251,226 241,526 in rubles 260,952 262,674 258,645 254,868 251,226 241,526 in foreign currency — — — — — — Loans 262,728 213,954 190,460 173,427 188,242 160,748 in rubles 262,574 213,800 190,303 173,270 188,085 160,595 in foreign currency 154 153 157 158 157 153 Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Liabilities to federal government 10,895,719 12,761,084 10,775,901 11,819,901 10,507,220 12,352,575 Deposits 6,859,609 8,694,431 7,811,677 9,725,752 8,367,980 10,038,652 in rubles 6,720,969 8,539,346 7,666,490 9,584,293 8,225,395 9,911,743 in foreign currency 138,640 155,085 145,187 141,459 142,585 126,909 Other liabilities 4,036,110 4,066,653 2,964,224 2,094,149 2,139,240 2,313,924 in rubles 4,036,110 4,066,653 2,964,224 2,094,149 2,139,240 2,313,924 in foreign currency — — — — — — Liabilities to state and local government 1,461,879 1,865,959 1,824,863 2,196,240 1,823,884 2,436,701 Deposits 1,461,879 1,865,959 1,824,863 2,196,240 1,823,884 2,436,701 in rubles 1,461,878 1,865,957 1,824,860 2,196,239 1,823,883 2,436,701 in foreign currency 1 3 3 1 1 — Other liabilities — — — — — — in rubles — — — — — — in foreign currency — — — — — — CLAIMS ON OTHER SECTORS 122,386,479 122,815,675 124,320,821 126,473,672 128,784,835 131,008,442 in rubles 111,574,405 112,092,426 113,047,791 114,954,905 116,936,861 119,234,591 in foreign currency 10,812,074 10,723,248 11,273,031 11,518,766 11,847,974 11,773,852 Claims on other financial corporations 18,358,863 18,185,084 18,596,845 19,118,375 19,423,068 19,800,524 in rubles 15,668,606 15,632,686 16,031,622 16,542,653 16,803,650 17,320,488 Debt securities 2,624,210 2,643,642 2,677,155 2,724,724 2,648,159 2,754,015 Loans 9,206,051 9,038,272 9,260,395 9,395,732 9,653,803 9,960,706 Other claims 3,838,345 3,950,773 4,094,073 4,422,197 4,501,688 4,605,767 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 29 Table 1.13 (cont.) (millions of rubles, end of period) Dec, 2023 Jan, 2024 Feb, 2024 Mar, 2024 Apr, 2024 May, 2024 in foreign currency 2,690,257 2,552,398 2,565,223 2,575,722 2,619,418 2,480,036 Debt securities 812,601 777,740 786,039 827,520 794,611 768,719 Loans 1,665,871 1,635,141 1,668,058 1,600,481 1,570,140 1,541,290 Other claims 211,785 139,517 111,126 147,721 254,668 170,028 Claims on nonfinancial corporations 68,570,083 68,946,671 69,763,072 70,760,924 72,165,741 73,336,304 in rubles 60,494,324 60,821,059 61,100,755 61,862,682 62,980,929 64,086,074 Debt securities 2,007,685 1,932,443 1,938,464 1,754,270 1,712,083 1,705,254 Loans 54,481,287 54,794,435 54,980,784 55,833,297 56,778,165 57,838,140 Other claims 4,005,352 4,094,181 4,181,508 4,275,115 4,490,681 4,542,681 in foreign currency 8,075,758 8,125,612 8,662,317 8,898,242 9,184,812 9,250,230 Debt securities 540,418 573,220 586,829 574,505 568,386 583,987 Loans 7,402,429 7,479,243 8,000,809 8,249,279 8,543,490 8,600,992 Other claims 132,912 73,148 74,678 74,458 72,935 65,250 Claims on households 35,457,533 35,683,920 35,960,904 36,594,373 37,196,025 37,871,614 in rubles 35,411,475 35,638,681 35,915,413 36,549,570 37,152,282 37,828,029 Debt securities 83 82 81 80 79 78 Loans 35,411,392 35,638,600 35,915,332 36,549,491 37,152,203 37,827,951 Other claims — — — — — — in foreign currency 46,058 45,239 45,491 44,802 43,744 43,586 Debt securities — — — — — — Loans 46,058 45,239 45,491 44,802 43,744 43,586 Other claims — — — — — — LIABILITIES TO CENTRAL BANK 5,850,771 3,693,707 3,688,766 5,393,614 4,989,304 5,111,512 DEPOSITS INCLUDED IN BROAD MONEY 95,197,053 94,860,071 96,915,333 97,256,113 100,668,306 99,987,845 in rubles 81,103,509 80,903,784 82,496,965 82,750,344 86,182,824 85,551,753 Transferable deposits 32,518,258 31,804,807 32,626,705 32,680,134 33,347,200 33,204,336 Other financial corporations 1,231,041 1,360,836 1,327,628 1,297,312 1,340,759 1,421,743 Nonfinancial corporations 15,233,332 15,365,319 15,565,559 15,445,763 15,929,607 15,002,502 Households 16,053,885 15,078,652 15,733,518 15,937,060 16,076,834 16,780,091 Other deposits 48,585,251 49,098,976 49,870,260 50,070,210 52,835,624 52,347,417 Other financial corporations 3,668,785 4,028,486 4,159,694 4,116,955 4,047,841 4,374,164 Nonfinancial corporations 17,530,678 17,027,608 17,095,568 16,558,669 18,452,427 17,008,282 Households 27,385,788 28,042,882 28,614,998 29,394,587 30,335,355 30,964,971 in foreign currency 14,093,544 13,956,287 14,418,368 14,505,769 14,485,483 14,436,092 Transferable deposits — — — — — — Other financial corporations — — — — — — Nonfinancial corporations — — — — — — Households — — — — — — Other deposits 14,093,544 13,956,287 14,418,368 14,505,769 14,485,483 14,436,092 Other financial corporations 450,934 394,187 431,716 455,115 460,932 432,817 Nonfinancial corporations 9,644,383 9,618,718 9,977,792 10,019,902 10,054,479 10,099,247 Households 3,998,226 3,943,383 4,008,860 4,030,752 3,970,072 3,904,028 DEBT SEQURITIES INCLUDED IN BROAD MONEY 4,163 4,149 4,128 4,100 4,075 4,053 DEPOSITS EXCLUDED FROM BROAD MONEY 1,543,622 1,493,302 1,560,248 1,579,971 1,442,906 1,576,198 DEBT SEQURITIES EXCLUDED FROM BROAD MONEY 2,876,195 3,087,003 2,855,746 2,877,172 2,919,992 3,037,951 SHARES AND OTHER EQUITY 16,654,947 16,679,597 17,259,939 17,574,648 18,163,855 18,110,004 OTHER ITEMS (NET) 19,771,182 19,304,395 19,489,016 20,215,111 20,690,283 20,842,396 Escrow accounts of households 5,573,817 5,511,373 5,500,278 5,591,887 5,716,036 6,070,074 30 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.13 (cont.) (millions of rubles, end of period) June, 2024 July, 2024 Aug, 2024 Sep, 2024 Oct, 2024 Nov, 2024 NET FOREIGN ASSETS 6,474,770 6,469,737 6,760,670 6,667,551 6,565,308 7,331,619 CLAIMS ON NONRESIDENTS 12,746,361 12,949,655 13,085,095 13,365,221 13,609,636 14,437,888 LIABILITIES TO NONRESIDENTS 6,271,591 6,479,917 6,324,425 6,697,670 7,044,328 7,106,269 CLAIMS ON CENTRAL BANK 9,117,504 11,194,830 11,339,548 11,734,375 11,458,921 11,453,439 NET CLAIMS ON GENERAL GOVERNMENT 443,467 –40,469 –192,105 –60,577 –924,682 –566,353 Claims on federal government 14,665,928 14,519,311 14,827,248 14,956,584 14,841,250 15,066,767 Debt securities 14,646,900 14,518,260 14,826,195 14,955,551 14,840,178 15,065,688 in rubles 13,966,417 13,832,530 14,104,692 14,232,902 14,094,442 14,239,065 in foreign currency 680,484 685,730 721,503 722,649 745,736 826,623 Loans 19,028 1,051 1,053 1,033 1,072 1,079 in rubles 18,974 996 995 974 1,011 1,011 in foreign currency 54 55 58 59 62 68 Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Claims on state and local government 391,093 376,229 371,627 370,061 348,690 340,149 Debt securities 217,323 212,277 205,000 200,868 193,002 174,491 in rubles 217,323 212,277 205,000 200,868 193,002 174,491 in foreign currency — — — — — — Loans 173,771 163,952 166,627 169,192 155,688 165,658 in rubles 173,624 163,805 166,471 169,034 155,522 165,657 in foreign currency 146 147 156 158 166 1 Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Liabilities to federal government 12,368,500 12,334,905 12,775,877 13,070,472 13,370,428 13,291,163 Deposits 10,420,914 10,425,883 10,433,728 10,657,460 10,829,630 10,851,624 in rubles 10,298,160 10,282,829 10,286,709 10,503,647 10,704,103 10,746,028 in foreign currency 122,754 143,054 147,019 153,813 125,528 105,596 Other liabilities 1,947,587 1,909,022 2,342,149 2,413,012 2,540,797 2,439,539 in rubles 1,947,587 1,909,022 2,342,149 2,413,012 2,540,797 2,439,539 in foreign currency — — — — — — Liabilities to state and local government 2,245,055 2,601,104 2,615,103 2,316,749 2,744,195 2,682,106 Deposits 2,245,055 2,601,104 2,615,103 2,316,749 2,744,195 2,682,106 in rubles 2,245,054 2,601,103 2,615,103 2,316,749 2,744,193 2,682,105 in foreign currency — — 1 1 2 1 Other liabilities — — — — — — in rubles — — — — — — in foreign currency — — — — — — CLAIMS ON OTHER SECTORS 132,133,659 134,260,285 137,160,360 139,122,006 141,807,570 144,137,767 in rubles 121,272,263 123,223,643 125,914,237 127,906,764 130,499,961 131,725,700 in foreign currency 10,861,395 11,036,642 11,246,123 11,215,242 11,307,608 12,412,067 Claims on other financial corporations 19,482,657 19,608,791 20,185,348 20,530,913 20,992,662 21,563,036 in rubles 17,242,410 17,333,649 17,949,634 18,203,625 18,693,987 19,172,619 Debt securities 2,691,046 2,884,384 2,880,172 3,164,491 3,277,538 3,238,784 Loans 9,869,419 10,171,314 10,587,893 10,639,330 11,129,703 11,286,518 Other claims 4,681,945 4,277,950 4,481,569 4,399,803 4,286,746 4,647,317 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 31 Table 1.13 (cont.) (millions of rubles, end of period) June, 2024 July, 2024 Aug, 2024 Sep, 2024 Oct, 2024 Nov, 2024 in foreign currency 2,240,247 2,275,142 2,235,714 2,327,288 2,298,674 2,390,417 Debt securities 724,769 718,304 690,410 712,151 697,637 756,575 Loans 1,452,500 1,516,295 1,482,539 1,581,789 1,568,865 1,561,449 Other claims 62,978 40,543 62,765 33,348 32,172 72,392 Claims on nonfinancial corporations 73,776,473 75,468,874 77,351,678 78,769,020 80,800,123 83,217,521 in rubles 65,196,864 66,748,862 68,383,717 69,923,804 71,833,753 73,240,879 Debt securities 1,702,454 1,730,050 1,755,005 1,774,806 1,692,736 1,724,500 Loans 58,918,282 60,381,997 61,984,877 63,449,129 65,434,701 66,762,285 Other claims 4,576,127 4,636,815 4,643,835 4,699,868 4,706,317 4,754,095 in foreign currency 8,579,610 8,720,012 8,967,961 8,845,216 8,966,370 9,976,641 Debt securities 575,607 578,135 598,875 500,756 532,330 574,504 Loans 7,944,453 8,080,285 8,306,526 8,296,161 8,381,284 9,351,625 Other claims 59,550 61,592 62,560 48,299 52,756 50,513 Claims on households 38,874,529 39,182,621 39,623,334 39,822,073 40,014,785 39,357,210 in rubles 38,832,990 39,141,133 39,580,887 39,779,335 39,972,220 39,312,202 Debt securities 77 76 75 74 74 53 Loans 38,832,913 39,141,057 39,580,811 39,779,261 39,972,147 39,312,149 Other claims — — — — — — in foreign currency 41,539 41,488 42,447 42,738 42,564 45,009 Debt securities — — — — — — Loans 41,539 41,488 42,447 42,738 42,564 45,009 Other claims — — — — — — LIABILITIES TO CENTRAL BANK 4,401,675 6,642,632 7,153,102 8,180,726 7,684,087 7,552,613 DEPOSITS INCLUDED IN BROAD MONEY 99,891,180 100,885,777 102,886,988 104,682,715 106,331,744 109,427,234 in rubles 86,643,258 87,309,713 89,156,080 90,559,615 91,876,227 93,944,320 Transferable deposits 33,536,304 34,283,444 33,762,594 33,999,166 32,765,257 31,765,851 Other financial corporations 1,451,868 1,526,050 1,462,483 1,559,218 1,536,695 1,447,132 Nonfinancial corporations 14,954,644 15,313,932 15,064,838 15,323,301 14,859,042 14,651,486 Households 17,129,793 17,443,462 17,235,273 17,116,647 16,369,521 15,667,233 Other deposits 53,106,954 53,026,269 55,393,487 56,560,449 59,110,970 62,178,469 Other financial corporations 4,357,988 4,217,124 4,646,259 4,805,509 5,039,903 5,611,997 Nonfinancial corporations 17,091,541 16,851,612 17,709,036 17,818,447 18,536,323 19,420,416 Households 31,657,426 31,957,533 33,038,192 33,936,493 35,534,744 37,146,056 in foreign currency 13,247,922 13,576,064 13,730,907 14,123,101 14,455,517 15,482,915 Transferable deposits — — — — — — Other financial corporations — — — — — — Nonfinancial corporations — — — — — — Households — — — — — — Other deposits 13,247,922 13,576,064 13,730,907 14,123,101 14,455,517 15,482,915 Other financial corporations 474,763 410,277 407,263 426,889 463,333 464,599 Nonfinancial corporations 9,119,111 9,509,528 9,543,378 9,875,034 10,089,104 10,876,675 Households 3,654,048 3,656,259 3,780,266 3,821,178 3,903,080 4,141,640 DEBT SEQURITIES INCLUDED IN BROAD MONEY 4,030 4,001 3,971 3,959 3,934 3,918 DEPOSITS EXCLUDED FROM BROAD MONEY 1,578,481 1,584,091 1,608,936 1,597,701 1,574,455 1,604,493 DEBT SEQURITIES EXCLUDED FROM BROAD MONEY 3,104,588 2,980,994 2,997,434 3,087,215 3,036,092 2,892,799 SHARES AND OTHER EQUITY 17,883,514 17,684,359 17,937,545 18,084,252 18,003,265 18,611,140 OTHER ITEMS (NET) 21,305,930 22,102,528 22,480,497 21,826,785 22,273,539 22,264,276 Escrow accounts of households 6,510,912 6,615,238 6,671,137 6,707,186 6,642,776 6,711,201 32 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.13 (cont.) (millions of rubles, end of period) Dec, 2024 Jan, 2025 Feb, 2025 Mar, 2025 Apr, 2025 May, 2025 NET FOREIGN ASSETS 6,115,256 6,673,325 6,201,791 6,076,475 6,047,268 5,816,008 CLAIMS ON NONRESIDENTS 12,910,754 13,235,636 12,488,377 12,160,235 12,323,361 11,805,631 LIABILITIES TO NONRESIDENTS 6,795,498 6,562,311 6,286,586 6,083,760 6,276,093 5,989,623 CLAIMS ON CENTRAL BANK 11,087,491 11,062,446 10,454,763 10,540,701 8,861,709 9,303,362 NET CLAIMS ON GENERAL GOVERNMENT 4,677,662 3,568,453 4,965,176 3,733,244 3,766,814 4,152,442 Claims on federal government 17,358,728 17,051,023 17,364,385 17,235,757 17,333,850 17,674,223 Debt securities 17,357,722 17,050,150 17,363,519 17,234,918 17,333,013 17,673,388 in rubles 16,593,531 16,324,531 16,723,128 16,631,968 16,732,417 17,092,009 in foreign currency 764,191 725,619 640,391 602,950 600,596 581,379 Loans 1,006 873 866 838 837 835 in rubles 942 811 810 785 785 786 in foreign currency 64 62 56 53 52 50 Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Claims on state and local government 524,202 435,242 423,611 396,634 382,505 405,248 Debt securities 173,227 171,420 165,035 163,283 159,628 154,690 in rubles 173,227 171,420 165,035 163,283 159,628 154,690 in foreign currency — — — — — — Loans 350,975 263,822 258,576 233,351 222,878 250,558 in rubles 350,975 263,822 258,575 233,351 222,877 250,558 in foreign currency 1 1 — — — — Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Liabilities to federal government 11,539,967 11,749,999 10,992,595 11,762,147 11,399,946 11,371,083 Deposits 10,601,767 10,018,084 10,432,564 11,559,108 10,818,203 11,003,810 in rubles 10,597,939 10,001,680 10,394,275 11,513,022 10,770,949 10,967,753 in foreign currency 3,828 16,404 38,289 46,086 47,254 36,057 Other liabilities 938,200 1,731,916 560,031 203,039 581,743 367,273 in rubles 938,200 1,731,916 560,031 203,039 581,743 367,273 in foreign currency — — — — — — Liabilities to state and local government 1,665,301 2,167,813 1,830,225 2,137,000 2,549,594 2,555,946 Deposits 1,665,301 2,167,813 1,830,225 2,137,000 2,549,594 2,555,946 in rubles 1,665,301 2,167,812 1,830,224 2,136,999 2,549,594 2,555,946 in foreign currency 1 1 — — — — Other liabilities — — — — — — in rubles — — — — — — in foreign currency — — — — — — CLAIMS ON OTHER SECTORS 143,981,038 142,871,191 142,199,539 142,688,303 144,074,209 144,738,195 in rubles 132,607,315 131,677,599 131,906,397 132,696,039 133,963,908 134,882,362 in foreign currency 11,373,724 11,193,591 10,293,142 9,992,264 10,110,301 9,855,833 Claims on other financial corporations 22,837,576 22,580,931 22,246,690 22,460,421 22,666,134 22,452,696 in rubles 20,304,553 20,021,976 19,740,802 19,970,491 20,043,126 19,922,639 Debt securities 4,012,036 4,085,321 4,004,801 3,947,036 4,078,964 4,035,191 Loans 11,601,166 11,405,750 11,215,676 11,405,303 11,275,446 10,933,336 Other claims 4,691,351 4,530,905 4,520,326 4,618,152 4,688,716 4,954,112 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 33 Table 1.13 (cont.) (millions of rubles, end of period) Dec, 2024 Jan, 2025 Feb, 2025 Mar, 2025 Apr, 2025 May, 2025 in foreign currency 2,533,023 2,558,956 2,505,888 2,489,929 2,623,008 2,530,057 Debt securities 717,963 697,332 629,309 506,822 419,122 406,697 Loans 1,346,099 1,323,864 1,159,438 1,137,199 1,169,396 1,079,152 Other claims 468,961 537,760 717,141 845,907 1,034,490 1,044,208 Claims on nonfinancial corporations 82,227,105 81,543,777 81,332,992 81,552,051 82,697,151 83,417,947 in rubles 73,430,891 72,952,730 73,585,085 74,087,536 75,246,820 76,128,102 Debt securities 1,895,203 2,161,139 2,224,971 2,404,997 2,515,909 2,590,791 Loans 66,721,989 65,992,663 66,467,969 66,814,874 67,757,014 68,539,418 Other claims 4,813,700 4,798,928 4,892,145 4,867,665 4,973,898 4,997,893 in foreign currency 8,796,214 8,591,047 7,747,906 7,464,515 7,450,331 7,289,845 Debt securities 543,863 526,913 485,916 477,520 460,473 436,062 Loans 8,204,906 8,018,098 7,210,734 6,945,794 6,946,671 6,811,720 Other claims 47,445 46,037 51,256 41,201 43,187 42,062 Claims on households 38,916,357 38,746,482 38,619,857 38,675,831 38,710,924 38,867,553 in rubles 38,871,870 38,702,894 38,580,510 38,638,011 38,673,962 38,831,621 Debt securities 52 51 50 49 48 47 Loans 38,871,818 38,702,843 38,580,460 38,637,962 38,673,914 38,831,575 Other claims — — — — — — in foreign currency 44,486 43,589 39,347 37,819 36,962 35,931 Debt securities — — — — — — Loans 44,486 43,589 39,347 37,819 36,962 35,931 Other claims — — — — — — LIABILITIES TO CENTRAL BANK 6,818,169 5,588,718 4,968,074 4,910,100 3,241,321 3,502,606 DEPOSITS INCLUDED IN BROAD MONEY 113,549,585 113,294,846 113,173,901 111,779,399 112,544,552 112,899,714 in rubles 99,671,604 99,438,150 100,654,036 99,693,192 100,624,230 101,262,737 Transferable deposits 34,415,916 34,235,298 34,928,767 34,693,007 34,468,907 34,852,706 Other financial corporations 1,398,608 1,566,251 1,516,404 1,472,986 1,451,939 1,408,894 Nonfinancial corporations 15,486,066 16,190,860 16,622,198 16,419,703 15,448,179 15,898,862 Households 17,531,242 16,478,186 16,790,165 16,800,318 17,568,790 17,544,950 Other deposits 65,255,689 65,202,852 65,725,269 65,000,185 66,155,323 66,410,031 Other financial corporations 5,571,488 5,619,430 5,492,974 5,319,241 5,144,793 5,135,094 Nonfinancial corporations 20,300,156 19,595,932 19,427,015 18,228,323 18,764,329 18,772,568 Households 39,384,044 39,987,491 40,805,280 41,452,621 42,246,201 42,502,369 in foreign currency 13,877,981 13,856,696 12,519,865 12,086,207 11,920,321 11,636,977 Transferable deposits — — — — — — Other financial corporations — — — — — — Nonfinancial corporations — — — — — — Households — — — — — — Other deposits 13,877,981 13,856,696 12,519,865 12,086,207 11,920,321 11,636,977 Other financial corporations 408,484 410,039 303,663 292,596 279,129 270,856 Nonfinancial corporations 9,618,139 9,713,080 8,861,716 8,566,224 8,449,793 8,275,389 Households 3,851,358 3,733,577 3,354,485 3,227,387 3,191,399 3,090,732 DEBT SEQURITIES INCLUDED IN BROAD MONEY 3,885 3,840 3,824 3,807 3,797 3,788 DEPOSITS EXCLUDED FROM BROAD MONEY 1,625,360 1,579,190 1,604,271 1,567,758 1,622,650 1,580,883 DEBT SEQURITIES EXCLUDED FROM BROAD MONEY 3,141,133 3,118,665 3,142,243 3,066,859 3,105,414 3,159,985 SHARES AND OTHER EQUITY 18,707,916 19,532,052 19,508,877 19,869,455 19,885,196 20,120,127 OTHER ITEMS (NET) 22,015,399 21,058,102 21,420,080 21,841,344 22,347,069 22,742,901 Escrow accounts of households 6,128,071 6,017,040 6,184,506 6,273,462 6,338,708 6,547,703 34 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.13 (cont.) (millions of rubles, end of period) June, 2025 July, 2025 Aug, 2025 Sep, 2025 Oct, 2025 Nov, 2025 NET FOREIGN ASSETS 5,708,921 6,102,857 5,669,176 6,803,321 6,527,009 6,329,007 CLAIMS ON NONRESIDENTS 11,623,685 12,295,638 12,031,558 13,196,932 12,937,247 12,647,533 LIABILITIES TO NONRESIDENTS 5,914,765 6,192,780 6,362,382 6,393,611 6,410,238 6,318,526 CLAIMS ON CENTRAL BANK 9,958,158 11,782,816 9,843,897 10,542,931 9,442,336 10,361,524 NET CLAIMS ON GENERAL GOVERNMENT 4,758,506 4,716,992 4,260,887 4,228,635 4,049,748 4,870,584 Claims on federal government 17,864,922 17,934,003 17,997,534 17,985,867 18,520,491 20,130,207 Debt securities 17,864,110 17,933,189 17,996,722 17,981,235 18,519,703 20,129,419 in rubles 17,282,584 17,322,435 17,455,876 17,430,934 17,988,654 19,595,323 in foreign currency 581,527 610,754 540,846 550,302 531,049 534,095 Loans 811 814 812 4,632 788 788 in rubles 762 762 761 4,579 737 738 in foreign currency 50 52 51 53 51 50 Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Claims on state and local government 463,808 442,968 455,840 478,799 481,835 577,293 Debt securities 148,941 143,596 140,627 137,580 134,168 140,666 in rubles 148,941 143,596 140,627 137,580 134,168 140,666 in foreign currency — — — — — — Loans 314,867 299,372 315,212 341,218 347,667 436,626 in rubles 314,866 299,372 315,212 341,218 347,667 436,626 in foreign currency — — — — — — Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — Liabilities to federal government 11,439,932 11,250,066 11,901,627 12,148,713 12,805,274 14,044,530 Deposits 11,058,893 10,903,746 11,634,302 11,881,900 12,415,770 13,310,509 in rubles 11,030,883 10,865,367 11,606,423 11,857,027 12,397,069 13,297,828 in foreign currency 28,010 38,379 27,879 24,873 18,701 12,681 Other liabilities 381,039 346,320 267,325 266,813 389,504 734,021 in rubles 381,039 346,320 267,325 266,813 389,504 734,021 in foreign currency — — — — — — Liabilities to state and local government 2,130,291 2,409,913 2,290,860 2,087,318 2,147,305 1,792,385 Deposits 2,130,291 2,409,913 2,290,860 2,087,318 2,147,305 1,792,385 in rubles 2,130,291 2,409,913 2,290,859 2,087,318 2,147,304 1,792,385 in foreign currency — — — — — — Other liabilities — — — — — — in rubles — — — — — — in foreign currency — — — — — — CLAIMS ON OTHER SECTORS 145,338,298 147,321,354 149,787,095 151,109,076 153,610,977 155,566,045 in rubles 135,426,345 136,794,212 139,095,539 139,453,473 141,948,863 144,266,679 in foreign currency 9,911,952 10,527,142 10,691,555 11,655,603 11,662,114 11,299,366 Claims on other financial corporations 22,605,192 23,330,501 23,959,864 24,291,620 24,426,115 24,512,963 in rubles 20,128,024 20,581,781 21,210,133 20,889,513 21,046,153 21,394,848 Debt securities 4,189,619 4,368,807 4,437,116 4,339,692 4,253,499 4,336,591 Loans 10,940,496 11,194,821 11,442,176 11,454,144 11,511,014 11,513,189 Other claims 4,997,909 5,018,153 5,330,840 5,095,677 5,281,640 5,545,068 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 35 Table 1.13 (cont.) (millions of rubles, end of period) June, 2025 July, 2025 Aug, 2025 Sep, 2025 Oct, 2025 Nov, 2025 in foreign currency 2,477,168 2,748,719 2,749,731 3,402,107 3,379,963 3,118,115 Debt securities 402,195 447,506 443,540 473,789 469,846 417,451 Loans 1,086,222 1,102,095 1,327,666 1,370,167 1,381,933 1,333,556 Other claims 988,751 1,199,118 978,525 1,558,151 1,528,183 1,367,109 Claims on nonfinancial corporations 83,853,221 85,160,721 86,671,107 87,453,257 89,496,480 91,186,536 in rubles 76,453,738 77,418,316 78,764,679 79,235,203 81,248,747 83,038,808 Debt securities 2,645,481 2,777,977 2,899,351 2,926,577 2,960,465 2,996,878 Loans 68,719,491 69,493,776 70,681,790 71,157,074 73,055,931 74,772,194 Other claims 5,088,766 5,146,563 5,183,539 5,151,552 5,232,351 5,269,736 in foreign currency 7,399,483 7,742,405 7,906,428 8,218,053 8,247,733 8,147,728 Debt securities 538,558 555,236 652,814 793,253 788,299 773,774 Loans 6,818,617 7,142,484 7,209,985 7,378,337 7,413,096 7,327,345 Other claims 42,307 44,685 43,629 46,463 46,338 46,609 Claims on households 38,879,884 38,830,133 39,156,123 39,364,199 39,688,382 39,866,546 in rubles 38,844,583 38,794,115 39,120,727 39,328,756 39,653,963 39,833,023 Debt securities 46 45 44 13 13 13 Loans 38,844,537 38,794,070 39,120,683 39,328,744 39,653,951 39,833,011 Other claims — — — — — — in foreign currency 35,301 36,018 35,396 35,443 34,419 33,523 Debt securities — — — — — — Loans 35,301 36,018 35,396 35,443 34,419 33,523 Other claims — — — — — — LIABILITIES TO CENTRAL BANK 4,412,349 6,207,532 4,623,027 5,515,364 4,545,017 5,869,347 DEPOSITS INCLUDED IN BROAD MONEY 113,491,769 114,888,284 116,196,745 117,395,536 119,110,704 120,390,585 in rubles 101,927,530 102,682,903 103,935,402 103,589,877 105,269,271 106,761,520 Transferable deposits 35,687,405 35,573,335 35,705,969 35,721,055 36,001,040 36,417,654 Other financial corporations 1,497,111 1,415,385 1,561,534 1,442,567 1,523,366 1,493,038 Nonfinancial corporations 16,135,998 15,824,678 15,785,385 15,869,697 16,085,767 16,734,900 Households 18,054,296 18,333,271 18,359,049 18,408,792 18,391,907 18,189,716 Other deposits 66,240,126 67,109,568 68,229,434 67,868,822 69,268,231 70,343,866 Other financial corporations 5,212,145 5,294,067 5,303,620 5,453,542 5,325,647 5,330,030 Nonfinancial corporations 18,253,942 18,616,869 19,581,283 19,086,911 19,886,515 20,789,996 Households 42,774,038 43,198,632 43,344,531 43,328,368 44,056,069 44,223,840 in foreign currency 11,564,238 12,205,382 12,261,342 13,805,658 13,841,433 13,629,065 Transferable deposits — — — — — — Other financial corporations — — — — — — Nonfinancial corporations — — — — — — Households — — — — — — Other deposits 11,564,238 12,205,382 12,261,342 13,805,658 13,841,433 13,629,065 Other financial corporations 256,998 260,171 243,148 272,489 250,254 254,167 Nonfinancial corporations 8,206,230 8,703,024 8,821,139 10,202,381 10,122,267 9,938,248 Households 3,101,011 3,242,186 3,197,055 3,330,788 3,468,912 3,436,650 DEBT SEQURITIES INCLUDED IN BROAD MONEY 3,775 3,755 3,745 3,728 3,675 3,667 DEPOSITS EXCLUDED FROM BROAD MONEY 1,612,456 1,761,889 1,633,340 1,724,901 1,551,748 1,568,631 DEBT SEQURITIES EXCLUDED FROM BROAD MONEY 3,143,639 3,282,305 3,349,736 3,423,585 3,409,648 3,376,665 SHARES AND OTHER EQUITY 20,364,554 19,311,301 19,875,127 21,234,440 21,498,234 21,868,443 OTHER ITEMS (NET) 22,735,341 24,468,952 23,879,336 23,386,409 23,511,044 24,049,821 Escrow accounts of households 6,595,119 6,707,553 6,831,613 7,014,386 7,050,701 7,280,315 36 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.13 (cont.) (millions of rubles, end of period) Dec, 2025 Jan, 2026 Feb, 2026 NET FOREIGN ASSETS 5,714,115 5,555,233 5,508,292 CLAIMS ON NONRESIDENTS 12,035,673 11,775,467 11,716,131 LIABILITIES TO NONRESIDENTS 6,321,558 6,220,235 6,207,839 CLAIMS ON CENTRAL BANK 12,513,823 11,426,187 10,800,200 NET CLAIMS ON GENERAL GOVERNMENT 8,430,600 7,629,457 11,232,350 Claims on federal government 20,393,072 20,364,296 20,933,833 Debt securities 20,392,387 20,362,414 20,932,316 in rubles 19,784,744 19,780,706 20,330,483 in foreign currency 607,642 581,708 601,833 Loans 686 1,882 1,517 in rubles 663 1,880 1,517 in foreign currency 23 2 — Other claims — — — in rubles — — — in foreign currency — — — Claims on state and local government 1,023,587 882,513 979,822 Debt securities 172,422 171,472 172,189 in rubles 172,422 171,472 172,189 in foreign currency — — — Loans 851,165 711,041 807,634 in rubles 851,164 711,040 807,633 in foreign currency — — — Other claims — — — in rubles — — — in foreign currency — — — Liabilities to federal government 12,129,279 12,233,604 9,633,285 Deposits 10,980,279 10,968,571 9,460,152 in rubles 10,977,179 10,958,516 9,445,552 in foreign currency 3,099 10,055 14,601 Other liabilities 1,149,000 1,265,033 173,133 in rubles 1,149,000 1,265,033 172,009 in foreign currency — — 1,124 Liabilities to state and local government 856,780 1,383,747 1,048,020 Deposits 856,780 1,383,747 1,048,020 in rubles 856,780 1,383,747 1,048,019 in foreign currency — — — Other liabilities — — — in rubles — — — in foreign currency — — — CLAIMS ON OTHER SECTORS 155,067,981 153,935,246 154,816,525 in rubles 144,847,821 143,892,831 144,513,269 in foreign currency 10,220,160 10,042,415 10,303,256 Claims on other financial corporations 23,535,386 22,581,756 22,769,097 in rubles 21,526,533 21,026,928 21,220,117 Debt securities 4,568,952 4,517,256 4,539,609 Loans 11,328,278 10,799,463 10,903,026 Other claims 5,629,303 5,710,209 5,777,483 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 37 Table 1.13 (end) (millions of rubles, end of period) Dec, 2025 Jan, 2026 Feb, 2026 in foreign currency 2,008,853 1,554,828 1,548,980 Debt securities 409,936 398,040 379,472 Loans 969,720 943,940 1,068,113 Other claims 629,196 212,848 101,394 Claims on nonfinancial corporations 91,523,046 91,086,789 91,789,983 in rubles 83,344,743 82,631,536 83,068,420 Debt securities 3,004,053 3,018,631 3,109,318 Loans 75,022,832 74,321,071 74,621,053 Other claims 5,317,858 5,291,833 5,338,049 in foreign currency 8,178,303 8,455,253 8,721,564 Debt securities 659,460 643,288 698,700 Loans 7,470,377 7,763,374 7,965,189 Other claims 48,465 48,591 57,675 Claims on households 40,009,549 40,266,701 40,257,445 in rubles 39,976,545 40,234,367 40,224,732 Debt securities 13 13 13 Loans 39,976,532 40,234,354 40,224,720 Other claims — — — in foreign currency 33,004 32,334 32,713 Debt securities — — — Loans 33,004 32,334 32,713 Other claims — — — LIABILITIES TO CENTRAL BANK 8,452,132 6,975,592 6,699,125 DEPOSITS INCLUDED IN BROAD MONEY 124,504,030 122,969,146 126,021,587 in rubles 110,943,088 109,537,052 112,441,466 Transferable deposits 37,657,759 37,012,154 38,526,705 Other financial corporations 1,405,989 1,584,203 1,549,335 Nonfinancial corporations 15,873,343 16,661,832 17,386,676 Households 20,378,427 18,766,119 19,590,694 Other deposits 73,285,329 72,524,898 73,914,761 Other financial corporations 5,585,187 5,684,710 5,716,152 Nonfinancial corporations 21,949,012 20,608,728 21,493,451 Households 45,751,129 46,231,460 46,705,158 in foreign currency 13,560,942 13,432,094 13,580,121 Transferable deposits — — — Other financial corporations — — — Nonfinancial corporations — — — Households — — — Other deposits 13,560,942 13,432,094 13,580,121 Other financial corporations 250,887 234,736 328,547 Nonfinancial corporations 9,859,369 9,769,994 9,916,142 Households 3,450,686 3,427,364 3,335,432 DEBT SEQURITIES INCLUDED IN BROAD MONEY 3,571 3,573 3,564 DEPOSITS EXCLUDED FROM BROAD MONEY 1,655,427 1,456,130 1,496,423 DEBT SEQURITIES EXCLUDED FROM BROAD MONEY 3,499,586 3,471,696 3,501,749 SHARES AND OTHER EQUITY 20,008,435 20,403,927 20,917,736 OTHER ITEMS (NET) 23,603,337 23,266,058 23,717,185 Escrow accounts of households 7,151,733 7,037,612 7,176,489 Notes. In July 2025, data were recalculated from the 01.01.2015 due methodological changes in calculating of securities portfolio (including updating the sector of issuers, changing the priority of information sources) and the emergence of new information sources. Data can be updated due to changes in reporting data, the emergence of new sources of information, methodological changes. 38 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.14 Depository Corporations Survey (millions of rubles, end of period) Dec, 2023 Jan, 2024 Feb, 2024 Mar, 2024 Apr, 2024 May, 2024 BROAD MONEY LIABILITIES (М2Х) 112,483,068 111,777,102 113,844,521 114,105,622 117,596,935 116,959,233 MONETARY AGGREGATE М0 17,133,957 16,756,372 16,708,821 16,622,345 16,738,157 16,750,900 Transferable deposits of households 16,053,885 15,078,652 15,733,518 15,937,060 16,076,834 16,780,091 Transferable deposits of non-financial corporations 15,244,251 15,375,725 15,575,884 15,458,534 15,940,305 15,011,935 Transferable deposits of other financial corporations 1,253,632 1,384,391 1,350,547 1,320,048 1,364,124 1,444,218 MONETARY AGGREGATE М1 49,685,726 48,595,140 49,368,769 49,337,987 50,119,421 49,987,143 Other deposits of households 27,385,788 28,042,882 28,614,998 29,394,587 30,335,355 30,964,971 Other deposits of non-financial corporations 17,530,678 17,027,608 17,095,568 16,558,669 18,452,427 17,008,282 Other deposits of other financial corporations 3,783,170 4,151,036 4,342,690 4,304,511 4,200,174 4,558,691 MONETARY AGGREGATE М2 98,385,362 97,816,666 99,422,025 99,595,753 103,107,378 102,519,088 Deposists of households in foreign currency 3,998,226 3,943,383 4,008,860 4,030,752 3,970,072 3,904,028 Deposits of non-financial corporations in foreign currency 9,644,383 9,618,718 9,977,792 10,019,902 10,054,479 10,099,247 Deposits of other financial corporations in foreign currency 450,934 394,187 431,716 455,115 460,932 432,817 Certificates of deposit and savings certificates 4,163 4,149 4,128 4,100 4,075 4,053 BROAD MONEY SUPPLY SOURCES NET FOREIGN ASSETS 58,077,615 56,607,367 57,891,556 59,381,358 59,611,615 58,433,832 NET CLAIMS ON GENERAL GOVERNMENT –4,230,913 –5,269,711 –4,208,122 –5,712,532 –3,596,400 –6,015,646 CREDIT TO ECONOMY 123,945,939 124,351,106 125,824,535 128,321,897 130,544,011 133,041,006 in rubles 113,050,645 113,575,866 114,531,203 116,435,450 118,485,004 120,840,230 in foreign currency 10,895,294 10,775,240 11,293,332 11,886,447 12,059,007 12,200,777 Claims on other financial corporations 19,912,567 19,710,765 20,090,187 20,956,135 21,172,161 21,823,042 Loans 12,245,931 12,047,114 12,302,282 12,361,319 12,653,365 12,987,075 in rubles 10,580,061 10,411,973 10,634,224 10,760,838 11,083,225 11,445,785 in foreign currency 1,665,871 1,635,141 1,668,058 1,600,481 1,570,140 1,541,290 Debt securities 3,436,811 3,421,381 3,463,194 3,552,243 3,442,770 3,522,733 in rubles 2,624,210 2,643,642 2,677,155 2,724,724 2,648,159 2,754,015 in foreign currency 812,601 777,740 786,039 827,520 794,611 768,719 Other claims 4,229,824 4,242,270 4,324,711 5,042,573 5,076,026 5,313,234 in rubles 3,934,821 4,050,764 4,193,287 4,527,173 4,610,327 4,716,283 in foreign currency 295,003 191,506 131,425 515,399 465,699 596,951 Claims on non-financial corporations 68,575,839 68,956,421 69,773,444 70,771,390 72,175,825 73,346,350 Loans 61,883,716 62,273,679 62,981,593 64,082,576 65,321,655 66,439,132 in rubles 54,481,287 54,794,435 54,980,784 55,833,297 56,778,165 57,838,140 in foreign currency 7,402,429 7,479,243 8,000,809 8,249,279 8,543,490 8,600,992 Debt securities 2,548,102 2,505,663 2,525,293 2,328,776 2,280,469 2,289,241 in rubles 2,007,685 1,932,443 1,938,464 1,754,270 1,712,083 1,705,254 in foreign currency 540,418 573,220 586,829 574,505 568,386 583,987 Other claims 4,144,021 4,177,079 4,266,558 4,360,038 4,573,700 4,617,976 in rubles 4,011,106 4,103,928 4,191,877 4,285,578 4,500,763 4,552,724 in foreign currency 132,915 73,151 74,681 74,460 72,937 65,252 Claims on households 35,457,533 35,683,920 35,960,904 36,594,373 37,196,025 37,871,614 Loans 35,457,451 35,683,839 35,960,824 36,594,293 37,195,947 37,871,536 in rubles 35,411,392 35,638,600 35,915,332 36,549,491 37,152,203 37,827,951 in foreign currency 46,058 45,239 45,491 44,802 43,744 43,586 Debt securities 83 82 81 80 79 78 in rubles 83 82 81 80 79 78 in foreign currency — — — — — — Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 39 Table 1.14 (cont.) (millions of rubles, end of period) Dec, 2023 Jan, 2024 Feb, 2024 Mar, 2024 Apr, 2024 May, 2024 OTHER BROAD MONEY SUPPLY SOURCES DEPOSITS EXCLUDED FROM BROAD MONEY 1,543,622 1,493,302 1,560,248 1,579,971 1,442,906 1,576,198 DEBT SECURITIES EXCLUDED FROM BROAD MONEY 2,876,195 3,087,003 2,855,746 2,877,172 2,919,992 3,037,951 OTHER ITEMS (NET) 60,889,755 59,331,355 61,247,453 63,427,957 64,599,393 63,885,810 Escrow accounts of households1 5,573,817 5,511,373 5,500,278 5,591,887 5,716,036 6,070,074 MEMO ITEM Dec, 2023 Jan, 2024 Feb, 2024 Mar, 2024 Apr, 2024 May, 2024 HOUSEHOLDS LOANS 35,457,451 35,683,839 35,960,824 36,594,293 37,195,947 37,871,536 in rubles 35,411,392 35,638,600 35,915,332 36,549,491 37,152,203 37,827,951 mortgages 18,198,420 18,325,319 18,405,109 18,633,053 18,896,511 19,163,576 car loans 1,714,878 1,751,890 1,819,522 1,911,250 1,987,349 2,085,852 consumer loans 13,908,540 14,031,198 14,165,036 14,414,492 14,662,114 14,947,927 other loans 1,099,574 1,038,100 1,041,819 1,070,863 1,081,403 1,100,120 accrued interest claims 489,980 492,093 483,846 519,833 524,826 530,476 in foreign currency 46,058 45,239 45,491 44,802 43,744 43,586 mortgages 8,635 8,187 8,308 8,169 8,003 7,113 other loans 30,062 29,808 29,743 29,212 28,459 29,523 accrued interest claims 7,361 7,244 7,440 7,421 7,282 6,950 40 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.14 (cont.) (millions of rubles, end of period) June, 2024 July, 2024 Aug, 2024 Sep, 2024 Oct, 2024 Nov, 2024 BROAD MONEY LIABILITIES (М2Х) 116,809,177 117,931,405 119,977,538 121,761,893 123,407,307 126,511,988 MONETARY AGGREGATE М0 16,705,819 16,782,133 16,801,442 16,797,365 16,795,730 16,730,591 Transferable deposits of households 17,129,793 17,443,462 17,235,273 17,116,647 16,369,521 15,667,233 Transferable deposits of non-financial corporations 14,964,985 15,323,512 15,074,705 15,337,074 14,868,550 14,663,605 Transferable deposits of other financial corporations 1,475,897 1,549,216 1,484,978 1,580,605 1,558,113 1,468,336 MONETARY AGGREGATE М1 50,276,493 51,098,324 50,596,398 50,831,691 49,591,913 48,529,764 Other deposits of households 31,657,426 31,957,533 33,038,192 33,936,493 35,534,744 37,146,056 Other deposits of non-financial corporations 17,091,541 16,851,612 17,709,036 17,818,447 18,536,323 19,420,416 Other deposits of other financial corporations 4,531,766 4,443,871 4,899,034 5,048,202 5,284,875 5,928,920 MONETARY AGGREGATE М2 103,557,225 104,351,339 106,242,659 107,634,833 108,947,855 111,025,156 Deposists of households in foreign currency 3,654,048 3,656,259 3,780,266 3,821,178 3,903,080 4,141,640 Deposits of non-financial corporations in foreign currency 9,119,111 9,509,528 9,543,378 9,875,034 10,089,104 10,876,675 Deposits of other financial corporations in foreign currency 474,763 410,277 407,263 426,889 463,333 464,599 Certificates of deposit and savings certificates 4,030 4,001 3,971 3,959 3,934 3,918 BROAD MONEY SUPPLY SOURCES NET FOREIGN ASSETS 54,810,563 55,743,489 59,954,444 62,578,774 64,962,422 70,433,930 NET CLAIMS ON GENERAL GOVERNMENT –5,427,239 –6,032,714 –6,568,335 –7,747,795 –8,892,889 –8,703,471 CREDIT TO ECONOMY 133,881,028 136,137,556 138,888,291 141,046,714 143,735,237 145,958,294 in rubles 122,863,700 124,877,465 127,567,658 129,498,209 132,089,353 133,318,667 in foreign currency 11,017,328 11,260,091 11,320,633 11,548,504 11,645,884 12,639,626 Claims on other financial corporations 21,220,484 21,419,863 21,847,472 22,390,687 22,855,709 23,321,625 Loans 12,796,737 13,167,488 13,557,035 13,642,933 14,126,867 14,283,762 in rubles 11,344,237 11,651,193 12,074,497 12,061,143 12,558,003 12,722,313 in foreign currency 1,452,500 1,516,295 1,482,539 1,581,789 1,568,865 1,561,449 Debt securities 3,415,815 3,602,689 3,570,583 3,876,642 3,975,176 3,995,359 in rubles 2,691,046 2,884,384 2,880,172 3,164,491 3,277,538 3,238,784 in foreign currency 724,769 718,304 690,410 712,151 697,637 756,575 Other claims 5,007,932 4,649,686 4,719,853 4,871,112 4,753,666 5,042,504 in rubles 4,789,024 4,385,696 4,582,579 4,504,504 4,383,219 4,742,554 in foreign currency 218,908 263,990 137,275 366,608 370,446 299,949 Claims on non-financial corporations 73,786,015 75,535,072 77,417,486 78,833,954 80,864,744 83,279,458 Loans 66,862,735 68,462,282 70,291,402 71,745,291 73,815,985 76,113,909 in rubles 58,918,282 60,381,997 61,984,877 63,449,129 65,434,701 66,762,285 in foreign currency 7,944,453 8,080,285 8,306,526 8,296,161 8,381,284 9,351,625 Debt securities 2,278,061 2,308,185 2,353,880 2,275,562 2,225,065 2,299,003 in rubles 1,702,454 1,730,050 1,755,005 1,774,806 1,692,736 1,724,500 in foreign currency 575,607 578,135 598,875 500,756 532,330 574,504 Other claims 4,645,220 4,764,605 4,772,203 4,813,101 4,823,694 4,866,546 in rubles 4,585,668 4,703,011 4,709,641 4,764,800 4,770,936 4,816,031 in foreign currency 59,552 61,593 62,562 48,301 52,758 50,515 Claims on households 38,874,529 39,182,621 39,623,334 39,822,073 40,014,785 39,357,210 Loans 38,874,452 39,182,545 39,623,258 39,821,998 40,014,711 39,357,158 in rubles 38,832,913 39,141,057 39,580,811 39,779,261 39,972,147 39,312,149 in foreign currency 41,539 41,488 42,447 42,738 42,564 45,009 Debt securities 77 76 75 74 74 53 in rubles 77 76 75 74 74 53 in foreign currency — — — — — — Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 41 Table 1.14 (cont.) (millions of rubles, end of period) June, 2024 July, 2024 Aug, 2024 Sep, 2024 Oct, 2024 Nov, 2024 OTHER BROAD MONEY SUPPLY SOURCES DEPOSITS EXCLUDED FROM BROAD MONEY 1,578,481 1,584,091 1,608,936 1,597,701 1,574,455 1,604,493 DEBT SECURITIES EXCLUDED FROM BROAD MONEY 3,104,588 2,980,994 2,997,434 3,087,215 3,036,092 2,892,799 OTHER ITEMS (NET) 61,772,106 63,351,840 67,690,492 69,430,883 71,786,915 76,679,473 Escrow accounts of households1 6,510,912 6,615,238 6,671,137 6,707,186 6,642,776 6,711,201 MEMO ITEM June, 2024 July, 2024 Aug, 2024 Sep, 2024 Oct, 2024 Nov, 2024 HOUSEHOLDS LOANS 38,874,452 39,182,545 39,623,258 39,821,998 40,014,711 39,357,158 in rubles 38,832,913 39,141,057 39,580,811 39,779,261 39,972,147 39,312,149 mortgages 19,752,574 19,717,747 19,841,433 19,799,869 19,941,703 20,023,152 car loans 2,173,300 2,284,099 2,387,077 2,511,476 2,560,171 2,591,234 consumer loans 15,242,177 15,442,640 15,627,338 15,734,563 15,656,160 14,887,019 other loans 1,116,417 1,136,829 1,148,654 1,157,988 1,214,741 1,210,774 accrued interest claims 548,445 559,742 576,309 575,365 599,372 599,970 in foreign currency 41,539 41,488 42,447 42,738 42,564 45,009 mortgages 6,675 6,607 6,826 6,805 6,934 7,352 other loans 28,214 27,881 28,490 28,764 28,290 29,835 accrued interest claims 6,650 7,000 7,131 7,169 7,340 7,822 42 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.14 (cont.) (millions of rubles, end of period) Dec, 2024 Jan, 2025 Feb, 2025 Mar, 2025 Apr, 2025 May, 2025 BROAD MONEY LIABILITIES (М2Х) 131,138,254 130,438,287 130,221,307 128,589,037 129,461,222 129,852,143 MONETARY AGGREGATE М0 17,274,006 16,807,268 16,635,324 16,396,817 16,539,322 16,506,843 Transferable deposits of households 17,531,242 16,478,186 16,790,165 16,800,318 17,568,790 17,544,950 Transferable deposits of non-financial corporations 15,488,034 16,191,948 16,623,240 16,420,696 15,449,195 15,899,960 Transferable deposits of other financial corporations 1,422,180 1,587,356 1,537,967 1,517,092 1,473,744 1,430,161 MONETARY AGGREGATE М1 51,715,463 51,064,759 51,586,696 51,134,923 51,031,051 51,381,914 Other deposits of households 39,384,044 39,987,491 40,805,280 41,452,621 42,246,201 42,502,369 Other deposits of non-financial corporations 20,300,156 19,595,932 19,427,015 18,228,323 18,764,329 18,772,568 Other deposits of other financial corporations 5,856,724 5,929,569 5,878,626 5,683,155 5,495,521 5,554,526 MONETARY AGGREGATE М2 117,256,388 116,577,751 117,697,618 116,499,022 117,537,103 118,211,378 Deposists of households in foreign currency 3,851,358 3,733,577 3,354,485 3,227,387 3,191,399 3,090,732 Deposits of non-financial corporations in foreign currency 9,618,139 9,713,080 8,861,716 8,566,224 8,449,793 8,275,389 Deposits of other financial corporations in foreign currency 408,484 410,039 303,663 292,596 279,129 270,856 Certificates of deposit and savings certificates 3,885 3,840 3,824 3,807 3,797 3,788 BROAD MONEY SUPPLY SOURCES NET FOREIGN ASSETS 64,929,625 64,496,575 59,036,165 57,794,796 59,095,787 56,965,031 NET CLAIMS ON GENERAL GOVERNMENT –2,235,983 –2,398,690 –561,504 –1,759,011 –1,730,981 –926,753 CREDIT TO ECONOMY 145,651,871 144,598,910 143,892,962 144,388,160 145,791,126 146,438,307 in rubles 134,186,816 133,271,579 133,511,050 134,302,853 135,577,471 136,500,308 in foreign currency 11,465,055 11,327,331 10,381,911 10,085,307 10,213,655 9,938,000 Claims on other financial corporations 24,448,784 24,244,495 23,875,117 24,094,681 24,318,020 24,088,187 Loans 14,368,439 14,158,402 13,810,912 13,984,857 13,894,475 13,469,887 in rubles 13,022,340 12,834,539 12,651,473 12,847,657 12,725,079 12,390,735 in foreign currency 1,346,099 1,323,864 1,159,438 1,137,199 1,169,396 1,079,152 Debt securities 4,729,999 4,782,652 4,634,109 4,453,859 4,498,086 4,441,888 in rubles 4,012,036 4,085,321 4,004,801 3,947,036 4,078,964 4,035,191 in foreign currency 717,963 697,332 629,309 506,822 419,122 406,697 Other claims 5,350,346 5,303,441 5,430,096 5,655,966 5,925,459 6,176,412 in rubles 4,790,055 4,631,943 4,624,186 4,717,017 4,787,616 5,050,038 in foreign currency 560,291 671,498 805,909 938,949 1,137,843 1,126,374 Claims on non-financial corporations 82,286,731 81,607,933 81,397,988 81,617,648 82,762,182 83,482,568 Loans 74,926,895 74,010,761 73,678,704 73,760,668 74,703,685 75,351,138 in rubles 66,721,989 65,992,663 66,467,969 66,814,874 67,757,014 68,539,418 in foreign currency 8,204,906 8,018,098 7,210,734 6,945,794 6,946,671 6,811,720 Debt securities 2,439,066 2,688,052 2,710,887 2,882,518 2,976,382 3,026,854 in rubles 1,895,203 2,161,139 2,224,971 2,404,997 2,515,909 2,590,791 in foreign currency 543,863 526,913 485,916 477,520 460,473 436,062 Other claims 4,920,770 4,909,120 5,008,397 4,974,462 5,082,116 5,104,576 in rubles 4,873,323 4,863,082 4,957,139 4,933,260 5,038,928 5,062,513 in foreign currency 47,447 46,039 51,258 41,202 43,188 42,064 Claims on households 38,916,357 38,746,482 38,619,857 38,675,831 38,710,924 38,867,553 Loans 38,916,305 38,746,431 38,619,807 38,675,782 38,710,876 38,867,506 in rubles 38,871,818 38,702,843 38,580,460 38,637,962 38,673,914 38,831,575 in foreign currency 44,486 43,589 39,347 37,819 36,962 35,931 Debt securities 52 51 50 49 48 47 in rubles 52 51 50 49 48 47 in foreign currency — — — — — — Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 43 Table 1.14 (cont.) (millions of rubles, end of period) Dec, 2024 Jan, 2025 Feb, 2025 Mar, 2025 Apr, 2025 May, 2025 OTHER BROAD MONEY SUPPLY SOURCES DEPOSITS EXCLUDED FROM BROAD MONEY 1,625,360 1,579,190 1,604,271 1,567,758 1,622,650 1,580,883 DEBT SECURITIES EXCLUDED FROM BROAD MONEY 3,141,133 3,118,665 3,142,243 3,066,859 3,105,414 3,159,985 OTHER ITEMS (NET) 72,440,767 71,560,653 67,399,802 67,200,291 68,966,646 67,883,574 Escrow accounts of households1 6,128,071 6,017,040 6,184,506 6,273,462 6,338,708 6,547,703 MEMO ITEM Dec, 2024 Jan, 2025 Feb, 2025 Mar, 2025 Apr, 2025 May, 2025 HOUSEHOLDS LOANS 38,916,305 38,746,431 38,619,807 38,675,782 38,710,876 38,867,506 in rubles 38,871,818 38,702,843 38,580,460 38,637,962 38,673,914 38,831,575 mortgages 20,093,904 19,989,494 20,037,432 20,102,389 20,212,278 20,329,271 car loans 2,602,189 2,593,347 2,572,718 2,570,850 2,581,055 2,593,242 consumer loans 14,385,822 14,359,792 14,234,102 14,199,531 14,109,149 14,125,834 other loans 1,184,202 1,137,893 1,126,580 1,110,384 1,114,686 1,088,857 accrued interest claims 605,701 622,317 609,628 654,808 656,746 694,371 in foreign currency 44,486 43,589 39,347 37,819 36,962 35,931 mortgages 6,541 6,365 5,671 5,323 5,050 4,811 other loans 30,732 30,158 27,288 26,346 25,811 25,174 accrued interest claims 7,213 7,066 6,388 6,150 6,101 5,946 44 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.14 (cont.) (millions of rubles, end of period) June, 2025 July, 2025 Aug, 2025 Sep, 2025 Oct, 2025 Nov, 2025 BROAD MONEY LIABILITIES (М2Х) 130,656,687 132,246,332 133,831,962 135,070,033 136,910,683 138,348,483 MONETARY AGGREGATE М0 16,701,459 16,938,901 17,154,336 17,275,878 17,406,190 17,488,290 Transferable deposits of households 18,054,296 18,333,271 18,359,049 18,408,792 18,391,907 18,189,716 Transferable deposits of non-financial corporations 16,137,456 15,827,236 15,786,399 15,870,722 16,086,901 16,735,813 Transferable deposits of other financial corporations 1,518,198 1,436,645 1,582,593 1,464,420 1,544,816 1,514,083 MONETARY AGGREGATE М1 52,411,408 52,536,054 52,882,377 53,019,812 53,429,814 53,927,901 Other deposits of households 42,774,038 43,198,632 43,344,531 43,328,368 44,056,069 44,223,840 Other deposits of non-financial corporations 18,253,942 18,616,869 19,581,283 19,086,911 19,886,515 20,789,996 Other deposits of other financial corporations 5,649,285 5,685,641 5,758,683 5,825,555 5,693,177 5,774,012 MONETARY AGGREGATE М2 119,088,674 120,037,195 121,566,874 121,260,647 123,065,574 124,715,750 Deposists of households in foreign currency 3,101,011 3,242,186 3,197,055 3,330,788 3,468,912 3,436,650 Deposits of non-financial corporations in foreign currency 8,206,230 8,703,024 8,821,139 10,202,381 10,122,267 9,938,248 Deposits of other financial corporations in foreign currency 256,998 260,171 243,148 272,489 250,254 254,167 Certificates of deposit and savings certificates 3,775 3,755 3,745 3,728 3,675 3,667 BROAD MONEY SUPPLY SOURCES NET FOREIGN ASSETS 57,383,509 59,422,211 58,636,021 63,406,129 62,543,209 61,456,521 NET CLAIMS ON GENERAL GOVERNMENT –298,278 –176,560 –630,303 –1,011,250 –1,129,934 –333,505 CREDIT TO ECONOMY 147,038,201 149,044,419 151,527,955 152,789,317 155,305,344 157,169,465 in rubles 137,053,581 138,427,236 140,730,061 141,045,031 143,543,064 145,787,021 in foreign currency 9,984,620 10,617,183 10,797,894 11,744,285 11,762,280 11,382,444 Claims on other financial corporations 24,240,756 24,989,783 25,637,552 25,908,920 26,056,536 26,053,764 Loans 13,490,165 13,767,660 14,247,308 14,263,008 14,333,883 14,213,234 in rubles 12,403,943 12,665,565 12,919,642 12,892,841 12,951,950 12,879,678 in foreign currency 1,086,222 1,102,095 1,327,666 1,370,167 1,381,933 1,333,556 Debt securities 4,591,814 4,816,313 4,880,656 4,813,481 4,723,345 4,754,042 in rubles 4,189,619 4,368,807 4,437,116 4,339,692 4,253,499 4,336,591 in foreign currency 402,195 447,506 443,540 473,789 469,846 417,451 Other claims 6,158,777 6,405,809 6,509,588 6,832,430 6,999,308 7,086,489 in rubles 5,097,359 5,116,651 5,424,726 5,185,599 5,370,961 5,636,304 in foreign currency 1,061,418 1,289,159 1,084,862 1,646,831 1,628,346 1,450,185 Claims on non-financial corporations 83,917,561 85,224,504 86,734,280 87,516,197 89,560,426 91,249,155 Loans 75,538,109 76,636,259 77,891,775 78,535,411 80,469,027 82,099,539 in rubles 68,719,491 69,493,776 70,681,790 71,157,074 73,055,931 74,772,194 in foreign currency 6,818,617 7,142,484 7,209,985 7,378,337 7,413,096 7,327,345 Debt securities 3,184,039 3,333,213 3,552,165 3,719,830 3,748,764 3,770,652 in rubles 2,645,481 2,777,977 2,899,351 2,926,577 2,960,465 2,996,878 in foreign currency 538,558 555,236 652,814 793,253 788,299 773,774 Other claims 5,195,413 5,255,031 5,290,340 5,260,956 5,342,636 5,378,964 in rubles 5,153,105 5,210,345 5,246,710 5,214,491 5,296,295 5,332,352 in foreign currency 42,308 44,686 43,630 46,465 46,341 46,612 Claims on households 38,879,884 38,830,133 39,156,123 39,364,199 39,688,382 39,866,546 Loans 38,879,838 38,830,088 39,156,079 39,364,187 39,688,369 39,866,533 in rubles 38,844,537 38,794,070 39,120,683 39,328,744 39,653,951 39,833,011 in foreign currency 35,301 36,018 35,396 35,443 34,419 33,523 Debt securities 46 45 44 13 13 13 in rubles 46 45 44 13 13 13 in foreign currency — — — — — — Other claims — — — — — — in rubles — — — — — — in foreign currency — — — — — — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 45 Table 1.14 (cont.) (millions of rubles, end of period) June, 2025 July, 2025 Aug, 2025 Sep, 2025 Oct, 2025 Nov, 2025 OTHER BROAD MONEY SUPPLY SOURCES DEPOSITS EXCLUDED FROM BROAD MONEY 1,612,456 1,761,889 1,633,340 1,724,901 1,551,748 1,568,631 DEBT SECURITIES EXCLUDED FROM BROAD MONEY 3,143,639 3,282,305 3,349,736 3,423,585 3,409,648 3,376,665 OTHER ITEMS (NET) 68,710,649 70,999,544 70,718,636 74,965,676 74,846,541 74,998,703 Escrow accounts of households1 6,595,119 6,707,553 6,831,613 7,014,386 7,050,701 7,280,315 MEMO ITEM June, 2025 July, 2025 Aug, 2025 Sep, 2025 Oct, 2025 Nov, 2025 HOUSEHOLDS LOANS 38,879,838 38,830,088 39,156,079 39,364,187 39,688,369 39,866,533 in rubles 38,844,537 38,794,070 39,120,683 39,328,744 39,653,951 39,833,011 mortgages 20,400,325 20,332,343 20,551,270 20,765,177 21,053,783 21,303,506 car loans 2,658,983 2,719,401 2,794,005 2,879,504 2,957,445 3,010,438 consumer loans 14,009,050 13,940,778 13,942,208 13,855,349 13,780,553 13,643,610 other loans 1,083,127 1,084,987 1,087,756 1,089,330 1,103,068 1,105,618 accrued interest claims 693,052 716,561 745,444 739,384 759,102 769,839 in foreign currency 35,301 36,018 35,396 35,443 34,419 33,523 mortgages 4,699 4,828 4,683 4,733 4,516 4,280 other loans 24,913 25,617 25,224 25,256 24,548 23,994 accrued interest claims 5,689 5,573 5,489 5,454 5,355 5,249 46 Bank of Russia Statistical Bulletin No. 3 (394) 1. Main Macroeconomic and Monetary Indicators Table 1.14 (cont.) (millions of rubles, end of period) Dec, 2025 Jan, 2026 Feb, 2026 BROAD MONEY LIABILITIES (М2Х) 143,193,243 141,292,182 144,660,204 MONETARY AGGREGATE М0 18,234,207 17,853,904 18,095,235 Transferable deposits of households 20,378,427 18,766,119 19,590,694 Transferable deposits of non-financial corporations 15,874,295 16,662,579 17,387,478 Transferable deposits of other financial corporations 1,427,187 1,605,265 1,572,622 MONETARY AGGREGATE М1 55,914,116 54,887,868 56,646,028 Other deposits of households 45,751,129 46,231,460 46,705,158 Other deposits of non-financial corporations 21,949,012 20,608,728 21,493,451 Other deposits of other financial corporations 6,014,472 6,128,458 6,231,882 MONETARY AGGREGATE М2 129,628,729 127,856,514 131,076,519 Deposists of households in foreign currency 3,450,686 3,427,364 3,335,432 Deposits of non-financial corporations in foreign currency 9,859,369 9,769,994 9,916,142 Deposits of other financial corporations in foreign currency 250,887 234,736 328,547 Certificates of deposit and savings certificates 3,571 3,573 3,564 BROAD MONEY SUPPLY SOURCES NET FOREIGN ASSETS 62,404,980 66,374,517 65,709,612 NET CLAIMS ON GENERAL GOVERNMENT 3,372,372 2,315,935 6,123,193 CREDIT TO ECONOMY 156,550,163 155,458,860 156,322,644 in rubles 146,239,499 145,297,064 145,915,953 in foreign currency 10,310,664 10,161,796 10,406,692 Claims on other financial corporations 25,010,572 24,088,051 24,260,221 Loans 13,590,459 13,036,225 13,264,499 in rubles 12,620,739 12,092,285 12,196,386 in foreign currency 969,720 943,940 1,068,113 Debt securities 4,978,888 4,915,296 4,919,081 in rubles 4,568,952 4,517,256 4,539,609 in foreign currency 409,936 398,040 379,472 Other claims 6,441,224 6,136,530 6,076,641 in rubles 5,721,526 5,804,305 5,871,815 in foreign currency 719,698 332,225 204,826 Claims on non-financial corporations 91,530,042 91,104,108 91,804,978 Loans 82,493,209 82,084,446 82,586,241 in rubles 75,022,832 74,321,071 74,621,053 in foreign currency 7,470,377 7,763,374 7,965,189 Debt securities 3,663,513 3,661,919 3,808,018 in rubles 3,004,053 3,018,631 3,109,318 in foreign currency 659,460 643,288 698,700 Other claims 5,373,320 5,357,743 5,410,718 in rubles 5,324,852 5,309,149 5,353,040 in foreign currency 48,468 48,594 57,678 Claims on households 40,009,549 40,266,701 40,257,445 Loans 40,009,537 40,266,688 40,257,433 in rubles 39,976,532 40,234,354 40,224,720 in foreign currency 33,004 32,334 32,713 Debt securities 13 13 13 in rubles 13 13 13 in foreign currency — — — Other claims — — — in rubles — — — in foreign currency — — — 1. Main Macroeconomic and Monetary Indicators Bank of Russia Statistical Bulletin No. 3 (394) 47 Table 1.14 (end) (millions of rubles, end of period) Dec, 2025 Jan, 2026 Feb, 2026 OTHER BROAD MONEY SUPPLY SOURCES DEPOSITS EXCLUDED FROM BROAD MONEY 1,655,427 1,456,130 1,496,423 DEBT SECURITIES EXCLUDED FROM BROAD MONEY 3,499,586 3,471,696 3,501,749 OTHER ITEMS (NET) 73,979,259 77,929,304 78,497,073 Escrow accounts of households1 7,151,733 7,037,612 7,176,489 MEMO ITEM Dec, 2025 Jan, 2026 Feb, 2026 HOUSEHOLDS LOANS 40,009,537 40,266,688 40,257,433 in rubles 39,976,532 40,234,354 40,224,720 mortgages 21,667,508 21,910,612 21,989,761 car loans 3,043,109 3,042,032 3,058,982 consumer loans 13,384,168 13,392,669 13,289,806 other loans 1,114,512 1,099,979 1,105,066 accrued interest claims 767,235 789,062 781,106 in foreign currency 33,004 32,334 32,713 mortgages 4,193 4,017 4,046 other loans 23,841 23,443 23,716 accrued interest claims 4,970 4,874 4,951 1 Escrow accounts for the contracts for participation in shared-equity construction and for purchases of real estate. Notes. In July 2025, data were recalculated from the 01.01.2015 due methodological changes in calculating of securities portfolio (including updating the sector of issuers, changing the priority of information sources) and the emergence of new information sources. Data can be updated due to changes in reporting data, the emergence of new sources of information, methodological changes. Table 1.15 48 Other Financial Corporations Survey (millions of rubles, end of period) Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 No. 3 (394) Bank of Russia Statistical Bulletin Net foreign assets 7,516,409 7,599,601 5,727,806 5,705,724 7,175,202 7,616,762 8,284,256 7,854,759 Claims on banking system 12,608,791 12,163,371 11,601,850 11,966,339 12,855,668 14,111,670 14,048,745 15,070,475 Net claims on general government 3,355,966 3,564,200 3,352,627 3,217,119 3,620,423 3,347,933 4,053,515 3,954,802 Claims on other sectors 34,843,333 39,843,865 40,628,344 41,540,955 44,282,101 44,708,784 47,176,030 49,829,055 Nonfinancial organizations 33,197,961 38,268,347 39,046,124 39,799,630 42,390,523 42,711,438 45,231,079 47,607,346 Households2 1,645,372 1,575,518 1,582,219 1,741,325 1,891,578 1,997,346 1,944,951 2,221,709 Securities other than shares 2,127,449 1,843,166 1,883,738 2,150,483 3,407,714 3,474,145 3,782,208 4,419,610 Loans 17,095,409 17,264,896 16,427,934 17,764,961 18,705,521 19,042,894 20,189,155 22,164,698 Credit institutions 8,597,967 8,506,256 7,500,762 7,952,045 8,318,560 8,051,488 8,582,042 9,618,918 Insurance technical reserves 6,975,608 7,051,722 6,874,049 6,932,007 7,165,078 7,183,710 7,212,252 7,224,121 Net equity of households in life insurance reserves 1,480,624 1,483,673 1,354,529 1,395,931 1,432,816 1,455,074 1,487,571 1,526,314 Net equity of households in pension funds 4,382,646 4,388,254 4,381,527 4,370,959 4,540,171 4,527,594 4,520,782 4,511,011 Prepaid premiums/reserves against outstanding claims 1,112,338 1,179,796 1,137,993 1,165,117 1,192,092 1,201,042 1,203,899 1,186,795 of which: credit institutions 58,487 54,270 47,332 47,270 43,073 36,926 36,794 27,105 Other items (net) 32,126,034 37,011,254 36,124,906 35,582,687 38,655,082 40,084,400 42,378,929 42,900,663 1. Main Macroeconomic and Monetary Indicators Table 1.15 (end) 1. Main Macroeconomic and Monetary Indicators (millions of rubles, end of period) Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 20241 Q1 20251 Q2 20251 Q3 20251 Net foreign assets 7,566,115 7,776,986 6,913,062 7,118,956 7,762,460 6,406,343 7,148,069 6,682,095 Claims on banking system 16,277,922 16,873,846 18,106,892 19,255,607 21,116,973 20,631,022 20,869,795 21,143,607 Net claims on general government 4,087,890 4,352,248 4,551,194 4,539,357 5,374,018 5,960,690 6,402,891 7,220,261 Claims on other sectors 53,659,537 55,258,770 55,706,066 56,987,937 60,283,930 65,150,737 65,569,764 68,047,486 Nonfinancial organizations 51,044,482 52,499,450 52,999,046 53,867,958 56,287,679 59,386,674 59,688,715 61,719,156 Households 2 2,615,054 2,759,320 2,707,020 3,119,979 3,996,252 5,764,062 5,881,049 6,328,330 Securities other than shares 5,150,920 5,351,363 5,215,733 5,735,935 6,886,949 6,787,106 6,987,017 7,492,044 Loans 23,744,082 24,526,638 25,067,542 26,744,056 28,681,735 28,145,760 27,625,352 28,238,787 Credit institutions 10,871,921 10,996,214 11,321,919 12,221,120 12,947,265 12,542,503 12,026,718 12,824,311 Insurance technical reserves 7,677,770 7,793,690 7,913,126 8,360,991 8,819,997 8,694,367 8,803,194 9,089,653 Net equity of households in life insurance reserves 1,564,164 1,634,853 1,722,418 2,165,542 2,153,342 2,285,570 2,359,386 2,466,261 Net equity of households in pension funds 4,862,603 4,856,317 4,868,561 4,876,039 5,266,668 5,276,442 5,319,506 5,403,449 Prepaid premiums/reserves against outstanding claims 1,251,004 1,302,521 1,322,147 1,319,410 1,399,987 1,132,355 1,124,302 1,219,942 of which: credit institutions 30,758 30,342 30,635 31,047 78,109 65,775 68,766 67,538 Other items (net) 45,018,692 46,590,158 47,080,813 47,060,874 50,148,702 54,521,558 56,574,955 58,272,966 1 Preliminary data. 2 Starting from 01.04.2025, data reflect the transition to IFRS 17 (International Financial Reporting Standard 17). Note. Data can be updated due to changes in reporting data, the emergence of new sources of information, methodological changes. Bank of Russia Statistical Bulletin 49 No. 3 (394) Table 1.16 50 Financial Sector Survey (millions of rubles, end of period) Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 No. 3 (394) Bank of Russia Statistical Bulletin Net foreign assets 60,596,971 68,920,583 42,949,415 44,351,683 54,161,006 59,572,527 64,782,724 69,077,930 Domestic claims 103,594,459 107,146,787 111,791,284 118,192,377 128,899,082 131,931,061 139,006,744 147,077,751 Net claims on general government –5,703,086 –10,243,671 –4,822,298 –3,313,878 –496,791 –1,438,824 –1,641,425 –3,092,332 Claims on other sectors 109,297,545 117,390,458 116,613,582 121,506,255 129,395,873 133,369,885 140,648,169 150,170,082 Nonfinancial organizations 81,304,672 88,766,293 88,166,450 91,917,944 98,692,632 101,617,584 107,178,886 113,875,097 Households 27,992,872 28,624,164 28,447,132 29,588,311 30,703,241 31,752,301 33,469,284 36,294,985 Currency outside financial sector 13,187,285 13,820,743 13,277,541 14,156,611 15,415,051 15,800,208 16,900,784 17,329,600 Deposits 68,176,987 69,467,969 65,232,983 69,330,139 76,328,914 77,969,569 80,617,610 85,255,786 Securities other than shares 1,937,479 1,705,137 1,594,977 1,430,711 1,812,466 2,232,036 2,515,893 3,433,987 Loans 7,170,168 7,498,936 7,729,639 8,673,195 9,287,797 9,892,680 10,519,801 11,448,570 Insurance technical reserves 6,917,121 6,997,451 6,826,717 6,884,737 7,122,005 7,146,784 7,175,458 7,197,015 Other items (net) 66,802,389 76,577,133 60,078,841 62,068,667 73,093,855 78,462,312 86,059,921 91,490,723 1. Main Macroeconomic and Monetary Indicators Table 1.16 (end) 1. Main Macroeconomic and Monetary Indicators (millions of rubles, end of period) Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 20241 Q1 20251 Q2 20251 Q3 20251 Net foreign assets 65,643,730 67,158,344 61,723,625 69,697,730 72,692,085 64,201,139 64,531,578 70,088,223 Domestic claims 157,549,887 161,264,248 167,490,565 172,435,526 184,625,053 189,645,894 194,471,822 201,137,355 Net claims on general government –143,022 –1,360,284 –876,045 –3,208,438 3,138,035 4,201,679 6,104,613 6,209,012 Claims on other sectors 157,692,909 162,624,532 168,366,610 175,643,964 181,487,018 185,444,215 188,367,209 194,928,343 Nonfinancial organizations 119,620,321 123,270,839 126,785,061 132,701,912 138,574,410 141,004,322 143,606,276 149,235,815 Households 38,072,587 39,353,693 41,581,549 42,942,052 42,912,608 44,439,893 44,760,933 45,692,529 Currency outside financial sector 17,112,207 16,602,546 16,684,362 16,776,981 17,240,912 16,378,345 16,683,793 17,257,772 Deposits 91,231,044 92,828,339 95,061,107 99,353,773 107,695,076 106,140,777 107,980,300 111,789,580 Securities other than shares 3,304,375 3,420,209 3,688,221 3,866,966 3,970,209 4,031,607 4,170,312 4,876,822 Loans 11,498,151 12,165,319 12,270,805 13,101,123 14,313,296 14,160,903 14,135,186 13,975,778 Insurance technical reserves 7,647,012 7,763,348 7,882,491 8,329,944 8,741,888 8,628,592 8,734,428 9,022,115 Other items (net) 92,400,828 95,642,831 93,627,205 100,704,469 105,355,758 104,506,809 107,299,380 114,303,511 1 Preliminary data. Note. Data can be updated due to changes in reporting data, the emergence of new sources of information, methodological changes. Bank of Russia Statistical Bulletin 51 No. 3 (394) Table 1.17 52 Financial assets and liabilities of the Households sector (billions of rubles) 31.12.2022 31.03.2023 30.06.2023 30.09.2023 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 ASSETS 122,539.0 126,531.1 135,758.4 145,599.9 150,912.5 155,863.8 157,155.2 163,532.4 174,305.6 171,989.2 175,298.3 179,806.7 187,703.0 No. 3 (394) Bank of Russia Statistical Bulletin CURRENCY 21,591.7 22,576.0 24,560.1 25,748.6 24,940.5 24,624.1 24,001.2 24,729.2 25,696.9 23,185.0 23,074.0 23,976.0 24,487.3 Domestic currency 14,720.0 15,042.1 16,126.5 16,467.4 16,211.9 15,745.3 15,835.6 15,975.3 16,336.5 15,521.3 15,740.7 16,194.1 17,167.3 Foreign currency 6,871.7 7,534.0 8,433.6 9,281.2 8,728.7 8,878.8 8,165.6 8,753.9 9,360.4 7,663.7 7,333.3 7,781.8 7,320.0 DEPOSITS 42,721.6 43,928.0 47,181.2 49,944.5 54,223.2 56,588.5 59,350.9 62,386.8 68,987.0 68,246.7 70,238.1 71,742.0 75,822.9 Transferable deposits with credit institutions 14,015.5 13,906.7 15,614.7 15,254.8 16,053.9 15,937.1 17,129.8 17,116.6 17,531.2 16,800.3 18,054.3 18,408.8 20,378.4 in rubles 14,015.5 13,906.7 15,614.7 15,254.8 16,053.9 15,937.1 17,129.8 17,116.6 17,531.2 16,800.3 18,054.3 18,408.8 20,378.4 with accrued interest1 7,535.6 7,732.9 8,828.3 8,538.0 8,375.5 9,676.1 10,514.5 10,456.7 10,291.4 10,124.4 11,175.6 11,477.6 12,451.8 without accrued interest 6,479.9 6,173.8 6,786.4 6,716.7 7,678.4 6,260.9 6,615.3 6,660.0 7,239.8 6,675.9 6,878.7 6,931.2 7,926.6 in foreign currency — — — — — — — — — — — — — Other deposits with credit institutions 24,314.7 24,796.5 25,534.6 27,777.9 31,605.5 33,646.6 35,537.7 37,984.7 43,474.6 44,911.5 46,111.4 46,965.1 49,463.6 in rubles 20,436.7 20,961.1 21,592.2 23,661.5 27,540.3 29,548.7 31,817.3 34,097.8 39,557.9 41,619.2 42,945.6 43,569.3 45,948.5 in foreign currency 3,878.0 3,835.3 3,942.4 4,116.4 4,065.2 4,097.9 3,720.4 3,886.8 3,916.7 3,292.3 3,165.9 3,395.9 3,515.1 Deposits with non-resident banks 2 4,391.4 5,224.8 6,032.0 6,911.8 6,563.8 7,004.8 6,683.4 7,285.4 7,981.2 6,534.9 6,072.4 6,368.1 5,980.9 in rubles — — — — — — — — — — — — — in foreign currency 4,391.4 5,224.8 6,032.0 6,911.8 6,563.8 7,004.8 6,683.4 7,285.4 7,981.2 6,534.9 6,072.4 6,368.1 5,980.9 Funds in brokerage accounts 583.6 573.1 643.0 609.5 552.5 507.8 422.3 442.8 429.3 406.0 376.1 380.4 409.7 in rubles 317.6 311.9 387.8 381.3 351.2 322.5 278.5 314.3 314.9 295.2 258.8 258.1 293.8 in foreign currency 266.0 261.2 255.2 228.2 201.3 185.3 143.8 128.5 114.4 110.8 117.3 122.3 115.9 1. Main Macroeconomic and Monetary Indicators Debt securities 3,417.0 3,760.9 4,179.2 4,482.4 4,323.2 4,374.7 4,324.0 4,420.3 4,708.6 4,820.8 4,964.1 5,663.6 5,578.7 Short-term debt securities of residents 26.3 30.3 33.6 62.2 96.1 100.7 95.6 77.2 64.0 77.0 73.6 85.5 76.6 in rubles 24.0 27.5 33.4 60.0 87.8 86.7 77.3 61.0 56.3 70.4 65.1 72.7 65.5 Banks 23.7 27.4 33.0 56.0 79.7 77.2 69.3 52.5 52.0 63.9 56.1 59.0 48.2 Other financial corporations 0.1 0.1 0.4 3.0 5.2 6.2 6.9 7.2 3.5 2.1 4.6 9.3 13.4 General government 0.2 … … 0.9 2.2 2.6 0.4 0.5 … … … … … Non-financial corporations … … … 0.2 0.6 0.7 0.7 0.8 0.8 4.4 4.4 4.4 4.0 in foreign currency 2.3 2.8 0.1 2.2 8.3 14.1 18.2 16.2 7.7 6.6 8.5 12.8 11.1 Banks — — 0.1 2.2 2.3 5.9 13.2 14.8 7.7 3.0 0.5 0.1 0.1 Other financial corporations 0.9 1.1 … … 4.4 4.5 … … … 3.6 3.7 8.6 7.6 Non-financial corporations 1.4 1.7 … … 1.6 3.7 5.1 1.4 … … 4.2 4.2 3.4 Table 1.17 (cont.) 1. Main Macroeconomic and Monetary Indicators (billions of rubles) 31.12.2022 31.03.2023 30.06.2023 30.09.2023 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Long-term debt securities of residents 2,191.1 2,546.6 2,818.5 3,041.9 3,080.2 3,188.3 3,343.3 3,519.9 3,702.3 3,955.5 4,202.7 4,871.4 4,883.9 in rubles 1,521.8 1,516.9 1,612.0 1,690.7 1,691.5 1,746.5 1,811.2 1,901.4 1,941.8 2,207.7 2,482.1 2,903.0 3,157.9 Banks 631.0 704.6 713.8 699.5 631.3 639.2 596.0 595.8 551.3 568.3 630.4 666.0 697.6 Other financial corporations 191.1 203.5 252.1 263.2 281.9 292.4 321.5 350.9 401.6 469.1 510.7 630.9 714.3 Insurance companies … … … … … … … … … … … … … General government 474.2 375.9 378.9 444.9 482.8 473.9 533.7 562.4 581.4 687.2 787.8 940.4 1,022.0 Non-financial corporations 225.4 232.9 267.3 283.2 295.4 340.9 360.0 392.2 407.6 483.1 553.3 665.8 724.0 in foreign currency 669.3 1,029.7 1,206.5 1,351.2 1,388.7 1,441.7 1,532.2 1,618.5 1,760.5 1,747.8 1,720.6 1,968.3 1,726.0 Banks 88.5 97.4 133.7 152.2 163.5 173.9 279.6 266.9 276.6 287.5 252.6 289.2 263.5 Other financial corporations 95.7 258.6 322.7 374.0 449.8 451.5 413.8 413.7 443.0 413.6 419.1 465.9 468.6 General government 321.6 366.7 421.6 438.5 399.2 429.5 402.2 447.9 512.0 513.9 517.4 554.7 512.6 Non-financial corporations 163.6 306.9 328.5 386.6 376.2 386.9 436.6 490.0 529.0 532.8 531.5 658.5 481.2 Certificates of deposit 4.8 4.5 4.5 4.4 4.2 4.2 4.1 4.0 4.0 3.9 3.9 3.8 3.7 Debt securities of non-residents 1,194.7 1,179.5 1,322.7 1,373.9 1,142.7 1,081.5 881.0 819.2 938.2 784.4 683.9 702.9 614.6 in rubles 54.0 52.1 61.7 73.6 70.5 75.2 62.7 62.0 58.0 54.5 37.8 36.9 36.3 in foreign currency 1,140.8 1,127.4 1,261.0 1,300.3 1,072.2 1,006.3 818.2 757.2 880.3 729.9 646.1 666.0 578.3 LOANS 829.7 888.6 994.8 1,075.7 1,078.4 1,094.7 1,142.6 1,149.8 1,217.0 1,078.6 1,114.5 1,114.0 1,073.6 Loans issued to resident legal entities in rubles 607.6 631.8 686.7 727.6 735.4 743.7 787.2 771.0 811.6 689.7 732.7 718.7 684.6 and foreign currency Loans issued to non-residents 222.2 256.8 308.1 348.0 343.0 351.0 355.4 378.8 405.3 388.9 381.8 395.3 389.0 Bank of Russia Statistical Bulletin in rubles 90.3 108.7 131.6 150.0 160.5 163.6 169.7 178.4 186.6 209.5 213.2 217.7 221.4 in foreign currency 131.9 148.1 176.5 198.0 182.5 187.4 185.6 200.4 218.7 179.4 168.6 177.7 167.6 Shares and other equity stakes 42,119.3 43,395.7 46,355.2 50,875.9 52,355.5 55,132.7 53,309.0 54,989.9 58,026.1 58,776.9 59,138.3 59,726.9 62,322.9 Listed shares of residents 3,889.9 4,427.2 4,992.6 5,768.7 5,870.5 6,525.8 6,098.3 5,796.1 5,577.6 6,658.4 6,259.0 5,932.0 6,145.2 in rubles 3,772.6 4,292.2 4,846.8 5,604.3 5,732.2 6,391.5 5,963.7 5,687.1 5,470.4 6,498.2 6,134.8 5,806.9 6,004.2 No. 3 (394) Banks 331.9 505.4 569.9 664.6 696.2 772.0 862.6 728.4 750.7 834.1 874.6 800.3 864.7 Other financial corporations 242.5 305.2 363.9 422.4 368.5 690.4 665.5 696.3 690.0 836.9 763.6 828.9 857.4 Insurance companies 4.2 5.0 6.8 11.1 8.9 9.9 7.6 8.0 8.8 16.5 15.2 13.9 13.7 Non-financial corporations 3,194.0 3,476.6 3,906.2 4,506.2 4,658.6 4,919.2 4,428.0 4,254.4 4,021.0 4,810.6 4,481.4 4,163.8 4,268.4 in foreign currency 117.3 135.0 145.8 164.5 138.2 134.3 134.5 109.0 107.2 160.2 124.2 125.1 141.0 Other financial corporations 117.3 135.0 145.8 164.5 138.2 134.3 134.5 109.0 107.2 160.2 124.2 125.1 141.0 53 Table 1.17 (cont.) 54 (billions of rubles) 31.12.2022 31.03.2023 30.06.2023 30.09.2023 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Unlisted shares and other equity stakes in residents 22,152.8 22,742.6 23,702.1 25,480.9 26,109.4 27,245.2 27,609.5 28,996.2 30,074.7 31,180.6 31,809.7 31,624.6 33,811.8 Units and investment fund shares of residents 3,083.8 3,362.3 3,693.7 4,123.6 5,837.0 6,282.5 6,557.1 7,310.5 8,504.8 9,193.9 9,999.3 10,558.5 11,291.5 No. 3 (394) Bank of Russia Statistical Bulletin in rubles 2,996.2 3,274.8 3,614.3 4,056.3 5,764.5 6,196.4 6,482.4 7,247.1 8,411.9 9,109.0 9,921.4 10,475.4 11,213.7 in foreign currency 87.6 87.5 79.4 67.3 72.4 86.1 74.8 63.3 92.9 84.9 77.9 83.1 77.8 Listed shares of non-residents 720.2 941.2 1,209.7 1,423.1 1,511.6 1,620.6 1,600.9 1,275.2 1,404.9 1,094.9 1,109.9 1,295.5 1,116.4 in rubles 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 in foreign currency 720.2 941.2 1,209.7 1,423.0 1,511.6 1,620.6 1,600.9 1,275.2 1,404.9 1,094.9 1,109.9 1,295.5 1,116.4 Unlisted shares and other equity stakes in non-residents 11,973.8 11,582.9 12,384.4 13,691.3 12,676.5 13,084.0 11,090.4 11,242.1 12,051.9 10,285.7 9,615.0 9,918.0 9,556.3 Units and investment fund shares of non-residents 298.7 339.5 372.5 388.4 350.7 374.8 352.7 369.8 412.2 363.5 345.5 398.4 401.8 in rubles 5.6 4.0 4.0 4.0 4.0 4.9 5.7 5.4 5.5 5.5 3.5 3.9 5.3 in foreign currency 293.2 335.5 368.5 384.4 346.7 369.9 347.0 364.4 406.8 358.0 342.0 394.5 396.5 Insurance and pension reserves and pension savings 6,664.0 6,645.2 6,668.9 6,689.8 7,086.4 7,135.6 7,251.9 7,698.8 8,148.0 8,101.7 8,225.3 8,473.5 9,118.8 Insurance reserves 2,122.2 2,113.3 2,148.3 2,179.0 2,221.6 2,278.5 2,382.7 2,822.7 2,881.4 2,825.2 2,905.7 3,070.1 3,533.2 Pension reserves and pension savings 4,541.7 4,532.0 4,520.7 4,510.8 4,864.8 4,857.1 4,869.3 4,876.0 5,266.7 5,276.4 5,319.5 5,403.4 5,585.6 pension reserves under long-term savings agreements … … … … … 2.4 11.1 36.6 101.6 239.8 282.4 386.8 512.2 Accounts receivable 584.4 700.6 773.1 914.5 779.0 813.8 842.5 1,007.6 964.6 1,100.2 1,572.8 1,715.9 1,737.3 Funds in escrow accounts 4,027.8 4,063.0 4,402.9 5,259.2 5,573.8 5,591.9 6,510.9 6,707.2 6,128.1 6,273.5 6,595.1 7,014.4 7,151.7 LIABILITIES 32,385.8 33,341.0 35,008.9 37,824.5 39,705.9 41,033.6 43,125.8 44,509.7 44,636.7 46,117.1 46,370.0 47,333.6 48,554.8 Debt securities 5.1 6.3 6.7 6.2 5.6 5.8 5.3 4.9 4.4 3.5 2.9 1.7 3.1 1. Main Macroeconomic and Monetary Indicators Debt securities of residents 4.7 5.9 6.5 5.9 5.5 5.7 5.1 4.7 4.3 3.3 2.8 1.6 2.9 Debt securities of non-residents 0.4 0.4 0.3 0.3 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 in rubles 0.4 0.4 0.3 0.3 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 in foreign currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Loans and microloans 31,123.4 32,180.2 33,898.1 36,758.4 38,511.1 39,809.3 41,981.9 43,372.7 43,363.7 43,074.8 43,277.4 44,039.9 45,027.5 Loans to credit institutions 28,810.9 29,754.2 31,523.6 34,072.5 35,457.5 36,594.3 38,874.5 39,822.0 38,916.3 38,675.8 38,879.8 39,364.2 40,009.5 in rubles 28,756.9 29,698.3 31,467.8 34,018.4 35,411.4 36,549.5 38,832.9 39,779.3 38,871.8 38,638.0 38,844.5 39,328.7 39,976.5 in foreign currency 54.0 56.0 55.8 54.0 46.1 44.8 41.5 42.7 44.5 37.8 35.3 35.4 33.0 Housing mortgage loans 14,067.0 14,658.3 15,654.2 17,102.6 18,207.1 18,641.2 19,759.2 19,806.7 20,100.3 20,107.7 20,405.0 20,769.9 21,671.7 in rubles 14,057.9 14,648.8 15,644.3 17,092.5 18,198.4 18,633.1 19,752.6 19,799.9 20,093.8 20,102.4 20,400.3 20,765.2 21,667.5 in foreign currency 9.1 9.4 9.9 10.2 8.6 8.2 6.7 6.8 6.5 5.3 4.7 4.7 4.2 Table 1.17 (end) 1. Main Macroeconomic and Monetary Indicators (billions of rubles) 31.12.2022 31.03.2023 30.06.2023 30.09.2023 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Car loans 1,211.3 1,251.6 1,361.7 1,541.5 1,714.9 1,911.3 2,173.3 2,511.5 2,602.2 2,570.9 2,659.0 2,879.5 3,043.1 in rubles 1,211.3 1,251.6 1,361.7 1,541.5 1,714.9 1,911.3 2,173.3 2,511.5 2,602.2 2,570.9 2,659.0 2,879.5 3,043.1 in foreign currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Consumer loans 12,277.8 12,555.9 13,117.5 13,902.9 13,908.5 14,414.5 15,242.2 15,734.6 14,385.8 14,199.5 14,009.0 13,855.3 13,384.2 in rubles 12,277.8 12,555.9 13,117.5 13,902.9 13,908.5 14,414.5 15,242.2 15,734.6 14,385.8 14,199.5 14,009.0 13,855.3 13,384.2 in foreign currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Other loans 796.5 830.9 926.7 1,038.5 1,129.8 1,100.3 1,144.8 1,187.0 1,215.3 1,137.0 1,108.6 1,115.1 1,138.4 in rubles 759.1 792.3 889.0 1,003.2 1,099.7 1,071.1 1,116.6 1,158.2 1,184.5 1,110.7 1,083.7 1,089.8 1,114.5 in foreign currency 37.4 38.6 37.7 35.3 30.1 29.2 28.2 28.8 30.7 26.3 24.9 25.3 23.8 Accrued interest claims3 458.3 457.5 463.5 487.0 497.3 527.3 555.1 582.5 612.9 661.0 698.7 744.8 772.2 in rubles 450.8 449.6 455.3 478.5 490.0 519.8 548.4 575.4 605.7 654.8 693.1 739.4 767.2 in foreign currency 7.4 7.9 8.2 8.5 7.4 7.4 6.7 7.2 7.2 6.2 5.7 5.5 5.0 Housing mortgage loans sold to mortgage agents, 1,055.9 995.7 972.1 1,159.1 1,468.5 1,443.6 1,440.9 1,803.7 1,726.6 1,753.6 1,725.6 1,887.6 2,115.6 including repayment Consumer loans sold to special-purpose financial … … … … … … … … 918.9 834.2 766.3 728.8 852.7 companies Microloans received from microfinance organizations4 520.5 540.0 570.3 607.9 624.5 660.5 696.3 750.8 822.4 926.4 998.0 1,066.0 1,072.3 Microloans received from other legal entities 405.7 579.0 522.6 567.4 595.6 739.9 626.4 624.3 585.7 551.3 581.5 652.3 651.3 Loans and microloans of non-residents 330.3 311.2 309.5 351.4 365.0 371.1 343.9 371.8 393.8 333.5 326.1 341.1 326.2 in rubles 16.6 15.9 16.4 21.2 55.1 55.6 56.1 56.4 58.2 57.5 57.1 57.6 57.9 in foreign currency 313.7 295.4 293.1 330.2 309.8 315.6 287.8 315.4 335.6 276.0 269.0 283.5 268.3 Bank of Russia Statistical Bulletin Accounts payable5 1,257.3 1,154.6 1,104.0 1,060.0 1,189.2 1,218.5 1,138.6 1,132.2 1,268.5 3,038.9 3,089.8 3,292.0 3,524.2 MEMO ITEM 31.12.2022 31.03.2023 30.06.2023 30.09.2023 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Assets minus liabilities 90,153.2 93,190.1 100,749.5 107,775.4 111,206.6 114,830.2 114,029.4 119,022.7 129,668.9 125,872.1 128,928.2 132,473.1 139,148.2 No. 3 (394) 1 Data from the surveys of credit institutions about current accounts of resident individuals (before 1 February 2024) and about bank accounts of individual entrepreneurs. 2 Deposits with non-resident banks may include funds used to purchase real estate abroad and to purchase goods in foreign online stores. 3 Interest on loans and microloans accrued but not paid. 4 Microcredit and microfinance companies. 5 Starting from 1 April 2025, data reflect the transition to IFRS 17. Note. Data may be updated, due to changes in reporting data, the emergence of new sources of information, the replacement of estimated data with reporting data, and methodological changes. 55 Table 1.18 56 Transactions with financial assets of the Households sector (billions of rubles) Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 ASSETS 1,501.9 4,212.7 3,970.4 5,502.8 1,863.7 5,235.2 3,350.6 6,249.0 1,233.6 4,316.4 3,060.6 6,544.2 No. 3 (394) Bank of Russia Statistical Bulletin CURRENCY 304.4 1,004.7 267.9 –167.8 –511.5 8.0 –12.6 229.9 –857.4 183.8 496.9 937.4 Domestic currency 322.1 1,084.4 340.9 –255.6 –466.6 90.3 139.7 361.2 –815.2 219.5 453.4 973.1 Foreign currency –17.7 –79.7 –73.1 87.7 –44.9 –82.3 –152.3 –131.3 –42.2 –35.7 43.5 –35.7 DEPOSITS 380.0 2,120.6 1,603.8 4,818.6 2,039.5 3,561.8 2,074.3 5,657.6 1,265.4 2,505.6 921.4 4,513.3 Transferable deposits with credit institutions –108.8 1,708.0 –359.9 799.1 –116.8 1,192.7 –13.1 414.6 –730.9 1,254.0 354.5 1,969.6 in rubles –108.8 1,708.0 –359.9 799.1 –116.8 1,192.7 –13.1 414.6 –730.9 1,254.0 354.5 1,969.6 with accrued interest1 197.4 1,095.3 –290.2 –162.6 1,300.7 838.4 –57.8 –165.3 –167.0 1,051.2 302.0 974.2 without accrued interest –306.2 612.6 –69.7 961.7 –1,417.5 354.3 44.7 579.9 –563.9 202.8 52.4 995.4 in foreign currency — — — — — — — — — — — — Other deposits with credit institutions 102.3 289.6 1,810.9 3,812.4 1,915.9 2,177.1 2,030.6 5,252.4 2,026.7 1,307.5 610.3 2,575.0 in rubles 524.4 631.0 2,069.3 3,878.8 2,008.5 2,268.6 2,280.5 5,460.1 2,061.3 1,326.4 623.7 2,379.3 in foreign currency –422.1 –341.4 –258.5 –66.4 –92.6 –91.5 –250.0 –207.6 –34.6 –18.9 –13.4 195.7 Deposits with non-resident banks 2 386.5 123.1 152.9 207.0 240.4 191.9 56.9 –9.4 –30.4 –55.9 –43.5 –31.3 in rubles — — — — — — — — — — — — in foreign currency 386.5 123.1 152.9 207.0 240.4 191.9 56.9 –9.4 –30.4 –55.9 –43.5 –31.3 Funds in brokerage accounts –35.7 38.5 –61.9 –39.7 –50.1 –73.4 10.2 –25.3 –3.6 –22.5 –2.4 36.1 in rubles –5.7 75.9 –6.6 –30.0 –28.8 –44.0 35.8 0.6 –19.7 –36.5 –0.6 35.7 in foreign currency –30.0 –37.4 –55.4 –9.6 –21.3 –29.4 –25.6 –25.9 16.1 13.9 –1.8 0.5 1. Main Macroeconomic and Monetary Indicators Debt securities 149.7 123.5 515.4 40.0 7.2 143.5 30.3 91.8 466.7 263.1 539.9 61.2 Short-term debt securities of residents 3.8 3.3 28.8 33.8 4.3 –4.3 –20.5 –13.7 13.5 –2.8 11.6 –5.9 in rubles 3.6 5.9 26.8 27.7 –1.1 –9.4 –16.4 –4.8 14.1 –5.2 7.8 –4.7 Banks 3.8 5.5 23.2 23.7 –2.6 –8.0 –16.8 –0.6 11.9 –7.8 2.8 –10.7 Other financial corporations … 0.4 2.5 2.3 0.9 0.7 0.3 –3.7 –1.4 2.5 4.7 4.1 General government –0.2 … 0.9 1.3 0.4 –2.2 … –0.5 … … … … Non-financial corporations … … 0.2 0.4 0.1 … 0.1 … 3.7 0.2 0.3 1.8 in foreign currency 0.2 –2.6 2.0 6.2 5.4 5.1 –4.1 –9.0 –0.6 2.3 3.8 –1.2 Banks … 0.1 2.0 0.2 3.6 8.0 … –7.6 –4.2 –2.4 –0.5 0.0 Other financial corporations … –1.1 … 4.3 –0.1 –4.5 … … 3.6 0.3 4.5 –0.6 Non-financial corporations 0.1 –1.7 … 1.6 1.9 1.7 –4.0 –1.4 … 4.4 –0.2 –0.6 Table 1.18 (cont.) 1. Main Macroeconomic and Monetary Indicators (billions of rubles) Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Long-term debt securities of residents 271.6 124.8 103.4 116.6 78.3 326.0 144.8 93.4 436.0 312.3 541.8 108.4 in rubles –19.9 84.1 107.5 13.8 46.8 97.1 119.2 93.8 236.2 244.1 399.6 261.2 Banks 55.4 –2.6 –7.2 –68.9 –6.6 –31.9 8.8 –26.4 –13.9 41.2 25.4 17.0 Other financial corporations 12.9 48.5 20.6 25.5 16.9 36.7 39.3 67.6 69.9 41.2 121.5 94.0 Insurance companies … … … … … … … … … … … … General government –98.2 3.3 66.4 39.2 –8.7 60.8 29.4 19.7 105.9 100.9 153.5 82.3 Non-financial corporations 10.0 34.9 27.8 17.9 45.2 31.5 41.8 33.0 74.4 60.8 99.1 67.9 in foreign currency 291.5 40.7 –4.1 102.8 31.5 228.9 25.6 –0.4 199.8 68.2 142.2 –152.8 Banks 0.3 0.2 … 26.6 7.7 128.8 3.2 –3.6 0.9 –2.4 17.9 –10.1 Other financial corporations 147.5 40.0 5.3 72.8 –8.3 7.4 5.9 –14.5 10.4 28.4 11.8 18.0 General government 14.2 6.8 –29.1 –9.0 21.7 3.4 10.4 16.8 102.3 25.9 9.0 –11.3 Non-financial corporations 129.5 –6.3 19.7 12.4 10.4 89.4 6.1 0.9 86.2 16.2 103.5 –149.4 Certificates of deposit –0.2 –0.1 –0.1 –0.1 –0.1 –0.1 –0.1 –0.1 –0.1 … … –0.2 Debt securities of non-residents –125.5 –4.5 383.3 –110.3 –75.3 –178.3 –94.0 12.2 17.2 –46.4 –13.4 –41.1 in rubles –2.1 0.4 13.0 –0.4 1.2 –9.9 –2.2 –4.5 –2.7 –17.5 –1.0 –1.1 in foreign currency –123.5 –4.9 370.2 –109.9 –76.6 –168.4 –91.8 16.7 19.9 –28.9 –12.4 –40.0 LOANS 38.2 72.9 41.7 15.2 10.4 60.8 –8.7 50.1 –99.3 46.3 –9.9 –32.9 Loans issued to resident legal entities in rubles and foreign currency 24.2 54.9 40.9 7.8 8.3 43.6 –16.2 41.5 –121.9 43.0 –14.0 –34.1 Loans issued to non-residents 14.0 17.9 0.8 7.5 2.1 17.2 7.5 8.6 22.7 3.3 4.2 1.2 in rubles 11.0 10.4 2.8 10.4 2.8 6.1 8.6 9.5 23.8 3.8 4.3 1.4 Bank of Russia Statistical Bulletin in foreign currency 3.0 7.5 –2.0 –3.0 –0.8 11.1 –1.1 –0.9 –1.1 –0.5 –0.1 –0.2 Shares and other equity stakes 547.7 430.9 599.2 495.1 175.7 360.4 392.9 507.1 352.0 728.2 322.7 479.0 Listed shares of residents 15.1 25.3 0.3 16.1 0.9 –20.5 100.4 –129.2 –62.7 45.9 –11.7 24.1 in rubles 15.1 25.1 0.4 16.3 0.6 –20.4 100.3 –129.1 –62.0 45.6 –11.6 24.3 Banks 10.9 3.1 17.5 16.4 –6.3 18.7 1.5 14.4 –21.7 13.9 40.6 36.5 No. 3 (394) Other financial corporations 3.7 5.5 0.8 –19.2 3.5 –31.5 21.5 24.0 –2.3 0.6 22.4 2.9 Insurance companies 0.1 … 1.4 –0.6 0.5 –2.2 0.3 –0.1 6.8 –0.7 1.3 0.6 Non-financial corporations 0.3 16.5 –19.4 19.8 2.9 –5.4 77.0 –167.5 –44.7 31.8 –75.8 –15.8 in foreign currency … 0.2 –0.1 –0.3 0.3 –0.2 0.1 … –0.7 0.3 –0.1 –0.1 Other financial corporations … 0.2 –0.1 –0.3 0.3 –0.2 0.1 … –0.7 0.3 –0.1 –0.1 57 Table 1.18 (cont.) 58 (billions of rubles) Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Unlisted shares and other equity stakes in residents 49.7 13.7 77.3 –1,072.2 49.4 51.5 51.5 –94.0 209.7 152.9 33.7 103.6 Units and investment fund shares of residents 135.1 123.0 197.4 1,478.3 69.5 141.8 330.1 688.4 210.4 532.8 306.2 333.1 No. 3 (394) Bank of Russia Statistical Bulletin in rubles 137.1 129.6 201.3 1,471.9 62.0 138.2 328.7 673.5 213.0 534.3 308.4 335.9 in foreign currency –2.0 –6.6 –3.9 6.4 7.4 3.6 1.5 14.9 –2.6 –1.6 –2.2 –2.8 Listed shares of non-residents 47.8 64.2 214.0 –58.2 –14.2 144.8 –76.1 8.4 –20.6 –12.7 –24.4 –0.6 in rubles 0.0 0.0 0.0 0.0 0.0 0.0 –0.1 0.0 0.0 0.0 0.0 0.0 in foreign currency 47.8 64.2 214.0 –58.2 –14.2 144.8 –75.9 8.4 –20.6 –12.7 –24.4 –0.6 Unlisted shares and other equity stakes in non-residents 306.8 207.6 42.2 134.4 70.0 45.9 14.8 16.0 14.4 7.9 16.7 9.4 Units and investment fund shares of non-residents –6.8 –2.9 68.0 –3.3 0.1 –3.1 –28.0 17.4 1.0 1.5 2.4 9.3 in rubles –1.1 … 0.3 … … … –0.2 0.1 … … … … in foreign currency –5.7 –2.9 67.7 –3.3 0.1 –3.1 –27.7 17.4 1.0 1.5 2.4 9.4 Insurance and pension reserves and pension savings –18.7 16.6 20.9 52.8 51.3 126.3 450.5 215.5 –118.8 128.1 215.0 308.0 Insurance reserves –9.0 27.9 30.7 40.9 59.0 114.2 444.3 89.4 –128.5 85.1 131.1 125.9 Pension reserves and pension savings –9.7 –11.3 –9.9 11.9 –7.6 12.1 6.3 126.1 9.8 43.1 83.9 182.1 pension reserves under long-term savings agreements 0.0 0.0 0.0 0.0 2.4 8.7 25.5 65.0 138.2 42.6 104.5 125.4 Accounts receivable 101.0 65.1 127.2 –26.0 123.1 128.8 217.4 101.5 83.1 162.2 157.7 104.7 Funds in escrow accounts 35.2 339.9 856.3 314.7 18.1 919.0 196.3 –579.1 145.4 321.7 419.3 137.3 LIABILITIES 960.6 1,656.0 2,767.5 1,903.6 1,317.8 2,121.6 1,352.5 366.2 –185.4 248.8 921.1 1,228.2 Debt securities 1.2 0.6 –0.6 –0.4 0.2 –0.5 –0.4 –0.4 –0.9 –0.6 –1.2 1.3 1. Main Macroeconomic and Monetary Indicators Debt securities of residents 1.2 0.6 –0.6 –0.4 0.2 –0.5 –0.4 –0.4 –0.9 –0.6 –1.2 1.3 Debt securities of non-residents 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 in rubles 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 in foreign currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Loans and microloans 1,062.9 1,710.3 2,811.0 1,771.4 1,289.4 2,197.6 1,354.9 251.7 –226.7 207.0 739.5 997.2 Loans to credit institutions 937.9 1,807.7 2,774.9 1,796.5 1,178.6 2,343.3 1,377.4 72.2 –135.4 338.0 810.5 1,185.9 in rubles 941.3 1,814.0 2,782.5 1,801.1 1,180.5 2,343.0 1,381.2 72.0 –135.7 338.9 812.4 1,188.3 in foreign currency –3.4 –6.2 –7.6 –4.6 –1.9 0.3 –3.8 0.2 0.2 –0.9 –1.9 –2.4 Housing mortgage loans 590.4 1,039.2 1,679.2 1,513.4 476.3 1,178.2 481.8 293.0 73.2 371.4 610.4 1,183.6 in rubles 590.9 1,039.9 1,680.1 1,514.1 477.0 1,179.1 482.2 293.9 73.3 371.7 610.7 1,183.9 in foreign currency –0.5 –0.7 –0.8 –0.8 –0.7 –1.0 –0.4 –0.9 –0.1 –0.3 –0.2 –0.3 Table 1.18 (end) 1. Main Macroeconomic and Monetary Indicators (billions of rubles) Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Car loans 40.3 110.1 179.8 173.4 196.4 262.1 338.2 90.7 –31.3 60.1 220.5 163.6 in rubles 40.3 110.1 179.8 173.4 196.4 262.1 338.2 90.7 –31.3 60.1 220.5 163.6 in foreign currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Consumer loans 278.2 561.6 785.4 5.7 506.0 827.7 492.4 –369.3 –152.9 –103.9 –71.4 –212.2 in rubles 278.2 561.6 785.4 5.7 506.0 827.7 492.4 –369.3 –152.9 –103.9 –71.4 –212.2 in foreign currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Other loans 30.9 91.2 107.6 94.0 –30.4 46.7 39.9 25.7 –72.7 –26.7 5.1 24.7 in rubles 33.2 96.7 114.2 96.5 –28.7 45.6 41.6 26.3 –73.9 –27.0 6.1 24.7 in foreign currency –2.3 –5.5 –6.6 –2.5 –1.7 1.1 –1.7 –0.7 1.2 0.2 –1.0 0.0 Accrued interest claims3 –1.8 5.7 22.9 10.1 30.3 28.7 25.2 32.2 48.3 37.1 45.8 26.2 in rubles –1.2 5.6 23.1 11.5 29.8 28.6 26.9 30.4 49.2 37.9 46.4 28.3 in foreign currency –0.6 0.0 –0.2 –1.3 0.5 0.1 –1.8 1.8 –0.9 –0.8 –0.6 –2.2 Housing mortgage loans sold to mortgage agents, –60.2 –68.0 –44.9 –98.7 –67.4 –62.3 –72.0 –77.2 –37.8 –101.8 –83.8 –53.5 including repayment Consumer loans sold to special-purpose financial companies … … … … … … … –60.5 –118.1 –126.5 –119.8 –135.1 Microloans received from microfinance organizations 4 19.5 30.3 37.6 16.6 35.9 35.8 54.5 71.6 104.0 71.6 68.0 6.3 Microloans received from other legal entities 173.2 –56.4 44.8 28.2 144.3 –113.4 –2.1 247.0 –34.4 30.1 70.7 –1.0 Loans and microloans of non-residents –7.6 –3.4 –1.4 28.9 –2.0 –5.8 –3.0 –1.4 –5.0 –4.4 –6.0 –5.3 in rubles –0.3 2.3 3.0 34.1 0.2 –5.8 –0.4 1.8 0.1 0.1 0.7 –2.4 in foreign currency –7.3 –5.7 –4.4 –5.2 –2.2 0.1 –2.6 –3.2 –5.1 –4.5 –6.7 –2.9 Bank of Russia Statistical Bulletin Accounts payable –103.5 –54.9 –42.9 132.6 28.2 –75.5 –1.9 114.9 42.2 42.4 182.7 229.6 NET LENDING (+) / NET BORROWING (–) 541.3 2,556.7 1,202.9 3,599.2 545.9 3,113.6 1,998.1 5,882.8 1,419.0 4,067.5 2,139.5 5,316.1 1 Data from the surveys of credit institutions about current accounts of resident individuals (before 1 February 2024) and about bank accounts of individual entrepreneurs. 2 Deposits with non-resident banks may include funds used to purchase real estate abroad and to purchase goods in foreign online stores. No. 3 (394) 3 Interest on loans and microloans accrued but not paid. 4 Microcredit and microfinance companies. Notes. Data do not include revaluation. Data may be updated, due to changes in reporting data, the emergence of new sources of information, the replacement of estimated data with reporting data, and methodological changes. 59 60 Bank of Russia Statistical Bulletin No. 3 (394) 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy 2. THE BANK OF RUSSIA BALANCE SHEET. MONETARY POLICY INSTRUMENTS Table 2.1 The Bank of Russia Balance Sheet (millions of rubles) The Bank of Russia Annual Balance Sheet 2025 2024 ASSETS Foreign currency-denominated assets and precious metals 56,239,390 58,721,786 Credits and deposits 8,953,491 7,346,477 Securities 367,319 391,184 Claims on IMF 3,282,157 4,051,767 Other assets 351,235 437,476 Total assets 69,193,592 70,948,690 LIABILITIES Cash in circulation 19,450,292 18,511,834 Funds in accounts with the Bank of Russia 16,394,607 17,167,116 Liabilities to IMF 2,934,104 3,632,415 Other liabilities 205,949 216,102 Total liabilities 38,984,952 39,527,467 CAPITAL AND PROFIT Capital, total, of which: 30,208,640 31,221,678 authorized capital 3,000 3,000 provision and funds 32,210,808 33,063,939 loss of previous years (1,820,331) (1,845,261) losses in the reporting year (184,837) 0 Profit in the reporting year 0 199,545 Total liabilities, capital and profit 69,193,592 70,948,690 Table 2.1 (end) Instruments of the Bank of Russia Monetary Policy 2. The Bank of Russia Balance Sheet. (millions of rubles) The Bank of Russia Balance Sheet for 31.03.2025 for 30.04.2025 for 31.05.2025 for 30.06.2025 for 31.07.2025 for 31.08.2025 for 30.09.2025 for 31.10.2025 for 30.11.2025 for 31.01.2026 for 28.02.2026 ASSETS Foreign currency-denominated assets and precious metals 51,402,481 52,678,516 50,782,373 51,321,043 52,976,981 52,639,053 56,212,635 55,579,850 54,671,171 60,425,948 59,684,360 Credits and deposits 5,428,465 3,741,982 3,986,683 4,899,486 6,700,145 5,164,093 6,000,222 5,068,277 6,333,811 7,491,924 7,271,708 Securities 359,920 360,827 362,902 367,386 369,763 371,008 366,337 366,217 364,846 363,809 365,612 Claims on IMF 3,392,345 3,383,219 3,252,489 3,297,403 3,416,414 3,362,155 3,463,769 3,364,914 3,249,649 3,210,787 3,252,011 Other assets 6,816,617 5,666,610 7,158,728 6,525,572 5,299,975 5,661,024 4,821,094 6,006,310 6,911,571 960,205 586,154 Total assets 67,399,828 65,831,154 65,543,175 66,410,890 68,763,278 67,197,333 70,864,057 70,385,568 71,531,048 72,452,673 71,159,845 LIABILITIES Cash in circulation 17,437,291 17,676,101 17,575,607 17,790,261 17,987,066 18,232,565 18,394,547 18,541,453 18,614,027 18,949,683 19,179,243 Funds in accounts with the Bank of Russia 15,252,782 13,400,822 13,581,256 14,217,815 15,852,698 13,928,155 14,738,219 13,517,575 14,519,473 15,488,311 14,771,615 Liabilities to IMF 3,063,854 3,059,995 2,913,745 2,953,280 3,033,916 3,007,612 3,099,857 3,012,613 2,910,208 2,870,246 2,905,166 Other liabilities 374,363 422,698 201,029 177,996 618,060 757,463 3,359,896 4,042,389 4,215,802 4,928,119 4,094,516 Total liabilities 36,128,290 34,559,616 34,271,637 35,139,352 37,491,740 35,925,795 39,592,519 39,114,030 40,259,510 42,236,359 40,950,540 CAPITAL Capital 31,271,538 31,271,538 31,271,538 31,271,538 31,271,538 31,271,538 31,271,538 31,271,538 31,271,538 30,216,314 30,209,305 Total liabilities and capital 67,399,828 65,831,154 65,543,175 66,410,890 68,763,278 67,197,333 70,864,057 70,385,568 71,531,048 72,452,673 71,159,845 Bank of Russia Statistical Bulletin 61 No. 3 (394) 62 Bank of Russia Statistical Bulletin No. 3 (394) 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Table 2.2 The Bank of Russia Key Rate1 (% p.a.) Period Rate 14.06.2016 10.50 19.09.2016 10.00 27.03.2017 9.75 02.05.2017 9.25 19.06.2017 9.00 18.09.2017 8.50 30.10.2017 8.25 18.12.2017 7.75 12.02.2018 7.50 26.03.2018 7.25 17.09.2018 7.50 17.12.2018 7.75 17.06.2019 7.50 29.07.2019 7.25 09.09.2019 7.00 28.10.2019 6.50 16.12.2019 6.25 10.02.2020 6.00 27.04.2020 5.50 22.06.2020 4.50 27.07.2020 4.25 22.03.2021 4.50 26.04.2021 5.00 15.06.2021 5.50 26.07.2021 6.50 13.09.2021 6.75 25.10.2021 7.50 20.12.2021 8.50 14.02.2022 9.50 28.02.2022 20.00 11.04.2022 17.00 04.05.2022 14.00 27.05.2022 11.00 14.06.2022 9.50 25.07.2022 8.00 19.09.2022 7.50 24.07.2023 8.50 15.08.2023 12.00 18.09.2023 13.00 30.10.2023 15.00 18.12.2023 16.00 29.07.2024 18.00 16.09.2024 19.00 28.10.2024 21.00 09.06.2025 20.00 28.07.2025 18.00 15.09.2025 17.00 27.10.2025 16.50 22.12.2025 16.00 16.02.2026 15.50 23.03.2026 15.00 1 Starting from 1 January 2016, the key rate is applied to the relations regulated by normative legal acts of the Government of the Russian Federation instead of the Bank of Russia refinancing rate, unless otherwise indicated by federal law (Resolution of the Government of the Russian Federation No. 1340, dated 8 December 2015). Table 2.3 Instruments of the Bank of Russia Monetary Policy 2. The Bank of Russia Balance Sheet. Required Reserves Ratios (percent) Ratio for liabilities to non-resident legal entities Ratio for other liabilities Ratio for liabilities to individuals Effective period excluding longterm liabilities on other longterm liabilities excluding longterm liabilities on other longterm liabilities in rubles in foreign currency in rubles in foreign currency in rubles in foreign currency in rubles in foreign currency in rubles in foreign currency 01.01.2017 — 30.11.2017 5.00 7.00 5.00 7.00 5.00 6.00 5.00 7.00 5.00 7.00 To banks with universal licence, to nonbanking credit institutions 01.12.2017 — 31.07.2018 5.00 7.00 5.00 7.00 5.00 6.00 5.00 7.00 5.00 7.00 01.08.2018 — 31.03.2019 5.00 8.00 5.00 8.00 5.00 7.00 5.00 8.00 5.00 8.00 01.04.2019 — 30.06.2019 4.75 8.00 4.75 8.00 4.75 7.00 4.75 8.00 4.75 8.00 01.07.2019 — 02.03.2022 4.75 8.00 4.75 8.00 4.75 8.00 4.75 8.00 4.75 8.00 03.03.2022 — 31.03.2022 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 To banks with base licence 01.12.2017 — 31.07.2018 5.00 7.00 5.00 7.00 1.00 6.00 1.00 7.00 1.00 7.00 01.08.2018 — 31.03.2019 5.00 8.00 5.00 8.00 1.00 7.00 1.00 8.00 1.00 8.00 01.04.2019 — 30.06.2019 4.75 8.00 4.75 8.00 1.00 7.00 1.00 8.00 1.00 8.00 01.07.2019 — 02.03.2022 4.75 8.00 4.75 8.00 1.00 8.00 1.00 8.00 1.00 8.00 03.03.2022 — 31.03.2022 2.00 2.00 2.00 2.00 1.00 2.00 1.00 2.00 1.00 2.00 (percent) Ratio for liabilities to non-resident legal entities Ratio for liabilities to individuals Ratio for other liabilities Effective period in rubles in foreign currency in rubles in foreign currency in rubles in foreign currency To banks with universal licence 01.04.2022 — 30.04.2022 2.00 2.00 2.00 2.00 2.00 2.00 01.05.2022 — 31.07.2022 2.00 4.00 2.00 4.00 2.00 4.00 01.08.2022 — 28.02.2023 3.00 5.00 3.00 5.00 3.00 5.00 Bank of Russia Statistical Bulletin 01.03.2023 — 31.03.2023 4.00 7.00 4.00 7.00 4.00 7.00 To nonbanking credit institutions 01.04.2022 — 30.04.2022 2.00 2.00 2.00 2.00 2.00 2.00 01.05.2022 — 31.07.2022 2.00 2.00 2.00 2.00 2.00 2.00 01.08.2022 — 28.02.2023 3.00 5.00 3.00 5.00 3.00 5.00 01.03.2023 — 31.03.2023 4.00 7.00 4.00 7.00 4.00 7.00 To banks with base licence No. 3 (394) 01.04.2022 — 30.04.2022 1.00 2.00 1.00 2.00 1.00 2.00 01.05.2022 — 31.07.2022 1.00 4.00 1.00 4.00 1.00 4.00 01.08.2022 — 28.02.2023 1.00 5.00 1.00 5.00 1.00 5.00 01.03.2023 — 31.03.2023 1.00 7.00 1.00 7.00 1.00 7.00 63 Table 2.3 (end) 64 (percent) Ratio for liabilities to non-resident legal entities Ratio for liabilities to individuals Ratio for other liabilities Effective period in foreign currencies in foreign currencies in foreign currencies in unfriendly states’ in unfriendly states’ in unfriendly states’ in rubles (except in unfriendly in rubles (except in unfriendly in rubles (except in unfriendly currencies currencies currencies states’ currencies) states’ currencies) states’ currencies) No. 3 (394) Bank of Russia Statistical Bulletin To banks with universal licence 01.04.2023 — 31.05.2023 4.00 5.50 7.50 4.00 5.50 7.50 4.00 5.50 7.50 01.06.2023¹— 4.50 6.00 8.50 4.50 6.00 8.50 4.50 6.00 8.50 To nonbanking credit institutions 01.04.2023 — 31.05.2023 4.00 5.50 7.50 4.00 5.50 7.50 4.00 5.50 7.50 01.06.2023¹— 4.50 6.00 8.50 4.50 6.00 8.50 4.50 6.00 8.50 To banks with base licence 01.04.2023 — 31.05.2023 1.00 5.50 7.50 1.00 5.50 7.50 1.00 5.50 7.50 01.06.2023¹— 1.00 6.00 8.50 1.00 6.00 8.50 1.00 6.00 8.50 1 To be first applied to required reserve amounts for June 2023. Instruments of the Bank of Russia Monetary Policy 2. The Bank of Russia Balance Sheet. 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Bank of Russia Statistical Bulletin No. 3 (394) 65 Table 2.4 Required Reserve Averaging Ratios Set by the Bank of Russia Settlement non-bank credit Non-bank credit institutions Non-bank credit institutions Non-bank credit institutions and settlement authorised to transfer funds Effective date Banks 1 conducting deposit institutions centres of the organised without opening bank accounts and credit operations securities market and other related bank operations 01.08.2004 0.20 — 0.20 — 0.20 01.11.2004 0.20 — 1.00 — 0.20 01.10.2006 0.30 — 1.00 — 0.30 01.11.2007 0.40 — 1.00 — 0.40 01.03.2008 0.45 — 1.00 — 0.45 01.07.2008 0.50 — 1.00 — 0.50 01.09.2008 0.55 — 1.00 — 0.55 01.10.2008 0.60 — 1.00 — 0.60 01.01.2012 0.60 — 1.00 1.00 0.60 10.12.2013 0.70 — 1.00 1.00 0.70 10.09.2015 0.80 — 1.00 1.00 1.00 01.01.2016 0.80 1.00 — — — 03.03.2022 0.90 1.00 — — — 1 For banks with a universal licence and banks with a basic licence beginning on 1 December 2017. Table 2.5 66 Adjustment Ratios for Reservable Liabilities and Required Reserves Adjustment ratio (to credit institutions’ liabilities on debt securities issued) Effective period Amount No. 3 (394) Bank of Russia Statistical Bulletin 01.11.2009 — 31.12.2015 0.2 01.01.2016 — 31.03.2022 0.2 01.04.2022 — 0.2 Ratio for operations involving a credit institution — central counterparty Amount for liabilities in foreign currencies Effective period for liabilities for liabilities in Russian rubles in foreign currencies except liabilities for liabilities in unfriendly states’ currencies in unfriendly states’ currencies 01.04.2022 — 30.06.2022 0.1 0.1 — — (for calculating required reserves from April through June 2022) 01.07.2022 — 31.03.2023 0.2 0.2 — — (for calculating required reserves from July 2022) 01.04.2023 — 31.03.2024 0.2 — 0.2 0.05 (for calculating required reserves from April 2023) 01.04.2024 — 0.25 — 0.4 0.07 (for calculating required reserves from April 2024) Adjustment of required reserves for a credit institution’s vault cash Instruments of the Bank of Russia Monetary Policy Effective period Amount Actual average balances in Russian rubles in credit institutions’ vaults for a reporting period, 01.11.2009 — 31.12.2015 but no more than 25% of the amount of required reserves in Russian rubles Actual average balances in Russian rubles in credit institutions’ vaults for a reporting period, 01.01.2016 — 31.03.2022 2. The Bank of Russia Balance Sheet. but no more than 25% of the amount of required reserves in Russian rubles Actual balances in Russian rubles as of a reporting date in the vaults of credit institutions with a basic licence and actual average balances 01.04.2022 — in Russian rubles for a reporting period in the vaults of credit institutions with a universal licence and non-bank credit institutions, but no more than 25% of the amount of required reserves in Russian rubles 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Bank of Russia Statistical Bulletin No. 3 (394) 67 Table 2.6 Required Reserves (Averaged Amount) Held by Credit Institutions in Their Correspondent Accounts (Subaccounts) with the Bank of Russia The period of averaging Volume, billions of rubles 18.01.2023 — 14.02.2023 2,431.6 15.02.2023 — 14.03.2023 2,402.1 15.03.2023 — 11.04.2023 2,453.2 12.04.2023 — 16.05.2023 3,547.9 17.05.2023 — 13.06.2023 3,611.6 14.06.2023 — 11.07.2023 3,621.4 12.07.2023 — 08.08.2023 4,255.8 09.08.2023 — 12.09.2023 4,385.3 13.09.2023 — 10.10.2023 4,503.9 11.10.2023 — 14.11.2023 4,562.5 15.11.2023 — 12.12.2023 4,595.6 13.12.2023 — 16.01.2024 4,564.6 17.01.2024 — 13.02.2024 4,647.3 14.02.2024 — 12.03.2024 4,712.3 13.03.2024 — 09.04.2024 4,571.8 10.04.2024 — 07.05.2024 4,581.9 08.05.2024 — 04.06.2024 4,677.0 05.06.2024 — 09.07.2024 4,742.1 10.07.2024 — 13.08.2024 4,769.3 14.08.2024 — 10.09.2024 4,746.3 11.09.2024 — 08.10.2024 4,806.6 09.10.2024 — 12.11.2024 4,925.4 13.11.2024 — 10.12.2024 5,019.5 11.12.2024 — 14.01.2025 5,136.2 15.01.2025 — 11.02.2025 5,150.2 12.02.2025 — 11.03.2025 5,181.7 12.03.2025 — 08.04.2025 5,064.8 09.04.2025 — 06.05.2025 4,995.7 07.05.2025 — 03.06.2025 4,963.4 04.06.2025 — 08.07.2025 4,960.1 09.07.2025 — 12.08.2025 4,950.9 13.08.2025 — 09.09.2025 5,003.6 10.09.2025 — 07.10.2025 5,080.5 08.10.2025 — 11.11.2025 5,185.4 12.11.2025 — 09.12.2025 5,203.3 10.12.2025 — 13.01.2026 5,307.6 14.01.2026 — 10.02.2026 5,314.3 11.02.2026 — 10.03.2026 5,342.2 11.03.2026 — 14.04.2026 5,301.4 Table 2.7 68 Interest Rates on Monetary Policy Instruments 1 (% p.a.) Min Bid Rate on Repo auctions Interest rates on Lending standing facilities Interest rate Max Bid Rate Min Bid Rate Lombard loans4 and loans No. 3 (394) Bank of Russia Statistical Bulletin Start date on Deposit on Deposit on Loan auctions loans secured by main and Primary Supplementary loans, repos and secured by non-marketable standing facilities auctions for 1 month for 1 year (non‑marketable assets) non‑marketable assets fine‑tuning mechanism2 mechanism3 FX swaps for 1 day assets for terms for terms over 90 days from 2 to 90 days 1 2 3 4 5 6 7 8 9 10 11 12 25.10.2021 6.50 7.50 7.50 7.60 7.75 7.75 — — 8.50 9.25 9.25 20.12.2021 7.50 8.50 8.50 8.60 8.75 8.75 — — 9.50 10.25 10.25 14.02.2022 8.50 9.50 9.50 9.60 9.75 9.75 — — 10.50 11.25 11.25 28.02.2022 19.00 20.00 20.00 20.10 20.25 20.25 — — 21.00 21.00 21.75 11.04.2022 16.00 17.00 17.00 17.10 17.25 17.25 — — 18.00 18.00 18.75 04.05.2022 13.00 14.00 14.00 14.10 14.25 14.25 — — 15.00 15.00 15.75 27.05.2022 10.00 11.00 11.00 11.10 11.25 11.25 — — 12.00 12.00 12.75 14.06.2022 8.50 9.50 9.50 9.60 9.75 9.75 — — 10.50 10.50 11.25 25.07.2022 7.00 8.00 8.00 8.10 8.25 8.25 — — 9.00 9.00 9.75 19.09.2022 6.50 7.50 7.50 7.60 7.75 7.75 — — 8.50 8.50 9.25 24.07.2023 7.50 8.50 8.50 8.60 8.75 8.75 — — 9.50 9.50 10.25 15.08.2023 11.00 12.00 12.00 12.10 12.25 12.25 — — 13.00 13.00 13.75 18.09.2023 12.00 13.00 13.00 13.10 13.25 13.25 — — 14.00 14.00 14.75 16.10.2023 12.00 13.00 13.00 13.10 13.25 13.25 14.00 14.75 — — — 30.10.2023 14.00 15.00 15.00 15.10 15.25 15.25 16.00 16.75 — — — 18.12.2023 15.00 16.00 16.00 16.10 16.25 16.25 17.00 17.75 — — — Instruments of the Bank of Russia Monetary Policy 29.07.2024 17.00 18.00 18.00 18.10 18.25 18.25 19.00 19.75 — — — 16.09.2024 18.00 19.00 19.00 19.10 19.25 19.25 20.00 20.75 — — — 28.10.2024 20.00 21.00 21.00 21.10 21.25 21.25 22.00 22.75 — — — 09.06.2025 19.00 20.00 20.00 20.10 20.25 20.25 21.00 21.75 — — — 2. The Bank of Russia Balance Sheet. 28.07.2025 17.00 18.00 18.00 18.10 18.25 18.25 19.00 19.75 — — — 15.09.2025 16.00 17.00 17.00 17.10 17.25 17.25 18.00 18.75 — — — 27.10.2025 15.50 16.50 16.50 16.60 16.75 16.75 17.50 18.25 — — — 22.12.2025 15.00 16.00 16.00 16.10 16.25 16.25 17.00 17.75 — — — 16.02.2026 14.50 15.50 15.50 15.60 15.75 15.75 16.50 17.25 — — — 1 And interest rates on the Supplementary mechanism of liquidity provision. Set by the Board of Directors of the Bank of Russia. 2 Repos for 1 day, loans for terms from 1 to 30 days. And interest rate on FX swaps for 1 day. 3 Repos for terms from 1 to 180 days, loans secured by non-marketable assets for terms from 1 to 180 days. 4 From 25 March 2022. Note. Interest rates on auction-based longer-term repos and loans are floating; on one-year repos — from 14.05.2020, on one-month repos — from 09.01.2023. Interst rates on standing facilities for terms over 1 day are floating. 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Bank of Russia Statistical Bulletin No. 3 (394) 69 Table 2.8 Interest Rates on the Bank of Russia’s Special Facilities (% p.a.) Support of Non- Investment SME Support Support of SME Economy commodity Projects in Individual Leasing Military Large SME Support Support Amid Start date Exports in Individual Constituent Development Mortgage Investment Support4 (unsecured the COVID‑19 Support Constituent Territories Support8 Support9 Projects2 loans)6 Pandemic7 (EXIAR)1 Territories of the RF5 of the RF3 1 2 3 4 5 6 7 8 9 10 02.05.2022 6.50 9.00 17.25 9.50 — 9.50 — — — 04.05.2022 6.50 9.00 14.25 9.50 — 9.50 — — — 27.05.2022 6.50 9.00 11.25 9.50 — 9.50 — — — 14.06.2022 6.50 8.50 9.75 9.50 — 9.50 — — — 15.07.2022 6.50 8.50 9.75 8.00 — 9.50 — — — 25.07.2022 6.50 7.00 8.25 6.50 — 9.50 — — — 19.09.2022 6.50 6.50 7.75 6.00 — 9.50 — — — 01.01.2023 6.50 6.50 7.75 6.00 — — — — — 24.07.2023 6.50 7.50 8.75 7.00 — — — — — 15.08.2023 6.50 9.00 12.25 10.50 — — — — — 17.08.2023 6.50 9.00 12.25 10.50 — — — — — 18.09.2023 6.50 9.00 13.25 11.50 — — — — — 30.10.2023 6.50 9.00 15.25 13.50 — — — — — 18.12.2023 6.50 9.00 16.25 14.50 — — — — — 13.05.2024 14.50 9.00 16.25 14.50 — — — — — 29.07.2024 16.50 9.00 18.25 16.50 — — — — — 30.08.2024 16.50 9.00 18.25 16.50 14.00 — — — — 16.09.2024 17.50 9.00 19.25 17.50 15.00 — — — — 28.10.2024 19.50 9.00 21.25 19.50 17.00 — — — — 09.06.2025 18.50 9.00 20.25 18.50 16.00 — — — — 28.07.2025 16.50 9.00 18.25 16.50 14.00 — — — — 15.09.2025 15.50 9.00 17.25 15.50 13.00 — — — — 27.10.2025 15.00 9.00 16.75 15.00 12.50 — — — — 22.12.2025 14.50 9.00 16.25 14.50 12.00 — — — — 16.02.2026 14.00 9.00 15.75 14.00 11.50 — — — — 1 Bank of Russia loans secured by claims on loans backed by insurance contracts of Russian Agency for Export Credit and Investment Insurance JSC (EXIAR). 2 Bank of Russia loans secured by claims on loans provided to finance investment projects. Projects are selected in compliance with the rules established by Russian Federation Government Resolution No. 1016, dated 14 December 2010, ‘On Approving the Rules to Select Investment Projects and Principals for the Provision of the Russian Federation State Guarantees on Loans or Bonded Loans Attracted to Carry out Investment Projects’ or Russian Federation Government Resolution No. 1044, dated 11 October 2014, ‘On Approving the Programme to Support Investment Projects Implemented in the Russian Federation Based on Project Financing’. Bank of Russia loans provided before and on 20 May 2019 and backed by the pledge of bonds issued to finance investment projects. 3 Unsecured loans provided by the Bank of Russia to support investment project financing. 4 Bank of Russia loans secured by guarantees of Joint-stock company Russian Small and Medium Business Corporation (JSC RSMB Corporation); and Bank of Russia loans secured by OFZ (provided after 20 June 2023). Bank of Russia loans (provided before and on 22 August 2021) backed by claims on loans provided by JSC SME Bank to its partner banks and microfinance organizations under the SME Financial Support Programme for lending to SMEs and to its partner leasing companies for property leasing to SMEs. 5 Bank of Russia loans secured by guarantees of JSC RSMB Corporation were provided from 30 August 2024 through 31 August 2026. 6 Unsecured loans Bank of Russia to support lending to SMEs in 2022 were provided from 11 March through 30 December 2022. 7 Bank of Russia loans secured by guarantees of JSC RSMB Corporation (provided after 1 November 2021) were granted to support SMEs operating in Russian industries most affected by the COVID‑19 pandemic (provided from 1 November through 30 December 2021 and from 24 January through 1 May 2022). Bank of Russia unsecured loans to support SME lending were provided before and on 30 September 2020. Bank of Russia unsecured loans or loans secured by guarantees of JSC RSMB Corporation to support lending for urgent needs and for maintaining employment were provided before and on 30 November 2020. 8 Bank of Russia loans backed by claims on loans to leasing companies; the provision of these loans was discontinued on 1 July 2021. 9 Bank of Russia loans backed by mortgage certificates issued under the Military Mortgage Programme; the provision of these loans was discontinued on 1 July 2016. Table 2.9 70 Liquidity Provided by the Bank of Russia through Lending and Repo Operations (millions of rubles) Repo auctions Primary mechanism standing facilities Intraday loans No. 3 (394) Bank of Russia Statistical Bulletin Date repos PM Lombard loans1 loans secured by non-marketable assets PM2 fine-tuning 1 week longer-terms (in a day) overnight loans 1 day 1 day 2—30 days 31—90 days 1 day 2—30 days 31—90 days 1 2 3 4 5 6 7 8 9 10 11 12 13 2026 02.02 — 3,380,000.00 — 538,159.46 — 327,927.02 — — — 360,000.00 58,196.65 — 03.02 — 3,380,000.00 — 665,505.67 — 325,570.30 — — — 355,000.00 57,992.89 — 04.02 — 3,380,000.00 — 604,367.21 — 322,931.43 — — — 340,000.00 57,992.89 — 05.02 — 2,760,000.00 — 658,382.15 — 2,246.85 — — — 120,000.00 31,992.89 — 06.02 — 2,760,000.00 — 528,908.72 — 2,992.07 — — — — 36,992.89 — 08.02 — 2,760,000.00 — 1.98 — 2,992.07 — — — — 36,992.89 — 09.02 — 2,760,000.00 — 585,793.00 0.94 2,978.13 — — — — 36,992.89 — 10.02 — 2,760,000.00 — 793,540.81 — — — — — 80,000.00 36,992.89 — 11.02 1,450,000.00 2,760,000.00 — 1,000,736.37 — — 1.00 — — 411,850.00 36,992.89 — 12.02 — 3,230,000.00 — 848,956.73 — 24,348.92 — — — — 36,992.89 — 13.02 — 3,230,000.00 — 954,452.40 — 15,928.99 — — — — 36,992.89 — 16.02 — 3,230,000.00 — 988,831.91 — — — — — — 296,992.89 — 17.02 — 3,230,000.00 — 625,770.94 — — — — — 580,000.00 82,992.89 — Instruments of the Bank of Russia Monetary Policy 18.02 — 3,230,000.00 — 693,419.99 — — — — — 520,000.00 82,992.89 — 19.02 — 3,160,000.00 — 732,396.66 — — — — — 352,000.00 292,992.89 — 20.02 — 3,160,000.00 — 989,043.33 — — — — — 358,000.00 82,992.89 — 24.02 — 3,160,000.00 — 873,554.79 — — — — — 245,000.00 82,992.89 — 2. The Bank of Russia Balance Sheet. 25.02 — 3,160,000.00 — 757,881.23 — — — — — 606,000.00 82,992.89 — 26.02 — 3,190,000.00 — 754,111.09 — — — — — 325,000.00 377,992.89 — 27.02 — 3,190,000.00 — 1,277,604.02 — — — — — 145,000.00 379,492.89 — Table 2.9 (end) Instruments of the Bank of Russia Monetary Policy 2. The Bank of Russia Balance Sheet. (millions of rubles) Supplementary mechanism standing facilities and Special facilities Date repos SM loans secured by non-marketable assets SM3 Special facilities 1 day 2—90 days 91—180 days 1 day 2—90 days 91—180 days 181—365 days 366—549 days 1 14 15 16 17 18 19 20 21 22 2026 02.02 — — — — 75,000.00 12,600.00 — — 243,185.91 03.02 — — — — 25,000.00 12,600.00 — — 234,985.24 04.02 — — — — — 12,600.00 — — 236,155.72 05.02 — — — — — 32,600.00 — — 235,401.35 06.02 — — — — — 10,600.00 — — 235,390.91 08.02 — — — — 20,000.00 10,600.00 — — 234,680.33 09.02 — — — — 20,000.00 10,600.00 — — 234,680.33 10.02 — — — — — — — — 239,318.72 11.02 — — — — — — — — 241,524.09 12.02 — — — — — — — — 241,930.52 13.02 — — — — — — — — 240,998.22 16.02 — — — — — — — — 241,035.02 17.02 — — — — — — — — 240,237.50 18.02 — — — — 40,000.00 — — — 241,747.82 19.02 — — — — — — — — 240,845.83 20.02 — — — — — — — — 240,807.00 24.02 — — — — 55,000.00 — — — 231,753.62 Bank of Russia Statistical Bulletin 25.02 — — — — — — — — 237,121.36 26.02 — — — — 30,000.00 — — — 235,816.40 27.02 — — — — 45,000.00 — — — 232,589.84 1 From October 16, 2023 Lombard loans can be provided for terms from 1 to 30 days. The series also includes Lombard loans which were provided before this date. No. 3 (394) 2 Loans PM secured by non-marketable assets can be provided for terms from 1 to 30 days. The series also includes loans secured by non-marketable assets which were provided before 16 October 2023 at the key rate + 100 bps. 3 Loans SM secured by non-marketable assets can be provided for terms from 1 to 180 days. The series also includes loans secured by non-marketable assets which were provided before 16 October 2023 at the key rate + 175 bps. 71 72 Bank of Russia Statistical Bulletin No. 3 (394) 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Table 2.10 Liquidity Placed by Credit Institutions on Deposits and in Bank of Russia Bonds (billions of rubles, start of business) Deposits with the Bank of Russia Date overnight standing at auction Bank of Russia bonds deposit facilities fine-tuning operations 1 week 1 2 3 4 5 2026 02.02 3,458.64 — — — 03.02 3,407.54 — — — 04.02 3,452.62 — — — 05.02 3,541.69 — — — 06.02 3,437.65 — — — 09.02 3,639.50 — — — 10.02 3,797.41 — — — 11.02 3,923.05 — — — 12.02 3,607.86 — — — 13.02 3,604.70 — — — 16.02 3,610.87 — — — 17.02 3,512.55 — — — 18.02 3,530.07 — — — 19.02 3,581.88 — — — 20.02 3,549.01 — — — 24.02 3,537.43 — — — 25.02 3,558.70 — — — 26.02 3,538.24 — — — 27.02 3,531.82 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Bank of Russia Statistical Bulletin No. 3 (394) 73 Table 2.11 Results of Main Bank of Russia Auctions Settlement date / Maturity date / Weighted average rate Amount of extended funds Auction date Auction type date of the first leg date of the second leg (% p.a.) (billions of rubles) 1 2 3 4 5 6 03.02.2026 repo 04.02.2026 11.02.2026 16.03 2,760.00 10.02.2026 repo 11.02.2026 18.02.2026 16.02 3,230.00 17.02.2026 repo 18.02.2026 25.02.2026 15.52 3,160.00 24.02.2026 repo 25.02.2026 04.03.2026 15.53 3,190.00 74 Bank of Russia Statistical Bulletin No. 3 (394) 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Table 2.12 Results of Bank of Russia Fine-Tuning Auctions Maturity Weighted average rate Amount Auction date Auction type depositary (days) (% p.a.) (billions of rubles) 1 2 3 4 5 10.02.2026 repo 1 16.00 1,450.00 2. The Bank of Russia Balance Sheet. Instruments of the Bank of Russia Monetary Policy Bank of Russia Statistical Bulletin No. 3 (394) 75 Table 2.13 Results of Bank of Russia Long-Term Repo Auctions Weighted average rate Amount of extended funds Auction date Date of the first leg Date of the second leg (% p.a.) (billions of rubles) 1 2 3 4 5 03.02.2025 05.02.2025 26.02.2025 21.10 550.00 10.02.2025 12.02.2025 05.03.2025 21.10 200.00 17.02.2025 19.02.2025 12.03.2025 21.11 100.00 24.02.2025 26.02.2025 19.03.2025 21.31 250.00 03.03.2025 05.03.2025 26.03.2025 21.50 100.00 3. FINANCIAL MARKETS 76 3.1. Interbank Money Market Table 3.1.1 No. 3 (394) Bank of Russia Statistical Bulletin Monthly Average Actual Rates on Moscow Banks’ Credits in Rubles (MIACR, MIACR-IG, MIACR-B) (% p.a.) Monthly Average Actual Rates on Moscow Banks’ Credits Monthly Average Actual Rates on Moscow Banks’ Credits Monthly Average Actual Rates on Moscow Banks’ Credits (MIACR) (MIACR-IG) (MIACR-B) term of credit 2 to 8 to 31 to 91 to 181 days 2 to 8 to 31 to 91 to 181 days 2 to 8 to 31 to 91 to 181 days 1 day 1 day 1 day 7 days 30 days 90 days 180 days to 1 year 7 days 30 days 90 days 180 days to 1 year 7 days 30 days 90 days 180 days to 1 year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 2025 January 20.79 21.18 — — — — 20.76 21.00 — — — — 20.72 — — — — — February 20.81 21.49 — — — — 20.81 — — — — — 20.80 — — — — — March 21.33 21.55 22.65 — — — 21.37 — — — — — 21.25 — — — — — April 21.07 21.58 — — — — 21.09 21.28 — — — — 20.96 — — — — — May 20.76 21.18 — 21.30 — — 20.81 — — 21.45 — — 20.62 — — — — — June 20.03 20.60 — 21.04 — — 20.06 — — — — — 19.94 — — — — — July 19.27 20.24 18.49 19.20 — — 19.27 19.14 — 19.20 — — 19.19 — — — — — August 17.73 18.60 18.23 18.03 — — 17.74 17.82 — — — — 17.70 — — — — — September 17.19 17.66 16.99 17.16 — — 17.19 16.92 — — — — 17.15 — — — — — October 16.48 16.87 16.95 16.65 — — 16.48 16.08 — — — — 16.50 15.57 — — — — November 16.29 16.56 16.40 16.41 — — 16.30 16.36 — — — — 16.31 16.36 — — — — December 16.01 16.48 16.15 16.20 — — 16.02 — 16.00 — — — 16.03 — 16.01 — — — 2026 January 15.68 16.14 — — — — 15.68 15.58 — — — — 15.72 — — — — — February 15.30 15.92 15.65 — — — 15.30 15.39 — — — — 15.33 — — — — — March 14.95 15.28 15.12 — — — 14.95 14.89 — — — — 14.96 — — — — — 3. Financial Markets 3. Financial Markets Bank of Russia Statistical Bulletin No. 3 (394) 77 Table 3.1.2 Monthly Average Actual Rates on Moscow Banks’ Credits in US Dollars (MIACR USD) (% p.a.) Monthly Average Actual Rates on Moscow Banks’ Credits (MIACR USD) term of credit 1 day 2 to 7 days 8 to 30 days 31 to 90 days 91 to 180 days 181 days to 1 year 1 2 3 4 5 6 7 2025 January 2.94 — 3.54 — — — February 3.45 — 4.29 — — — March 3.67 4.07 — 4.03 — — April 3.08 4.26 — — — — May 3.26 — — — — — June 3.27 — — — — — July 3.61 — — — — — August 4.13 — — — — — September 4.00 — — — — — October 3.90 3.91 — — — — November 3.47 — — — — — December 3.15 — — — — — 2026 January 3.20 — 3.58 — — — February 3.16 — — — — — March 3.00 3.37 — — — — Table 3.1.3 78 Weighted Average Actual Rates on Moscow Banks’ Credits in Rubles (MIACR, MIACR-IG, MIACR-B) (% p.a.) Weighted Average Actual Rates on Moscow Banks’ Credits Weighted Average Actual Rates on Moscow Banks’ Credits Weighted Average Actual Rates on Moscow Banks’ Credits (MIACR) (MIACR-IG) (MIACR-B) No. 3 (394) Bank of Russia Statistical Bulletin Date term of credit 2 to 8 to 31 to 91 to 181 days 2 to 8 to 31 to 91 to 181 days 2 to 8 to 31 to 91 to 181 days 1 day 1 day 1 day 7 days 30 days 90 days 180 days to 1 year 7 days 30 days 90 days 180 days to 1 year 7 days 30 days 90 days 180 days to 1 year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 2026 02.03 15.25 — — — — — 15.26 — — — — — 15.23 — — — — — 03.03 15.27 16.00 — — — — 15.27 — — — — — 15.30 — — — — — 04.03 15.29 15.47 — — — — 15.29 — — — — — 15.33 — — — — — 05.03 15.36 15.19 — — — — 15.37 — — — — — 15.32 — — — — — 06.03 15.38 — — — — — 15.38 — — — — — 15.36 — — — — — 10.03 15.33 15.60 — — — — 15.33 — — — — — 15.37 — — — — — 11.03 15.00 — — — — — 14.97 — — — — — 15.11 — — — — — 12.03 14.94 15.25 — — — — 14.95 — — — — — 14.98 — — — — — 13.03 14.85 16.16 — — — — 14.84 14.99 — — — — 14.87 — — — — — 16.03 14.78 — — — — — 14.77 — — — — — 14.84 — — — — — 17.03 14.75 15.00 15.07 — — — 14.75 — — — — — 14.79 — — — — — 18.03 14.75 15.57 — — — — 14.74 14.76 — — — — 14.78 — — — — — 19.03 14.77 14.92 — — — — 14.76 — — — — — 14.78 — — — — — 20.03 14.77 — — — — — 14.76 — — — — — 14.80 — — — — — 23.03 14.66 14.85 15.16 — — — 14.65 — — — — — 14.71 — — — — — 24.03 14.84 15.04 — — — — 14.85 — — — — — 14.78 — — — — — 25.03 14.85 15.24 — — — — 14.85 14.93 — — — — 14.84 — — — — — 26.03 14.74 15.01 — — — — 14.73 — — — — — 14.87 — — — — — 27.03 14.75 — — — — — 14.75 — — — — — 14.69 — — — — — 30.03 14.78 14.88 — — — — 14.79 — — — — — 14.70 — — — — — 3. Financial Markets 31.03 14.83 14.99 — — — — 14.84 — — — — — 14.74 — — — — — 3. Financial Markets Bank of Russia Statistical Bulletin No. 3 (394) 79 Table 3.1.4 Weighted Average Actual Rates on Moscow Banks’ Credits in US Dollars (MIACR USD) (% p.a.) Weighted Average Actual Rates on Moscow Banks’ Credits (MIACR USD) Date term of credit 1 day 2 to 7 days 8 to 30 days 31 to 90 days 91 to 180 days 181 days to 1 year 1 2 3 4 5 6 7 2026 02.03 3.24 — — — — — 03.03 3.20 — — — — — 04.03 3.02 — — — — — 05.03 3.03 — — — — — 06.03 2.90 — — — — — 10.03 2.98 — — — — — 11.03 2.96 — — — — — 12.03 2.95 — — — — — 13.03 2.94 — — — — — 16.03 3.08 — — — — — 17.03 2.96 — — — — — 18.03 2.35 — — — — — 19.03 2.59 — — — — — 20.03 — 3.37 — — — — 23.03 3.24 — — — — — 24.03 3.26 — — — — — 25.03 3.18 — — — — — 26.03 3.13 — — — — — 27.03 3.08 — — — — — 30.03 2.93 — — — — — 31.03 3.02 — — — — — 80 Bank of Russia Statistical Bulletin No. 3 (394) 3. Financial Markets Table 3.1.5 Average Daily Turnover of Interbank Lending (Deposits) and REPO Operations (millions of rubles) Russian ruble (RUB) US dollar (USD) Euro (EUR) Others Period deposit deposit deposit deposit REPO REPO REPO REPO operations operations operations operations 1 2 3 4 5 6 7 8 9 2025 January 1,237,995 1,946,822 23,841 32,473 11,973 — 53,920 15,123 February 1,168,187 2,239,732 22,419 14,018 8,621 — 75,341 14,534 March 1,243,750 2,437,956 18,032 13,371 10,270 — 74,755 12,530 April 1,200,998 2,361,994 25,297 15,119 8,487 — 48,375 12,580 May 1,383,553 2,228,567 29,366 23,010 9,259 — 70,449 9,686 June 1,437,006 2,323,915 25,197 18,112 11,293 — 33,546 10,665 July 1,543,468 2,259,092 31,066 18,227 9,317 — 29,844 13,346 August 1,475,405 2,478,080 44,095 8,055 9,696 — 21,597 12,590 September 1,412,399 2,446,699 47,234 1,105 16,548 46 77,854 15,019 October 1,438,405 2,542,672 38,135 809 10,697 22 58,610 11,280 November 1,432,406 2,592,715 44,908 108 12,095 27 54,100 16,598 December 1,504,561 2,720,871 46,679 32,367 14,790 5,176 59,079 23,250 2026 January 1,697,607 2,752,460 36,141 1,158 14,711 2,355 23,402 37,794 February 1,750,402 2,979,727 37,858 653 13,118 27 8,299 87,156 3. Financial Markets Bank of Russia Statistical Bulletin No. 3 (394) 81 Table 3.1.6 Average Daily Interbank Lending (Deposits) Turnover and REPO Operations by Maturity (millions of rubles) February 2026 Russian ruble (RUB) US dollar (USD) Euro (EUR) Others Maturity deposit deposit deposit deposit REPO REPO REPO REPO operations operations operations operations 1 2 3 4 5 6 7 8 9 Overnight 1,443,877 2,717,021 19,909 — 6,784 — 1,649 84,220 1 week1 196,210 166,852 15,262 — 5,757 — 680 1,417 2 weeks 1 31,528 13,300 249 22 — 27 1,321 227 1 month2 27,653 46,507 465 81 256 — 3,419 706 2 months2 5,411 785 287 496 — — 291 59 3 months3 21,103 15,212 — 54 — — 475 29 6 months 3 — 1,131 — — — — — — Over 6 months 1,068 5,689 73 — — — — — Other standard (tom-next, spot-next) 23,553 13,230 1,612 — 321 — 462 499 and non-standard terms less than 6 months 1 Standard term +/– 2 calendar days. 2 Standard term +/– 5 calendar days. 3 Standard term +/– 10 calendar days. Note. The table includes interbank deposits and REPO operations among residents (excluding double counting and operations with the Bank of Russia) and with non-residents. 3.2. Exchange Rates and Reference Prices of Precious Metals 82 Table 3.2.1 Official Exchange Rate of US Dollar Against Ruble (rubles / US dollar) Days of the month No. 3 (394) Bank of Russia Statistical Bulletin 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 2025 January 101.6797 101.6797 101.6797 101.6797 101.6797 101.6797 101.6797 101.6797 101.6797 102.2911 101.9146 101.9146 101.9146 102.7081 103.4380 February 97.8107 97.8107 97.8107 99.9433 98.5336 98.0556 96.9104 97.2762 97.2762 97.2762 96.7821 95.8024 94.0485 91.0313 90.3099 March 88.2568 88.2568 88.2568 89.2497 89.2448 89.7878 89.5724 89.1362 89.1362 89.1362 88.3872 86.5669 86.6204 86.6190 85.5694 April 85.4963 84.8707 84.5522 84.3830 84.2774 84.2774 84.2774 86.1891 85.4641 86.0923 85.0159 84.0040 84.0040 84.0040 82.7671 May 81.4933 81.4933 81.4933 81.4933 81.4933 81.9137 80.9644 80.8612 80.8612 80.8612 80.8612 80.8612 80.8883 80.5500 80.2237 June 78.6171 78.6171 79.1285 78.8549 78.5025 79.1272 79.1703 79.1703 79.1703 79.1543 78.6003 79.0028 79.0028 79.0028 79.0028 July 78.5284 78.4181 78.6540 78.7831 78.8354 78.8354 78.8354 78.7185 78.1682 78.1727 77.9029 77.8855 77.8855 77.8855 78.3722 August 80.3163 80.3289 80.3289 80.3289 79.6736 80.0490 80.1914 79.3847 79.7796 79.7796 79.7796 79.6677 79.8714 79.6032 79.7653 September 80.3316 80.4261 80.5947 80.8488 81.2977 81.5556 81.5556 81.5556 82.3397 83.2425 84.9211 85.6647 84.3798 84.3798 84.3798 October 82.6084 81.4967 81.0085 81.8969 81.8969 81.8969 83.0000 81.9349 81.5478 81.4103 81.1898 81.1898 81.1898 80.8548 79.9589 November 80.9756 80.8861 80.8861 80.8861 80.8861 81.1885 81.3765 81.2257 81.2257 81.2257 81.0132 81.3562 81.2852 80.6010 81.1276 December 78.2284 77.7027 77.4631 77.9556 76.9708 76.0937 76.0937 76.0937 77.2733 76.8084 77.8998 79.3398 79.7296 79.7296 79.7296 2026 January 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.2267 78.7913 78.8527 78.5711 February 75.7327 75.7327 77.0223 76.9817 76.9102 76.5523 77.0540 77.0540 77.0540 77.6502 77.2091 77.4648 77.1880 77.1944 77.1944 March 77.2736 77.2736 77.1734 77.6093 77.8009 78.1900 79.1500 79.1500 79.1500 79.1500 78.7396 79.0680 79.0671 80.2254 80.2254 3. Financial Markets Table 3.2.1 (end) 3. Financial Markets (rubles / US dollar) Days of the month 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2025 January 102.8078 102.3762 102.4137 102.4137 102.4137 101.9579 99.9282 98.2804 99.0978 98.2636 98.2636 98.2636 97.1320 97.9658 98.0126 98.0062 February 90.3099 90.3099 91.4347 91.3398 90.4268 88.5103 88.1676 88.1676 88.1676 88.2065 86.6318 85.9279 87.6967 — — — March 85.5694 85.5694 84.3059 81.5018 82.8487 84.3955 84.6400 84.6400 84.6400 83.8737 84.1930 84.2065 83.8347 83.6813 83.6813 83.6813 April 82.3003 82.5892 82.0200 81.1371 81.1371 81.1371 80.7597 81.4620 82.3637 82.8559 82.6549 82.6549 82.6549 82.5467 81.5616 — May 80.3134 80.7689 80.7689 80.7689 80.4137 80.3075 79.7530 79.7357 79.7108 79.7108 79.7108 79.6588 79.6176 79.6037 78.4970 78.6171 June 79.0028 78.5067 78.7135 78.7174 78.4839 78.5016 78.5016 78.5016 78.2923 78.3892 78.1959 78.2117 78.4685 78.4685 78.4685 — July 77.9584 77.9585 78.1856 78.3129 78.3129 78.3129 78.3274 78.0882 78.4477 78.8623 79.5527 79.5527 79.5527 79.5782 82.2197 81.8347 August 80.0224 80.0224 80.0224 80.4256 80.3466 80.1045 80.2548 80.7498 80.7498 80.7498 80.6842 80.5268 80.4421 80.2918 80.3316 80.3316 September 83.0718 82.8359 82.9987 83.1725 83.5904 83.5904 83.5904 84.0186 83.3506 83.9914 83.6069 83.6118 83.6118 83.6118 82.8676 — October 78.8390 79.0839 80.9834 80.9834 80.9834 81.3582 81.3475 81.6549 81.2690 80.9713 80.9713 80.9713 78.9848 79.8174 79.4715 80.5037 November 81.1276 81.1276 81.1302 81.0547 80.9448 80.7321 79.0246 79.0246 79.0246 78.9202 78.9615 78.5941 78.2503 78.2284 78.2284 — December 79.4495 79.4302 80.3807 80.0301 80.7220 80.7220 80.7220 79.3146 78.5850 78.4368 77.8844 77.6923 77.6923 77.6923 77.4466 78.2267 2026 January 78.5280 77.8332 77.8332 77.8332 77.7586 77.8247 77.5159 76.0382 75.9246 75.9246 75.9246 76.0101 76.5519 76.2662 76.0251 75.7327 February 77.1944 76.6201 76.7389 76.1524 76.6405 76.7519 76.7519 76.7519 76.7519 76.6342 76.4678 77.1218 77.2736 — — — March 80.2254 81.0517 81.9103 83.1259 84.8379 83.9982 83.9982 83.9982 81.8763 80.9604 80.7192 82.1314 81.1443 81.1443 81.1443 81.2955 Bank of Russia Statistical Bulletin 83 No. 3 (394) Table 3.2.2 84 Official Exchange Rate of Euro Against Ruble (rubles/euro) Days of the month 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 No. 3 (394) Bank of Russia Statistical Bulletin 2025 January 106.1028 106.1028 106.1028 106.1028 106.1028 106.1028 106.1028 106.1028 106.1028 105.0893 105.0464 105.0464 105.0464 104.8556 106.2493 February 102.1301 102.1301 102.1301 102.4910 102.6852 102.9215 100.6751 101.2243 101.2243 101.2243 100.4991 99.1953 98.0119 94.9221 94.8876 March 91.5655 91.5655 91.5655 92.8530 93.9034 95.7035 96.5975 96.8609 96.8609 96.8609 95.4443 93.6639 93.9710 94.2559 93.6087 April 92.4276 91.9643 91.2044 93.1608 92.9855 92.9855 92.9855 94.7742 93.7755 95.0910 94.6036 96.2163 96.2163 96.2163 94.1635 May 92.8370 92.8370 92.8370 92.8370 92.8370 92.9082 91.9169 92.1439 92.1439 92.1439 92.1439 92.1439 90.1117 89.6956 90.3821 June 89.2512 89.2512 90.3770 89.9267 89.3108 90.6635 90.3954 90.3954 90.3954 90.3666 89.7918 90.0068 90.0068 90.0068 90.0068 July 92.2672 92.7440 92.6774 93.1277 93.0103 93.0103 93.0103 92.4138 91.9667 91.4175 91.4992 91.1201 91.1201 91.1201 91.7738 August 91.8751 91.7056 91.7056 91.7056 92.3252 92.5094 93.0072 92.6636 92.8800 92.8800 92.8800 92.9485 92.8583 93.3875 93.0588 September 94.0479 94.3841 93.8373 94.2539 94.7754 95.4792 95.4792 95.4792 96.5691 98.0336 99.8246 99.7367 99.3304 99.3304 99.3304 October 96.8644 95.6382 95.3411 96.0525 96.0525 96.0525 96.8345 95.6722 94.9351 94.7030 94.0491 94.0491 94.0491 93.9181 92.6816 November 93.3893 93.3848 93.3848 93.3848 93.3848 93.5131 93.7641 93.8365 93.8365 93.8365 93.9287 94.1954 94.1893 93.6953 95.0987 December 90.8190 90.3438 89.8514 90.5903 89.9011 88.7028 88.7028 88.7028 89.7054 89.4267 91.3806 92.9384 93.5626 93.5626 93.5626 2026 January 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 92.0938 91.9668 92.3973 92.1964 February 90.4680 90.4680 91.2470 90.7178 91.1138 90.2881 91.0451 91.0451 91.0451 92.0136 91.9429 92.4750 91.7113 91.5575 91.5575 March 91.2965 91.2965 90.7307 90.3098 90.7458 90.7926 91.8391 91.8391 91.8391 91.8391 91.8979 91.9378 91.3893 91.9847 91.9847 3. Financial Markets Table 3.2.2 (end) 3. Financial Markets (rubles/euro) Days of the month 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2025 January 106.0971 105.8072 104.8609 104.8609 104.8609 105.0457 103.2856 103.2419 103.6612 103.1870 103.1870 103.1870 102.7460 101.5957 102.4041 102.7782 February 94.8876 94.8876 95.8048 95.6693 94.0834 92.4831 92.0152 92.0152 92.0152 92.5162 90.9403 90.1826 92.0362 — — — March 93.6087 93.6087 90.8443 87.5697 90.8257 92.4633 91.4262 91.4262 91.4262 91.5252 92.3409 92.0029 90.5441 89.6553 89.6553 89.6553 April 93.6844 93.3356 93.2513 92.2232 92.2232 92.2232 93.6714 94.0400 94.5723 94.7129 94.3593 94.3593 94.3593 93.1801 93.1730 — May 90.1011 90.7062 90.7062 90.7062 90.5098 89.9679 91.2990 90.2004 90.5207 90.5207 90.5207 90.4644 90.9007 90.3365 88.9481 89.2512 June 90.0068 90.9438 90.7548 90.3093 89.8380 90.1356 90.1356 90.1356 89.8388 91.7370 91.0599 91.6601 92.2785 92.2785 92.2785 — July 91.1531 90.5635 90.9716 91.0821 91.0821 91.0821 91.5138 91.7782 91.7897 93.3362 93.3508 93.3508 93.3508 93.2060 94.9976 94.9514 August 93.7094 93.7094 93.7094 94.0884 93.5604 93.4791 93.5049 93.6274 93.6274 93.6274 94.4622 93.3684 93.3428 93.4891 94.0479 94.0479 September 97.4502 97.8903 98.2994 98.9773 98.8845 98.8845 98.8845 98.9638 99.0363 98.6015 98.1542 97.6823 97.6823 97.6823 97.1410 — October 91.7258 92.0834 94.5835 94.5835 94.5835 94.3845 94.6656 94.7543 94.3889 94.0820 94.0820 94.0820 92.0233 92.9395 92.2466 93.3894 November 95.0987 95.0987 94.4179 93.9295 93.7804 92.6047 90.5625 90.5625 90.5625 91.3672 90.9698 91.5047 90.7880 90.8190 90.8190 — December 93.2274 93.8054 94.1478 94.2524 94.5120 94.5120 94.5120 92.8621 92.8137 92.4742 91.8902 91.2066 91.2066 91.2066 91.4775 92.0938 2026 January 91.8123 90.5366 90.5366 90.5366 90.1611 91.1954 90.7211 88.7898 89.0589 89.0589 89.0589 90.2877 90.9329 91.2988 90.9751 90.4680 February 91.5575 91.0368 90.8658 90.2683 90.1669 90.2833 90.2833 90.2833 90.2833 90.5821 90.3211 91.0281 91.2965 — — — March 91.9847 92.6555 93.1557 94.6663 96.9155 97.2886 97.2886 97.2886 94.7264 93.9247 93.8097 95.0038 93.4247 93.4247 93.4247 93.4369 Bank of Russia Statistical Bulletin 85 No. 3 (394) 86 Bank of Russia Statistical Bulletin No. 3 (394) 3. Financial Markets Table 3.2.3 Official Exchange Rate: Rubles per US Dollar (as of end of month) (rubles / US dollar) Month January February March April May June July August September October November December 1992 — — — — — — 0.1612 0.2050 0.2540 0.3980 0.4470 0.4145 1993 0.5720 0.5930 0.6840 0.8230 0.9940 1.0600 0.9895 0.9850 1.2010 1.1860 1.2140 1.2470 1994 1.5420 1.6570 1.7530 1.8200 1.9010 1.9850 2.0520 2.1530 2.5960 3.0550 3.2320 3.5500 1995 4.0040 4.4070 4.8970 5.1000 4.9950 4.5380 4.4150 4.4350 4.5080 4.5040 4.5780 4.6400 1996 4.7320 4.8150 4.8540 4.9320 5.0140 5.1080 5.1910 5.3450 5.3960 5.4550 5.5110 5.5600 1997 5.6290 5.6760 5.7260 5.7620 5.7730 5.7820 5.7980 5.8300 5.8600 5.8870 5.9190 5.9600 1998 6.0260 6.0720 6.1060 6.1330 6.1640 6.1980 6.2380 7.9050 16.0645 16.0100 17.8800 20.6500 1999 22.6000 22.8600 24.1800 24.2300 24.4400 24.2200 24.1900 24.7500 25.0800 26.0500 26.4200 27.0000 2000 28.5500 28.6600 28.4600 28.4000 28.2500 28.0700 27.8000 27.7500 27.7500 27.8300 27.8500 28.1600 2001 28.3700 28.7200 28.7400 28.8300 29.0900 29.0700 29.2700 29.3700 29.3900 29.7000 29.9000 30.1400 2002 30.6850 30.9274 31.1192 31.1963 31.3071 31.4471 31.4401 31.5673 31.6358 31.7408 31.8424 31.7844 2003 31.8222 31.5762 31.3805 31.1000 30.7090 30.3483 30.2596 30.5036 30.6119 29.8584 29.7387 29.4545 2004 28.4937 28.5156 28.4853 28.8834 28.9850 29.0274 29.1019 29.2447 29.2171 28.7655 28.2367 27.7487 2005 28.0845 27.7738 27.8256 27.7726 28.0919 28.6721 28.6341 28.5450 28.4989 28.4244 28.7312 28.7825 2006 28.1207 28.1223 27.7626 27.2739 26.9840 27.0789 26.8718 26.7379 26.7799 26.7477 26.3147 26.3311 2007 26.5331 26.1599 26.0113 25.6851 25.9031 25.8162 25.5999 25.6494 24.9493 24.7238 24.3506 24.5462 2008 24.4764 24.1159 23.5156 23.6471 23.7384 23.4573 23.4456 24.5769 25.2464 26.5430 27.6060 29.3804 2009 35.4146 35.7205 34.0134 33.2491 30.9843 31.2904 31.7555 31.5687 30.0922 29.0488 29.8179 30.2442 2010 30.4312 29.9484 29.3638 29.2886 30.4956 31.1954 30.1869 30.6640 30.4030 30.7821 31.3061 30.4769 2011 29.6684 28.9405 28.4290 27.5022 28.0685 28.0758 27.6796 28.8569 31.8751 29.8977 31.3216 32.1961 2012 30.3647 28.9503 29.3282 29.3627 32.4509 32.8169 32.1881 32.2934 30.9169 31.5252 31.0565 30.3727 2013 30.0277 30.6202 31.0834 31.2559 31.5893 32.7090 32.8901 33.2474 32.3451 32.0613 33.1916 32.7292 2014 35.2448 36.0501 35.6871 35.6983 34.7352 33.6306 35.7271 36.9316 39.3866 43.3943 49.3220 56.2584 2015 68.9291 61.2718 58.4643 51.7029 52.9716 55.5240 58.9906 66.4779 66.2367 64.3742 66.2393 72.8827 2016 75.1723 75.0903 67.6076 64.3334 66.0825 64.2575 67.0512 64.9072 63.1581 62.9037 64.9449 60.6569 2017 60.1618 57.9371 56.3779 56.9838 56.5168 59.0855 59.5436 58.7306 58.0169 57.8716 58.3311 57.6002 2018 56.2914 55.6717 57.2649 61.9997 62.5937 62.7565 62.7805 68.0821 65.5906 65.7742 66.6342 69.4706 2019 66.0987 65.7570 64.7347 64.6917 65.0583 63.0756 63.3791 66.4897 64.4156 63.8734 64.0817 61.9057 2020 63.0359 66.9909 77.7325 73.6894 70.7520 69.9513 73.3633 74.6382 79.6845 79.3323 75.8599 73.8757 2021 76.2527 74.4373 75.7023 74.3823 73.5870 72.3723 73.1388 73.5744 72.7608 70.5200 74.9818 74.2926 2022 77.8174 83.5485 84.0851 71.0237 63.0975 51.1580 61.3101 60.3677 57.4130 61.5343 61.0742 70.3375 2023 69.5927 75.4323 77.0863 80.5093 80.6872 87.0341 90.9783 95.9283 97.4147 93.2435 88.8841 89.6883 2024 89.2887 91.8692 92.3660 91.7791 89.7869 85.7480 86.3300 91.1868 92.7126 97.0530 107.7409 101.6797 2025 98.0062 87.6967 83.6813 81.5616 78.6171 78.4685 81.8347 80.3316 82.8676 80.5037 78.2284 78.2267 2026 75.7327 77.2736 81.2955 3. Financial Markets Bank of Russia Statistical Bulletin No. 3 (394) 87 Table 3.2.4 Monthly Average Official Rates: Rubles per US Dollar (rubles / US dollar) Month January February March April May June July August September October November December 1992 — — — — — — 0.14 0.17 0.22 0.34 0.42 0.41 1993 0.46 0.57 0.66 0.76 0.89 1.08 1.03 0.99 1.06 1.19 1.19 1.24 1994 1.40 1.58 1.71 1.79 1.87 1.95 2.02 2.11 2.31 2.97 3.14 3.37 1995 3.79 4.22 4.71 5.01 5.08 4.77 4.53 4.41 4.47 4.50 4.54 4.62 1996 4.60 4.76 4.83 4.90 4.97 5.05 5.15 5.28 5.37 5.43 5.48 5.54 1997 5.60 5.65 5.70 5.75 5.77 5.78 5.79 5.81 5.85 5.87 5.90 5.94 1998 5.99 6.05 6.09 6.12 6.15 6.18 6.22 6.75 14.61 15.93 16.42 19.99 1999 22.05 22.91 23.47 24.75 24.42 24.28 24.31 24.69 25.48 25.71 26.31 26.80 2000 28.04 28.73 28.46 28.58 28.32 28.25 27.85 27.73 27.79 27.87 27.89 27.97 2001 28.36 28.59 28.68 28.85 29.02 29.11 29.22 29.35 29.43 29.53 29.80 30.09 2002 30.47 30.80 31.06 31.17 31.25 31.40 31.51 31.56 31.63 31.70 31.81 31.84 2003 31.82 31.70 31.45 31.21 30.92 30.48 30.36 30.35 30.60 30.16 29.81 29.44 2004 28.92 28.52 28.53 28.68 28.99 29.03 29.08 29.21 29.22 29.08 28.58 27.92 2005 27.94 27.97 27.62 27.82 27.92 28.50 28.69 28.48 28.36 28.55 28.76 28.81 2006 28.41 28.20 27.88 27.57 27.06 26.98 26.92 26.77 26.74 26.86 26.62 26.29 2007 26.47 26.34 26.11 25.84 25.82 25.93 25.56 25.63 25.34 24.89 24.47 24.57 2008 24.50 24.53 23.76 23.51 23.73 23.64 23.35 24.13 25.28 26.35 27.31 28.13 2009 31.47 35.76 34.67 33.56 32.06 31.03 31.52 31.63 30.81 29.47 28.98 29.94 2010 29.94 30.19 29.56 29.20 30.35 31.17 30.68 30.34 30.84 30.32 30.97 30.85 2011 30.08 29.29 28.43 28.10 27.87 27.98 27.90 28.77 30.49 31.35 30.86 31.45 2012 31.51 29.88 29.37 29.47 30.65 32.91 32.50 31.97 31.52 31.09 31.41 30.74 2013 30.26 30.16 30.80 31.33 31.24 32.28 32.74 33.02 32.63 32.06 32.64 32.89 2014 33.46 35.22 36.21 35.66 34.93 34.41 34.64 36.11 37.87 40.76 45.86 55.41 2015 61.70 64.63 60.23 52.87 50.58 54.50 57.07 65.15 66.77 63.07 65.03 69.66 2016 76.25 77.22 70.47 66.68 65.66 65.31 64.33 64.92 64.60 62.68 64.36 62.18 2017 59.96 58.39 58.10 56.43 57.17 57.82 59.67 59.65 57.69 57.73 58.92 58.59 2018 56.78 56.81 57.03 60.43 62.21 62.71 62.88 66.09 67.65 65.89 66.24 67.30 2019 67.33 65.86 65.14 64.62 64.82 64.22 63.20 65.53 64.98 64.35 63.87 62.94 2020 61.78 63.88 73.15 75.22 72.61 69.22 71.28 73.80 75.65 77.59 77.03 74.05 2021 74.22 74.38 74.41 76.09 74.04 72.51 73.92 73.59 72.89 71.49 72.59 73.72 2022 75.87 77.34 103.68 77.81 64.64 57.18 58.08 60.35 59.79 60.86 60.87 65.34 2023 69.23 73.00 76.08 80.88 78.94 83.15 90.42 95.26 96.65 97.01 90.57 90.76 2024 88.98 91.61 91.69 92.89 90.87 88.05 87.40 88.97 91.30 96.11 100.31 102.45 2025 100.85 92.82 86.07 83.30 80.46 78.72 78.73 80.16 82.96 81.00 80.34 78.42 2026 77.56 76.85 80.39 88 Bank of Russia Statistical Bulletin No. 3 (394) 3. Financial Markets Table 3.2.5 Reference Prices of Refined Precious Metals (rubles per gram) Date of quotes Gold Silver Platinum Palladium 1 2 3 4 5 2026 03.03 12,957.47 223.24 5,870.47 4,448.76 04.03 13,259.22 236.10 5,811.31 4,446.44 05.03 12,590.95 203.37 5,287.86 4,179.76 06.03 12,942.76 218.17 5,447.55 4,291.17 07.03 12,988.43 214.30 5,468.62 4,186.08 11.03 12,876.27 211.24 5,397.23 4,177.03 12.03 13,243.54 225.04 5,651.07 4,260.55 13.03 13,173.99 219.20 5,605.25 4,207.12 14.03 13,232.09 224.48 5,545.50 4,235.22 17.03 13,145.58 218.10 5,412.39 4,200.66 18.03 13,153.81 207.90 5,577.70 4,216.19 19.03 13,407.69 214.38 5,764.71 4,353.60 20.03 13,283.27 214.39 5,635.22 4,235.96 21.03 12,423.72 188.23 5,225.67 3,883.47 24.03 12,010.38 190.51 5,206.85 3,774.84 25.03 11,625.36 175.00 4,927.36 3,769.05 26.03 11,453.96 181.58 4,910.08 3,615.09 27.03 12,053.08 193.21 5,149.14 3,786.60 28.03 11,626.20 175.55 4,875.94 3,579.34 31.03 11,772.54 177.20 4,832.75 3,625.21 Table 3.3 3. Financial Markets Stock Exchange Trade by Types of Securities and Financial Derivatives (millions of rubles) Of which futures options Volume on futures on futures Period of trade — total agreements agreements (3+4+5+6+9) share bonds investment units total total (contracts), (contracts), on securities on share index on securities on share index (7+8) (10+11+12+13) an underlying an underlying asset of which asset of which are share index are securities 1 2 3 4 5 6 7 8 9 10 11 12 13 2021 Q1 92,984,173.7 25,952,969.4 54,955,570.0 329,280.4 10,800,645.3 1,278,774.0 9,521,871.2 945,708.6 932,706.0 13,002.6 … … Q2 102,708,345.4 29,185,881.0 62,639,796.5 320,611.7 9,691,241.4 1,215,966.5 8,475,274.9 870,814.8 855,486.4 15,328.4 … … Q3 109,403,124.6 29,868,400.4 67,882,715.1 315,615.7 10,297,042.3 1,630,658.1 8,666,384.3 1,039,351.1 1,019,941.8 19,409.2 … … Q4 121,901,373.5 35,293,454.8 69,424,477.6 408,938.1 15,197,206.5 2,956,310.2 12,240,896.3 1,577,296.5 1,550,419.8 26,876.7 … … 2022 Q1 125,032,074.0 28,958,529.1 82,494,985.4 519,653.0 12,361,956.9 2,471,697.0 9,890,259.8 696,949.6 685,227.9 11,721.8 … … Q2 89,864,405.9 12,650,941.4 74,063,248.4 541,704.9 2,484,207.3 855,473.1 1,628,734.2 124,304.0 117,618.6 6,685.4 … … Q3 83,826,236.5 11,521,418.3 69,365,359.1 317,860.2 2,465,615.3 627,442.2 1,838,173.1 155,983.6 147,174.2 8,809.3 … … Q4 98,979,114.1 8,714,812.0 87,467,844.0 590,988.5 2,059,965.2 619,739.8 1,440,225.4 145,504.4 135,712.1 9,792.3 … … 2023 Q1 80,328,971.6 9,645,913.0 68,019,807.1 531,858.1 1,980,688.7 777,388.0 1,203,300.7 150,704.8 138,217.8 10,954.0 1,533.0 … Q2 94,135,996.2 11,900,768.4 78,503,359.8 454,601.7 3,043,915.3 1,121,983.6 1,921,931.7 233,350.9 208,867.1 22,037.8 2,446.0 … Bank of Russia Statistical Bulletin Q3 130,923,737.5 17,459,284.7 108,493,496.3 844,792.7 3,878,104.4 1,145,873.2 2,732,231.2 248,059.4 214,763.7 29,691.9 3,603.9 … Q4 138,736,106.3 17,300,472.1 116,560,222.9 1,484,141.6 3,184,120.3 1,205,768.7 1,978,351.5 207,149.4 184,387.3 16,419.8 6,342.4 0.2 2024 Q1 125,644,496.0 18,860,404.2 103,044,694.5 1,205,763.3 2,346,939.9 985,711.9 1,361,228.0 186,694.1 159,184.9 17,816.6 9,633.9 58.7 Q2 127,496,312.9 22,280,096.1 100,652,077.3 1,217,038.7 3,115,106.2 1,124,452.5 1,990,653.7 231,994.7 207,179.8 14,286.7 10,366.1 162.1 No. 3 (394) Q3 136,174,398.6 23,352,381.7 105,666,444.5 1,987,367.4 4,855,993.1 1,480,931.6 3,375,061.5 312,211.9 280,993.5 19,540.6 10,290.6 1,387.2 Q4 149,408,712.4 23,322,735.7 116,218,235.1 2,961,812.2 6,594,675.7 1,567,236.5 5,027,439.1 311,253.8 278,197.9 18,694.7 12,712.2 1,649.0 2025 Q1 151,562,012.4 27,557,846.6 111,901,353.6 2,981,733.6 8,714,845.3 1,693,702.4 7,021,142.9 406,233.3 379,199.7 10,672.6 14,652.0 1,709.1 Q2 159,756,499.8 26,572,718.7 122,099,160.5 2,850,828.2 7,914,128.6 1,571,894.9 6,342,233.7 319,663.7 294,927.9 9,167.2 15,498.4 70.2 Q3 203,316,004.7 29,689,434.6 161,981,869.6 3,400,540.7 7,928,164.7 1,475,520.1 6,452,644.6 315,995.1 278,139.4 12,035.9 25,586.8 233.1 89 Q4 229,857,203.6 27,666,969.4 187,242,556.2 5,029,409.3 9,592,421.1 1,567,866.4 8,024,554.7 325,847.6 284,293.0 12,401.6 25,126.9 4,026.1 90 Bank of Russia Statistical Bulletin No. 3 (394) 3. Financial Markets Table 3.4 Main Stock Market Indicators MICEX index, RTS index, Moscow Exchange trade turnover, Date points points billions of rubles1 1 2 3 4 2026 01.02 — — 12.64 02.02 2,768.56 1,132.34 115.00 03.02 2,786.15 1,140.14 102.28 04.02 2,776.31 1,137.17 133.73 05.02 2,737.13 1,126.36 108.15 06.02 2,735.43 1,118.33 79.67 07.02 — — 9.69 08.02 — — 9.66 09.02 2,725.64 1,105.77 74.25 10.02 2,717.04 1,108.58 75.88 11.02 2,757.75 1,121.48 106.69 12.02 2,765.66 1,128.73 77.71 13.02 2,776.34 1,132.99 112.79 16.02 2,782.60 1,144.06 100.14 17.02 2,765.33 1,135.20 88.29 18.02 2,779.08 1,149.63 94.81 19.02 2,772.84 1,139.74 78.84 20.02 2,780.60 1,141.28 75.35 21.02 — — 7.08 22.02 — — 7.86 23.02 — — 5.51 24.02 2,777.35 1,141.69 80.79 25.02 2,795.39 1,151.61 77.70 26.02 2,785.58 1,137.83 61.80 27.02 2,799.14 1,141.13 63.54 28.02 — — 43.84 1 Excluding transactions in the trading mode ‘Performance of obligations under futures contracts’. 4. FINANCIAL INSTITUTIONS’ PERFORMANCE 4. Financial Institutions’ Performance 4.1. General Description Table 4.1.1 Quantitative Characteristics of Operating Credit Institutions 2025 2026 28.02 31.03 30.04 31.05 30.06 31.07 31.08 30.09 31.10 30.11 31.12 31.01 28.02 Credit institutions authorised to carry out banking operations (operating) — total 351 351 352 352 352 352 353 352 352 352 352 353 355 of which: — banks, of which 311 311 309 309 308 308 308 306 306 307 306 305 305 — with a universal licence 216 216 215 215 214 214 214 212 211 212 212 213 213 — with a basic licence 95 95 94 94 94 94 94 94 95 95 94 92 92 — nonbanking credit institutions 40 40 43 43 44 44 45 46 46 45 46 48 50 Credit institutions licensed to perform the following: — to attract funds of individuals 288 288 286 286 285 285 285 284 283 283 283 282 282 — to conduct operations in foreign currency 349 349 350 350 350 350 351 350 350 350 350 351 355 — to conduct operations with precious metals 180 180 181 180 179 179 181 182 182 183 184 185 186 Credit institutions included in the register of banks participating 291 291 289 289 288 288 288 287 286 286 286 285 285 in the compulsory deposit insurance system — total Registered authorized capital of operating credit institutions (billions of rubles) 3,272 3,347 3,350 3,350 3,299 3,299 3,300 3,273 3,295 3,358 3,374 3,374 3,417 Branches of operating credit institutions in Russia — total 376 375 376 375 374 373 373 369 369 369 369 369 374 Bank of Russia Statistical Bulletin of which Sberbank branches 86 86 86 86 86 86 86 86 86 86 86 86 86 Foreign bank branches — total — — — — 0 0 0 0 0 0 0 0 0 Representative offices of operating Russian credit institutions — total 121 90 58 57 57 56 56 56 56 56 55 55 55 of which: — in Russia 103 72 39 39 39 38 38 38 38 38 37 37 37 No. 3 (394) — in foreign countries 18 18 19 18 18 18 18 18 18 18 18 18 18 Representative offices of foreign credit institutions — total — — — — 18 17 17 17 17 17 17 17 16 91 Table 4.1.1 (end) 92 2025 2026 28.02 31.03 30.04 31.05 30.06 31.07 31.08 30.09 31.10 30.11 31.12 31.01 28.02 Internal structural units of credit institutions (branches) — total 24,106 24,231 24,223 24,128 23,804 23,676 23,552 23,377 23,094 22,907 22,733 22,558 22,405 No. 3 (394) Bank of Russia Statistical Bulletin of which: — additional offices 23,742 23,865 23,857 23,762 23,443 23,313 23,188 23,010 22,723 22,530 22,355 22,172 22,013 of which Sberbank 11,095 11,039 10,987 10,907 10,839 10,745 10,653 10,555 10,451 10,345 10,267 10,194 10,120 — mobile offices 364 366 366 366 361 363 364 367 371 377 378 386 392 of which Sberbank 354 356 356 356 356 358 359 362 366 372 373 381 387 Credit institutions under liquidation — total 310 306 305 305 303 302 300 298 300 300 297 294 292 including, under the procedure of: — voluntarily liquidation following the decision of the stockholders 4 3 3 3 3 1 1 1 2 2 2 2 2 (equity holders) — compulsory liquidation 17 16 16 16 15 15 14 14 14 14 13 13 14 — b ankruptcy 289 287 286 286 285 286 285 283 284 284 282 279 276 4. Financial Institutions’ Performance 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 93 Table 4.1.2 Data on Provisional Administrations Assigned to Credit Institutions Whose Banking Licences Have Been Revoked 31.12.2025 Date of Bank of Russia No. Date of Bank of Russia Registration number order on assignment Name of credit institution order on revocation of credit institution of provisional of licence administration 1 2 3 4 5 1 “Industrial Savings Bank” 3175 12.12.2025 12.12.2025 94 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.1.3 Number of Credit Institutions with Nonresidents Equity (units) With a banking licence issued by the Bank of Russia1 Credit institutions universal basic with nonresidents equity, for non-bank total providing the right providing the right total to accept funds total to accept funds credit institutions of individuals of individuals 2024 31.12 87 75 66 7 7 5 2025 30.09 86 72 64 8 8 6 31.12 85 72 64 8 8 5 1 Data are grouped by type of licence issued in compliance with Federal Law No. 92-FZ, dated 1 May 2017, ‘On Amending Certain Laws of the Russian Federation’. Table 4.1.4 4. Financial Institutions’ Performance Credit Institutions Grouped by the Share of Nonresidents Equity Nonresidents equity up to including 1% more then 1% up to including 20% more then 20% up to including 50% more then 50%, but less then 100% 100% total share in total number share in total number share in total number share in total number share in total number of credit institutions of credit institutions of credit institutions of credit institutions of credit institutions units units units units units units with nonresidents’ stake with nonresidents’ stake with nonresidents’ stake with nonresidents’ stake with nonresidents’ stake in authorized capital, % in authorized capital, % in authorized capital, % in authorized capital, % in authorized capital, % 1 2 3 4 5 6 7 8 9 10 11 12 2024 31.12 20 23.0 12 13.8 8 9.2 11 12.6 36 41.4 87 2025 30.09 19 22.1 11 12.8 8 9.3 8 9.3 40 46.5 86 31.12 19 22.4 12 14.1 7 8.2 8 9.4 39 45.9 85 Bank of Russia Statistical Bulletin 95 No. 3 (394) 96 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.1.5 Number of Non-credit Financial Institutions, Self-Regulatory Organizations, Other Financial Market Participants and Persons Providing Professional Services in the Financial Market (units) 2025 2026 31.07 31.08 30.09 31.10 30.11 31.12 31.01 28.02 Insurance agents 206 204 204 202 204 204 199 199 of which: Insurance companies 129 128 128 128 129 129 129 129 of which national reinsurance company 1 1 1 1 1 1 1 1 mutual insurance companies 19 18 18 16 16 15 11 11 insurance brokers 58 58 58 58 59 60 59 59 foreign insurance companies 0 0 0 0 0 0 0 0 Associations of insurance agents 18 18 18 18 18 18 18 18 Professional securities market participants 500 498 495 500 501 497 499 494 of which: brokers 250 251 251 252 251 251 252 251 of which: customer’s brokers 4 3 3 3 3 3 3 3 commodities brokers 1 1 1 1 1 1 1 1 forex dealers 4 4 4 4 4 4 4 4 dealers 272 271 271 272 271 270 270 269 trustees 175 175 172 172 172 170 170 169 depositories 257 259 259 261 262 260 261 262 registrars 36 36 36 37 37 36 36 36 investment advisers 157 155 154 155 156 156 158 153 Infrastructures 145 147 149 152 153 155 156 153 of which: clearing houses 9 9 9 9 9 10 10 10 trade organisers 7 7 7 7 7 7 8 8 of which: exchanges 7 7 7 7 7 7 7 7 trading systems 0 0 0 0 0 0 1 1 commodity delivery operators 6 6 6 6 6 6 6 6 repositories 2 2 2 2 2 2 2 2 central depository 1 1 1 1 1 1 1 1 central counterparties 5 5 5 5 5 6 6 6 information agencies 5 5 5 5 5 5 5 5 investment platform operators 101 100 101 104 105 105 105 102 financial platform operators 11 12 12 12 12 13 13 13 operators of information systems issuing digital financial assets 15 17 18 18 18 19 19 19 digital financial asset exchange operators 2 2 2 2 2 2 2 2 National Payment System Entities 708 708 680 643 627 605 596 584 of which: payment system operators 28 29 29 29 29 29 29 29 nationally important payment system operators1 2 2 2 2 2 2 2 2 operators of foreign payment systems 0 0 0 0 0 0 0 0 payment acceptance operators 678 677 649 612 596 573 565 553 Collective investment market entities 409 408 406 407 408 412 414 418 of which: non-governmental pension funds 38 37 32 32 32 32 32 32 joint-stock investment funds 2 2 2 2 2 2 2 2 management companies of investment funds, unit investment funds 338 338 341 342 343 347 349 353 and non-governmental pension funds specialised depositories of investment funds, unit investment funds 31 31 31 31 31 31 31 31 and non-governmental pension funds 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 97 Table 4.1.5 (end) (units) 2025 2026 31.07 31.08 30.09 31.10 30.11 31.12 31.01 28.02 Microfinance agents and cooperatives 3,976 3,706 3,671 3,637 3,612 3,575 3,545 3,498 of which: microfinance organizations 862 854 854 854 853 842 836 839 of which: microfinance companies 40 40 39 39 39 39 36 33 microcredit companies 822 814 815 815 814 803 800 806 housing savings cooperatives 42 39 39 38 35 35 35 35 consumer credit cooperatives 803 568 552 530 518 507 504 448 agricultural consumer credit cooperatives 433 419 416 411 406 397 391 388 pawnshops 1,836 1,826 1,810 1,804 1,800 1,794 1,779 1,788 Self-regulatory organizations 14 14 14 16 16 15 15 15 of which: financial market self-regulatory organizations 12 12 12 14 14 13 13 13 of which: brokers 1 1 1 1 1 1 1 1 dealers 1 1 1 1 1 1 1 1 managers 1 1 1 1 1 1 1 1 depositories 1 1 1 1 1 1 1 1 registrars 1 1 1 1 1 1 1 1 joint-stock investment funds and management companies of investment funds, 1 1 1 1 1 1 1 1 unit investment funds and non-governmental pension funds specialised depositories 1 1 1 1 1 1 1 1 non-governmental pension funds 1 1 1 1 1 1 1 1 insurance companies and foreign insurance companies 1 1 1 1 1 1 1 1 insurance brokers 1 1 1 1 1 1 1 1 mutual insurance companies 0 0 0 0 0 0 0 0 microfinance organizations 2 2 2 2 2 2 2 2 consumer credit cooperatives 2 2 2 2 2 2 2 2 housing savings cooperatives 0 0 0 0 0 0 0 0 agricultural consumer credit cooperatives 2 2 2 2 2 1 1 1 forex dealers 1 1 1 1 1 1 1 1 investment advisers 2 2 2 2 2 2 2 2 payment acceptance operator 0 0 0 2 2 2 2 2 self-regulatory organizations of actuaries 2 2 2 2 2 2 2 2 Persons providing professional services in the financial market2 138 140 140 136 137 137 139 139 of which: audit organizations providing auditing services to socially important organizations 41 41 41 41 42 41 41 41 in the financial market credit history bureaus 5 5 6 6 6 6 6 6 of which qualified credit history bureau 4 4 4 4 4 4 4 4 responsible actuaries3 88 90 89 85 85 85 87 87 credit rating agencies 4 4 4 4 4 4 4 4 branches and representative offices of foreign credit rating agencies 0 0 0 0 0 0 0 0 administrators of indices4 — — — 0 0 1 1 1 Management companies of special-purpose vehicles 160 161 165 168 172 182 182 185 Participants in the partnership financing experiment5 32 33 33 34 33 34 35 37 1 The Bank of Russia and National Payment Card System Joint Stock Company (NSPK JSC) are operators of the Bank of Russia payment system and the Mir payment system respectively based on Federal Law No. 161-FZ, dated 27 June 2011, ‘On the National Payment System’. The procedure for registering these operators and entering them into the register of payment system operators has not been specified. 2 In accordance with Article 76.9‑5 of Federal Law No. 86-FZ, dated 10 July 2002, ‘On the Central Bank of the Russian Federation (Bank of Russia)’. 3 Information to be provided on persons engaged in actuarial activity whose data is recorded by the Bank of Russia in the unified register of authorised actuaries. 4 In accordance with Federal Law No. 452‑FZ, dated 13 December 2024, ‘On Administrators of Financial and Commodity Indices’. 5 In accordance with Federal Law No. 417‑FZ, dated 4 August 2023, ‘On Conducting an Experiment for Establishing a Special Regulation in Order to Create Necessary Conditions for Providing Partnership Financing in Individual Constituent Territories of the Russian Federation and on Amending Certain Laws of the Russian Federation’. 98 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.1.6 Data on Provisional Administrations Assigned to Non-Bank Financial Institutions Whose Licences Have Been Revoked (Cancelled) 31.12.2025 No. Date of Bank of Russia order Date of Bank of Russia order Name of institution on revocation (cancellation) on assignment/change of licence of provisional administration 1 2 3 4 1 NKO POVS “SODRUZHESTVO” 23.10.2025 23.10.2025 2 NKO POVS “MIR” 25.12.2025 25.12.2025 Table 4.1.7 4. Financial Institutions’ Performance Selected Performance Indicators of Credit Institutions (Credit Institutions Ranked by Size of Assets) Breakdown of credit institutions by value of assets (descending) as 31.01.2026 1—5 6—10 11—20 21—50 51—100 101—353 total Assets Net assets (net of loss provisions and profit tax), millions of rubles 140,216,224 29,344,871 18,587,692 12,318,010 4,812,512 2,672,404 207,951,713 Corporate loans1 (to non-financial and financial (other than credit) institutions), millions of rubles 66,453,991 14,949,626 6,451,688 2,324,622 1,004,596 589,771 91,774,294 Loans to individuals , millions of rubles 1 28,202,943 4,627,952 1,948,229 2,595,184 572,007 252,648 38,198,964 Capital and financial performance Equity capital, millions of rubles 12,978,405 2,702,454 1,874,313 1,868,798 818,210 935,135 21,177,314 Capital adequacy N1.0, % 12.3 11.9 13.8 20.7 26.6 34.0 13.4 Provisions for possible losses, including adjustment, millions of rubles 6,655,649 2,229,777 906,988 759,847 276,407 199,438 11,028,106 Provisions for possible losses, excluding adjustment, millions of rubles 7,272,590 2,230,452 904,526 848,161 331,533 250,380 11,837,643 Current year net profit (after tax), millions of rubles 248,960 51,277 27,587 29,939 21,765 14,189 393,717 Return on assets, % 2.0 1.1 1.2 2.7 4.3 4.8 1.9 Return on balance sheet capital, % 22.6 13.9 11.7 18.8 24.5 18.2 20.0 Liabilities Individuals’ funds (deposits)2, millions of rubles 48,471,675 8,477,419 2,827,821 3,221,446 1,134,044 661,968 64,794,373 Corporate clients’ funds (deposits and funds in accounts of non-financial and financial (other than credit) 39,597,559 10,888,432 7,812,459 4,480,260 1,868,192 887,549 65,534,449 institutions), millions of rubles Loans received from the Bank of Russia, millions of rubles 4,264,672 273,042 94,708 180,991 12,707 479 4,826,599 Bank of Russia Statistical Bulletin 1 Beginning on 1 February 2021, the calculation of issued loans takes into account acquired claims. 2 Starting from 1 January 2021, the item ‘Funds (Deposits) of individuals’ is calculated without individuals’ escrow accounts under equity construction agreements. Note. Data are given exclusive of the bank of non-core assets. 99 No. 3 (394) 100 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.1.8 Financial Performance of Credit Institutions Profit made Share of profit-making Loss of loss-making Share of loss-making Total profit1 “+” / loss “–”, by profit-making credit institutions, credit institutions, credit institutions, millions of rubles credit institutions, % millions of rubles % millions of rubles 1 2 3 4 5 6 2019 1,658,299 1,812,820 83.0 154,521 17.0 2020 1,571,930 1,605,237 79.0 33,307 21.0 2021 2,310,756 2,352,006 83.4 41,250 16.6 2022 199,038 1,237,618 82.5 1,038,580 17.5 2023 3,282,337 3,342,819 88.9 60,482 11.1 2024 January 352,805 358,811 87.6 6,006 12.4 February 628,345 637,100 84.6 8,756 15.4 March 898,422 909,739 86.6 11,316 13.4 April 1,198,189 1,215,455 86.3 17,266 13.7 May 1,469,777 1,500,570 86.0 30,793 14.0 June 1,813,249 1,869,926 85.6 56,678 14.4 July 2,167,458 2,232,627 86.2 65,169 13.8 August 2,618,872 2,682,001 86.7 63,130 13.3 September 2,974,857 3,036,306 88.0 61,449 12.0 October 3,333,398 3,397,670 87.4 64,272 12.6 November 3,851,610 3,884,770 88.2 33,159 11.8 December 3,991,914 4,087,276 89.7 95,363 10.3 2025 January 285,709 322,569 82.8 36,860 17.2 February 499,310 577,674 82.6 78,364 17.4 March 743,857 844,672 85.0 100,815 15.0 April 1,004,842 1,147,941 81.6 143,099 18.4 May 1,325,667 1,485,975 82.0 160,309 18.0 June 1,785,782 1,959,874 83.3 174,092 16.7 July 2,182,407 2,342,523 84.7 160,117 15.3 August 2,424,602 2,653,823 85.0 229,220 15.0 September 2,826,102 3,004,659 85.9 178,557 14.1 October 3,132,369 3,324,519 86.7 192,150 13.3 November 3,542,272 3,746,971 86.1 204,699 13.9 December 3,719,197 3,864,215 86.9 145,017 13.1 2026 January 393,717 405,204 78.6 11,487 21.4 1 Net profit (after taxes) is indicated unadjusted for dividends received from resident subsidiary credit institutions. Note. Data are given exclusive of the bank of non-core assets. Profit (loss) of Banks is accumulated through the year. 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 101 4.2. Borrowings Table 4.2.1 Ruble, Foreign Currency and Precious Metals-Denominated Budget Funds in Accounts of Credit Institutions1 (millions of rubles) of which Date Total regional and local federal budget funds other budget funds extra-budgetary funds budget funds 1 2 3 4 5 6 2024 31.12 47,245 4,202 16,527 26,098 418 2025 31.01 58,982 18,273 15,470 24,773 465 28.02 78,538 40,155 16,316 21,691 376 31.03 86,637 47,500 17,766 19,841 1,531 30.04 89,115 49,149 18,897 20,667 402 31.05 85,832 38,319 19,898 27,340 275 30.06 88,720 29,797 24,083 32,060 2,780 31.07 109,456 39,846 31,905 35,754 1,952 31.08 102,540 29,534 36,228 35,487 1,291 30.09 90,328 26,556 26,194 36,354 1,224 31.10 86,800 22,871 27,402 34,765 1,763 30.11 83,087 17,057 29,613 34,766 1,651 31.12 73,557 3,242 32,135 36,580 1,600 2026 31.01 77,720 12,299 29,231 35,386 804 28.02 84,247 16,850 31,551 35,678 168 1 Including the State Development Corporation VEB.RF. Note. Certain discrepancies between the total and the sum of components are due to the rounding of data. Table 4.2.2 102 Funds (Deposits) of Individuals Accepted by Credit Institutions (millions of rubles) Individuals’ funds (deposits)1 No. 3 (394) Bank of Russia Statistical Bulletin in rubles in foreign currency Date by maturity by maturity total total demand up to 31 to 91 to 181 days 1 to over total demand up to 31 to 91 to 181 days 1 to over deposits1 30 days 90 days 180 days to 1 year 3 years 3 years deposits1 30 days 90 days 180 days to 1 year 3 years 3 years 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 2025 31.12 65,870,876 62,394,361 18,985,867 291,448 3,679,632 20,141,694 11,409,867 7,212,253 673,599 3,476,514 1,675,732 1,242 170,185 176,160 613,068 582,640 257,488 2026 31.01 64,794,373 61,341,230 17,387,139 254,543 3,788,190 21,226,241 10,754,307 7,265,047 665,765 3,453,142 1,831,807 938 209,600 127,488 465,784 566,159 251,366 1 Including current accounts without individuals’ escrow accounts under equity construction agreements. Note. Data are given exclusive of the bank of non-core assets. 4. Financial Institutions’ Performance Table 4.2.3 4. Financial Institutions’ Performance Funds of Legal Entities Accepted by Credit Institutions 1 (millions of rubles) Deposits and other funds raised from legal entities2 in rubles Date total by maturity total demand deposits up to 30 days 31 to 90 days 91 to 180 days 181 days to 1 year 1 to 3 years over 3 years 1 2 3 4 5 6 7 8 9 10 2025 31.12 51,765,140 44,221,547 685,862 14,595,626 13,695,880 4,227,842 7,731,808 1,796,522 1,488,007 2026 31.01 50,695,656 43,414,583 630,511 17,424,590 10,609,071 3,734,274 7,687,292 1,770,759 1,558,087 Bank of Russia Statistical Bulletin 103 No. 3 (394) Table 4.2.3 (end) 104 (millions of rubles) Deposits and other funds raised from legal entities2 Memo: Loans, deposits and other funds in foreign currency deposits of individual entrepreneurs raised from credit institutions Date by maturity No. 3 (394) Bank of Russia Statistical Bulletin total demand 181 days in foreign in foreign up to 30 days 31 to 90 days 91 to 180 days 1 to 3 years over 3 years in rubles in rubles deposits to 1 year currency currency 1 11 12 13 14 15 16 17 18 19 20 21 22 2025 31.12 7,543,594 108,656 382,506 425,845 412,943 695,330 1,009,231 4,509,083 1,262,670 2,238 16,587,602 1,582,531 2026 31.01 7,281,073 105,215 250,420 469,864 342,562 767,829 925,644 4,419,539 1,207,731 1,935 16,583,578 1,553,263 1 Except funds on accounts, float and debts on factoring, forfaiting operations. 2 Corporate clients and government authorities. Note. Data are given exclusive of the bank of non-core assets. 4. Financial Institutions’ Performance Table 4.2.4 4. Financial Institutions’ Performance Weighted Average Interest Rates on Deposits of Individuals and Nonfinancial Organizations in Rubles (% p.a.) Weighted average interest rates on deposits of individuals by maturity Weighted average interest rates on deposits of nonfinancial organizations by maturity up to up to up to up to up to up to 30 days 30 days 1 year 1 year 30 days 1 year demand 31 to 91 to 181 days 1 to over over 31 to 91 to 181 days 1 to over over (including (except (including (except (including (including deposits 90 days 180 days to 1 year 3 years 3 years 1 year 90 days 180 days to 1 year 3 years 3 years 1 year demand demand demand demand demand demand deposits) deposits) deposits) deposits) deposits) deposits) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 2025 January 14.38 17.22 20.85 19.75 21.54 21.35 20.96 21.10 20.45 13.52 19.93 20.06 21.51 21.02 23.61 20.15 23.21 18.74 23.20 February 14.35 16.34 17.65 20.46 21.16 21.45 20.83 21.00 20.04 15.05 19.76 19.48 20.76 21.95 22.56 19.57 21.42 23.03 21.43 March 12.16 12.43 16.67 19.53 20.16 20.48 20.04 20.19 19.02 13.81 18.78 19.53 20.19 20.99 21.43 19.57 19.51 — 19.51 April 11.33 13.56 14.86 19.65 19.18 20.01 19.16 19.32 18.75 11.92 18.28 19.48 20.25 20.71 21.38 19.53 19.80 — 19.80 May 12.58 12.74 16.60 18.61 19.34 19.81 19.25 19.39 18.32 8.19 17.49 19.24 19.88 19.81 20.72 19.28 19.66 — 19.66 June 11.85 14.17 15.79 19.17 18.68 18.87 18.58 18.71 17.89 9.51 17.55 18.47 19.09 19.07 19.34 18.51 18.33 — 18.33 July 11.67 11.80 16.02 17.67 17.29 17.53 17.29 17.41 16.67 9.80 16.38 17.73 17.65 17.59 17.11 17.72 16.79 16.01 16.77 August 10.81 10.97 14.96 15.76 15.65 15.80 15.57 15.71 14.18 7.79 13.55 16.48 16.59 16.00 15.72 16.48 15.65 12.68 15.64 September 9.18 14.94 16.09 15.67 15.35 15.04 15.32 15.45 13.29 8.99 12.95 15.79 15.76 15.77 15.15 15.78 14.96 — 14.96 October 6.30 6.86 14.44 15.84 15.41 15.03 15.27 15.46 12.63 7.49 12.12 15.25 15.63 15.88 16.16 15.28 15.37 17.22 15.39 November 6.62 12.48 14.83 15.30 15.57 14.88 15.20 15.40 12.70 6.61 11.49 14.93 15.35 15.67 16.12 14.96 15.62 — 15.62 December 6.08 8.13 15.94 15.27 15.63 14.88 15.25 15.49 13.02 7.35 12.18 14.60 15.07 15.38 15.36 14.63 14.77 12.64 14.77 2026 Bank of Russia Statistical Bulletin January 6.77 9.76 15.07 14.58 14.90 14.37 14.58 14.76 12.57 7.53 11.78 14.34 14.82 15.04 15.17 14.38 14.52 — 14.52 105 No. 3 (394) Table 4.2.5 106 Weighted Average Interest Rates on Deposits of Individuals and Nonfinancial Organizations in US Dollars and Euros (% p.a.) Weighted average interest rates on deposits of individuals by maturity Weighted average interest rates on deposits of nonfinancial organizations by maturity up to up to up to up to up to up to No. 3 (394) Bank of Russia Statistical Bulletin 30 days 30 days 1 year 1 year 30 days 1 year demand 31 to 91 to 181 days 1 to over over 31 to 91 to 181 days 1 to over over (including (except (including (except (including (including deposits 90 days 180 days to 1 year 3 years 3 years 1 year 90 days 180 days to 1 year 3 years 3 years 1 year demand demand demand demand demand demand deposits) deposits) deposits) deposits) deposits) deposits) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 in US dollars 2025 January 0.01 0.01 — 1.34 1.33 1.01 1.10 1.11 2.16 — 2.16 0.36 1.53 — — 0.52 — — — February 0.01 0.01 — 2.08 1.09 0.76 0.86 0.88 1.77 — 1.77 0.42 1.02 — — 0.47 — — — March 0.01 0.01 — 0.66 1.69 2.78 1.95 2.05 3.27 — 3.27 0.41 0.90 — — 0.54 — — — April 0.01 0.01 — 2.48 1.31 2.77 2.70 2.71 1.58 — 1.58 0.43 0.87 — — 0.50 — — — May 0.01 0.01 — 2.53 0.97 1.15 1.16 1.19 1.47 — 1.47 0.55 0.85 — 1.00 0.61 — — — June 0.01 0.01 — 2.18 1.72 1.44 1.51 1.54 1.42 — 1.42 0.42 0.65 0.67 1.04 0.47 — — — July 0.01 0.01 — 2.20 1.17 1.52 1.42 1.47 1.35 — 1.35 0.51 0.70 0.36 — 0.53 — — — August 0.01 0.01 — 2.03 1.21 0.52 0.65 0.66 1.60 — 1.60 0.49 0.95 2.41 0.91 0.69 — — — September 0.01 0.01 — 2.51 1.03 1.04 1.31 1.33 1.34 — 1.34 0.63 0.69 1.71 0.31 0.66 — — — October 0.01 0.01 — 2.50 1.03 1.29 1.38 1.39 1.49 — 1.49 0.61 0.74 1.78 — 0.66 — — — November 0.01 0.01 — 1.81 0.96 0.80 1.05 1.06 1.23 — 1.23 0.60 0.60 2.12 — 0.69 — — — December 0.01 0.01 — 2.41 0.79 1.83 1.44 1.47 1.57 — 1.57 0.50 0.71 1.18 1.96 0.61 — — — 2026 January 0.01 0.01 — 2.35 1.29 1.67 1.65 1.67 1.67 — 1.67 0.56 0.80 1.15 — 0.59 — — — 4. Financial Institutions’ Performance Table 4.2.5 (end) 4. Financial Institutions’ Performance (% p.a.) Weighted average interest rates on deposits of individuals by maturity Weighted average interest rates on deposits of nonfinancial organizations by maturity up to up to up to up to up to up to 30 days 30 days 1 year 1 year 30 days 1 year demand 31 to 91 to 181 days 1 to over over 31 to 91 to 181 days 1 to over over (including (except (including (except (including (including deposits 90 days 180 days to 1 year 3 years 3 years 1 year 90 days 180 days to 1 year 3 years 3 years 1 year demand demand demand demand demand demand deposits) deposits) deposits) deposits) deposits) deposits) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 in euros 2025 January 0.01 0.01 — — 1.00 2.96 2.93 2.93 1.20 — 1.20 0.20 0.22 — 0.84 0.24 — — — February 0.01 0.01 — 1.06 1.07 1.92 1.65 1.75 1.06 — 1.06 0.17 0.30 — — 0.20 — — — March 0.01 0.01 — — 0.82 1.53 1.29 1.37 1.51 — 1.51 0.34 0.25 0.20 0.25 0.25 — — — April 0.01 0.01 — — 0.93 1.36 1.23 1.25 1.72 — 1.72 0.32 0.29 — 0.57 0.36 — — — May 0.01 0.01 — — 1.19 1.71 1.57 1.62 1.22 — 1.22 0.17 0.20 — — 0.19 — — — June 0.01 0.01 — — 0.80 1.35 1.33 1.33 1.63 — 1.63 0.19 0.20 — — 0.20 — — — July 0.01 0.01 — — 0.92 1.27 1.20 1.22 1.41 — 1.41 0.12 0.21 0.16 — 0.16 — — — August 0.01 0.01 — — 1.25 1.53 1.39 1.43 1.57 — 1.57 — 0.42 — — 0.42 — — — September 0.01 0.01 — — 0.43 1.06 0.55 0.56 1.26 — 1.26 — 0.73 0.83 — 0.74 — — — October 0.01 0.01 — — 2.12 1.02 1.11 1.11 1.18 — 1.18 — 0.28 0.32 — 0.30 — — — November 0.01 0.01 — — 2.22 1.06 1.25 1.26 1.17 — 1.17 — 0.14 0.61 — 0.23 — — — December 0.01 0.01 — — 0.91 0.95 0.90 0.94 2.01 — 2.01 — 0.32 2.02 — 0.53 — — — 2026 Bank of Russia Statistical Bulletin January 0.01 0.01 — — 0.76 1.20 1.02 1.03 0.82 — 0.82 — 0.65 0.41 — 0.54 — — — 107 No. 3 (394) Table 4.2.6 108 Savings (Deposit) Certificates, Bonds and Bills of Exchange Issued by Credit Institutions (millions of rubles) Deposit certificates Savings certificates No. 3 (394) Bank of Russia Statistical Bulletin of which by maturity of which by maturity Date savings total up to 31 to 91 to 181 days 1 to over total 1 certificates up to 31 to 91 to 181 days 1 to over 30 days 90 days 180 days to 1 year 3 years 3 years issued for 30 days 90 days 180 days to 1 year 3 years 3 years redemption 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 2025 31.12 0 0 0 0 0 0 0 3,305 3,275 0 0 0 0 0 31 2026 31.01 0 0 0 0 0 0 0 3,299 3,268 0 0 0 0 0 31 4. Financial Institutions’ Performance Table 4.2.6 (end) 4. Financial Institutions’ Performance (millions of rubles) Bonds Date of which by maturity Banking bill and bank acceptance total up to 180 days 181 days to 1 year 1 to 3 years over 3 years 1 17 18 19 20 21 22 2025 31.12 1,657,051 15,054 66,280 810,014 760,914 382,912 2026 31.01 1,618,335 4,735 67,287 777,398 758,309 375,623 1 Includes Account No. 522 ‘Savings certificates issued’ and Account No. 52404 ‘Savings certificates issued for redemption’. Note. Data are given exclusive of the bank of non-core assets. Bank of Russia Statistical Bulletin 109 No. 3 (394) 4.3. Lending 110 Table 4.3.1 Loans, Deposits, and Other Funds1 Provided to Corporate Clients, Individuals and Credit Institutions (millions of rubles) No. 3 (394) Bank of Russia Statistical Bulletin Loans and other funds provided to corporate clients and individuals in rubles of which Loans, deposits, and other funds Date corporate clients provided total to credit institutions individuals of which by maturity in rubles total up to 30 days 31 to 90 day 91 to 180 days 181 days to 1 year 1 to 3 years over 3 years 1 2 3 4 5 6 7 8 9 10 11 2025 31.12 120,325,461 37,925,914 82,399,547 5,713,140 1,333,465 2,773,125 10,161,170 19,623,557 40,474,602 17,750,950 2026 31.01 119,132,342 38,179,854 80,952,489 5,257,262 1,284,682 2,815,965 10,042,954 19,270,226 39,881,401 17,697,534 4. Financial Institutions’ Performance Table 4.3.1 (end) 4. Financial Institutions’ Performance (millions of rubles) Loans and other funds provided to corporate clients and individuals in foreign currency of which Loans, deposits, and other funds Date corporate clients provided total to credit institutions individuals of which by maturity in foreign currency total up to 30 days 31 to 90 day 91 to 180 days 181 days to 1 year 1 to 3 years over 3 years 1 12 13 14 15 16 17 18 19 20 21 2025 31.12 10,683,478 19,741 10,663,737 1,158,162 317,374 628,770 1,145,098 1,812,197 5,314,913 1,791,119 2026 31.01 10,840,916 19,110 10,821,805 1,181,886 293,634 494,689 1,222,029 1,835,243 5,516,062 1,756,572 1 Beginning on 1 February 2021 — takes into account acquired claims. Note. Data are given exclusive of the bank of non-core assets. Bank of Russia Statistical Bulletin 111 No. 3 (394) Table 4.3.2 112 Outstanding Amounts of Loans and Other Funds Granted to Corporate Clients and Individuals by Credit Institutions1 (millions of rubles) Outstanding amounts of loans and other funds provided to corporate clients2 Outstanding amounts of loans and other funds granted to individuals Date No. 3 (394) Bank of Russia Statistical Bulletin total of which overdue debt on loans and other funds total of which overdue debt on loans and other funds 1 2 3 4 5 2025 31.12 93,063,284 2,607,711 37,945,655 1,780,873 2026 31.01 91,774,294 2,678,262 38,198,964 1,803,454 1 Beginning on 1 February 2021 — takes into account acquired claims. 2 Non-financial and financial (other than credit) institutions and individual entrepreneurs. Note. Data are given exclusive of the bank of non-core assets. 4. Financial Institutions’ Performance Table 4.3.3 4. Financial Institutions’ Performance Weighted Average Interest Rates on Loans to Individuals in Rubles (% p.a.) By maturity Total for all maturities up to 30 days up to 1 year 31 to 90 days 91 to 180 days 181 days to 1 year 1 to 3 years over 3 years over 1 year total of which car loans (including call loans) (including call loans) 1 2 3 4 5 6 7 8 9 10 11 2025 January 43.71 42.87 28.18 23.99 29.08 28.55 21.74 22.38 22.72 21.72 February 43.88 31.74 28.23 23.52 28.44 30.58 19.31 20.18 20.53 21.56 March 42.06 43.65 32.02 22.86 28.01 29.26 19.51 20.33 20.63 21.07 April 43.72 32.15 29.83 22.96 28.71 25.75 18.26 18.83 19.22 19.67 May 40.73 43.10 30.48 24.05 29.22 26.91 18.34 18.95 19.29 18.81 June 36.38 28.08 28.80 24.12 27.82 26.23 18.14 18.71 19.02 17.19 July 29.58 43.42 30.35 24.86 29.23 26.54 17.66 18.23 18.52 15.55 August 42.01 43.37 30.97 23.90 28.45 25.49 16.91 17.47 17.77 14.65 September 43.47 29.79 26.50 23.13 27.85 22.94 16.48 16.92 17.23 14.75 October 42.52 40.86 29.38 22.84 27.98 22.67 16.14 16.57 16.86 15.07 November 43.58 25.08 28.49 22.08 27.24 22.83 15.91 16.32 16.63 16.12 December 27.21 42.56 26.13 22.34 27.06 21.63 14.12 14.43 14.71 16.08 2026 January 43.52 42.86 25.28 23.65 28.93 23.65 15.66 16.07 16.46 18.40 Bank of Russia Statistical Bulletin 113 No. 3 (394) Table 4.3.4 114 Weighted Average Interest Rates on Loans to Individuals in US Dollars (% p.a.) By maturity No. 3 (394) Bank of Russia Statistical Bulletin up to 30 days up to 1 year 31 to 90 days 91 to 180 days 181 days to 1 year 1 to 3 years over 3 years over 1 year (including call loans) (including call loans) 1 2 3 4 5 6 7 8 9 2025 January — — — — — — — — February — — — — — — — — March — — — — — — — — April — — — — — — — — May — — — — — — — — June — — — — — — — — July — — — — — — — — August — — — — — — — — September — — — — — — — — October — — — — — — — — November — — — — — — — — December — — — — — — — — 2026 January — — — — — — — — 4. Financial Institutions’ Performance Table 4.3.5 4. Financial Institutions’ Performance Weighted Average Interest Rates on Loans to Individuals in Euros (% p.a.) By maturity up to 30 days up to 1 year 31 to 90 days 91 to 180 days 181 days to 1 year 1 to 3 years over 3 years over 1 year (including call loans) (including call loans) 1 2 3 4 5 6 7 8 9 2025 January — — — — — — — — February — — — — — — — — March — — — — — — — — April — — — — — — — — May — — — — — — — — June — — — — — — — — July — — — — — — — — August — — — — — — — — September — — — — — — — — October — — — — — — — — November — — — — — — — — December — — — — — — — — 2026 January — — — — — — — — Bank of Russia Statistical Bulletin 115 No. 3 (394) Table 4.3.6 116 Weighted Average Interest Rates on Loans to Nonfinancial Organizations in Rubles (% p.a.) Total of which to small, medium-sized businesses No. 3 (394) Bank of Russia Statistical Bulletin up to up to up to up to 30 days 31 to 91 to 181 days 1 year 1 to over over 30 days 31 to 91 to 181 days 1 year 1 to over over (including 90 days 180 days to 1 year (including 3 years 3 years 1 year (including 90 days 180 days to 1 year (including 3 years 3 years 1 year call loans) call loans) call loans) call loans) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 2025 January 24.06 24.38 23.85 23.04 23.79 17.52 16.74 17.20 23.83 24.97 22.00 24.08 23.73 18.07 19.70 18.80 February 23.49 24.23 17.37 20.29 20.55 17.34 15.64 16.64 23.01 23.90 22.39 23.78 23.31 17.78 19.58 18.56 March 22.17 23.46 24.49 20.17 22.23 18.01 19.44 18.68 21.54 24.42 23.71 21.41 22.36 18.77 22.33 20.58 April 22.34 22.34 24.11 22.17 22.74 15.59 18.76 16.71 22.10 23.67 23.82 22.61 23.03 18.61 21.02 19.73 May 22.29 23.95 24.48 20.06 22.35 18.15 17.62 17.98 21.63 24.96 24.14 22.09 23.27 18.23 18.49 18.35 June 23.17 22.80 23.40 19.59 21.75 15.46 18.63 16.67 25.92 23.53 23.01 21.28 23.19 17.08 20.04 18.40 July 20.57 20.94 22.20 21.00 21.21 15.39 16.08 15.63 22.54 22.78 22.74 22.90 22.85 17.54 18.63 18.00 August 18.80 16.72 21.41 18.90 18.71 14.15 15.99 14.61 23.16 21.27 21.95 20.81 21.30 17.32 17.93 17.60 September 19.78 18.38 20.16 17.88 19.01 15.68 16.82 16.09 21.64 21.32 21.67 20.19 21.22 16.50 17.95 17.20 October 18.29 18.73 20.35 16.88 17.89 15.64 14.76 15.32 19.44 20.78 21.35 20.32 20.70 17.27 17.95 17.62 November 17.66 18.84 19.88 18.42 18.80 13.86 14.26 14.04 21.76 21.51 19.93 19.23 19.96 16.23 17.92 17.12 December 16.59 19.38 19.78 16.82 17.99 13.43 14.20 13.75 14.26 19.83 20.12 18.63 18.80 16.38 16.80 16.60 2026 January 17.00 18.88 19.47 18.69 18.33 15.92 14.90 15.58 19.41 20.52 20.27 19.35 19.80 15.72 16.50 16.05 4. Financial Institutions’ Performance Table 4.3.7 4. Financial Institutions’ Performance Weighted Average Interest Rates on Loans to Nonfinancial Organizations in US Dollars (% p.a.) Total of which small and medium-sized businesses up to up to up to up to 30 days 31 to 91 to 181 days 1 year 1 to over over 30 days 31 to 91 to 181 days 1 year 1 to over over (including 90 days 180 days to 1 year (including 3 years 3 years 1 year (including 90 days 180 days to 1 year (including 3 years 3 years 1 year call loans) call loans) call loans) call loans) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 2025 January — — — — — — — — — — — — — — — — February — — 7.50 10.03 8.22 12.65 — 12.65 — — — — — — — — March — — 8.02 — 8.02 — — — — — — — — — — — April — — — 11.15 11.15 9.83 — 9.83 — — — — — — — — May — — 6.82 — 6.82 — — — — — — — — — — — June — — — 11.14 11.14 — — — — — — — — — — — July — — 8.94 9.41 9.01 — — — — — — — — — — — August — — 7.03 — 7.03 — — — — — — — — — — — September — — 7.69 — 7.69 — — — — — — — — — — — October — — 7.09 7.51 7.22 — — — — — — — — — — — November — — 7.55 — 7.55 — — — — — — — — — — — December — — — — — 7.31 — 7.31 — — — — — — — — 2026 Bank of Russia Statistical Bulletin January — — — — — 7.99 — 7.99 — — — — — — — — 117 No. 3 (394) Table 4.3.8 118 Weighted Average Interest Rates on Loans to Nonfinancial Organizations in Euros (% p.a.) Total of which small and medium-sized businesses No. 3 (394) Bank of Russia Statistical Bulletin up to up to up to up to 30 days 31 to 91 to 181 days 1 year 1 to over over 30 days 31 to 91 to 181 days 1 year 1 to over over (including 90 days 180 days to 1 year (including 3 years 3 years 1 year (including 90 days 180 days to 1 year (including 3 years 3 years 1 year call loans) call loans) call loans) call loans) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 2025 January — — 7.37 — 7.37 — — — — — — — — — — — February — — — — — — — — — — — — — — — — March — — — — — 9.86 — 9.86 — — — — — — — — April — — 7.82 — 7.82 — — — — — — — — — — — May — — — — — — — — — — — — — — — — June — — — — — — — — — — — — — — — — July — — — — — — — — — — — — — — — — August — — — — — — — — — — — — — — — — September — — — — — — — — — — — — — — — — October — — — — — — — — — — — — — — — — November — — — — — — — — — — — — — — — — December — — — — — — — — — — — — — — — — 2026 January — — — — — — — — — — — — — — — — 4. Financial Institutions’ Performance Table 4.3.9 4. Financial Institutions’ Performance Loans Extended to Small, Medium-Sized Businesses (millions of rubles) Volume of extended loans Debt Of which overdue debt in foreign currency in foreign currency in foreign currency in rubles in rubles in rubles and precious metals and precious metals and precious metals Date small and of which small and of which small and of which small and of which small and of which small and of which medium-sized individual medium-sized individual medium-sized individual medium-sized individual medium-sized individual medium-sized individual businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs 1 2 3 4 5 6 7 8 9 10 11 12 13 2024 31.12 1,454,135 128,460 6,497 0 14,321,008 1,218,106 181,603 39 629,935 86,040 10,147 8 2025 31.01 943,116 78,372 425 0 14,392,785 1,197,219 178,051 38 649,408 92,522 9,829 8 28.02 951,862 88,351 3,527 0 14,574,488 1,188,949 158,360 34 681,067 100,282 8,802 7 31.03 1,370,966 111,944 914 0 14,872,064 1,192,175 151,973 33 713,063 107,938 8,574 6 30.04 1,255,527 115,908 6,724 0 15,134,051 1,201,287 156,344 33 725,871 115,298 8,910 6 31.05 1,030,042 100,611 15,200 0 15,355,873 1,199,237 170,654 32 752,203 123,408 14,164 6 30.06 1,337,146 103,894 4,183 0 15,533,266 1,197,705 161,254 30 779,532 130,584 8,824 6 31.07 1,098,955 107,171 10,590 0 13,530,810 1,166,558 106,684 29 749,081 123,322 138 6 31.08 1,079,966 105,351 83,911 15 13,664,121 1,069,109 188,158 41 525,314 47,367 77 6 30.09 1,259,867 115,191 1,377 7 13,903,256 1,074,478 193,022 41 541,558 50,807 79 6 31.10 1,352,026 117,643 67,960 0 14,153,758 1,070,181 253,325 32 564,610 58,676 81 6 Bank of Russia Statistical Bulletin 30.11 1,051,727 103,895 960 0 14,376,316 1,064,836 244,905 28 567,282 65,843 108 6 31.12 1,598,716 141,928 6,438 11 14,498,440 1,071,544 252,229 35 587,814 73,406 6 6 2026 31.01 687,625 75,810 841 30 14,398,251 1,058,107 244,803 64 615,775 80,824 6 6 Note. The data do not include statistics on the Donetsk People’s Republic, the Lugansk People’s Republic, the Zaporozhye Region and the Kherson Region. 119 No. 3 (394) Table 4.3.10 120 Housing Loans Granted to Resident Individuals In rubles number of granted loans data volume of granted loans data outstanding amount of granted loans, weighted average maturity weighted average interest rate No. 3 (394) Bank of Russia Statistical Bulletin Date for the month, for the month, millions rubles on loans granted over the month, on loans granted over the month, units millions rubles total of which overdue debt months % 1 2 3 4 5 6 7 2024 31.12 73,488 292,658 19,202,140 96,902 302.2 8.47 2025 31.01 32,333 126,987 19,093,337 102,999 305.4 8.35 28.02 52,687 227,267 19,152,677 110,734 309.5 7.70 31.03 57,975 257,263 19,227,239 117,114 310.6 7.57 30.04 65,404 290,445 19,344,960 127,991 308.2 7.53 31.05 63,376 287,513 19,466,882 138,187 308.5 7.48 30.06 68,761 309,111 19,543,634 147,665 307.9 7.47 31.07 77,529 356,023 19,481,954 159,284 307.4 7.46 31.08 85,171 392,371 19,706,992 170,121 307.0 7.58 30.09 87,935 404,528 19,926,320 179,089 304.4 8.03 31.10 106,054 489,770 20,222,740 190,522 304.6 8.24 30.11 105,459 501,551 20,479,056 200,481 309.4 7.93 31.12 166,578 811,377 20,843,052 207,503 313.6 7.59 2026 31.01 84,691 424,983 21,093,409 213,244 315.3 7.64 4. Financial Institutions’ Performance 28.02 68,770 290,375 21,190,158 217,400 285.8 9.99 Table 4.3.10 (end) 4. Financial Institutions’ Performance In foreign currency number of granted loans data volume of granted loans data outstanding amount of granted loans, weighted average maturity weighted average interest rate Date for the month, for the month, million rubles on loans granted over the month, on loans granted over the month, units millions rubles total of which overdue loans months % 1 8 9 10 11 12 13 2024 31.12 — — 4,012 1,813 — — 2025 31.01 — — 3,812 1,720 — — 28.02 1 13,534 3,398 1,540 166.2 6.00 31.03 — — 3,217 1,470 — — 30.04 — — 2,986 1,371 — — 31.05 — — 2,842 1,305 — — 30.06 — — 2,808 1,300 — — 31.07 — — 2,851 1,347 — — 31.08 — — 2,778 1,331 — — 30.09 — — 2,826 1,363 — — 31.10 — — 2,708 1,318 — — 30.11 — — 2,531 1,200 — — 31.12 — — 2,460 1,163 — — 2026 31.01 — — 2,362 1,128 — — Bank of Russia Statistical Bulletin 28.02 — — 2,376 1,141 — — 121 No. 3 (394) Table 4.3.11 122 Mortgage Loans Granted to Resident Individuals and Acquired Сlaims Thereon In rubles outstanding amount of granted loans, memo: No. 3 (394) Bank of Russia Statistical Bulletin weighted average maturity weighted average interest Date number of granted loans data volume of granted loans data million rubles receivables on housing on loans granted rate on loans granted for the month, for the month, mortgage loans acquired over the month, over the month, units millions rubles total of which overdue loans by credit institutions, total, months % millions rubles 1 2 3 4 5 6 7 8 2024 31.12 73,364 291,146 19,195,201 94,911 303.7 8.47 899,102 2025 31.01 32,294 126,932 19,086,429 100,644 305.5 8.35 932,104 28.02 52,573 227,090 19,145,633 108,344 309.8 7.70 920,172 31.03 57,811 257,069 19,220,116 114,587 310.7 7.56 910,332 30.04 65,247 290,271 19,337,925 125,592 308.3 7.52 902,096 31.05 63,262 287,331 19,460,075 135,783 308.6 7.47 896,804 30.06 68,695 308,949 19,536,754 145,242 308.0 7.47 890,935 31.07 77,462 355,872 19,475,329 156,874 307.5 7.46 884,100 31.08 85,094 392,274 19,700,406 167,725 307.0 7.58 877,761 30.09 87,872 404,401 19,919,911 176,727 304.5 8.03 871,836 31.10 105,966 489,610 20,216,495 188,205 304.6 8.24 863,535 30.11 105,410 501,455 20,472,932 198,158 309.4 7.93 856,557 31.12 166,509 811,214 20,837,166 205,377 313.6 7.59 855,967 2026 4. Financial Institutions’ Performance 31.01 84,659 424,903 21,087,433 211,108 315.3 7.64 848,539 28.02 68,714 290,222 21,183,949 215,279 285.9 9.99 831,151 Table 4.3.11 (end) 4. Financial Institutions’ Performance In foreign currency outstanding amount of granted loans, memo: weighted average maturity weighted average interest Date number of granted loans data volume of granted loans data million rubles receivables on housing on loans granted rate on loans granted for the month, for the month, mortgage loans acquired over the month, over the month, units millions rubles total of which overdue loans by credit institutions, total, months % millions rubles 1 9 10 11 12 13 14 15 2024 31.12 — — 3,649 1,496 — — 2,891 2025 31.01 — — 3,463 1,414 — — 2,902 28.02 1 13,534 3,104 1,285 166.2 6.00 2,567 31.03 — — 2,937 1,227 — — 2,386 30.04 — — 2,713 1,133 — — 2,337 31.05 — — 2,580 1,077 — — 2,231 30.06 — — 2,546 1,073 — — 2,153 31.07 — — 2,611 1,110 — — 2,217 31.08 — — 2,542 1,098 — — 2,141 30.09 — — 2,583 1,124 — — 2,150 31.10 — — 2,473 1,085 — — 2,043 30.11 — — 2,302 974 — — 1,978 31.12 — — 2,254 959 — — 1,939 2026 Bank of Russia Statistical Bulletin 31.01 — — 2,161 930 — — 1,855 28.02 — — 2,172 940 — — 1,874 123 No. 3 (394) Table 4.3.12 124 Mortgage Loans Granted to Resident Individuals Against the Pledge of Claims Under Share Construction Participation Agreements In rubles No. 3 (394) Bank of Russia Statistical Bulletin number of granted loans data volume of granted loans data outstanding amount of granted loans, weighted average maturity weighted average interest rate Date for the month, for the month, million rubles on loans granted over the month, on loans granted over the month, units million rubles total of which overdue loans months % 1 2 3 4 5 6 7 2024 31.12 35,599 187,209 4,584,867 9,321 322.1 6.15 2025 31.01 15,967 86,449 4,476,561 9,894 321.6 6.13 28.02 27,160 150,257 4,415,358 10,710 323.4 6.00 31.03 29,916 166,178 4,363,170 11,104 323.2 6.01 30.04 29,662 166,844 4,330,964 11,857 322.6 5.98 31.05 29,196 167,354 4,283,384 12,521 322.6 6.04 30.06 31,167 175,590 4,275,243 13,216 322.8 6.05 31.07 34,450 197,383 4,228,309 14,440 323.2 6.00 31.08 38,639 222,906 4,227,203 15,336 323.8 6.08 30.09 40,779 234,655 4,263,775 16,357 322.9 6.44 31.10 48,227 277,873 4,331,193 17,551 324.9 6.45 30.11 53,450 308,842 4,471,658 18,203 328.4 6.31 31.12 85,576 487,672 4,666,806 18,726 329.2 6.20 2026 4. Financial Institutions’ Performance 31.01 44,664 261,270 4,761,421 19,183 329.6 6.35 28.02 22,595 127,386 4,639,680 19,528 315.0 6.83 Table 4.3.12 (end) 4. Financial Institutions’ Performance In foreign currency number of granted loans data volume of granted loans data outstanding amount of granted loans, weighted average maturity weighted average interest rate Date for the month, for the month, million rubles on loans granted over the month, on loans granted over the month, units million rubles total of which overdue loans months % 1 8 9 10 11 12 13 2024 31.12 — — 10 10 — — 2025 31.01 — — 9 9 — — 28.02 — — 8 8 — — 31.03 — — 8 8 — — 30.04 — — 8 8 — — 31.05 — — 8 8 — — 30.06 — — 1 1 — — 31.07 — — 2 2 — — 31.08 — — 2 2 — — 30.09 — — 2 2 — — 31.10 — — 2 2 — — 30.11 — — 1 1 — — 31.12 — — 1 1 — — 2026 31.01 — — 1 1 — — Bank of Russia Statistical Bulletin 28.02 — — 1 1 — — 125 No. 3 (394) 126 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.3.13 Investment Portfolio of Credit Institutions (millions of rubles) Gross investments in debt securities (including loss provisions, revaluation and cost adjustment) Gross investments of which in equity securities Date investments in unpledged debt (including loss provisions, total debt securities transferred that securities at balance-sheet value revaluation and cost adjustment) do not qualify for the derecognition (excluding revaluation and cost adjustment) 1 2 3 4 5 2025 31.12 29,027,617 8,937,151 20,597,575 587,450 2026 31.01 28,808,607 7,484,603 21,881,580 571,200 Note. Data are given exclusive of the bank of non-core assets. 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 127 Table 4.4 Credit Institutions’ Claims and Liabilities on Financial Derivatives (millions of rubles) Derivatives Derivatives Date (claims, at fair value) (liabilities, at fair value) 1 2 3 2025 31.12 671,828 613,603 2026 31.01 734,846 665,773 Note. Data are given exclusive of the bank of non-core assets. 4.5. Main Indicators of Subjects of Collective Investment and Insurance Business’ Performance 128 Table 4.5.1 Main Indicators of Private Pension Funds’ Performance No. 3 (394) Bank of Russia Statistical Bulletin Private pension provision / Long-term savings programme1 Benefits under mandatory pension insurance number of participants, number of insured persons, number payouts of pensions, persons persons of insured persons millions of rubles pension reserves, benefits, pension savings, of which who received of which millions of rubles millions of rubles millions of rubles of which total receiving regular total a one-off benefit, total one-off benefit, receiving pension persons benefits persons 1 2 3 4 5 6 7 8 9 10 11 2022 Q1 1,556,887.28 6,208,514 1,512,114 19,485.21 2,985,359.78 36,733,143 108,117 53,765 5,208.57 4,816.81 Q2 1,603,168.27 6,216,695 1,506,929 38,779.61 3,039,497.82 36,680,863 114,208 128,922 13,124.43 12,283.24 Q3 1,628,730.41 6,226,595 1,505,488 58,819.04 3,075,751.05 36,628,104 118,948 390,206 23,435.60 22,113.74 Q4 1,666,867.53 6,245,830 1,501,254 78,258.76 3,090,923.74 36,574,017 124,736 473,573 33,365.30 31,495.09 2023 Q1 1,710,075.06 6,245,947 1,501,279 20,351.75 3,158,637.49 36,442,815 129,467 77,178 9,392.62 8,914.78 Q2 1,767,133.64 6,261,903 1,492,927 40,221.23 3,247,287.18 36,384,578 135,520 164,674 20,483.01 19,454.15 Q3 1,801,765.14 6,241,797 1,484,443 61,200.44 3,288,314.95 36,325,285 141,617 535,824 32,630.15 30,994.72 Q4 1,823,784.04 6,058,998 1,475,731 81,436.94 3,279,496.21 36,265,411 147,527 630,010 44,293.16 41,949.46 2024 Q1 1,866,141.11 6,334,936 1,465,695 25,824.36 3,337,050.51 36,139,017 151,196 84,639 11,319.56 10,717.10 Q2 1,909,206.39 6,711,773 1,465,692 54,336.30 3,343,015.17 36,076,904 155,904 161,142 22,295.50 21,272.37 Q3 1,970,180.88 7,325,837 1,458,661 84,295.14 3,374,831.91 36,012,608 160,621 613,063 43,048.00 41,285.64 4. Financial Institutions’ Performance Q4 2,098,309.78 8,790,569 1,459,584 83,572.84 3,416,238.69 35,944,346 164,255 748,574 61,261.76 58,657.06 2025 Q1 2,321,765.16 9,928,638 1,455,646 33,385.74 3,368,601.06 35,380,038 167,002 138,098 20,804.27 20,080.90 Q2 2,490,492.25 11,208,898 1,457,872 69,130.92 3,475,782.95 35,305,066 168,879 265,823 39,959.44 38,434.23 Q3 2,680,228.56 12,657,026 1,450,626 118,525.71 3,553,678.91 35,230,370 166,275 636,539 53,426.78 51,015.82 1 On 1 January 2024, a long-term savings programme was launched, allowing for the accumulation of an additional capital. The data also include information on the long-term savings programme. Table 4.5.2 4. Financial Institutions’ Performance Private Pension Funds’ Pension Reserves Generation (millions of rubles) Pension reserves Pension contributions, Earmarked receipts Pension reserves Payouts made Pension reserves at the beginning of the year acted in reporting year in reporting year investment returns in the repoting year at of the end of the year 1 2 3 4 5 6 7 2017 1,062,685.25 103,251.44 187.84 55,902.97 69,380.55 1,184,069.01 2018 1,080,077.97 97,411.68 5,859.55 52,128.00 69,698.31 1,267,959.20 2019 1,264,008.18 111,735.55 2,022.49 102,800.77 93,490.93 1,386,694.94 2020 1,377,782.35 110,033.21 2,690.43 81,011.00 85,910.47 1,474,036.09 2021 1,452,556.52 131,547.68 2,795.49 57,363.26 89,840.67 1,543,149.10 2022 1,565,282.24 130,141.83 3,295.59 85,470.70 100,930.99 1,666,867.53 2023 1,665,300.97 146,029.40 2,631.80 132,316.22 106,859.93 1,823,784.04 2024 1,823,784.04 263,083.33 2,524.44 141,875.16 116,160.67 2,098,309.78 Bank of Russia Statistical Bulletin 129 No. 3 (394) Table 4.5.3 130 Private Pension Funds’ Pension Accruals Flows (millions of rubles) Pension savings received from the Pension and Social Insurance Fund Pension savings transferred to the Pension and Social Insurance Fund Pension accruals received by the other pension funds of the Russian Federation of the Russian Federation No. 3 (394) Bank of Russia Statistical Bulletin of which of which of which maternity capital funds of instalments maternity capital funds of instalments maternity capital funds of instalments (a portion contributions towards (a portion contributions towards (a portion contributions towards total of maternity (family) co-financing of pension savings total of maternity (family) co-financing of pension savings total of maternity (family) co-financing of pension savings capital), including contributions capital), including contributions capital), including contributions including total disbursed from the including total disbursed from the including total disbursed from the investment returns National Welfare Fund investment returns National Welfare Fund investment returns National Welfare Fund 1 2 3 4 5 6 7 8 9 10 11 12 13 2017 222,835.65 79.44 6,921.24 3,358.28 322,890.73 57.20 4,357.42 2,013.72 3,245.44 31.00 193.86 90.34 2018 130,189.70 107.96 5,495.33 2,640.22 106,967.88 18.44 1,061.67 495.28 3,401.35 33.60 225.94 106.23 2019 45,334.06 104.18 4,699.97 2,329.70 72,473.94 14.96 1,345.63 467.78 4,818.48 18.76 319.19 147.02 2020 16,244.26 62.59 3,481.08 1,654.81 17,103.12 5.60 338.28 158.64 8,201.10 14.81 429.32 204.57 2021 4,708.35 144.66 2,690.99 1,235.54 4,717.03 0.94 136.60 63.87 5,472.80 17.83 338.98 161.61 2022 5,392.28 238.50 2,377.54 975.00 4,904.27 4.12 143.05 67.36 5,995.38 21.03 326.05 155.44 2023 2,557.22 242.49 1,253.10 635.56 3,976.32 5.21 113.48 52.58 6,731.41 27.19 326.13 154.48 2024 1,508.82 344.60 394.60 70.38 3,392.11 1.17 75.86 35.76 4,745.38 28.39 167.30 79.84 4. Financial Institutions’ Performance Table 4.5.3 (end) 4. Financial Institutions’ Performance (millions of rubles) Pension accruals transferred to other private pension funds Payouts from pension savings of which of which maternity capital funds of instalments Pension savings (a portion contributions towards investment returns total co-financing of pension savings total payments to the successors of maternity (family) lump-sum funded pension term payments of the deceased capital), including contributions payments insured persons including total disbursed from the investment returns National Welfare Fund 1 14 15 16 17 18 19 20 21 22 23 2017 66,593.75 10.58 713.34 334.84 82,454.58 11,181.98 278.99 84.07 7,775.26 3,043.66 2018 90,942.65 16.46 955.38 444.86 –21,735.04 14,910.82 472.67 152.39 10,847.80 3,437.96 2019 72,382.20 14.65 1,180.56 465.53 270,057.86 18,704.72 721.81 257.78 4,305.42 13,419.71 2020 16,539.74 5.11 326.97 153.36 179,627.15 20,995.72 902.84 365.65 14,915.39 4,811.84 2021 4,824.64 1.45 139.20 64.67 128,733.28 23,508.31 1,066.96 480.48 15,602.46 6,358.41 2022 4,904.10 4.12 143.05 67.36 137,287.20 40,653.17 1,264.98 605.23 31,495.09 7,287.87 2023 3,995.19 5.21 113.47 52.59 277,734.31 51,430.76 1,590.57 753.13 41,949.46 7,137.60 2024 3,015.61 10.71 69.21 32.65 239,102.56 69,144.06 1,787.83 816.86 58,657.06 7,882.30 Bank of Russia Statistical Bulletin 131 No. 3 (394) Table 4.5.4 132 Main Indicators of Unit Investment Funds’ Performance Number of holders of investment shares in unit investment funds, Value of net assets of unit investment funds, thousands of units1 millions of rubles2 No. 3 (394) Bank of Russia Statistical Bulletin Period of which by types of investment funds of which by types of unit investment funds total total exchange-traded opened interval closed exchange-traded opened interval closed 1 2 3 4 5 6 7 8 9 10 11 2022 Q1 8,971.0 5,798.0 1,976.5 1,078.0 118.5 6,368,158.8 112,747.4 475,029.5 34,527.1 5,745,854.8 Q2 9,067.0 5,875.9 1,985.0 1,078.0 128.1 6,717,517.4 125,007.4 535,998.5 46,910.5 6,009,600.9 Q3 9,170.7 5,916.3 2,041.0 1,078.5 134.9 6,443,485.9 120,030.8 515,203.4 42,340.9 5,765,910.8 Q4 9,261.7 5,956.8 2,079.0 1,078.3 147.6 7,660,489.1 141,338.6 581,363.8 60,932.3 6,876,854.3 2023 Q1 9,650.7 6,249.4 2,162.9 1,078.2 160.2 8,130,503.6 154,515.1 630,521.2 64,820.1 7,280,647.2 Q2 10,069.9 6,583.2 2,261.2 1,078.2 147.3 8,900,910.0 172,756.4 717,323.7 100,677.8 7,910,152.1 Q3 11,026.7 7,304.9 2,147.6 1,078.7 495.5 10,162,652.6 216,087.6 745,185.9 153,330.2 9,048,049.0 Q4 11,976.4 7,695.4 2,013.4 1,078.9 1,188.7 12,391,506.7 354,940.0 773,108.3 191,162.0 11,072,296.3 2024 Q1 13,042.1 8,699.3 2,060.7 1,079.3 1,202.9 13,192,634.9 402,527.7 825,781.8 210,327.4 11,753,998.0 Q2 13,881.4 9,464.4 2,119.7 1,079.8 1,217.4 14,610,958.5 461,648.8 836,622.5 219,647.7 13,093,039.4 Q3 14,900.2 9,547.8 2,035.0 1,080.9 2,236.4 14,943,755.7 671,991.6 760,236.8 172,116.2 13,339,411.0 Q4 16,115.0 10,805.1 1,980.9 1,082.4 2,246.6 16,803,897.1 1,170,174.0 762,433.2 234,654.9 14,636,634.9 2025 Q1 17,859.5 12,536.8 1,979.5 1,084.2 2,258.9 17,888,569.4 1,221,769.3 861,203.3 288,060.8 15,517,536.0 4. Financial Institutions’ Performance Q2 19,044.3 13,666.1 2,019.8 1,085.1 2,273.3 19,456,351.8 1,355,661.3 1,005,712.0 308,026.6 16,786,952.0 Q3 20,355.7 14,846.9 2,124.1 1,088.4 2,296.3 20,651,486.7 1,535,906.0 1,313,789.0 406,862.9 17,394,928.8 Q4 21,814.9 16,057.7 2,343.6 1,089.5 2,324.1 21,748,758.9 1,860,125.8 1,502,629.0 556,677.5 17,829,326.6 Table 4.5.4 (end) 4. Financial Institutions’ Performance Issue of investment shares of unit investment funds, Redemption of investment shares of unit investment funds, millions of rubles millions of rubles Period of which by types of investment funds of which by types of investment funds total total exchange-traded opened interval closed exchange-traded opened interval closed 1 12 13 14 15 16 17 18 19 20 21 2022 Q1 239,440.2 14,299.1 24,910.8 1,468.2 198,762.1 54,489.9 8,049.0 34,543.9 1,977.6 9,919.4 Q2 447,517.3 5,408.7 24,217.6 2,431.7 415,459.4 88,912.9 9,737.2 42,556.5 1,121.2 35,498.0 Q3 274,798.2 12,896.2 51,356.8 7,937.8 202,607.4 267,901.6 15,858.2 40,410.7 3,092.3 208,540.3 Q4 850,978.8 14,714.9 36,384.8 5,428.8 794,450.3 86,880.8 10,343.7 44,768.1 2,339.0 29,430.1 2023 Q1 273,906.3 11,552.7 51,449.2 504.4 210,400.0 92,305.9 9,054.5 50,063.1 1,811.0 31,377.2 Q2 388,536.6 16,389.0 101,172.0 30,617.2 240,358.4 146,348.7 11,830.6 84,287.8 4,190.3 46,040.1 Q3 1,029,090.2 56,515.7 124,590.9 72,296.9 775,686.7 260,192.2 13,955.1 121,803.1 1,595.1 122,838.9 Q4 1,908,151.2 160,214.6 112,463.8 39,982.6 1,595,490.2 183,540.5 16,362.8 111,352.1 10,539.8 45,285.8 2024 Q1 501,714.2 56,682.7 116,546.1 18,354.7 310,130.6 218,830.5 27,173.1 114,215.4 10,418.3 67,023.7 Q2 716,636.3 73,601.6 134,269.2 23,394.3 485,371.2 235,446.1 21,895.8 97,042.9 9,763.0 106,744.4 Q3 674,262.0 214,263.2 52,150.5 15,321.9 392,526.4 257,981.7 24,182.1 88,700.8 99,298.1 45,800.7 Q4 1,291,597.2 488,166.6 93,489.2 47,868.2 662,073.2 403,646.8 30,698.4 93,407.7 14,632.3 264,908.4 2025 Q1 757,302.7 151,374.8 160,293.8 69,956.2 375,677.9 302,017.2 159,462.4 103,807.3 18,554.7 20,192.9 Bank of Russia Statistical Bulletin Q2 891,846.6 157,166.9 237,759.9 34,811.6 462,108.1 251,519.4 76,664.0 98,981.8 15,300.8 60,572.7 Q3 1,256,794.1 174,400.6 451,845.1 81,524.7 549,023.7 347,946.4 59,544.8 166,624.3 22,309.8 99,467.5 Q4 1,194,843.4 297,324.7 365,052.2 173,079.7 359,386.8 356,164.5 39,021.8 218,371.8 32,023.7 66,747.2 1 Data are given exclusive of additional closed funds with blocked assets. 2 Data on the indicator ‘Net Asset Values of Unit Investment Funds’ are given for assessed assets exclusive of blocked assets due to the fact that some unit investment funds did not calculate a number of indicators from Forms 0420502/0420872 No. 3 (394) ‘Notes of Net Asset Values, Including Asset (Property) Value, of Joint-stock Investment Funds (Unit Investment Funds)’ and 0420503 ‘Statement of Growth (Decrease) in Value of Property Held by Joint-stock Investment Funds (Making up Unit Investment Funds)’. The data presented cannot be fully compared with the data for historical periods. 133 134 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.5.5 Insurers’ Premiums and Payoffs by Types of Insurance (millions of rubles) 9 months 2025 2025 insurance insurance payouts payouts Insurance type premiums premiums under under under under insurance insurance insurance insurance contracts contracts contracts contracts 1 2 3 4 5 Voluntary life insurance (excluding pension insurance) — total 1,497,340.8 1,129,838.1 2,246,001.0 1,661,523.0 of which: voluntary life insurance in case of death, reaching a certain age or point of time, or another event — 919,574.4 713,470.3 1,387,095.8 1,036,117.7 total of which: voluntary life insurance in case of death, reaching a certain age or point of time, or another event 824,725.1 656,148.3 1,239,390.9 972,957.5 with a lump‑sum payment of an insurance premium — total of which: investment life insurance — total 67,222.1 86,946.3 122,326.6 127,116.4 of which: for up to 1 year, inclusive 33,268.2 23,258.9 44,701.0 41,189.3 for 1 through 3 years 10,192.3 10,561.5 13,361.3 12,889.5 for 3 through 5 years 641.4 34,315.0 808.0 46,522.0 for 5 through 10 years 63.3 1,771.0 70.6 2,093.9 for over 10 years or for an indefinite period 23,057.0 17,039.9 63,385.8 24,421.7 credit life insurance — total 39,163.8 12,733.3 64,801.3 17,883.7 of which: for up to 1 year, inclusive 8,100.2 4,473.3 17,358.8 6,898.3 for 1 through 3 years 4,938.1 620.1 6,973.1 773.5 for 3 through 5 years 16,550.5 6,145.5 24,744.4 8,163.4 for 5 through 10 years 9,297.3 1,428.1 15,352.2 1,961.0 for over 10 years or for an indefinite period 277.7 66.3 372.8 87.5 endowment life insurance — total 716,535.3 556,069.1 1,049,032.4 827,417.3 of which: for up to 1 year, inclusive 346,770.1 361,835.3 512,051.8 556,678.5 for 1 through 3 years 207,706.6 43,576.9 298,755.8 62,805.0 for 3 through 5 years 133,770.3 135,441.8 199,935.8 183,064.7 for 5 through 10 years 23,064.9 13,128.4 31,249.1 22,619.3 for over 10 years or for an indefinite period 5,223.4 2,086.7 7,039.9 2,249.8 high risk life insurance — total 1,656.3 378.1 697.5 155.1 of which: for up to 1 year, inclusive 531.8 57.1 661.9 85.5 for 1 through 3 years 1,066.9 185.6 39.9 3.0 for 3 through 5 years 53.9 127.6 –8.7 55.1 for 5 through 10 years –0.3 6.2 –0.3 9.5 for over 10 years or for an indefinite period 3.9 1.6 4.7 2.1 other life insurance — total 147.5 21.5 2,533.0 385.1 of which: for up to 1 year, inclusive 60.8 0.9 215.4 44.1 for 1 through 3 years 56.8 1.3 1,659.4 258.3 for 3 through 5 years 0.4 0.0 257.5 20.8 for 5 through 10 years 1.0 0.0 320.4 24.7 for over 10 years or for an indefinite period 28.5 19.3 80.4 37.2 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 135 Table 4.5.5 (cont.) (millions of rubles) 1 2 3 4 5 voluntary life insurance in case of death, reaching a certain age or point of time, or another event 94,849.3 57,322.1 147,704.9 63,160.1 with the payment of an insurance premium in instalments — total of which: investment life insurance — total 527.3 45.5 634.8 106.3 of which: for up to 1 year, inclusive 0.0 0.0 0.0 0.0 for 1 through 3 years 0.0 0.0 0.0 0.0 for 3 through 5 years 517.7 45.3 615.4 106.0 for 5 through 10 years 9.6 0.3 19.4 0.3 for over 10 years or for an indefinite period 0.0 0.0 0.0 0.0 credit life insurance — total 7,971.4 4,806.5 13,279.8 6,747.2 of which: for up to 1 year, inclusive 82.3 74.2 395.7 105.0 for 1 through 3 years 192.3 75.2 250.3 101.8 for 3 through 5 years 374.2 212.2 526.8 285.0 for 5 through 10 years 1,424.7 1,026.6 1,693.3 1,398.5 for over 10 years or for an indefinite period 5,897.9 3,418.2 10,413.7 4,857.0 endowment life insurance — total 83,636.6 51,605.6 130,005.0 55,122.1 of which: for up to 1 year, inclusive 2,082.4 21,185.8 2,120.7 21,320.5 for 1 through 3 years 14,049.0 2,260.8 21,700.2 3,450.0 for 3 through 5 years 42,519.9 14,845.4 74,120.9 13,917.4 for 5 through 10 years 16,370.5 8,377.3 21,709.2 10,326.7 for over 10 years or for an indefinite period 8,614.7 4,936.3 10,353.9 6,107.4 risk life insurance — total 592.5 217.6 769.8 284.5 of which: for up to 1 year, inclusive 78.5 32.8 93.8 45.7 for 1 through 3 years 7.9 25.5 8.0 28.6 for 3 through 5 years 165.6 46.9 209.8 60.1 for 5 through 10 years 6.0 1.2 7.2 1.2 for over 10 years or for an indefinite period 334.5 111.2 451.0 148.9 other life insurance — total 2,121.6 646.8 3,015.5 900.0 of which: for up to 1 year, inclusive 0.4 0.1 20.6 0.1 for 1 through 3 years 1.5 5.1 15.1 5.8 for 3 through 5 years 1.8 0.1 7.3 4.1 for 5 through 10 years 2.8 0.0 42.9 12.9 for over 10 years or for an indefinite period 2,115.2 641.5 2,929.6 877.1 voluntary life insurance with insurance payout in regular instalments (rents, annuities) 577,699.2 416,366.1 858,672.3 625,402.0 and (or) a policyholder’s share in the insurer’s investment income — total of which: voluntary life insurance in case of death, reaching a certain age or point of time, or another event 547,912.3 387,990.8 809,298.3 572,898.5 with a lump-sum payment of an insurance premium– total of which: investment life insurance — total 538,019.4 357,637.0 785,643.3 500,397.8 of which: for up to 1 year, inclusive 87,378.3 46,524.3 99,662.1 76,116.3 for 1 through 3 years 9,914.9 18,960.3 30,104.2 14,676.3 for 3 through 5 years 220,666.7 129,192.0 352,009.1 156,350.3 for 5 through 10 years 3,360.2 12,594.5 10,778.4 17,546.1 for over 10 years or for an indefinite period 216,699.4 150,366.0 293,089.5 235,708.8 credit life insurance — total 571.2 0.0 103.4 0.0 of which: for up to 1 year, inclusive 165.1 0.0 59.9 0.0 136 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.5.5 (cont.) (millions of rubles) 1 2 3 4 5 for 1 through 3 years 405.9 0.0 41.6 0.0 for 3 through 5 years 0.1 0.0 1.9 0.0 for 5 through 10 years 0.0 0.0 0.0 0.0 for over 10 years or for an indefinite period 0.0 0.0 0.0 0.0 endowment life insurance — total 9,210.5 30,308.9 12,340.5 66,105.1 of which: for up to 1 year, inclusive 6,288.9 3,670.0 8,505.6 5,790.6 for 1 through 3 years 1,222.2 10,046.0 2,220.3 23,705.9 for 3 through 5 years 1,233.7 13,041.1 1,116.7 30,963.4 for 5 through 10 years 275.5 3,018.1 293.7 4,834.7 for over 10 years or for an indefinite period 190.2 533.6 204.2 810.5 risk life insurance — total 79.6 0.8 128.0 0.8 of which: for up to 1 year, inclusive 79.4 0.1 127.8 0.1 for 1 through 3 years 0.1 0.2 0.2 0.2 for 3 through 5 years 0.0 0.0 0.0 0.0 for 5 through 10 years 0.0 0.5 0.0 0.5 for over 10 years or for an indefinite period 0.0 0.0 0.0 0.0 other life insurance — total 10.5 9.8 124.7 75.5 of which: for up to 1 year, inclusive 0.0 0.0 42.9 0.0 for 1 through 3 years 7.6 7.2 55.0 10.4 for 3 through 5 years 0.0 0.0 –2.3 33.0 for 5 through 10 years 0.0 0.0 0.0 27.4 for over 10 years or for an indefinite period 3.0 2.6 29.2 4.7 voluntary life insurance in case of death, reaching a certain age or point of time, or another event 29,786.9 28,375.3 49,374.1 52,503.6 with the payment of an insurance premium in instalments — total of which: investment life insurance — total 1,932.8 2,752.7 2,858.1 4,113.2 of which: for up to 1 year, inclusive 0.0 0.0 0.0 0.0 for 1 through 3 years 0.0 0.0 0.0 0.0 for 3 through 5 years 755.9 2,464.6 1,068.6 3,695.2 for 5 through 10 years 1,157.1 278.2 1,762.2 407.3 for over 10 years or for an indefinite period 19.9 9.8 27.3 10.6 credit life insurance — total –3.6 0.8 –3.6 0.8 of which: for up to 1 year, inclusive 0.0 0.0 0.0 0.0 for 1 through 3 years 0.0 0.0 0.0 0.0 for 3 through 5 years 0.0 0.0 0.0 0.0 for 5 through 10 years –3.6 0.8 –3.6 0.8 for over 10 years or for an indefinite period 0.0 0.0 0.0 0.0 endowment life insurance — total 27,502.6 25,558.0 26,651.9 45,433.1 of which: for up to 1 year, inclusive 40.9 43.2 13.1 0.0 for 1 through 3 years 149.2 177.0 181.5 145.5 for 3 through 5 years 12,350.8 6,452.9 4,186.3 17,609.8 for 5 through 10 years 6,395.3 9,903.7 9,819.5 15,346.3 for over 10 years or for an indefinite period 8,566.4 8,981.2 12,451.5 12,331.5 risk life insurance — total 17.8 9.3 22.3 12.4 of which: for up to 1 year, inclusive 2.1 0.0 2.0 0.0 for 1 through 3 years 0.0 0.0 0.0 0.0 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 137 Table 4.5.5 (cont.) (millions of rubles) 1 2 3 4 5 for 3 through 5 years 0.2 0.9 0.2 1.0 for 5 through 10 years 1.0 0.5 1.2 0.8 for over 10 years or for an indefinite period 14.5 7.9 18.9 10.6 other life insurance — total 334.2 54.5 636.5 172.9 of which: for up to 1 year, inclusive 0.0 0.0 122.9 58.8 for 1 through 3 years 0.0 0.0 0.0 0.0 for 3 through 5 years 0.0 0.0 52.5 26.6 for 5 through 10 years 0.2 0.0 –9.7 9.8 for over 10 years or for an indefinite period 333.9 54.5 470.7 77.7 Voluntary pension insurance — total 3,875.7 885.1 7,617.3 1,232.3 of which: voluntary pension insurance with with a lump-sum payment of an insurance premium– total 2,145.4 403.2 5,242.3 568.6 of which: for up to 1 year, inclusive 0.0 0.0 0.0 0.0 for 1 through 3 years 92.7 0.0 940.9 0.0 for 3 through 5 years 273.2 0.1 876.3 0.1 for 5 through 10 years 469.8 4.6 1,221.3 13.9 for over 10 years or for an indefinite period 1,309.7 398.5 2,203.8 554.5 voluntary pension insurance with the payment of an insurance premium in instalments — total 1,730.3 481.9 2,375.0 663.7 of which: for up to 1 year, inclusive 22.0 8.9 22.0 8.9 for 1 through 3 years 20.5 0.0 20.6 0.0 for 3 through 5 years 4.7 2.1 4.3 3.1 for 5 through 10 years 33.9 41.8 39.6 57.9 for over 10 years or for an indefinite period 1,649.2 429.1 2,288.6 593.8 Voluntary personal insurance (excluding life insurance) — total 359,881.0 194,840.1 481,119.8 270,449.2 of which: voluntary accident and sickness insurance — total 118,681.7 26,991.2 157,469.1 37,031.4 of which: voluntary accident and sickness insurance of individuals travelling abroad 4,991.1 2,942.6 7,149.6 4,113.7 voluntary accident and sickness insurance of passengers 2,594.0 21.6 3,503.0 33.7 voluntary accident and sickness insurance of patients participating in clinical trials of medicines 93.3 4.2 125.5 4.8 voluntary accident and sickness insurance by employers of their employees (excluding tax officials) 15,347.2 5,593.3 21,241.9 7,841.7 voluntary accident and sickness insurance of tax officials 30.8 17.5 44.3 26.6 voluntary accident and sickness insurance of other citizens 95,625.3 18,411.9 125,404.7 25,010.9 voluntary medical insurance — total 241,199.3 167,848.9 323,650.7 233,417.8 of which: voluntary medical insurance of individuals travelling abroad 3,654.1 1,824.8 4,828.4 2,902.1 voluntary medical insurance by employers of their employees 191,263.9 150,430.9 258,195.4 209,240.9 voluntary medical insurance of other citizens 46,281.3 15,593.2 60,626.9 21,274.9 Voluntary general property insurance — total 646,513.0 276,255.6 892,732.8 390,441.7 of which: voluntary insurance of property — total 539,607.0 240,979.9 745,641.4 334,258.9 of which: voluntary insurance of land vehicles (excluding railway vehicles) — total 240,695.2 160,330.0 338,831.3 217,486.6 of which: voluntary insurance of motor vehicles 238,584.7 159,434.6 336,002.1 216,364.6 of which: compensation in kind for damage caused 0.0 95,135.0 0.0 129,483.6 voluntary insurance of other land vehicles (excluding railway vehicles) 2,110.5 895.4 2,829.1 1,122.0 of which: compensation in kind for damage caused 0.0 156.6 0.0 181.4 voluntary insurance of railway vehicles 2,340.5 911.5 3,128.6 1,350.8 138 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.5.5 (cont.) (millions of rubles) 1 2 3 4 5 voluntary insurance of aircraft 10,149.5 4,920.8 13,907.0 5,109.8 voluntary insurance of vessels — total 12,844.7 5,370.1 18,363.8 7,462.2 of which: voluntary insurance of sea vessels 11,709.1 4,742.7 16,777.4 5,400.2 voluntary insurance of inland vessels 1,135.6 627.4 1,586.4 2,062.1 voluntary insurance of cargo 37,419.7 8,259.1 49,226.7 10,432.7 voluntary agricultural insurance — total 10,363.8 7,135.1 14,964.8 11,348.3 of which: voluntary government agricultural insurance — total 8,917.7 6,204.7 12,968.9 9,787.2 of which: voluntary agricultural crop insurance 6,133.2 5,631.5 9,153.2 8,820.7 voluntary agricultural insurance of perennial plantings 31.7 46.2 62.7 46.2 voluntary agricultural insurance of livestock 2,716.1 527.0 3,713.6 840.1 voluntary agricultural insurance of commercial aquaculture objects (commercial fishery) 36.7 0.0 39.3 80.1 voluntary non-government agricultural insurance — total 1,446.1 930.3 1,995.9 1,561.1 of which: voluntary agricultural crop insurance 379.4 452.4 519.2 915.2 voluntary agricultural insurance of perennial plantings 25.9 0.0 33.4 0.0 voluntary agricultural insurance of livestock 824.3 388.2 1,075.7 478.5 voluntary agricultural insurance of commercial aquaculture objects (commercial fishery) 216.5 89.7 367.6 167.4 voluntary insurance of other assets of legal entities — total 127,373.8 42,337.2 170,294.4 65,461.5 of which: voluntary insurance of goods in storage 2,437.5 514.4 3,673.9 711.5 voluntary insurance of assets used in construction and installation works 31,666.0 10,250.3 45,586.0 21,083.0 voluntary insurance of other assets of legal entities 93,270.2 31,572.5 121,034.5 43,667.0 voluntary insurance of other assets of individuals — total 98,419.8 11,716.1 136,924.8 15,607.0 of which: voluntary insurance of individuals’ houses 35,438.5 5,233.6 49,100.7 7,080.2 voluntary insurance of household assets 9,268.9 2,233.1 11,900.2 2,826.4 voluntary insurance of other assets of individuals 53,712.4 4,249.4 75,924.0 5,700.4 voluntary insurance of third party liability insurance — total 47,425.1 8,976.7 65,008.5 12,379.1 of which: voluntary third party liability insurance of owners of land vehicles (excluding railway vehicles) — total 4,382.6 1,532.4 6,067.5 2,112.7 of which: voluntary third party liability insurance of owners of motor vehicles (excluding insurance within 3,653.9 1,478.3 5,129.7 2,036.7 the framework of the international insurance system) voluntary third party liability insurance of owners of motor vehicles (insurance within the framework 727.8 54.1 935.2 76.0 of the international insurance system) voluntary third party liability insurance of owners of other land vehicles (excluding railway vehicles) 0.9 0.0 2.7 0.0 voluntary third party liability insurance of owners of railway vehicles 182.4 158.9 184.7 255.9 voluntary third party liability insurance of owners of aircraft 2,818.0 490.7 3,793.1 571.6 voluntary third party liability insurance of owners of vessels — total 12,559.3 1,618.8 17,978.5 1,954.3 of which: voluntary third party liability insurance of owners of sea vessels 11,562.0 1,505.3 16,598.8 1,755.0 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 139 Table 4.5.5 (cont.) (millions of rubles) 1 2 3 4 5 voluntary third party liability insurance of owners of inland vessels 997.3 113.4 1,379.7 199.3 voluntary third party liability insurance of operators of hazardous facilities — total 2,788.0 182.4 3,695.3 237.8 of which: voluntary third party liability insurance of operators of hazardous production facilities 292.5 6.5 536.8 16.5 voluntary third party liability insurance of operators of hydraulic structures 14.1 0.0 16.3 0.0 voluntary third party liability insurance of operators of other hazardous facilities 2,481.4 176.0 3,142.3 221.3 voluntary third party liability insurance for damage caused by defects in goods, works, services — total 2,958.2 746.4 3,825.5 1,077.2 of which: voluntary third party liability insurance of manufacturers and sellers of goods for damage caused by 1,065.5 83.0 1,235.8 98.2 defects in goods, works, services voluntary third party liability insurance of contractors, service providers for damage caused by 1,892.6 663.3 2,589.7 979.0 defects in goods, works, services voluntary third party liability insurance for damage caused — total 20,223.4 3,875.2 27,483.8 5,620.1 of which: voluntary third party liability insurance of organizations engaged in construction and installation 1,770.1 266.4 2,421.0 356.2 works for damage caused voluntary third party liability insurance of public notaries for damage caused 162.1 41.4 195.5 48.9 voluntary third party liability insurance of appraisers for damage caused 86.4 7.3 114.8 8.9 voluntary third party liability insurance of audit organizations and individual auditors 31.2 0.6 40.7 0.6 for damage caused voluntary third party liability insurance of other persons for damage caused 18,173.5 3,559.5 24,711.8 5,205.4 voluntary third party liability insurance for failure to perform or improper performance 1,513.4 372.0 1,980.1 549.5 of contractual obligations — total of which: voluntary third party liability insurance of specialised depositories for failure to perform or improper 0.0 0.0 1.1 0.0 performance of contractual obligations voluntary third party liability insurance of management companies for failure to perform or improper 4.6 0.0 10.4 0.0 performance of contractual obligations voluntary third party liability insurance of customs representatives for failure to perform or improper 4.1 0.1 6.2 0.1 performance of contractual obligations voluntary third party liability insurance of appraisers for failure to perform or improper performance 0.5 0.0 0.7 0.0 of contractual obligations voluntary third party liability insurance of audit organizations and individual auditors for failure 0.1 0.0 0.2 0.0 to perform or improper performance of contractual obligations voluntary third party liability insurance of borrowers under credit/loan agreements for failure 0.0 0.4 0.0 0.4 to perform or improper performance of contractual obligations voluntary third party liability insurance of developers in relation to the transfer of residential premises to participants in equity construction under equity construction agreements for failure to perform 0.0 0.0 0.0 0.0 or improper performance of contractual obligations voluntary third party liability insurance of travel operators under agreements for the sale of tourism 285.8 0.3 362.5 0.3 products for failure to perform or improper performance of contractual obligations voluntary third party liability insurance of other persons for failure to perform or improper 1,218.3 371.2 1,599.0 548.7 performance of contractual obligations voluntary business risk insurance 20,183.4 21,164.9 24,387.7 34,776.2 140 Bank of Russia Statistical Bulletin No. 3 (394) 4. Financial Institutions’ Performance Table 4.5.5 (cont.) (millions of rubles) 1 2 3 4 5 voluntary financial risk insurance — total 39,297.5 5,134.0 57,695.2 9,027.5 of which: voluntary insurance of financial risks of individuals travelling abroad 5,944.3 1,696.0 8,246.8 2,594.3 voluntary insurance of creditors’ financial risks 30.0 0.8 34.3 1.0 voluntary insurance of other persons’ financial risks 33,323.2 3,437.2 49,414.1 6,432.3 Mandatory government life and health insurance of servicemen and similar categories — total 10,274.6 1,961.3 13,241.4 2,751.2 of which: mandatory government life and health insurance of servicemen and citizens called up for military training 3,142.3 1,943.0 3,731.7 2,729.4 mandatory government life and health insurance of internal affairs personnel 4,905.6 10.9 6,540.7 12.9 mandatory government life and health insurance of the State Fire Service personnel 1,042.7 1.0 1,390.3 1.0 mandatory government life and health insurance of the personnel of the institutions and bodies 0.0 3.9 0.0 4.2 of the penal system mandatory government life and health insurance of the national guard personnel 0.0 2.5 0.0 1.2 mandatory government life and health insurance of the personnel of enforcement agencies 1,184.0 0.0 1,578.7 2.6 Mandatory third party liability insurance of owners of vehicles 240,222.7 163,057.2 330,281.7 221,031.8 of which: compensation in kind for damage caused 0.0 9,224.0 0.0 12,066.6 Mandatory third party liability insurance of the owner of a hazardous facility for causing damage 2,252.9 299.2 2,859.7 473.2 as a result of an accident at the hazardous facility — total of which: mandatory third party liability insurance of the owner of a hazardous production facility for causing damage 1,682.8 298.9 2,096.5 443.2 as a result of an accident at the said facility mandatory third party liability insurance of the owner of a hydraulic structure for causing damage 355.7 0.0 479.3 27.7 as a result of an accident at the said structure mandatory third party liability insurance of the owner of a liquid motor fuel station for causing damage 35.1 0.0 43.8 0.0 as a result of an accident at the said station mandatory third party liability insurance of the owner of a lift, lift platform for the disabled, escalator (excluding escalators in metro stations), a passenger conveyor (moving walkway) for causing damage 179.3 0.3 240.1 2.3 as a result of an accident thereon Mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health and 2,019.1 762.9 2,760.2 1,038.0 assets — total of which: mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 76.3 50.9 76.7 61.6 and assets during transportation by rail — total of which: mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 50.8 45.7 50.8 53.3 and assets when travelling by long-distance trains mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 25.4 5.2 25.9 8.3 and assets when travelling by suburban trains mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 30.0 60.8 45.4 80.7 and assets during transportation by air — total of which: mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 13.0 54.7 17.9 74.7 and assets during transportation by aircraft mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 17.0 6.1 27.4 6.1 and assets during transportation by helicopters 4. Financial Institutions’ Performance Bank of Russia Statistical Bulletin No. 3 (394) 141 Table 4.5.5 (end) (millions of rubles) 1 2 3 4 5 mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 22.3 0.6 24.5 2.6 and assets during transportation by sea vessels mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 51.6 3.4 57.9 4.2 and assets during transportation by inland vessels — total of which: mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health and assets during transportation by suburban, in-city, sightseeing, transit and local transport routes 44.9 3.0 51.1 3.5 and crossings mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 6.6 0.4 6.8 0.7 and assets on tourist travel routes mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 1,419.0 569.9 1,806.5 780.8 and assets during transportation by motor vehicles — total of which: mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 516.7 158.6 650.0 226.7 and assets during long-distance and international bus services mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 318.7 154.7 380.8 207.9 and assets during suburban bus services mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health and assets during urban bus services in accordance with orders and regular bus services in urban traffic 234.4 48.9 315.0 66.0 with passenger pick-up and drop-off in any places not prohibited by traffic regulations on regular transportation routes mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health and assets in regular urban bus services with passenger pick-up and drop-off only at established 349.2 207.7 460.6 280.2 stopping points along regular transportation routes mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 60.2 23.8 67.1 31.5 and assets during transportation by trolleybuses mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 36.2 22.5 38.4 26.0 and assets during transportation by trams mandatory third party liability insurance of a carrier for causing damage to passengers’ life, health 0.0 0.0 0.0 0.0 and assets during off-street transportation Collection of funds based on court judgements. 0.0 –188.0 0.0 –221.0 5. SELECTED INDICATORS ON THE RUSSIAN FEDERATION’S PAYMENT SYSTEM 142 Table 5.1 Selected Indicators on Payment Card Transactions1 No. 3 (394) Bank of Russia Statistical Bulletin Individuals of which number of payment of which Period number of payment total value cards as of end cashless transactions, cards in use3, of transactions, cash withdrawals, mandatory payments of period2, total, payments for goods transfers millions of units billions of rubles billions of rubles to government other transactions, millions of units billions of rubles (works, services), to individuals, (including customs duties), billions of rubles billions of rubles billions of rubles billions of rubles 1 2 3 4 5 6 7 8 9 10 2024 507.9 410.2 163,414.9 35,541.8 127,873.1 58,327.4 401.9 64,358.9 4,785.0 2025 535.2 390.7 149,462.5 34,200.2 115,262.4 56,563.0 511.6 53,994.0 4,193.8 2024 Q1 463.9 267.0 38,785.7 8,281.9 30,503.9 13,388.4 72.6 15,913.9 1,128.9 Q2 477.0 315.8 41,440.5 8,980.4 32,460.1 14,561.2 68.0 16,630.6 1,200.3 Q3 495.2 370.8 41,796.7 8,998.6 32,798.1 15,487.3 82.3 16,074.6 1,154.0 Q4 507.9 410.2 41,392.0 9,281.0 32,111.0 14,890.4 179.1 15,739.8 1,301.8 2025 Q1 517.5 275.0 34,353.9 7,578.6 26,775.3 13,210.6 66.7 12,443.7 1,054.4 Q2 523.4 321.1 38,143.8 8,555.4 29,588.4 14,277.2 88.5 14,238.2 984.5 Q3 526.1 359.9 38,293.7 8,984.9 29,308.8 14,520.5 121.2 13,653.8 1,013.4 Q4 535.2 390.7 38,671.1 9,081.3 29,589.8 14,554.7 235.2 13,658.3 1,141.6 Russian Federation’s Payment System 5. Selected Indicators on the Table 5.1 (end) Russian Federation’s Payment System 5. Selected Indicators on the Legal entities of which number of payment of which Period number of payment total value cards as of end cashless transactions, cards in use3, of transactions, cash withdrawals, mandatory payments of period2, total, payments for goods transfers millions of units billions of rubles billions of rubles to government other transactions, millions of units billions of rubles (works, services), to individuals, (including customs duties), billions of rubles billions of rubles billions of rubles billions of rubles 1 11 12 13 14 15 16 17 18 19 2024 7.9 5.0 4,976.2 1,845.5 3,130.7 1,779.6 909.8 439.9 1.4 2025 9.6 5.5 4,902.4 1,772.1 3,130.3 1,936.7 851.7 340.4 1.5 2024 Q1 6.9 2.6 1,113.2 403.0 710.3 387.4 220.2 102.4 0.3 Q2 6.9 3.3 1,172.5 428.5 744.0 427.5 196.6 119.5 0.4 Q3 7.5 4.1 1,289.3 482.6 806.8 463.8 227.8 114.8 0.4 Q4 7.9 5.0 1,401.1 531.4 869.7 500.9 265.2 103.2 0.4 2025 Q1 8.2 3.0 1,133.3 396.4 736.9 413.4 250.3 72.9 0.4 Q2 8.6 4.0 1,142.8 419.9 722.9 467.3 170.9 84.4 0.3 Q3 9.0 4.8 1,247.6 455.8 791.8 508.2 191.0 92.2 0.3 Q4 9.6 5.5 1,378.7 500.0 878.7 547.8 239.5 91.0 0.5 1 Including data on the volume of debit and credit cards and the value of transactions with them. Not including data on prepaid cards. 2 Data on the number of issued payment cards are indicated as of the first date of a month, following the reporting quarter (year). Bank of Russia Statistical Bulletin 3 Including data on the number of payment cards used to conduct at least one transaction during a year. Note. Certain discrepancies between the total and the sum of components are due to the rounding of data. 143 No. 3 (394) Table 5.2 144 Structure of Funds Transfers Carried Out Through the BRPS of which Total funds transfers carried out by credit institutions (branches) carried out by customers other than credit institutions Bank of Russia payments No. 3 (394) Bank of Russia Statistical Bulletin Period number, value, number, value, number, value, number, value, millions of units billions of rubles millions of units billions of rubles millions of units billions of rubles millions of units billions of rubles 1 2 3 4 5 6 7 8 9 2024 15,114.8 4,573,932.8 14,656.6 3,019,996.0 458.0 574,504.2 0.22 979,432.7 2025 19,979.6 4,854,107.9 19,498.4 3,155,684.6 481.0 579,147.8 0.19 1,119,275.5 2024 Q1 2,883.8 891,700.3 2,783.3 617,214.3 100.4 113,550.2 0.05 160,935.9 Q2 3,601.0 1,034,962.3 3,486.7 695,043.0 114.3 137,512.8 0.05 202,406.5 Q3 4,002.1 1,253,693.4 3,894.2 808,512.9 107.9 144,886.3 0.06 300,294.2 Q4 4,627.9 1,393,576.8 4,492.4 899,225.8 135.4 178,554.9 0.06 315,796.1 2025 Q1 4,521.1 1,094,162.1 4,413.9 733,170.2 107.2 125,723.4 0.05 235,268.5 Q2 5,041.7 1,148,462.4 4,917.9 740,533.0 123.7 136,646.9 0.05 271,282.4 Q3 5,013.3 1,258,913.7 4,898.6 795,019.9 114.6 148,360.8 0.05 315,533.0 Q4 5,403.6 1,352,569.8 5,268.0 886,961.5 135.5 168,416.7 0.04 297,191.6 Note. Certain discrepancies between the total and the sum of components are due to the rounding of data. Russian Federation’s Payment System 5. Selected Indicators on the 6. Regional Section Bank of Russia Statistical Bulletin No. 3 (394) 145 6. REGIONAL SECTION 6.1. Institutional Characteristics Table 6.1.1 Number of Credit Institutions with Nonresidents Equity (units) With a banking licence issued by the Bank of Russia1 Credit institutions universal basic with nonresidents equity, for non-bank total providing the right providing the right total to accept funds total to accept funds credit institutions of individuals of individuals THE RUSSIAN FEDERATION 31.12.2024 87 75 66 7 7 5 30.09.2025 86 72 64 8 8 6 31.12.2025 85 72 64 8 8 5 CENTRAL FEDERAL DISTRICT 31.12.2024 63 57 48 1 1 5 30.09.2025 61 54 46 1 1 6 31.12.2025 60 54 46 1 1 5 Moscow and Moscow Region 31.12.2024 62 56 47 1 1 5 30.09.2025 60 53 45 1 1 6 31.12.2025 59 53 45 1 1 5 NORTH-WESTERN FEDERAL DISTRICT 31.12.2024 6 6 6 — — — 30.09.2025 6 6 6 — — — 31.12.2025 6 6 6 — — — SOUTHERN FEDERAL DISTRICT 31.12.2024 3 1 1 2 2 — 30.09.2025 3 1 1 2 2 — 31.12.2025 3 1 1 2 2 — NORTH CAUCASIAN FEDERAL DISTRICT 31.12.2024 1 — — 1 1 — 30.09.2025 1 — — 1 1 — 31.12.2025 1 — — 1 1 — VOLGA FEDERAL DISTRICT 31.12.2024 5 4 4 1 1 — 30.09.2025 5 4 4 1 1 — 31.12.2025 5 4 4 1 1 — URALS FEDERAL DISTRICT 31.12.2024 3 3 3 — — — 30.09.2025 4 3 3 1 1 — 31.12.2025 4 3 3 1 1 — SIBERIAN FEDERAL DISTRICT 31.12.2024 2 1 1 1 1 — 30.09.2025 2 1 1 1 1 — 31.12.2025 2 1 1 1 1 — FAR-EASTERN FEDERAL DISTRICT 31.12.2024 4 3 3 1 1 — 30.09.2025 4 3 3 1 1 — 31.12.2025 4 3 3 1 1 — 1 Data are grouped by type of licence issued in compliance with Federal Law No. 92-FZ, dated 1 May 2017, ‘On Amending Certain Laws of the Russian Federation’. 146 Bank of Russia Statistical Bulletin No. 3 (394) 6. Regional Section Table 6.1.2 Credit Institutions Grouped by the Share of Nonresidents Equity (units) More then 1% More then 20% More then 50%, Up to including 1% 100% up to including 20% up to including 50% but less then 100% THE RUSSIAN FEDERATION 31.12.2024 20 12 8 11 36 30.09.2025 19 11 8 8 40 31.12.2025 19 12 7 8 39 CENTRAL FEDERAL DISTRICT 31.12.2024 13 4 4 8 34 30.09.2025 12 3 4 4 38 31.12.2025 12 3 4 4 37 Moscow and Moscow Region 31.12.2024 13 3 4 8 34 30.09.2025 12 2 4 4 38 31.12.2025 12 2 4 4 37 NORTH-WESTERN FEDERAL DISTRICT 31.12.2024 3 1 1 — 1 30.09.2025 3 1 1 — 1 31.12.2025 3 1 1 — 1 SOUTHERN FEDERAL DISTRICT 31.12.2024 — 1 1 1 — 30.09.2025 — 1 1 1 — 31.12.2025 — 2 — 1 — NORTH CAUCASIAN FEDERAL DISTRICT 31.12.2024 1 — — — — 30.09.2025 1 — — — — 31.12.2025 1 — — — — VOLGA FEDERAL DISTRICT 31.12.2024 2 1 1 1 — 30.09.2025 2 1 1 1 — 31.12.2025 2 1 1 1 — URALS FEDERAL DISTRICT 31.12.2024 1 2 — — — 30.09.2025 1 2 — 1 — 31.12.2025 1 2 — 1 — SIBERIAN FEDERAL DISTRICT 31.12.2024 — 2 — — — 30.09.2025 — 2 — — — 31.12.2025 — 2 — — — FAR-EASTERN FEDERAL DISTRICT 31.12.2024 — 1 1 1 1 30.09.2025 — 1 1 1 1 31.12.2025 — 1 1 1 1 Table 6.1.3 6. Regional Section Number and Volume of Issues (Additional Issues) of Russian Currency-Denominated Issue-Grade Securities of Russian Issuers (Including Credit Institutions) Q4 2025 of which by types number of registered issues volume of registered issues (additional issues) (additional issues) number volume number volume of issue-grade securities — of issue-grade securities — of registered issues of registered issues of registered issues of registered issues total, total, (additional issues) (additional issues) (additional issues) (additional issues) units millions of rubles of shares, of shares, of bonds, of bonds, units millions of rubles units millions of rubles 1 2 3 4 5 6 7 THE RUSSIAN FEDERATION 839 37,554,188.97 311 1,349,324.37 528 36,204,864.60 CENTRAL FEDERAL DISTRICT 624 36,629,405.92 136 506,617.24 488 36,122,788.68 Belgorod Region 2 819.50 2 819.50 — — Bryansk Region 1 17.16 1 17.16 — — Vladimir Region — — — — — — Voronezh Region 7 3,709.29 7 3,709.29 — — Ivanovo Region 2 400.00 1 100.00 1 300.00 Kaluga Region 1 0.01 1 0.01 — — Kostroma Region 5 300.12 2 0.12 3 300.00 Kursk Region 1 1.00 1 1.00 — — Lipetsk Region — — — — — — Moscow Region 17 31,985.33 15 27,985.33 2 4,000.00 Orel Region 2 139.06 2 139.06 — — Ryazan Region 2 507.17 2 507.17 — — Bank of Russia Statistical Bulletin Smolensk Region — — — — — — Tambov Region — — — — — — Tver Region 4 957.75 4 957.75 — — Tula Region 1 5.00 1 5.00 — — Yaroslavl Region 6 216,498.14 6 216,498.14 — — Moscow 573 36,374,066.40 91 255,877.72 482 36,118,188.68 No. 3 (394) NORTH-WESTERN FEDERAL DISTRICT 81 820,095.19 48 750,927.19 33 69,168.00 Republic of Karelia — — — — — — Republic of Komi 2 3.99 2 3.99 — — Arkhangelsk Region 3 7,640.04 3 7,640.04 — — Nenets Autonomous Area 1 8.00 1 8.00 — — 147 Arkhangelsk Region, excluding Nenets Autonomous Area 2 7,632.04 2 7,632.04 — — Table 6.1.3 (cont.) 148 1 2 3 4 5 6 7 Vologda Region 4 19,291.66 4 19,291.66 — — Kaliningrad Region 6 2,110.10 6 2,110.10 — — Leningrad Region 1 318.04 1 318.04 — — No. 3 (394) Bank of Russia Statistical Bulletin Murmansk Region 2 831.76 2 831.76 — — Novgorod Region — — — — — — Pskov Region 1 645.46 1 645.46 — — Saint Petersburg 62 789,254.14 29 720,086.14 33 69,168.00 SOUTHERN FEDERAL DISTRICT 24 37,048.50 24 37,048.50 — — Republic of Adygeya (Adygeya) — — — — — — Republic of Kalmykia — — — — — — Republic of Crimea 9 15,753.37 9 15,753.37 — — Krasnodar Territory 1 0.20 1 0.20 — — Astrakhan Region 2 7,089.49 2 7,089.49 — — Volgograd Region — — — — — — Rostov Region 10 12,171.07 10 12,171.07 — — Sevastopol 2 2,034.37 2 2,034.37 — — NORTH CAUCASIAN FEDERAL DISTRICT 3 1,614.51 3 1,614.51 — — Republic of Daghestan — — — — — — Republic of Ingushetia — — — — — — Kabardino­-Balkar Republic 1 200.00 1 200.00 — — Karachay-­Cherkess Republic — — — — — — Republic of North Ossetia — Alania 1 26.69 1 26.69 — — Chechen Republic 1 1,387.82 1 1,387.82 — — Stavropol Territory — — — — — — VOLGA FEDERAL DISTRICT 44 14,406.70 44 14,406.70 — — Republic of Bashkortostan 4 435.97 4 435.97 — — Mari El Republic 1 42.89 1 42.89 — — Republic of Mordovia 2 39.03 2 39.03 — — Republic of Tatarstan (Tatarstan) 10 2,987.44 10 2,987.44 — — Udmurt Republic 2 1.31 2 1.31 — — Chuvash Republic — Chuvashia 2 0.46 2 0.46 — — Perm Territory 2 6,762.24 2 6,762.24 — — Kirov Region 1 2.90 1 2.90 — — 6. Regional Section Nizhny Novgorod Region 5 2,229.28 5 2,229.28 — — Orenburg Region — — — — — — Penza Region 3 109.42 3 109.42 — — Samara Region 5 1,264.40 5 1,264.40 — — Saratov Region 2 154.03 2 154.03 — — Table 6.1.3 (end) 6. Regional Section 1 2 3 4 5 6 7 Ulyanovsk Region 5 377.33 5 377.33 — — URALS FEDERAL DISTRICT 27 29,197.86 21 16,309.94 6 12,887.92 Kurgan Region 1 42.87 1 42.87 — — Sverdlovsk Region 12 6,247.12 7 1,247.12 5 5,000.00 Tyumen Region 12 22,902.90 11 15,014.98 1 7,887.92 Khanty­-Mansi Autonomous Area — Yugra 4 7,299.07 4 7,299.07 — — Yamal­-Nenets Autonomous Area 6 15,601.54 5 7,713.62 1 7,887.92 Tyumen Region, excluding Khanty-­Mansi Autonomous Area — 2 2.29 2 2.29 — — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 2 4.97 2 4.97 — — SIBERIAN FEDERAL DISTRICT 19 976.23 19 976.23 — — Altai Republic — — — — — — Republic of Tuva — — — — — — Republic of Khakassia — — — — — — Altai Territory 1 1.83 1 1.83 — — Krasnoyarsk Territory 4 210.57 4 210.57 — — Irkutsk Region 2 216.28 2 216.28 — — Kemerovo Region — Kuzbass 1 210.29 1 210.29 — — Novosibirsk Region 7 67.22 7 67.22 — — Omsk Region 4 270.04 4 270.04 — — Tomsk Region — — — — — — FAR-EASTERN FEDERAL DISTRICT 17 21,444.06 16 21,424.06 1 20.00 Republic of Buryatia 1 12.50 1 12.50 — — Bank of Russia Statistical Bulletin Republic of Sakha (Yakutia) 1 144.73 1 144.73 — — Trans­-Baikal Territory 1 60.00 1 60.00 — — Kamchatka Territory 1 22.37 1 22.37 — — Primorye Territory 7 8,390.37 6 8,370.37 1 20.00 Khabarovsk Territory 1 94.66 1 94.66 — — Amur Region — — — — — — No. 3 (394) Magadan Region — — — — — — Sakhalin Region 4 2,975.65 4 2,975.65 — — Jewish Autonomous Region — — — — — — Chukotka Autonomous Area 1 9,743.79 1 9,743.79 — — Note. Certain discrepancies between the total and the sum of components are due to the rounding of data. 149 150 Bank of Russia Statistical Bulletin No. 3 (394) 6. Regional Section Table 6.1.4 Number and Volume of Issues (Additional Issues) of Foreign Currency-Denominated Bonds of Russian Issuers (Including Bonds of Credit institutions) Q4 2025 number of registered issues volume of registered issues currency type (additional issues) of bonds, (additional issues) of bonds, units millions of foreign currency 1 2 3 4 THE RUSSIAN FEDERATION US dollar 5 60.00 CENTRAL FEDERAL DISTRICT US dollar 5 60.00 Belgorod Region — — Bryansk Region — — Vladimir Region — — Voronezh Region — — Ivanovo Region — — Kaluga Region — — Kostroma Region — — Kursk Region — — Lipetsk Region — — Moscow Region — — Orel Region — — Ryazan Region — — Smolensk Region — — Tambov Region — — Tver Region — — Tula Region — — Yaroslavl Region — — Moscow US dollar 5 60.00 NORTH-WESTERN FEDERAL DISTRICT — — Republic of Karelia — — Republic of Komi — — Arkhangelsk Region — — Nenets Autonomous Area — — Arkhangelsk Region, excluding Nenets Autonomous Area — — Vologda Region — — Kaliningrad Region — — Leningrad Region — — Murmansk Region — — Novgorod Region — — Pskov Region — — Saint Petersburg — — SOUTHERN FEDERAL DISTRICT — — Republic of Adygeya (Adygeya) — — Republic of Kalmykia — — Republic of Crimea — — Krasnodar Territory — — Astrakhan Region — — Volgograd Region — — Rostov Region — — Sevastopol — — 6. Regional Section Bank of Russia Statistical Bulletin No. 3 (394) 151 Table 6.1.4 (end) 1 2 3 4 NORTH CAUCASIAN FEDERAL DISTRICT — — Republic of Daghestan — — Republic of Ingushetia — — Kabardino­-Balkar Republic — — Karachay-­Cherkess Republic — — Republic of North Ossetia — Alania — — Chechen Republic — — Stavropol Territory — — VOLGA FEDERAL DISTRICT — — Republic of Bashkortostan — — Mari El Republic — — Republic of Mordovia — — Republic of Tatarstan (Tatarstan) — — Udmurt Republic — — Chuvash Republic — Chuvashia — — Perm Territory — — Kirov Region — — Nizhny Novgorod Region — — Orenburg Region — — Penza Region — — Samara Region — — Saratov Region — — Ulyanovsk Region — — URALS FEDERAL DISTRICT — — Kurgan Region — — Sverdlovsk Region — — Tyumen Region — — Khanty­-Mansi Autonomous Area — Yugra — — Yamal­-Nenets Autonomous Area — — Tyumen Region, excluding Khanty-­Mansi Autonomous Area — — — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region — — SIBERIAN FEDERAL DISTRICT — — Altai Republic — — Republic of Tuva — — Republic of Khakassia — — Altai Territory — — Krasnoyarsk Territory — — Irkutsk Region — — Kemerovo Region — Kuzbass — — Novosibirsk Region — — Omsk Region — — Tomsk Region — — FAR-EASTERN FEDERAL DISTRICT — — Republic of Buryatia — — Republic of Sakha (Yakutia) — — Trans­-Baikal Territory — — Kamchatka Territory — — Primorye Territory — — Khabarovsk Territory — — Amur Region — — Magadan Region — — Sakhalin Region — — Jewish Autonomous Region — — Chukotka Autonomous Area — — 6.2. Borrowings 152 Table 6.2.1 Rublе, Foreign Currency and Precious Metals-Denominated Funds of Organizations, Deposits and Other Funds of Legal Entities and Individuals1 No. 3 (394) Bank of Russia Statistical Bulletin (millions of rubles) 28.02.2026 Customer funds, total of which deposits and other funds funds of organizations deposits of legal entities2 escrow account funds in foreign currency of individuals3 in rubles and precious in foreign currency in foreign currency in foreign currency in foreign currency metals in rubles and precious in rubles and precious in rubles and precious in rubles and precious metals metals metals metals 1 2 3 4 5 6 7 8 9 10 11 THE RUSSIAN FEDERATION 134,248,038 14,029,764 20,603,751 2,056,921 34,655,659 8,017,192 62,255,219 3,357,235 7,159,416 0 CENTRAL FEDERAL DISTRICT 79,848,273 11,961,822 13,493,068 1,590,378 25,848,674 7,681,661 29,129,299 2,165,043 3,786,960 0 Belgorod Region 708,470 35,883 55,996 12,885 87,556 12,558 504,674 9,367 35,004 0 Bryansk Region 406,555 10,514 30,915 2,612 43,506 1,457 295,364 6,223 19,700 0 Vladimir Region 619,793 12,110 70,618 1,903 61,235 179 443,938 9,695 23,893 0 Voronezh Region 1,254,782 57,089 118,773 8,281 222,688 10,088 824,072 23,313 48,303 0 Ivanovo Region 365,042 9,195 20,164 1,264 32,300 79 281,643 7,619 12,704 0 Kaluga Region 550,050 15,076 66,725 2,608 77,282 2,027 356,418 8,707 18,881 0 Kostroma Region 442,942 9,457 17,507 4,186 192,509 426 213,860 4,746 8,587 0 Kursk Region 492,589 15,796 26,584 1,412 68,494 104 338,924 11,326 26,932 0 Lipetsk Region 511,006 12,703 54,642 3,124 100,307 593 318,370 8,784 21,366 0 Moscow Region 5,336,327 194,754 619,749 24,792 627,569 70,701 3,529,843 92,556 398,460 0 Orel Region 260,381 5,094 20,413 1,621 38,247 3 183,856 3,348 9,671 0 Ryazan Region 561,072 12,870 67,500 608 50,199 4,232 375,403 7,754 47,969 0 Smolensk Region 358,706 9,558 41,150 1,964 36,729 838 253,601 6,434 14,682 0 Tambov Region 344,107 5,113 38,499 670 41,438 100 237,294 3,905 11,144 0 Tver Region 531,625 10,105 47,026 1,278 74,504 11 378,214 8,577 16,638 0 6. Regional Section Tula Region 775,510 13,180 122,907 2,723 108,743 159 472,395 9,823 51,129 0 Yaroslavl Region 710,022 20,847 89,292 4,480 102,207 2,164 475,938 13,789 26,485 0 Moscow 65,619,292 11,512,475 11,984,607 1,513,968 23,883,161 7,575,943 19,645,491 1,929,078 2,995,413 0 Table 6.2.1 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 NORTH-WESTERN FEDERAL DISTRICT 13,112,938 663,712 2,017,840 146,726 1,987,263 150,427 8,009,761 334,224 725,487 0 Republic of Karelia 244,882 9,381 13,949 4,600 16,622 443 195,429 4,231 9,293 0 Republic of Komi 333,782 11,031 21,343 2,621 15,631 0 275,119 8,254 13,521 0 Arkhangelsk Region 519,294 9,078 51,912 154 28,527 5 391,096 8,680 36,384 0 Nenets Autonomous Area 32,997 566 1,236 0 709 0 22,015 563 8,318 0 Arkhangelsk Region, 486,297 8,512 50,676 154 27,819 5 369,081 8,118 28,067 0 excluding Nenets Autonomous Area Vologda Region 584,368 31,368 45,084 13,286 118,182 7,150 383,794 10,687 19,681 0 Kaliningrad Region 633,762 28,550 59,391 10,429 69,818 600 443,206 16,605 38,926 0 Leningrad Region 660,119 10,278 36,022 2,201 159,276 493 422,207 7,189 28,652 0 Murmansk Region 480,382 43,073 29,150 9,145 33,241 2,882 361,088 11,316 21,661 0 Novgorod Region 238,620 5,488 41,831 887 21,899 101 161,287 4,417 7,726 0 Pskov Region 209,659 3,974 13,791 272 25,046 134 155,538 3,503 9,192 0 Saint Petersburg 9,208,070 511,490 1,705,367 103,131 1,499,019 138,618 5,220,997 259,341 540,451 0 SOUTHERN FEDERAL DISTRICT 6,994,846 204,028 734,278 25,503 976,684 63,713 4,373,286 108,446 551,308 0 Republic of Adygeya (Adygeya) 85,287 1,204 3,199 8 3,887 0 60,726 1,150 12,419 0 Republic of Kalmykia 41,260 524 1,598 0 1,030 0 27,695 474 7,640 0 Republic of Crimea 489,005 1,700 69,373 57 33,377 0 311,504 1,505 31,788 0 Krasnodar Territory 3,215,496 114,846 269,624 9,860 687,714 58,210 1,845,874 44,581 243,081 0 Astrakhan Region 283,137 5,890 19,850 1,495 17,891 182 191,971 4,065 42,965 0 Bank of Russia Statistical Bulletin Volgograd Region 776,544 21,614 72,717 6,186 51,649 885 580,429 14,171 40,878 0 Rostov Region 1,953,005 57,519 285,369 7,877 170,654 4,436 1,243,769 41,826 163,584 0 Sevastopol 151,111 731 12,547 19 10,482 0 111,318 673 8,952 0 NORTH CAUCASIAN FEDERAL DISTRICT 1,598,714 24,730 265,478 1,773 126,382 565 1,007,340 20,370 124,257 0 Republic of Daghestan 228,499 1,788 16,890 113 8,602 268 166,980 1,292 23,161 0 Republic of Ingushetia 14,437 309 2,101 4 57 0 10,224 300 1,497 0 No. 3 (394) Kabardino­-Balkar Republic 109,511 1,864 7,517 196 16,434 0 73,356 1,615 8,230 0 Karachay-­Cherkess Republic 46,711 594 2,946 0 1,429 0 33,514 574 6,063 0 Republic of North Ossetia — Alania 123,193 1,417 7,606 47 3,825 0 92,838 1,333 14,812 0 Chechen Republic 195,621 227 131,316 27 13,585 0 39,815 180 4,872 0 Stavropol Territory 880,743 18,532 97,103 1,387 82,451 297 590,613 15,077 65,621 0 153 Table 6.2.1 (cont.) 154 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 VOLGA FEDERAL DISTRICT 14,147,729 381,512 1,955,740 74,124 2,326,686 45,666 8,563,055 250,173 763,015 0 Republic of Bashkortostan 1,276,036 25,954 98,529 3,479 123,407 1,173 887,581 20,558 123,356 0 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 229,982 2,956 13,951 217 31,790 252 163,113 2,380 14,598 0 Republic of Mordovia 237,353 7,209 15,344 1,545 28,416 1,256 174,046 3,016 11,472 0 Republic of Tatarstan (Tatarstan) 3,051,558 66,195 613,048 12,804 767,641 16,256 1,333,235 36,012 180,610 0 Udmurt Republic 755,223 14,063 201,497 5,080 88,224 171 403,539 8,436 36,380 0 Chuvash Republic — Chuvashia 616,183 8,385 64,691 841 143,127 684 350,299 6,639 42,172 0 Perm Territory 1,175,485 37,021 163,087 5,404 161,807 5,599 751,811 25,467 56,184 0 Kirov Region 492,731 8,137 58,527 1,831 48,342 475 338,659 5,596 23,443 0 Nizhny Novgorod Region 1,948,038 54,817 257,707 12,613 309,526 4,159 1,239,389 36,269 76,930 0 Orenburg Region 599,333 11,641 56,374 3,004 57,953 0 426,210 8,472 30,162 0 Penza Region 511,361 7,127 49,351 725 53,573 34 345,333 6,214 39,499 0 Samara Region 1,949,082 108,507 221,623 19,973 394,152 12,951 1,213,113 71,465 77,760 0 Saratov Region 849,418 15,583 69,026 2,067 81,080 571 625,898 12,546 30,946 0 Ulyanovsk Region 455,945 13,916 72,985 4,539 37,646 2,085 310,827 7,103 19,503 0 URALS FEDERAL DISTRICT 7,805,017 386,928 958,696 50,617 2,067,877 18,112 4,096,518 307,759 473,953 0 Kurgan Region 201,544 3,324 12,531 419 13,773 0 154,597 2,854 12,825 0 Sverdlovsk Region 2,823,996 94,474 538,229 40,064 423,115 3,293 1,571,335 45,478 208,768 0 Tyumen Region 3,239,455 244,388 186,144 1,444 1,411,250 10,256 1,401,198 231,338 175,590 0 Khanty­-Mansi Autonomous Area — Yugra 2,053,125 223,329 73,530 827 1,262,474 6,572 619,487 215,472 70,749 0 Yamal­-Nenets Autonomous Area 354,584 4,951 25,220 10 33,834 47 251,767 4,782 33,232 0 Tyumen Region, excluding Khanty-­Mansi Autonomous Area — Yugra and Yamal­-Nenets 831,746 16,108 87,395 607 114,942 3,637 529,945 11,083 71,609 0 Autonomous Area Chelyabinsk Region 1,540,021 44,742 221,792 8,690 219,739 4,563 969,388 28,089 76,769 0 SIBERIAN FEDERAL DISTRICT 6,623,318 217,669 772,251 59,690 851,729 46,868 4,391,363 105,684 367,541 0 Altai Republic 54,170 434 9,857 62 14,654 0 24,656 341 3,277 0 Republic of Tuva 40,274 381 1,554 39 1,672 0 20,859 331 14,920 0 6. Regional Section Republic of Khakassia 136,481 6,033 11,921 1,882 7,946 0 101,028 4,110 7,736 0 Altai Territory 693,764 22,243 63,068 4,905 92,530 7,287 469,400 9,390 38,455 0 Table 6.2.1 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 Krasnoyarsk Territory 1,239,300 35,597 140,537 8,515 170,917 10,783 814,465 15,684 68,973 0 Irkutsk Region 915,508 30,906 106,409 13,191 107,439 2,168 618,731 15,099 49,499 0 Kemerovo Region — Kuzbass 782,257 21,532 75,374 4,904 83,464 3,306 564,252 13,092 36,453 0 Novosibirsk Region 1,670,889 72,177 244,013 20,518 271,453 19,625 994,679 29,910 101,905 0 Omsk Region 680,773 16,680 78,092 4,710 55,764 1,184 487,313 9,761 31,724 0 Tomsk Region 409,902 11,687 41,427 963 45,890 2,516 295,981 7,966 14,598 0 FAR-EASTERN FEDERAL DISTRICT 4,117,203 189,363 406,400 108,111 470,364 10,180 2,684,595 65,537 366,894 0 Republic of Buryatia 252,774 4,212 18,034 1,232 12,339 53 171,957 2,517 38,319 0 Republic of Sakha (Yakutia) 381,291 10,226 43,412 4,607 39,400 1,139 236,186 4,359 39,417 0 Trans­-Baikal Territory 327,630 11,909 34,594 8,557 23,301 29 220,595 3,200 36,227 0 Kamchatka Territory 237,092 7,780 21,468 4,520 36,959 5 154,400 3,168 13,067 0 Primorye Territory 1,160,924 56,330 108,842 27,953 135,434 1,599 749,422 25,860 123,249 0 Khabarovsk Territory 776,657 25,173 89,389 9,909 69,620 2,552 506,736 12,382 72,989 0 Amur Region 430,916 34,410 32,481 24,084 97,871 3,686 260,297 3,456 19,140 0 Magadan Region 119,802 21,384 11,931 17,892 14,055 0 83,751 3,376 4,376 0 Sakhalin Region 348,049 16,688 36,987 9,254 38,064 1,116 240,757 6,082 15,601 0 Jewish Autonomous Region 45,600 564 2,620 45 1,739 0 36,592 510 3,002 0 Chukotka Autonomous Area 36,466 686 6,642 57 1,582 0 23,903 628 1,508 0 OUTSIDE THE RUSSIAN FEDERATION 17,300 157,431 11,794 152,380 2 298 5,414 177 0 0 Bank of Russia Statistical Bulletin 1 Including the State Development Corporation VEB.RF. 2 Excluding funds of individual entrepreneurs. 3 Excluding escrow account funds. Note. Certain discrepancies between the total and the sum of components are due to the rounding of data. 155 No. 3 (394) 156 Bank of Russia Statistical Bulletin No. 3 (394) 6. Regional Section Table 6.2.2 Funds of Individual Entrepreneurs (millions of rubles) 28.02.2026 in foreign currency Total in rubles and precious metals 1 2 3 4 THE RUSSIAN FEDERATION 2,707,060 2,680,586 26,474 CENTRAL FEDERAL DISTRICT 1,114,512 1,105,192 9,321 Belgorod Region 23,890 23,823 67 Bryansk Region 15,875 15,790 85 Vladimir Region 19,444 19,282 163 Voronezh Region 36,613 36,463 150 Ivanovo Region 17,095 17,030 65 Kaluga Region 13,212 13,183 30 Kostroma Region 10,154 10,111 42 Kursk Region 17,381 17,376 5 Lipetsk Region 15,885 15,820 65 Moscow Region 140,467 139,405 1,062 Orel Region 7,955 7,929 26 Ryazan Region 17,172 17,114 58 Smolensk Region 11,665 11,608 57 Tambov Region 15,148 15,137 11 Tver Region 11,948 11,891 56 Tula Region 18,661 18,629 32 Yaroslavl Region 15,105 14,923 182 Moscow 706,842 699,677 7,165 NORTH-WESTERN FEDERAL DISTRICT 252,829 250,675 2,154 Republic of Karelia 6,687 6,660 27 Republic of Komi 7,545 7,506 39 Arkhangelsk Region 10,843 10,812 31 Nenets Autonomous Area 714 714 0 Arkhangelsk Region, excluding Nenets Autonomous Area 10,130 10,098 31 Vologda Region 17,134 17,067 67 Kaliningrad Region 21,246 21,124 122 Leningrad Region 13,334 13,301 33 Murmansk Region 9,333 9,317 17 Novgorod Region 5,501 5,477 24 Pskov Region 5,669 5,652 17 Saint Petersburg 155,537 153,759 1,779 SOUTHERN FEDERAL DISTRICT 293,835 291,131 2,704 Republic of Adygeya (Adygeya) 4,629 4,628 1 Republic of Kalmykia 3,166 3,157 10 Republic of Crimea 24,365 24,339 26 Krasnodar Territory 131,908 131,056 852 Astrakhan Region 9,809 9,809 0 Volgograd Region 29,583 29,485 97 Rostov Region 83,365 81,654 1,712 Sevastopol 7,009 7,004 5 NORTH CAUCASIAN FEDERAL DISTRICT 70,407 68,950 1,457 Republic of Daghestan 12,291 12,286 5 Republic of Ingushetia 525 525 0 Kabardino­-Balkar Republic 3,823 3,803 20 Karachay-­Cherkess Republic 2,532 2,530 2 Republic of North Ossetia — Alania 3,913 3,908 4 6. Regional Section Bank of Russia Statistical Bulletin No. 3 (394) 157 Table 6.2.2 (end) (millions of rubles) 1 2 3 4 Chechen Republic 4,336 4,335 1 Stavropol Territory 42,987 41,562 1,425 VOLGA FEDERAL DISTRICT 393,807 389,352 4,455 Republic of Bashkortostan 38,993 38,934 59 Mari El Republic 6,260 6,223 37 Republic of Mordovia 7,423 7,364 58 Republic of Tatarstan (Tatarstan) 56,154 55,909 245 Udmurt Republic 23,063 22,924 139 Chuvash Republic — Chuvashia 14,594 14,542 52 Perm Territory 38,716 38,612 104 Kirov Region 23,228 23,151 77 Nizhny Novgorod Region 48,367 48,080 287 Orenburg Region 26,464 26,454 11 Penza Region 22,499 22,456 43 Samara Region 40,299 37,017 3,282 Saratov Region 33,154 33,131 23 Ulyanovsk Region 14,593 14,555 38 URALS FEDERAL DISTRICT 185,482 181,919 3,563 Kurgan Region 6,822 6,818 4 Sverdlovsk Region 70,715 68,490 2,226 Tyumen Region 59,970 59,581 388 Khanty­-Mansi Autonomous Area — Yugra 23,711 23,683 28 Yamal­-Nenets Autonomous Area 9,980 9,975 5 Tyumen Region, excluding Khanty-­Mansi Autonomous Area — 26,279 25,923 355 Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 47,975 47,030 945 SIBERIAN FEDERAL DISTRICT 223,684 221,627 2,057 Altai Republic 1,655 1,632 23 Republic of Tuva 1,230 1,228 1 Republic of Khakassia 7,428 7,425 3 Altai Territory 29,489 29,165 324 Krasnoyarsk Territory 42,227 42,145 81 Irkutsk Region 32,056 31,953 103 Kemerovo Region — Kuzbass 21,420 21,395 24 Novosibirsk Region 49,639 48,835 804 Omsk Region 27,533 26,872 662 Tomsk Region 11,008 10,977 31 FAR-EASTERN FEDERAL DISTRICT 172,504 171,740 764 Republic of Buryatia 11,660 11,519 141 Republic of Sakha (Yakutia) 21,799 21,769 30 Trans­-Baikal Territory 11,762 11,710 53 Kamchatka Territory 10,977 10,962 15 Primorye Territory 41,535 41,425 110 Khabarovsk Territory 28,670 28,599 71 Amur Region 20,393 20,218 176 Magadan Region 5,452 5,437 15 Sakhalin Region 16,047 15,895 152 Jewish Autonomous Region 1,479 1,477 2 Chukotka Autonomous Area 2,728 2,728 0 OUTSIDE THE RUSSIAN FEDERATION 89 89 0 Note. Certain discrepancies between the total and the sum of components are due to the rounding of data. 6.3. Funds Allocations 158 Table 6.3.1 Volume of Ruble-Denominated Loans to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use No. 3 (394) Bank of Russia Statistical Bulletin (millions of rubles) Volume loans for January 2026 of which of which wholesale and mining and mining and retai trade; repair total electricity, agriculture, quarrying quarrying transport and services for means real estate other for settlement manufacturing gas and water hunting and construction of natural of energy communications of transport, activities activities finality supply forestry minerals producing furnishings and materials private used goods 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 4,279,749 128,824 70,963 916,604 99,868 68,966 152,202 138,850 899,339 556,962 788,609 529,526 CENTRAL FEDERAL DISTRICT 2,482,772 33,148 10,797 303,681 55,239 18,606 73,361 64,060 565,821 353,909 721,658 293,288 Belgorod Region 39,563 2,000 0 18,911 196 4,729 884 173 10,679 321 74 1,596 Bryansk Region 5,324 0 0 1,373 0 293 322 51 1,508 246 18 1,512 Vladimir Region 7,091 10 0 3,112 79 460 195 90 712 742 101 1,588 Voronezh Region 26,113 22 0 5,903 279 2,819 2,134 835 5,053 5,430 153 3,483 Ivanovo Region 5,476 0 0 1,940 66 60 246 49 943 1,072 31 1,070 Kaluga Region 15,839 6 0 2,626 0 638 933 188 9,771 352 29 1,296 Kostroma Region 8,459 0 0 869 29 64 208 63 4,167 247 2,140 672 Kursk Region 26,966 18,426 0 2,789 0 1,159 222 95 1,092 2,142 59 983 Lipetsk Region 7,353 0 0 2,256 50 2,176 281 160 1,090 290 35 1,015 Moscow Region 217,989 43 0 28,425 5,864 603 8,442 4,289 94,873 19,680 25,950 29,821 Orel Region 3,934 0 0 1,176 75 1,010 277 168 617 145 14 451 Ryazan Region 9,755 0 0 3,206 52 1,458 1,464 140 1,899 471 52 1,013 Smolensk Region 10,858 0 0 2,804 215 93 214 277 4,823 302 26 2,104 Tambov Region 7,760 0 0 1,663 60 2,061 168 111 1,735 310 62 1,591 6. Regional Section Tver Region 13,655 24 24 3,944 10 173 228 254 7,432 288 45 1,258 Tula Region 21,819 18 0 13,629 93 261 565 117 4,522 725 43 1,845 Yaroslavl Region 29,860 0 0 6,296 23 261 627 127 5,128 420 15,397 1,581 Moscow 2,024,958 12,600 10,773 202,758 48,148 289 55,949 56,873 409,776 320,726 677,428 240,411 Table 6.3.1 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 525,311 9,644 4,000 176,662 9,975 2,980 15,209 45,677 129,830 46,933 26,471 61,931 Republic of Karelia 11,737 237 0 366 98 48 267 69 255 158 408 9,831 Republic of Komi 3,906 0 0 1,521 0 10 193 135 260 40 25 1,721 Arkhangelsk Region 6,336 0 0 1,764 317 61 708 176 1,209 1,040 164 897 Nenets Autonomous Area 672 0 0 0 0 0 15 2 15 599 16 24 Arkhangelsk Region, 5,664 0 0 1,764 317 61 693 174 1,194 441 148 872 excluding Nenets Autonomous Area Vologda Region 7,604 0 0 2,336 414 702 284 97 1,265 470 464 1,573 Kaliningrad Region 17,316 33 0 2,241 526 868 1,388 719 3,029 2,315 3,145 3,052 Leningrad Region 51,125 54 0 37,946 433 678 1,146 986 3,034 4,459 300 2,090 Murmansk Region 9,180 5,274 0 100 1,350 6 100 223 541 276 435 875 Novgorod Region 6,900 0 0 2,420 369 103 173 14 1,425 37 17 2,341 Pskov Region 2,438 0 0 879 0 441 121 39 184 304 37 433 Saint Petersburg 408,768 4,047 4,000 127,087 6,468 63 10,829 43,220 118,627 37,835 21,476 39,115 SOUTHERN FEDERAL DISTRICT 224,057 660 533 41,730 3,377 11,475 9,774 3,603 67,991 38,385 22,056 25,005 Republic of Adygeya (Adygeya) 2,892 0 0 1,079 0 411 179 4 593 435 31 163 Republic of Kalmykia 1,608 0 0 16 0 10 144 58 546 102 38 693 Republic of Crimea 15,267 1 0 643 127 342 2,425 612 3,648 3,867 322 3,282 Krasnodar Territory 132,467 112 0 26,831 419 6,528 3,439 1,792 44,549 24,962 12,883 10,952 Astrakhan Region 3,611 0 0 379 0 183 1,564 24 816 414 17 215 Bank of Russia Statistical Bulletin Volgograd Region 15,697 0 0 7,552 200 697 672 332 2,835 700 335 2,374 Rostov Region 50,422 546 533 5,173 2,473 3,224 1,159 776 14,767 7,501 8,275 6,527 Sevastopol 2,093 0 0 59 158 80 193 7 238 405 155 798 NORTH CAUCASIAN FEDERAL DISTRICT 27,285 0 0 9,594 70 2,526 4,148 266 4,383 1,071 588 4,640 Republic of Daghestan 2,142 0 0 680 0 142 418 27 169 113 51 543 No. 3 (394) Republic of Ingushetia 74 0 0 20 0 5 1 4 12 1 1 30 Kabardino­-Balkar Republic 595 0 0 95 0 76 124 9 99 3 33 156 Karachay-­Cherkess Republic 933 0 0 323 0 268 71 7 76 66 69 53 Republic of North Ossetia — Alania 727 0 0 24 0 53 189 6 110 46 54 246 Chechen Republic 1,051 0 0 35 0 1 66 38 413 117 10 369 159 Stavropol Territory 21,763 0 0 8,417 70 1,981 3,278 175 3,504 725 370 3,243 Table 6.3.1 (cont.) 160 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 519,978 35,059 29,866 246,567 3,233 16,040 24,285 6,911 54,292 71,030 4,027 58,534 Republic of Bashkortostan 34,847 5,341 395 7,708 37 3,216 2,299 583 5,777 4,555 261 5,069 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 3,677 4 0 765 209 714 904 35 474 16 14 542 Republic of Mordovia 5,248 0 0 1,635 0 1,136 357 265 748 77 46 984 Republic of Tatarstan (Tatarstan) 200,926 24,820 24,817 132,924 518 858 8,411 1,105 9,035 7,908 737 14,610 Udmurt Republic 18,693 2,801 2,801 8,190 68 305 500 381 1,190 3,179 96 1,982 Chuvash Republic — Chuvashia 5,431 0 0 730 0 296 1,147 91 1,787 415 57 906 Perm Territory 35,945 523 511 20,122 150 121 2,881 457 3,503 3,700 1,200 3,288 Kirov Region 6,014 14 13 1,174 12 421 823 312 907 653 371 1,328 Nizhny Novgorod Region 131,291 14 0 45,634 1,409 961 2,564 1,388 11,942 45,589 423 21,368 Orenburg Region 15,869 36 16 7,079 107 995 783 740 3,581 1,201 99 1,246 Penza Region 9,033 31 0 1,578 138 2,141 714 383 1,348 1,525 89 1,085 Samara Region 31,365 749 674 10,587 210 2,822 2,171 640 9,009 1,438 255 3,484 Saratov Region 14,759 640 640 5,922 256 1,465 497 159 3,933 427 86 1,373 Ulyanovsk Region 6,881 86 0 2,520 119 587 233 372 1,058 346 292 1,269 URALS FEDERAL DISTRICT 225,948 23,649 22,170 87,180 12,870 3,184 9,393 4,382 20,576 24,003 5,753 34,960 Kurgan Region 5,398 0 0 3,490 237 73 314 101 355 208 35 584 Sverdlovsk Region 122,621 139 0 66,454 10,537 1,253 4,544 2,030 10,857 11,541 2,945 12,319 Tyumen Region 53,847 22,173 22,170 965 1,107 564 2,874 1,716 4,214 8,972 1,515 9,746 Khanty­-Mansi Autonomous Area — Yugra 19,311 13,512 13,512 224 330 32 810 536 1,117 299 98 2,352 Yamal­-Nenets Autonomous Area 10,910 8,657 8,657 239 0 4 248 347 164 110 730 412 Tyumen Region, excluding Khanty-­Mansi Autonomous 23,626 4 2 503 777 527 1,816 833 2,933 8,563 687 6,982 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 44,083 1,337 0 16,271 988 1,293 1,661 534 5,149 3,281 1,257 12,311 SIBERIAN FEDERAL DISTRICT 170,498 3,804 1,954 45,195 6,496 11,758 8,699 4,977 36,974 13,457 4,955 34,182 Altai Republic 2,843 0 0 59 16 10 76 18 1,875 219 436 133 Republic of Tuva 622 0 0 8 0 8 276 7 132 4 11 177 Republic of Khakassia 1,384 0 0 22 2 51 267 23 432 223 13 351 Altai Territory 16,554 15 0 5,418 104 1,276 410 676 3,491 1,545 495 3,124 Krasnoyarsk Territory 32,800 1,441 27 11,752 3,766 399 2,230 1,034 3,453 1,702 371 6,652 6. Regional Section Irkutsk Region 15,347 1,493 1,092 1,535 742 434 591 450 4,879 1,752 129 3,342 Kemerovo Region — Kuzbass 30,432 723 723 12,878 750 2,155 332 485 8,860 885 579 2,786 Table 6.3.1 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Novosibirsk Region 37,708 21 0 7,998 862 1,106 2,817 1,699 7,967 6,070 2,661 6,506 Omsk Region 14,308 0 0 4,255 249 941 1,006 540 3,522 735 157 2,903 Tomsk Region 18,501 112 112 1,271 5 5,378 694 44 2,362 323 103 8,209 FAR-EASTERN FEDERAL DISTRICT 103,899 22,861 1,642 5,995 8,608 2,398 7,332 8,974 19,471 8,173 3,102 16,986 Republic of Buryatia 5,105 618 0 97 0 1,390 402 19 966 136 39 1,438 Republic of Sakha (Yakutia) 21,038 11,655 35 116 2,388 71 990 1,051 1,170 437 57 3,103 Trans­-Baikal Territory 6,808 1,988 0 30 12 111 727 88 1,158 328 72 2,293 Kamchatka Territory 3,491 29 0 71 568 44 201 37 1,463 670 179 230 Primorye Territory 31,248 0 0 2,342 41 179 1,988 5,987 10,367 2,949 2,427 4,969 Khabarovsk Territory 14,806 730 0 2,524 2,323 63 1,632 353 2,161 1,820 217 2,985 Amur Region 6,438 77 0 553 639 527 902 1,022 367 1,484 69 799 Magadan Region 3,818 1,795 0 3 404 12 1 75 1,275 167 6 80 Sakhalin Region 5,219 1,607 1,607 254 1,158 1 473 140 523 180 33 849 Jewish Autonomous Region 316 51 0 5 0 0 8 2 19 3 0 228 Chukotka Autonomous Area 5,611 4,312 0 2 1,075 0 8 200 2 0 1 12 Bank of Russia Statistical Bulletin 161 No. 3 (394) Table 6.3.2 162 Volume of Foreign Currency-Denominated Loans and Loans in Precious Metals to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use (millions of rubles) No. 3 (394) Bank of Russia Statistical Bulletin Volume loans for January 2026 of which of which wholesale and mining and mining and retail trade; repair total electricity, agriculture, quarrying quarrying transport and services for means real estate other for settlement manufacturing gas and water hunting and construction of natural of energy communications of transport, activities activities finality supply forestry minerals producing furnishings and materials private used goods 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 571,836 4,537 57 182,086 0 232 0 127 18,782 17,919 348,154 0 CENTRAL FEDERAL DISTRICT 463,650 3,439 0 90,157 0 0 0 56 5,310 16,615 348,073 0 Belgorod Region 0 0 0 0 0 0 0 0 0 0 0 0 Bryansk Region 0 0 0 0 0 0 0 0 0 0 0 0 Vladimir Region 0 0 0 0 0 0 0 0 0 0 0 0 Voronezh Region 1,959 0 0 1,959 0 0 0 0 0 0 0 0 Ivanovo Region 35 0 0 27 0 0 0 0 9 0 0 0 Kaluga Region 0 0 0 0 0 0 0 0 0 0 0 0 Kostroma Region 0 0 0 0 0 0 0 0 0 0 0 0 Kursk Region 0 0 0 0 0 0 0 0 0 0 0 0 Lipetsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Moscow Region 279 0 0 205 0 0 0 0 59 16 0 0 Orel Region 0 0 0 0 0 0 0 0 0 0 0 0 Ryazan Region 0 0 0 0 0 0 0 0 0 0 0 0 Smolensk Region 33 0 0 0 0 0 0 33 0 0 0 0 Tambov Region 0 0 0 0 0 0 0 0 0 0 0 0 Tver Region 0 0 0 0 0 0 0 0 0 0 0 0 Tula Region 1,938 0 0 1,938 0 0 0 0 0 0 0 0 6. Regional Section Yaroslavl Region 0 0 0 0 0 0 0 0 0 0 0 0 Moscow 459,406 3,439 0 86,029 0 0 0 23 5,242 16,600 348,073 0 Table 6.3.2 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 79,580 0 0 68,381 0 0 0 0 11,198 0 0 0 Republic of Karelia 266 0 0 266 0 0 0 0 0 0 0 0 Republic of Komi 0 0 0 0 0 0 0 0 0 0 0 0 Arkhangelsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Nenets Autonomous Area 0 0 0 0 0 0 0 0 0 0 0 0 Arkhangelsk Region, 0 0 0 0 0 0 0 0 0 0 0 0 excluding Nenets Autonomous Area Vologda Region 0 0 0 0 0 0 0 0 0 0 0 0 Kaliningrad Region 9,925 0 0 13 0 0 0 0 9,912 0 0 0 Leningrad Region 485 0 0 485 0 0 0 0 0 0 0 0 Murmansk Region 0 0 0 0 0 0 0 0 0 0 0 0 Novgorod Region 1,136 0 0 1,136 0 0 0 0 0 0 0 0 Pskov Region 0 0 0 0 0 0 0 0 0 0 0 0 Saint Petersburg 67,767 0 0 66,481 0 0 0 0 1,286 0 0 0 SOUTHERN FEDERAL DISTRICT 1,544 0 0 7 0 232 0 0 1,305 0 0 0 Republic of Adygeya (Adygeya) 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Kalmykia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Crimea 0 0 0 0 0 0 0 0 0 0 0 0 Krasnodar Territory 1,198 0 0 7 0 0 0 0 1,191 0 0 0 Astrakhan Region 232 0 0 0 0 232 0 0 0 0 0 0 Bank of Russia Statistical Bulletin Volgograd Region 0 0 0 0 0 0 0 0 0 0 0 0 Rostov Region 114 0 0 0 0 0 0 0 114 0 0 0 Sevastopol 0 0 0 0 0 0 0 0 0 0 0 0 NORTH CAUCASIAN FEDERAL DISTRICT 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Daghestan 0 0 0 0 0 0 0 0 0 0 0 0 No. 3 (394) Republic of Ingushetia 0 0 0 0 0 0 0 0 0 0 0 0 Kabardino­-Balkar Republic 0 0 0 0 0 0 0 0 0 0 0 0 Karachay-­Cherkess Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of North Ossetia — Alania 0 0 0 0 0 0 0 0 0 0 0 0 Chechen Republic 0 0 0 0 0 0 0 0 0 0 0 0 163 Stavropol Territory 0 0 0 0 0 0 0 0 0 0 0 0 Table 6.3.2 (cont.) 164 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 2,758 0 0 2,746 0 0 0 0 12 0 0 0 Republic of Bashkortostan 1,389 0 0 1,389 0 0 0 0 0 0 0 0 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Mordovia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Tatarstan (Tatarstan) 0 0 0 0 0 0 0 0 0 0 0 0 Udmurt Republic 12 0 0 0 0 0 0 0 12 0 0 0 Chuvash Republic — Chuvashia 0 0 0 0 0 0 0 0 0 0 0 0 Perm Territory 0 0 0 0 0 0 0 0 0 0 0 0 Kirov Region 0 0 0 0 0 0 0 0 0 0 0 0 Nizhny Novgorod Region 0 0 0 0 0 0 0 0 0 0 0 0 Orenburg Region 0 0 0 0 0 0 0 0 0 0 0 0 Penza Region 0 0 0 0 0 0 0 0 0 0 0 0 Samara Region 1,357 0 0 1,357 0 0 0 0 0 0 0 0 Saratov Region 0 0 0 0 0 0 0 0 0 0 0 0 Ulyanovsk Region 0 0 0 0 0 0 0 0 0 0 0 0 URALS FEDERAL DISTRICT 21,491 761 0 20,693 0 0 0 0 37 0 0 0 Kurgan Region 0 0 0 0 0 0 0 0 0 0 0 0 Sverdlovsk Region 20,731 0 0 20,693 0 0 0 0 37 0 0 0 Tyumen Region 0 0 0 0 0 0 0 0 0 0 0 0 Khanty­-Mansi Autonomous Area — Yugra 0 0 0 0 0 0 0 0 0 0 0 0 Yamal­-Nenets Autonomous Area 0 0 0 0 0 0 0 0 0 0 0 0 Tyumen Region, excluding Khanty-­Mansi Autonomous 0 0 0 0 0 0 0 0 0 0 0 0 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 761 761 0 0 0 0 0 0 0 0 0 0 SIBERIAN FEDERAL DISTRICT 2,024 196 0 31 0 0 0 0 493 1,303 0 0 Altai Republic 368 0 0 0 0 0 0 0 368 0 0 0 Republic of Tuva 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Khakassia 196 196 0 0 0 0 0 0 0 0 0 0 Altai Territory 0 0 0 0 0 0 0 0 0 0 0 0 Krasnoyarsk Territory 1,308 0 0 0 0 0 0 0 4 1,303 0 0 6. Regional Section Irkutsk Region 31 0 0 31 0 0 0 0 0 0 0 0 Kemerovo Region — Kuzbass 0 0 0 0 0 0 0 0 0 0 0 0 Table 6.3.2 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Novosibirsk Region 121 0 0 0 0 0 0 0 121 0 0 0 Omsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Tomsk Region 0 0 0 0 0 0 0 0 0 0 0 0 FAR-EASTERN FEDERAL DISTRICT 789 142 57 69 0 0 0 71 427 0 81 0 Republic of Buryatia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Sakha (Yakutia) 0 0 0 0 0 0 0 0 0 0 0 0 Trans­-Baikal Territory 85 85 0 0 0 0 0 0 0 0 0 0 Kamchatka Territory 0 0 0 0 0 0 0 0 0 0 0 0 Primorye Territory 566 0 0 69 0 0 0 71 427 0 0 0 Khabarovsk Territory 81 0 0 0 0 0 0 0 0 0 81 0 Amur Region 0 0 0 0 0 0 0 0 0 0 0 0 Magadan Region 0 0 0 0 0 0 0 0 0 0 0 0 Sakhalin Region 0 0 0 0 0 0 0 0 0 0 0 0 Jewish Autonomous Region 0 0 0 0 0 0 0 0 0 0 0 0 Chukotka Autonomous Area 57 57 57 0 0 0 0 0 0 0 0 0 . Bank of Russia Statistical Bulletin 165 No. 3 (394) Table 6.3.3 166 Outstanding Amount of Loans on Ruble-Denominated Loans to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use (millions of rubles) No. 3 (394) Bank of Russia Statistical Bulletin Outstanding loans as 31.01.2026 of which of which wholesale and mining and mining and retail trade; repair total electricity, agriculture, quarrying quarrying transport and services for means real estate other for settlement manufacturing gas and water hunting and construction of natural of energy communications of transport, activities activities finality supply forestry minerals producing furnishings and materials private used goods 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 76,538,467 4,119,515 2,364,235 18,988,081 1,833,428 3,090,156 5,062,966 4,984,278 7,896,227 16,154,665 13,967,500 441,649 CENTRAL FEDERAL DISTRICT 40,797,201 459,280 214,706 7,105,561 797,634 1,190,675 2,776,747 3,180,302 3,976,558 9,943,043 11,104,846 262,555 Belgorod Region 458,946 39,702 0 154,676 589 129,180 10,384 9,521 99,377 11,053 2,902 1,562 Bryansk Region 172,998 8 0 50,488 901 89,399 3,452 1,568 11,479 10,337 3,689 1,676 Vladimir Region 154,328 58 0 94,756 356 8,974 5,229 4,676 12,930 22,851 3,026 1,473 Voronezh Region 545,073 564 0 148,276 5,998 185,265 36,975 11,104 49,495 97,813 6,613 2,970 Ivanovo Region 244,523 0 0 29,424 291 6,587 6,608 173,555 8,797 16,478 1,851 932 Kaluga Region 229,754 541 0 91,561 28 62,869 19,086 2,872 32,970 14,228 4,418 1,180 Kostroma Region 102,487 12 0 56,106 185 2,080 3,616 1,848 12,699 6,128 19,176 636 Kursk Region 355,386 63,671 0 158,367 157 100,631 4,193 2,631 11,413 10,954 2,296 1,073 Lipetsk Region 340,499 223 0 104,710 500 181,918 10,263 5,998 19,801 15,223 886 977 Moscow Region 5,429,646 1,542 43 878,279 254,440 61,344 412,757 245,099 1,179,488 1,220,783 1,153,488 22,425 Orel Region 125,893 72 0 61,972 114 37,955 4,905 1,804 12,289 5,439 799 543 Ryazan Region 298,683 8 0 63,481 1,571 60,115 42,935 3,073 17,014 107,897 1,770 818 Smolensk Region 74,002 10 0 29,195 972 8,944 2,903 3,504 18,581 7,065 1,851 975 Tambov Region 199,711 1 0 54,555 497 114,584 5,323 5,071 14,344 2,691 1,344 1,302 Tver Region 202,512 200 193 64,023 115 48,865 17,160 2,181 16,556 20,130 32,190 1,093 Tula Region 844,932 5,248 0 709,379 2,505 42,890 18,731 2,040 33,273 25,735 2,542 2,588 6. Regional Section Yaroslavl Region 395,272 4 0 127,039 9,337 22,655 12,964 7,091 24,517 23,399 166,991 1,274 Moscow 30,622,556 347,416 214,470 4,229,273 519,077 26,419 2,159,262 2,696,666 2,401,534 8,324,839 9,699,014 219,057 Table 6.3.3 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 10,231,331 671,258 640,762 4,012,057 135,678 141,309 474,768 469,899 1,735,514 1,606,857 946,145 37,847 Republic of Karelia 42,804 2,136 0 14,638 4,145 1,145 4,478 1,678 2,799 1,730 6,145 3,910 Republic of Komi 138,433 47,316 47,266 76,251 98 1,572 2,208 1,835 5,240 1,997 921 996 Arkhangelsk Region 446,908 12,532 12,092 352,458 6,388 5,635 15,545 7,952 9,347 23,656 12,594 803 Nenets Autonomous Area 26,299 12,092 12,092 21 1,900 0 224 125 210 11,443 231 52 Arkhangelsk Region, 420,609 440 0 352,437 4,488 5,635 15,320 7,827 9,137 12,212 12,363 750 excluding Nenets Autonomous Area Vologda Region 93,814 8 0 27,771 2,616 11,796 6,755 2,140 9,504 25,325 6,547 1,352 Kaliningrad Region 679,395 1,335 0 163,695 6,564 46,471 30,040 13,733 31,087 50,959 333,261 2,252 Leningrad Region 2,635,407 273 3 2,195,999 13,484 37,526 34,619 51,846 25,566 261,507 12,585 2,001 Murmansk Region 173,727 23,668 0 2,715 7,853 66 45,171 43,101 7,410 4,758 38,033 952 Novgorod Region 40,354 243 0 18,258 1,373 4,960 714 1,684 8,611 1,828 1,501 1,182 Pskov Region 71,179 6 0 24,651 297 31,313 4,576 2,146 2,125 3,888 1,745 431 Saint Petersburg 5,909,312 583,742 581,402 1,135,622 92,860 825 330,662 343,785 1,633,825 1,231,211 532,813 23,968 SOUTHERN FEDERAL DISTRICT 5,174,581 12,869 10,227 935,580 94,958 519,533 359,099 313,148 869,429 1,616,886 429,743 23,335 Republic of Adygeya (Adygeya) 60,264 90 6 7,779 11 8,052 5,434 407 3,845 33,735 703 208 Republic of Kalmykia 31,285 0 0 1,740 7,913 1,599 2,479 845 9,622 4,763 1,771 554 Republic of Crimea 277,744 58 0 23,352 11,839 9,342 44,934 36,457 28,466 107,026 13,791 2,481 Krasnodar Territory 3,431,222 360 51 399,823 20,645 317,032 200,093 218,209 662,080 1,243,273 359,024 10,682 Astrakhan Region 105,344 1,947 4 8,555 11 14,249 44,814 9,116 9,693 15,040 1,652 267 Bank of Russia Statistical Bulletin Volgograd Region 320,890 300 242 222,125 636 33,191 18,171 4,860 17,581 16,301 5,164 2,561 Rostov Region 924,448 10,115 9,925 270,281 51,576 134,097 39,884 43,100 132,842 192,027 45,101 5,425 Sevastopol 23,384 0 0 1,925 2,327 1,971 3,289 155 5,301 4,720 2,538 1,157 NORTH CAUCASIAN FEDERAL DISTRICT 827,562 1,360 2 311,555 1,163 201,604 108,143 34,022 58,608 81,187 26,093 3,827 Republic of Daghestan 61,362 54 0 16,226 0 6,701 16,720 812 4,344 15,007 1,121 376 No. 3 (394) Republic of Ingushetia 6,924 0 0 2,452 0 3,302 241 451 368 56 34 19 Kabardino­-Balkar Republic 32,010 9 0 6,995 4 14,816 3,461 556 3,390 1,680 958 140 Karachay-­Cherkess Republic 50,504 297 0 9,339 10 9,470 5,844 6,116 1,935 11,345 6,074 76 Republic of North Ossetia — Alania 41,706 814 0 1,838 0 20,336 9,171 1,829 3,371 1,086 3,063 199 Chechen Republic 59,945 161 0 2,835 3 5,552 37,507 778 6,614 4,287 1,999 209 167 Stavropol Territory 575,112 26 2 271,870 1,146 141,427 35,199 23,480 38,585 47,728 12,843 2,809 Table 6.3.3 (cont.) 168 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 6,520,482 300,347 208,862 3,030,802 82,980 587,248 554,214 274,559 442,996 1,022,079 184,120 41,138 Republic of Bashkortostan 627,564 58,850 2,136 237,718 4,406 73,225 65,286 8,135 39,408 127,857 7,983 4,696 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 97,662 49 1 24,624 318 52,082 11,194 1,346 5,582 1,243 808 416 Republic of Mordovia 92,434 216 0 45,894 468 27,073 4,855 1,947 5,734 3,619 1,916 712 Republic of Tatarstan (Tatarstan) 1,614,022 30,461 30,354 875,710 11,928 81,757 217,999 21,045 87,351 238,085 39,482 10,203 Udmurt Republic 345,836 14,049 14,019 191,660 463 32,469 6,612 8,031 16,888 66,909 6,874 1,880 Chuvash Republic — Chuvashia 99,016 0 0 32,803 396 14,234 20,629 2,164 14,063 11,226 2,788 713 Perm Territory 1,048,135 15,870 13,370 528,339 2,908 16,594 56,050 132,320 28,123 201,365 62,472 4,094 Kirov Region 81,070 34 7 23,259 95 26,223 8,629 2,533 8,491 6,544 4,228 1,034 Nizhny Novgorod Region 861,053 399 141 348,393 33,879 37,386 39,278 42,158 103,387 223,080 24,096 8,997 Orenburg Region 415,335 99,860 70,236 180,975 17,537 28,104 10,287 16,701 16,390 30,900 13,113 1,470 Penza Region 222,902 1,101 0 37,433 449 95,185 24,935 3,590 19,551 36,841 2,606 1,209 Samara Region 701,119 63,556 63,180 357,702 4,006 56,304 70,208 21,426 62,168 55,055 7,771 2,923 Saratov Region 232,007 15,453 15,419 114,339 5,521 35,808 9,435 9,241 26,028 8,221 6,372 1,590 Ulyanovsk Region 82,326 449 0 31,953 604 10,803 8,817 3,921 9,832 11,133 3,612 1,202 URALS FEDERAL DISTRICT 5,746,954 769,094 714,320 2,320,782 83,538 112,037 300,828 127,410 246,595 933,274 821,025 32,370 Kurgan Region 145,382 34 5 103,192 3,279 9,509 6,412 1,824 5,527 13,416 1,562 627 Sverdlovsk Region 2,213,734 5,771 13 1,241,013 42,537 22,636 108,188 45,849 152,591 459,227 126,416 9,507 Tyumen Region 2,527,143 714,429 714,302 549,784 30,898 49,192 115,013 63,481 43,930 298,714 656,865 4,836 Khanty­-Mansi Autonomous Area — Yugra 465,189 329,693 329,600 3,060 11,342 217 35,128 37,674 11,699 25,155 9,848 1,372 Yamal­-Nenets Autonomous Area 1,048,146 331,262 331,259 41,084 2,404 117 18,502 13,728 5,599 5,748 629,311 392 Tyumen Region, excluding Khanty-­Mansi Autonomous 1,013,808 53,474 53,442 505,640 17,153 48,857 61,383 12,079 26,632 267,811 17,707 3,073 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 860,696 48,861 0 426,794 6,823 30,700 71,215 16,256 44,547 161,917 36,182 17,400 SIBERIAN FEDERAL DISTRICT 3,034,396 289,596 196,040 873,555 327,659 228,393 259,214 144,419 347,445 412,726 121,820 29,570 Altai Republic 31,112 0 0 648 65 337 611 395 6,147 3,033 19,720 155 Republic of Tuva 8,995 0 0 228 0 118 4,081 300 2,964 317 822 165 Republic of Khakassia 22,753 1,205 200 1,588 8 1,560 8,126 900 4,232 4,188 519 426 Altai Territory 252,654 17,160 0 75,788 962 60,177 10,791 14,180 22,950 40,236 7,694 2,717 Krasnoyarsk Territory 848,153 48,294 46,123 328,046 235,835 34,118 58,347 15,666 38,927 65,417 18,603 4,899 6. Regional Section Irkutsk Region 383,285 109,209 37,576 37,387 82,209 11,002 30,562 10,741 39,445 46,722 12,945 3,062 Kemerovo Region — Kuzbass 537,561 112,278 111,124 215,733 3,536 28,107 27,559 20,536 54,141 50,764 22,261 2,645 Table 6.3.3 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Novosibirsk Region 564,012 990 723 103,781 1,068 33,165 91,297 72,015 66,661 167,354 22,113 5,569 Omsk Region 183,014 2 1 73,049 1,333 25,181 19,939 6,469 22,727 17,778 14,042 2,493 Tomsk Region 202,856 458 293 37,306 2,642 34,627 7,899 3,215 89,253 16,917 3,100 7,438 FAR-EASTERN FEDERAL DISTRICT 4,205,960 1,615,710 379,316 398,189 309,819 109,357 229,953 440,519 219,082 538,615 333,709 11,007 Republic of Buryatia 194,819 118,264 98852 11,100 59 15,691 14,049 3,838 18,989 8,789 2,699 1,343 Republic of Sakha (Yakutia) 566,594 315,991 219,545 6,045 105,553 902 37,015 24,743 29,093 40,901 4,475 1,878 Trans­-Baikal Territory 471,042 320,167 0 1,861 881 826 18,585 6,467 6,102 110,461 4,236 1,455 Kamchatka Territory 243,554 24,296 3 10,169 19,571 3,521 9,616 19,569 12,066 77,069 67,403 273 Primorye Territory 795,522 102 1 153,607 6,332 34,455 65,836 118,582 59,681 171,829 181,929 3,170 Khabarovsk Territory 940,633 331,661 1 136,340 66,088 25,051 31,897 225,844 26,589 88,235 7,087 1,839 Amur Region 229,280 546 0 74,556 68,760 26,807 12,967 12,706 7,787 22,276 2,337 538 Magadan Region 197,241 147,960 0 253 12,148 1,001 213 9,446 21,226 511 4,406 77 Sakhalin Region 229,636 60,866 60,839 4,120 25,637 714 35,620 17,459 8,454 17,546 58,925 296 Jewish Autonomous Region 14,212 7,991 0 101 0 296 4,104 71 586 854 88 122 Chukotka Autonomous Area 323,425 287,866 76 38 4,789 95 51 1,793 28,508 143 125 17 Bank of Russia Statistical Bulletin 169 No. 3 (394) Table 6.3.4 170 Outstanding Amount of Loans on Foreign Currency-Denominated Loans and Loans in Precious Metals to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use (millions of rubles) No. 3 (394) Bank of Russia Statistical Bulletin Outstanding loans as 31.01.2026 of which of which wholesale and mining and mining and retail trade; repair total electricity, agriculture, quarrying quarrying transport and services for means real estate other for settlement manufacturing gas and water hunting and construction of natural of energy communications of transport, activities activities finality supply forestry minerals producing furnishings and materials private used goods 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 7,543,036 1,518,960 1,299,558 3,135,172 14,152 3,772 2,060 63,028 257,505 843,346 1,705,041 0 CENTRAL FEDERAL DISTRICT 2,868,035 38,968 14,123 1,111,268 0 29 2,022 6,637 84,586 391,303 1,233,222 0 Belgorod Region 1,190 393 0 373 0 0 0 0 424 0 0 0 Bryansk Region 0 0 0 0 0 0 0 0 0 0 0 0 Vladimir Region 2,387 0 0 2,387 0 0 0 0 0 0 0 0 Voronezh Region 19,919 0 0 19,919 0 0 0 0 0 0 0 0 Ivanovo Region 197 0 0 148 0 0 0 0 49 0 0 0 Kaluga Region 6,963 0 0 2,409 0 0 0 0 38 4,516 0 0 Kostroma Region 3,831 0 0 27 0 0 0 0 0 0 3,804 0 Kursk Region 47,250 730 0 46,519 0 0 0 0 0 0 0 0 Lipetsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Moscow Region 216,132 2,238 2,238 32,427 0 0 0 0 821 6,483 174,164 0 Orel Region 0 0 0 0 0 0 0 0 0 0 0 0 Ryazan Region 701 0 0 0 0 0 0 0 0 701 0 0 Smolensk Region 8,479 0 0 8,446 0 0 0 33 0 0 0 0 Tambov Region 138 0 0 108 0 29 0 0 0 0 0 0 Tver Region 250 0 0 250 0 0 0 0 0 0 0 0 Tula Region 48,776 0 0 48,776 0 0 0 0 0 0 0 0 6. Regional Section Yaroslavl Region 6,900 0 0 2,115 0 0 0 909 0 0 3,875 0 Moscow 2,504,922 35,607 11,885 947,363 0 0 2,022 5,695 83,254 379,602 1,051,379 0 Table 6.3.4 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 1,171,873 3,181 0 652,514 0 56 0 32,597 139,813 258,155 85,557 0 Republic of Karelia 8,191 0 0 6,744 0 0 0 0 0 0 1,447 0 Republic of Komi 6,297 0 0 6,297 0 0 0 0 0 0 0 0 Arkhangelsk Region 6,305 0 0 2,469 0 0 0 93 0 0 3,744 0 Nenets Autonomous Area 0 0 0 0 0 0 0 0 0 0 0 0 Arkhangelsk Region, 6,305 0 0 2,469 0 0 0 93 0 0 3,744 0 excluding Nenets Autonomous Area Vologda Region 74,960 0 0 74,960 0 0 0 0 0 0 0 0 Kaliningrad Region 63,829 0 0 43,438 0 56 0 0 19,994 341 0 0 Leningrad Region 25,515 0 0 15,455 0 0 0 10,058 0 2 0 0 Murmansk Region 73,414 3,181 0 0 0 0 0 1,487 288 0 68,459 0 Novgorod Region 27,514 0 0 27,514 0 0 0 0 0 0 0 0 Pskov Region 0 0 0 0 0 0 0 0 0 0 0 0 Saint Petersburg 885,846 0 0 475,636 0 0 0 20,959 119,531 257,812 11,907 0 SOUTHERN FEDERAL DISTRICT 270,112 6,270 6,270 98,211 0 3,602 0 4,587 15,199 0 142,243 0 Republic of Adygeya (Adygeya) 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Kalmykia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Crimea 0 0 0 0 0 0 0 0 0 0 0 0 Krasnodar Territory 253,252 0 0 98,211 0 0 0 0 12,799 0 142,243 0 Astrakhan Region 3,602 0 0 0 0 3,602 0 0 0 0 0 0 Bank of Russia Statistical Bulletin Volgograd Region 0 0 0 0 0 0 0 0 0 0 0 0 Rostov Region 13,257 6,270 6,270 0 0 0 0 4,587 2,401 0 0 0 Sevastopol 0 0 0 0 0 0 0 0 0 0 0 0 NORTH CAUCASIAN FEDERAL DISTRICT 21,794 0 0 21,794 0 0 0 0 0 0 0 0 Republic of Daghestan 0 0 0 0 0 0 0 0 0 0 0 0 No. 3 (394) Republic of Ingushetia 0 0 0 0 0 0 0 0 0 0 0 0 Kabardino­-Balkar Republic 5,003 0 0 5,003 0 0 0 0 0 0 0 0 Karachay-­Cherkess Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of North Ossetia — Alania 0 0 0 0 0 0 0 0 0 0 0 0 Chechen Republic 4,081 0 0 4,081 0 0 0 0 0 0 0 0 171 Stavropol Territory 12,710 0 0 12,710 0 0 0 0 0 0 0 0 Table 6.3.4 (cont.) 172 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 615,889 299,899 292,993 312,640 23 0 0 3,079 249 0 0 0 Republic of Bashkortostan 48,126 6,580 0 41,546 0 0 0 0 0 0 0 0 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Mordovia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Tatarstan (Tatarstan) 780 0 0 780 0 0 0 0 0 0 0 0 Udmurt Republic 285,304 285,253 285,253 0 0 0 0 0 51 0 0 0 Chuvash Republic — Chuvashia 0 0 0 0 0 0 0 0 0 0 0 0 Perm Territory 115,848 0 0 115,848 0 0 0 0 0 0 0 0 Kirov Region 0 0 0 0 0 0 0 0 0 0 0 0 Nizhny Novgorod Region 16,469 0 0 13,390 0 0 0 3,079 0 0 0 0 Orenburg Region 79,033 8,066 7,740 70,944 23 0 0 0 0 0 0 0 Penza Region 0 0 0 0 0 0 0 0 0 0 0 0 Samara Region 58,333 0 0 58,333 0 0 0 0 0 0 0 0 Saratov Region 11,997 0 0 11,800 0 0 0 0 198 0 0 0 Ulyanovsk Region 0 0 0 0 0 0 0 0 0 0 0 0 URALS FEDERAL DISTRICT 1,120,666 807,268 753,660 290,918 0 0 0 0 1,783 0 20,697 0 Kurgan Region 0 0 0 0 0 0 0 0 0 0 0 0 Sverdlovsk Region 183,579 0 0 181,796 0 0 0 0 1,783 0 0 0 Tyumen Region 874,609 753,660 753,660 100,252 0 0 0 0 0 0 20,697 0 Khanty­-Mansi Autonomous Area — Yugra 1,809 1,809 1,809 0 0 0 0 0 0 0 0 0 Yamal­-Nenets Autonomous Area 856,160 751,850 751,850 83,613 0 0 0 0 0 0 20,697 0 Tyumen Region, excluding Khanty-­Mansi Autonomous 16,639 0 0 16,639 0 0 0 0 0 0 0 0 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 62,478 53,608 0 8,870 0 0 0 0 0 0 0 0 SIBERIAN FEDERAL DISTRICT 850,349 236,014 229,591 547,512 14,130 0 38 13 11,529 41,111 0 0 Altai Republic 368 0 0 0 0 0 0 0 368 0 0 0 Republic of Tuva 420 420 0 0 0 0 0 0 0 0 0 0 Republic of Khakassia 1,669 1,669 0 0 0 0 0 0 0 0 0 0 Altai Territory 11 0 0 0 0 0 0 0 11 0 0 0 Krasnoyarsk Territory 525,837 2,189 0 479,363 3,261 0 0 0 9 41,015 0 0 6. Regional Section Irkutsk Region 79,168 2,145 0 66,102 10,869 0 0 0 52 0 0 0 Kemerovo Region– Kuzbass 24,001 14,437 14,437 652 0 0 0 0 8,912 0 0 0 Table 6.3.4 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Novosibirsk Region 218,789 215,155 215,155 1,395 0 0 38 13 2,177 10 0 0 Omsk Region 85 0 0 0 0 0 0 0 0 85 0 0 Tomsk Region 0 0 0 0 0 0 0 0 0 0 0 0 FAR-EASTERN FEDERAL DISTRICT 624,319 127,361 2,923 100,315 0 85 0 16,116 4,345 152,777 223,321 0 Republic of Buryatia 45,007 0 0 0 0 0 0 0 0 45,007 0 0 Republic of Sakha (Yakutia) 5,532 5,529 1,663 0 0 0 0 0 3 0 0 0 Trans­-Baikal Territory 27,707 27,707 0 0 0 0 0 0 0 0 0 0 Kamchatka Territory 128,297 0 0 2,785 0 0 0 0 0 65,802 59,710 0 Primorye Territory 244,886 0 0 48,561 0 85 0 15,954 4,342 41,540 134,405 0 Khabarovsk Territory 91,208 61,628 0 1,954 0 0 0 0 0 428 27,199 0 Amur Region 69,558 22,543 0 47,015 0 0 0 0 0 0 0 0 Magadan Region 0 0 0 0 0 0 0 0 0 0 0 0 Sakhalin Region 3,111 943 943 0 0 0 0 162 0 0 2,006 0 Jewish Autonomous Region 0 0 0 0 0 0 0 0 0 0 0 0 Chukotka Autonomous Area 9,012 9,012 317 0 0 0 0 0 0 0 0 0 Bank of Russia Statistical Bulletin 173 No. 3 (394) Table 6.3.5 174 Overdue Loans on Ruble-Denominated Loans to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use (millions of rubles) Overdue loans as 31.01.2026 No. 3 (394) Bank of Russia Statistical Bulletin of which of which wholesale and mining and mining and retail trade; repair total electricity, agriculture, quarrying quarrying transport and services for means real estate other for settlement manufacturing gas and water hunting and construction of natural of energy communications of transport, activities activities finality supply forestry minerals producing furnishings and materials private used goods 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 2,856,339 44,485 35,857 431,278 18,190 86,869 270,106 82,610 513,712 489,291 888,166 31,632 CENTRAL FEDERAL DISTRICT 1,866,309 10,528 5,983 152,509 3,096 17,536 146,415 25,382 297,292 363,600 838,465 11,486 Belgorod Region 9,146 0 0 3,692 3 990 437 498 1,726 878 768 153 Bryansk Region 2,656 0 0 922 0 52 134 322 635 400 88 102 Vladimir Region 11,298 0 0 8,058 3 174 231 269 1,348 159 897 159 Voronezh Region 24,446 0 0 2,855 8 2,466 745 1,137 13,694 2,825 280 436 Ivanovo Region 4,779 0 0 605 1 149 295 272 1,469 1,499 388 101 Kaluga Region 13,861 171 0 4,873 0 160 1,310 408 1,099 4,409 1,287 144 Kostroma Region 2,052 0 0 1,098 4 39 129 130 503 52 62 35 Kursk Region 2,857 0 0 337 114 111 525 199 1,280 85 120 86 Lipetsk Region 10,896 3 0 729 6 118 674 496 7,246 1,152 163 309 Moscow Region 184,994 14 0 12,809 667 4,604 44,763 9,262 40,250 55,224 15,050 2,352 Orel Region 5,146 0 0 2,707 0 37 447 282 784 540 239 111 Ryazan Region 8,981 3 0 4,743 6 681 344 315 2,010 468 241 171 Smolensk Region 3,389 6 0 1,331 5 70 186 340 1,039 131 110 170 Tambov Region 3,335 0 0 613 16 92 481 177 1,640 86 85 145 Tver Region 7,728 0 0 1,350 2 42 4,216 313 1,080 407 185 133 Tula Region 6,192 0 0 993 1 1,681 643 439 1,422 297 494 221 6. Regional Section Yaroslavl Region 13,357 0 0 1,447 2,108 5,531 1,351 258 1,657 582 249 173 Moscow 1,551,196 10,330 5,983 103,346 152 538 89,502 10,265 218,411 294,406 817,761 6,486 Table 6.3.5 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 222,008 17,871 17,637 74,826 952 6,270 31,352 7,046 47,505 22,303 9,468 4,415 Republic of Karelia 1,424 4 0 205 0 80 191 145 460 122 162 54 Republic of Komi 9,656 5,569 5,545 1,063 0 35 259 167 2,122 231 125 83 Arkhangelsk Region 37,800 12,092 12,092 22,515 2 94 230 179 601 161 1,775 150 Nenets Autonomous Area 12,189 12,092 12,092 6 0 0 1 6 44 3 10 27 Arkhangelsk Region, 25,611 0 0 22,509 2 94 229 173 558 158 1,765 123 excluding Nenets Autonomous Area Vologda Region 4,667 1 0 432 0 77 302 303 1,101 2,195 122 132 Kaliningrad Region 14,276 0 0 7,175 0 3,606 805 457 1,380 468 241 144 Leningrad Region 13,219 0 0 5,234 0 1,294 695 485 2,401 2,441 341 327 Murmansk Region 2,044 0 0 342 0 2 117 89 956 142 272 124 Novgorod Region 2,045 0 0 445 0 855 150 108 308 59 72 48 Pskov Region 1,208 0 0 80 0 83 166 138 501 69 93 79 Saint Petersburg 135,670 205 0 37,336 948 143 28,437 4,975 37,674 16,416 6,265 3,272 SOUTHERN FEDERAL DISTRICT 182,326 3,370 1,360 54,283 7,080 12,449 15,215 15,145 34,798 28,923 7,596 3,468 Republic of Adygeya (Adygeya) 1,162 18 6 38 0 65 110 114 348 343 81 45 Republic of Kalmykia 3,062 0 0 538 0 198 313 216 1,329 213 156 100 Republic of Crimea 10,936 1 0 708 4 185 370 965 1,877 6,356 244 226 Krasnodar Territory 59,105 64 21 4,130 7,070 8,307 7,071 3,015 12,552 11,570 3,378 1,948 Astrakhan Region 11,441 1,943 0 127 0 217 3,177 327 988 4,402 191 70 Bank of Russia Statistical Bulletin Volgograd Region 8,735 0 0 484 1 488 1,389 484 2,192 907 2,479 311 Rostov Region 86,373 1,344 1,334 47,982 5 2,981 2,446 9,981 15,119 4,902 946 667 Sevastopol 1,512 0 0 275 0 10 340 43 393 230 121 101 NORTH CAUCASIAN FEDERAL DISTRICT 75,668 894 0 25,975 10 8,790 7,350 3,599 13,716 11,870 2,824 640 Republic of Daghestan 20,631 44 0 10,792 0 2,058 3,790 294 1,881 1,561 121 90 No. 3 (394) Republic of Ingushetia 1,832 0 0 1,333 0 143 160 1 167 15 11 2 Kabardino­-Balkar Republic 5,631 9 0 2,793 4 554 120 192 1,147 640 130 44 Karachay-­Cherkess Republic 13,381 22 0 1,785 0 452 1,898 1,587 952 6,557 100 28 Republic of North Ossetia — Alania 2,493 814 0 148 0 199 382 63 786 53 33 16 Chechen Republic 7,232 0 0 54 0 3,048 97 112 1,721 2,150 24 27 175 Stavropol Territory 24,468 6 0 9,070 6 2,336 904 1,351 7,062 894 2,405 434 Table 6.3.5 (cont.) 176 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 178,875 471 396 40,712 5,425 7,091 21,489 14,020 50,436 24,577 9,378 5,274 Republic of Bashkortostan 27,108 105 56 2,382 387 723 4,438 1,020 6,348 9,886 1,089 731 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 5,066 0 0 2,225 1 31 72 142 2,454 57 46 38 Republic of Mordovia 2,721 4 0 961 0 306 95 259 687 120 139 150 Republic of Tatarstan (Tatarstan) 34,813 56 56 6,888 4,587 962 6,148 2,805 5,947 5,981 738 700 Udmurt Republic 11,276 22 22 1,387 1 79 787 3,894 2,966 611 1,212 317 Chuvash Republic — Chuvashia 2,512 0 0 280 293 271 317 306 685 145 101 116 Perm Territory 12,915 53 49 3,723 8 419 1,083 895 4,174 1,319 768 472 Kirov Region 3,292 0 0 1,187 4 95 224 262 941 127 265 187 Nizhny Novgorod Region 14,705 1 0 1,916 4 1,041 1,731 815 6,516 1,134 711 836 Orenburg Region 17,724 2 2 10,027 7 700 2,536 429 2,358 755 450 458 Penza Region 3,737 0 0 542 0 180 646 307 1,231 469 122 240 Samara Region 21,809 9 8 3,661 12 462 2,264 2,029 9,261 2,370 1,220 520 Saratov Region 15,745 204 204 4,750 119 1,751 680 580 4,806 289 2,284 280 Ulyanovsk Region 5,450 16 0 781 1 72 466 276 2,063 1,314 232 229 URALS FEDERAL DISTRICT 123,705 4,631 4,259 47,244 41 2,170 13,061 6,638 26,981 11,145 9,616 2,178 Kurgan Region 1,765 0 0 290 4 192 223 247 478 112 149 71 Sverdlovsk Region 27,958 18 0 3,664 1 350 4,605 3,115 8,848 1,753 4,764 841 Tyumen Region 64,848 4,280 4,258 26,284 26 316 6,542 2,293 12,759 7,609 4,099 641 Khanty­-Mansi Autonomous Area — Yugra 13,587 4,144 4,135 353 4 43 1,315 1,070 2,536 1,236 2,666 220 Yamal­-Nenets Autonomous Area 6,982 71 70 121 0 16 3,798 575 1,306 199 792 104 Tyumen Region, excluding Khanty-­Mansi Autonomous 44,280 64 52 25,810 22 258 1,429 648 8,917 6,174 640 317 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 29,133 334 0 17,005 11 1,311 1,691 983 4,896 1,671 605 625 SIBERIAN FEDERAL DISTRICT 143,880 3,563 3,412 24,343 1,551 8,922 28,976 8,146 31,997 24,785 8,245 3,352 Altai Republic 1,483 0 0 21 4 47 50 211 1,017 7 88 37 Republic of Tuva 1,099 0 0 49 0 63 38 63 684 69 98 36 Republic of Khakassia 1,397 0 0 111 0 150 223 97 581 91 81 62 Altai Territory 12,263 5 0 1,443 13 6,601 245 563 2,387 357 276 373 6. Regional Section Krasnoyarsk Territory 30,517 18 4 14,108 19 1,075 5,355 2,444 5,560 623 699 616 Irkutsk Region 15,526 109 0 811 1,303 135 2,212 1,087 3,638 609 5,235 388 Kemerovo Region — Kuzbass 30,526 3,411 3,406 1,432 0 153 965 1,166 2,953 19,542 480 423 Table 6.3.5 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Novosibirsk Region 27,619 20 2 3,143 1 227 7,014 1,472 10,970 3,062 900 809 Omsk Region 17,799 0 0 1,551 209 353 11,472 406 2,979 183 181 465 Tomsk Region 5,653 0 0 1,674 2 118 1,402 637 1,227 243 207 142 FAR-EASTERN FEDERAL DISTRICT 63,567 3,155 2,811 11,387 35 23,640 6,249 2,634 10,987 2,087 2,574 819 Republic of Buryatia 2,277 17 0 164 5 82 305 134 801 469 240 59 Republic of Sakha (Yakutia) 6,854 2,813 2,811 991 11 48 1,123 309 851 315 278 115 Trans­-Baikal Territory 1,439 5 0 49 4 154 161 140 742 46 79 58 Kamchatka Territory 1,306 0 0 159 1 24 238 75 458 118 193 39 Primorye Territory 12,947 99 0 3,770 2 1,492 919 940 4,513 322 683 206 Khabarovsk Territory 32,661 90 0 6,041 4 21,721 2,014 355 1,185 484 620 147 Amur Region 1,869 129 0 47 8 44 264 360 709 69 182 56 Magadan Region 477 0 0 80 0 4 130 55 127 15 43 23 Sakhalin Region 3,403 0 0 58 0 67 1,073 230 1,395 245 230 104 Jewish Autonomous Region 278 2 0 18 0 4 15 23 188 4 14 8 Chukotka Autonomous Area 56 0 0 9 0 0 7 11 15 0 11 4 Bank of Russia Statistical Bulletin 177 No. 3 (394) Table 6.3.6 178 Overdue Loans on Foreign Currency-Denominated Loans and Loans in Precious Metals to Legal Entities — Residents and Individual Entrepreneurs, by Economic Activities and Fund Use (millions of rubles) No. 3 (394) Bank of Russia Statistical Bulletin Overdue loans as 31.01.2026 of which of which wholesale and mining and mining and retail trade; repair total electricity, agriculture, quarrying quarrying transport and services for means real estate other for settlement manufacturing gas and water hunting and construction of natural of energy communications of transport, activities activities finality supply forestry minerals producing furnishings and materials private used goods 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 62,038 18,507 18,507 18,725 23 0 38 0 5,251 10,270 9,222 0 CENTRAL FEDERAL DISTRICT 25,162 2,238 2,238 32 0 0 0 0 3,402 10,268 9,222 0 Belgorod Region 0 0 0 0 0 0 0 0 0 0 0 0 Bryansk Region 0 0 0 0 0 0 0 0 0 0 0 0 Vladimir Region 0 0 0 0 0 0 0 0 0 0 0 0 Voronezh Region 0 0 0 0 0 0 0 0 0 0 0 0 Ivanovo Region 0 0 0 0 0 0 0 0 0 0 0 0 Kaluga Region 0 0 0 0 0 0 0 0 0 0 0 0 Kostroma Region 0 0 0 0 0 0 0 0 0 0 0 0 Kursk Region 0 0 0 0 0 0 0 0 0 0 0 0 Lipetsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Moscow Region 2,254 2,238 2,238 0 0 0 0 0 16 0 0 0 Orel Region 0 0 0 0 0 0 0 0 0 0 0 0 Ryazan Region 0 0 0 0 0 0 0 0 0 0 0 0 Smolensk Region 0 0 0 0 0 0 0 0 0 0 0 0 Tambov Region 0 0 0 0 0 0 0 0 0 0 0 0 Tver Region 0 0 0 0 0 0 0 0 0 0 0 0 Tula Region 0 0 0 0 0 0 0 0 0 0 0 0 6. Regional Section Yaroslavl Region 0 0 0 0 0 0 0 0 0 0 0 0 Moscow 22,908 0 0 32 0 0 0 0 3,386 10,268 9,222 0 Table 6.3.6 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 1,914 0 0 1,912 0 0 0 0 0 2 0 0 Republic of Karelia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Komi 0 0 0 0 0 0 0 0 0 0 0 0 Arkhangelsk Region 1,912 0 0 1,912 0 0 0 0 0 0 0 0 Nenets Autonomous Area 0 0 0 0 0 0 0 0 0 0 0 0 Arkhangelsk Region, 1,912 0 0 1,912 0 0 0 0 0 0 0 0 excluding Nenets Autonomous Area Vologda Region 0 0 0 0 0 0 0 0 0 0 0 0 Kaliningrad Region 0 0 0 0 0 0 0 0 0 0 0 0 Leningrad Region 2 0 0 0 0 0 0 0 0 2 0 0 Murmansk Region 0 0 0 0 0 0 0 0 0 0 0 0 Novgorod Region 0 0 0 0 0 0 0 0 0 0 0 0 Pskov Region 0 0 0 0 0 0 0 0 0 0 0 0 Saint Petersburg 0 0 0 0 0 0 0 0 0 0 0 0 SOUTHERN FEDERAL DISTRICT 7,916 6,270 6,270 0 0 0 0 0 1,646 0 0 0 Republic of Adygeya (Adygeya) 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Kalmykia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Crimea 0 0 0 0 0 0 0 0 0 0 0 0 Krasnodar Territory 0 0 0 0 0 0 0 0 0 0 0 0 Astrakhan Region 0 0 0 0 0 0 0 0 0 0 0 0 Bank of Russia Statistical Bulletin Volgograd Region 0 0 0 0 0 0 0 0 0 0 0 0 Rostov Region 7,916 6,270 6,270 0 0 0 0 0 1,646 0 0 0 Sevastopol 0 0 0 0 0 0 0 0 0 0 0 0 NORTH CAUCASIAN FEDERAL DISTRICT 5,003 0 0 5,003 0 0 0 0 0 0 0 0 Republic of Daghestan 0 0 0 0 0 0 0 0 0 0 0 0 No. 3 (394) Republic of Ingushetia 0 0 0 0 0 0 0 0 0 0 0 0 Kabardino­-Balkar Republic 5,003 0 0 5,003 0 0 0 0 0 0 0 0 Karachay-­Cherkess Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of North Ossetia — Alania 0 0 0 0 0 0 0 0 0 0 0 0 Chechen Republic 0 0 0 0 0 0 0 0 0 0 0 0 179 Stavropol Territory 0 0 0 0 0 0 0 0 0 0 0 0 Table 6.3.6 (cont.) 180 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 12,004 0 0 11,778 23 0 0 0 204 0 0 0 Republic of Bashkortostan 0 0 0 0 0 0 0 0 0 0 0 0 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Mordovia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Tatarstan (Tatarstan) 0 0 0 0 0 0 0 0 0 0 0 0 Udmurt Republic 6 0 0 0 0 0 0 0 6 0 0 0 Chuvash Republic — Chuvashia 0 0 0 0 0 0 0 0 0 0 0 0 Perm Territory 11,778 0 0 11,778 0 0 0 0 0 0 0 0 Kirov Region 0 0 0 0 0 0 0 0 0 0 0 0 Nizhny Novgorod Region 0 0 0 0 0 0 0 0 0 0 0 0 Orenburg Region 23 0 0 0 23 0 0 0 0 0 0 0 Penza Region 0 0 0 0 0 0 0 0 0 0 0 0 Samara Region 0 0 0 0 0 0 0 0 0 0 0 0 Saratov Region 198 0 0 0 0 0 0 0 198 0 0 0 Ulyanovsk Region 0 0 0 0 0 0 0 0 0 0 0 0 URALS FEDERAL DISTRICT 0 0 0 0 0 0 0 0 0 0 0 0 Kurgan Region 0 0 0 0 0 0 0 0 0 0 0 0 Sverdlovsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Tyumen Region 0 0 0 0 0 0 0 0 0 0 0 0 Khanty­-Mansi Autonomous Area — Yugra 0 0 0 0 0 0 0 0 0 0 0 0 Yamal­-Nenets Autonomous Area 0 0 0 0 0 0 0 0 0 0 0 0 Tyumen Region, excluding Khanty-­Mansi Autonomous 0 0 0 0 0 0 0 0 0 0 0 0 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 0 0 0 0 0 0 0 0 0 0 0 0 SIBERIAN FEDERAL DISTRICT 10,039 10,000 10,000 0 0 0 38 0 0 0 0 0 Altai Republic 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Tuva 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Khakassia 0 0 0 0 0 0 0 0 0 0 0 0 Altai Territory 0 0 0 0 0 0 0 0 0 0 0 0 6. Regional Section Krasnoyarsk Territory 0 0 0 0 0 0 0 0 0 0 0 0 Irkutsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Kemerovo Region — Kuzbass 10,000 10,000 10,000 0 0 0 0 0 0 0 0 0 Table 6.3.6 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Novosibirsk Region 38 0 0 0 0 0 38 0 0 0 0 0 Omsk Region 0 0 0 0 0 0 0 0 0 0 0 0 Tomsk Region 0 0 0 0 0 0 0 0 0 0 0 0 FAR-EASTERN FEDERAL DISTRICT 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Buryatia 0 0 0 0 0 0 0 0 0 0 0 0 Republic of Sakha (Yakutia) 0 0 0 0 0 0 0 0 0 0 0 0 Trans­-Baikal Territory 0 0 0 0 0 0 0 0 0 0 0 0 Kamchatka Territory 0 0 0 0 0 0 0 0 0 0 0 0 Primorye Territory 0 0 0 0 0 0 0 0 0 0 0 0 Khabarovsk Territory 0 0 0 0 0 0 0 0 0 0 0 0 Amur Region 0 0 0 0 0 0 0 0 0 0 0 0 Magadan Region 0 0 0 0 0 0 0 0 0 0 0 0 Sakhalin Region 0 0 0 0 0 0 0 0 0 0 0 0 Jewish Autonomous Region 0 0 0 0 0 0 0 0 0 0 0 0 Chukotka Autonomous Area 0 0 0 0 0 0 0 0 0 0 0 0 Bank of Russia Statistical Bulletin 181 No. 3 (394) Table 6.3.7 182 Loans Extended to Small, Medium-Sized Businesses (millions of rubles) 31.01.2026 No. 3 (394) Bank of Russia Statistical Bulletin Volume of extended loans Outstanding amount of loans Of which overdue loans in foreign currency in foreign currency in foreign currency in rubles in rubles in rubles and precious metals and precious metals and precious metals small and of which small and of which small and of which small and of which small and of which small and of which medium-sized individual medium-sized individual medium-sized individual medium-sized individual medium-sized individual medium-sized individual businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs businesses entrepreneurs 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 687,625 75,810 841 30 14,398,251 1,058,107 244,803 64 615,775 80,824 6 6 CENTRAL FEDERAL DISTRICT 268,370 20,758 366 0 6,306,918 281,645 46,093 18 289,197 20,095 0 0 Belgorod Region 4,022 586 0 0 65,628 14,638 0 0 2,242 531 0 0 Bryansk Region 1,858 309 0 0 38,192 7,201 0 0 734 299 0 0 Vladimir Region 3,319 624 0 0 53,987 8,310 0 0 2,088 633 0 0 Voronezh Region 14,615 1,108 0 0 212,233 23,719 16 0 11,695 1,041 0 0 Ivanovo Region 3,597 438 35 0 43,204 6,862 197 0 1,745 511 0 0 Kaluga Region 2,445 513 0 0 51,677 5,347 4,516 0 6,140 591 0 0 Kostroma Region 1,050 304 0 0 21,202 5,993 3,804 0 1,480 132 0 0 Kursk Region 2,653 605 0 0 53,165 7,765 0 0 1,830 692 0 0 Lipetsk Region 2,876 370 0 0 59,257 6,547 0 0 3,164 406 0 0 Moscow Region 36,634 5,093 61 0 896,859 58,476 2,110 0 49,108 5,783 0 0 Orel Region 1,638 213 0 0 32,449 5,659 0 0 4,072 363 0 0 Ryazan Region 4,506 385 0 0 96,515 5,659 701 0 2,566 472 0 0 Smolensk Region 3,391 342 33 0 41,521 5,501 33 0 2,116 390 0 0 Tambov Region 1,822 331 0 0 39,259 6,242 0 0 1,523 305 0 0 Tver Region 3,359 400 0 0 77,929 4,784 0 0 1,501 431 0 0 Tula Region 3,403 546 0 0 76,158 7,450 0 0 2,689 597 0 0 Yaroslavl Region 4,576 541 0 0 62,408 6,331 909 0 2,707 408 0 0 6. Regional Section Moscow 172,605 8,050 237 0 4,385,275 95,161 33,806 18 191,796 6,507 0 0 Table 6.3.7 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 73,130 7,930 39 0 1,203,766 86,111 4,965 0 63,508 7,206 0 0 Republic of Karelia 1,465 146 0 0 22,382 3,425 0 0 935 266 0 0 Republic of Komi 759 304 0 0 10,658 4,390 0 0 1,371 460 0 0 Arkhangelsk Region 2,134 427 0 0 37,239 6,417 93 0 951 362 0 0 Nenets Autonomous Area 108 82 0 0 1,325 1,002 0 0 57 27 0 0 Arkhangelsk Region, 2,025 345 0 0 35,914 5,414 93 0 895 335 0 0 excluding Nenets Autonomous Area Vologda Region 2,898 497 0 0 39,009 6,982 0 0 1,356 451 0 0 Kaliningrad Region 7,567 686 0 0 143,139 8,442 14 0 2,350 509 0 0 Leningrad Region 5,913 1,175 0 0 144,532 12,754 0 0 3,780 1,396 0 0 Murmansk Region 1,164 336 0 0 16,605 4,567 4,034 0 1,035 409 0 0 Novgorod Region 1,237 132 0 0 9,001 2,499 0 0 514 205 0 0 Pskov Region 1,056 172 0 0 18,094 2,539 0 0 602 225 0 0 Saint Petersburg 48,936 4,055 39 0 763,107 34,096 824 0 50,613 2,922 0 0 SOUTHERN FEDERAL DISTRICT 81,985 11,034 5 0 2,125,052 179,567 143,917 0 54,616 13,392 0 0 Republic of Adygeya (Adygeya) 1,240 153 0 0 50,026 3,947 0 0 388 275 0 0 Republic of Kalmykia 1,566 1,116 0 0 21,670 16,901 0 0 1,932 1,264 0 0 Republic of Crimea 8,720 816 0 0 173,745 8,684 0 0 5,115 721 0 0 Krasnodar Territory 34,368 4,599 5 0 1,374,775 79,563 142,365 0 25,024 5,546 0 0 Astrakhan Region 3,086 587 0 0 85,280 6,633 0 0 5,291 584 0 0 Bank of Russia Statistical Bulletin Volgograd Region 5,680 857 0 0 74,564 12,226 0 0 2,630 972 0 0 Rostov Region 25,944 2,637 0 0 329,922 48,657 1,552 0 13,479 3,768 0 0 Sevastopol 1,381 271 0 0 15,070 2,956 0 0 757 261 0 0 NORTH CAUCASIAN FEDERAL DISTRICT 11,790 2,776 0 0 304,737 44,011 0 0 24,575 3,447 0 0 Republic of Daghestan 1,326 494 0 0 35,316 3,758 0 0 2,323 440 0 0 No. 3 (394) Republic of Ingushetia 68 25 0 0 4,861 288 0 0 85 21 0 0 Kabardino­-Balkar Republic 476 167 0 0 17,431 3,503 0 0 931 242 0 0 Karachay-­Cherkess Republic 485 68 0 0 30,754 1,609 0 0 6,838 319 0 0 Republic of North Ossetia — Alania 571 165 0 0 33,286 2,582 0 0 1,947 443 0 0 Chechen Republic 807 504 0 0 15,974 8,044 0 0 1,259 441 0 0 183 Stavropol Territory 8,056 1,353 0 0 167,116 24,228 0 0 11,193 1,541 0 0 Table 6.3.7 (cont.) 184 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 104,852 13,556 12 0 1,729,942 185,323 51 6 70,971 14,401 6 6 Republic of Bashkortostan 12,700 1,579 0 0 316,525 20,936 0 0 12,336 1,835 0 0 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 1,787 176 0 0 22,574 3,330 0 0 2,678 328 0 0 Republic of Mordovia 1,484 524 0 0 21,525 6,508 0 0 1,834 414 0 0 Republic of Tatarstan (Tatarstan) 20,359 1,968 0 0 380,507 23,626 0 0 11,367 1,945 0 0 Udmurt Republic 6,859 1,238 12 0 106,572 20,023 51 6 4,436 1,885 6 6 Chuvash Republic — Chuvashia 3,398 418 0 0 57,200 7,795 0 0 1,417 501 0 0 Perm Territory 9,966 1,456 0 0 142,803 18,340 0 0 5,376 1,509 0 0 Kirov Region 3,361 501 0 0 34,405 6,334 0 0 1,394 438 0 0 Nizhny Novgorod Region 14,814 1,660 0 0 181,999 17,081 0 0 8,869 1,292 0 0 Orenburg Region 4,834 776 0 0 81,229 16,475 0 0 5,450 669 0 0 Penza Region 5,027 520 0 0 86,783 10,907 0 0 1,865 719 0 0 Samara Region 12,247 1,149 0 0 186,446 13,612 0 0 7,595 1,347 0 0 Saratov Region 5,303 1,123 0 0 66,136 14,835 0 0 3,977 1,083 0 0 Ulyanovsk Region 2,713 467 0 0 45,240 5,521 0 0 2,376 436 0 0 URALS FEDERAL DISTRICT 54,390 7,178 37 0 1,065,048 90,769 599 0 43,583 8,069 0 0 Kurgan Region 1,748 419 0 0 39,164 9,988 0 0 1,208 385 0 0 Sverdlovsk Region 25,908 2,927 37 0 413,171 27,793 599 0 13,233 2,482 0 0 Tyumen Region 14,272 2,326 0 0 349,280 31,295 0 0 19,268 3,406 0 0 Khanty­-Mansi Autonomous Area — Yugra 2,815 733 0 0 48,940 11,327 0 0 4,177 1,429 0 0 Yamal­-Nenets Autonomous Area 940 350 0 0 30,611 7,290 0 0 4,087 664 0 0 Tyumen Region, excluding Khanty-­Mansi Autonomous 10,517 1,243 0 0 269,729 12,678 0 0 11,004 1,313 0 0 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 12,462 1,506 0 0 263,433 21,693 0 0 9,873 1,796 0 0 SIBERIAN FEDERAL DISTRICT 64,593 8,048 45 30 949,921 115,714 2,334 41 52,882 9,503 0 0 Altai Republic 650 97 0 0 6,546 1,241 0 0 399 109 0 0 Republic of Tuva 547 234 0 0 6,347 3,333 0 0 620 488 0 0 6. Regional Section Republic of Khakassia 1,077 292 0 0 17,933 4,443 0 0 875 362 0 0 Altai Territory 9,437 924 0 0 142,447 18,726 11 11 9,477 699 0 0 Table 6.3.7 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Krasnoyarsk Territory 11,420 1,459 4 0 164,053 19,629 72 0 11,642 1,901 0 0 Irkutsk Region 6,927 1,137 0 0 107,588 16,310 0 0 6,091 2,168 0 0 Kemerovo Region — Kuzbass 4,505 813 0 0 67,700 11,732 652 0 5,200 1,188 0 0 Novosibirsk Region 20,882 1,593 40 30 324,011 18,285 1,514 30 11,756 1,488 0 0 Omsk Region 6,476 1,180 0 0 71,104 15,722 85 0 3,769 701 0 0 Tomsk Region 2,673 319 0 0 42,193 6,294 0 0 3,053 399 0 0 FAR-EASTERN FEDERAL DISTRICT 28,516 4,530 337 0 712,866 74,965 46,843 0 16,443 4,713 0 0 Republic of Buryatia 1,800 433 0 0 40,268 8,272 0 0 1,193 569 0 0 Republic of Sakha (Yakutia) 2,138 821 0 0 63,922 11,363 0 0 1,938 744 0 0 Trans­-Baikal Territory 1,915 481 15 0 37,226 6,772 15 0 596 319 0 0 Kamchatka Territory 652 239 0 0 36,888 5,357 2,785 0 777 300 0 0 Primorye Territory 11,733 1,041 241 0 296,361 17,756 37,286 0 5,214 1,017 0 0 Khabarovsk Territory 7,014 432 81 0 134,985 8,982 6,757 0 3,079 576 0 0 Amur Region 1,582 475 0 0 29,365 7,699 0 0 854 426 0 0 Magadan Region 367 84 0 0 5,430 1,809 0 0 286 134 0 0 Sakhalin Region 965 387 0 0 51,525 5,226 0 0 2,363 570 0 0 Jewish Autonomous Region 197 107 0 0 13,426 1,013 0 0 119 40 0 0 Chukotka Autonomous Area 154 31 0 0 3,469 717 0 0 22 18 0 0 Bank of Russia Statistical Bulletin 185 No. 3 (394) Table 6.3.8 186 Outstanding Amount of Loans Granted to Resident Individuals (millions of rubles) 28.02.2026 No. 3 (394) Bank of Russia Statistical Bulletin Rubles Foreign currency including including of which: mortgage loans of which: mortgage loans of which: against the pledge of of which: against the pledge of total claims under share construction total claims under share construction housing loans including housing loans including total participation agreements total participation agreements overdue loans overdue loans including including total total overdue loans overdue loans 1 2 3 4 5 6 7 8 9 10 11 12 13 THE RUSSIAN FEDERATION 36,334,399 21,189,729 21,183,519 215,274 4,639,679 19,528 12,902 2,376 2,172 940 1 1 CENTRAL FEDERAL DISTRICT 10,958,263 6,550,512 6,548,012 64,729 1,569,716 4,909 9,073 2,014 1,821 821 1 1 Belgorod Region 292,552 161,206 161,165 1,066 35,488 100 7 1 1 0 0 0 Bryansk Region 189,621 102,627 102,608 858 21,591 59 4 0 0 0 0 0 Vladimir Region 233,668 120,029 120,001 1,039 26,112 85 48 12 11 11 0 0 Voronezh Region 456,740 255,707 255,661 2,555 46,581 194 19 4 4 4 0 0 Ivanovo Region 143,331 72,488 72,481 724 13,837 68 6 2 2 2 0 0 Kaluga Region 244,332 137,454 137,437 1,776 21,833 107 5 1 0 0 0 0 Kostroma Region 108,046 58,730 58,721 445 10,099 31 4 0 0 0 0 0 Kursk Region 197,035 110,566 110,544 685 23,082 39 7 2 2 1 0 0 Lipetsk Region 193,245 96,937 96,929 771 20,828 66 2 0 0 0 0 0 Moscow Region 2,967,712 1,794,775 1,794,097 21,117 409,265 1,322 1,299 716 670 517 1 1 Orel Region 129,194 68,436 68,424 611 12,216 44 6 0 0 0 0 0 Ryazan Region 235,970 137,115 137,056 1,256 39,038 100 5 0 0 0 0 0 Smolensk Region 156,193 80,810 80,798 667 15,726 39 40 5 0 0 0 0 Tambov Region 150,267 74,361 74,335 821 15,785 49 10 0 0 0 0 0 Tver Region 250,409 135,296 135,293 1,203 21,638 77 11 1 1 1 0 0 6. Regional Section Tula Region 332,386 186,186 186,172 1,905 50,629 227 37 28 12 0 0 0 Yaroslavl Region 229,087 123,881 123,870 1,397 22,490 33 11 8 8 4 0 0 Moscow 4,448,475 2,833,910 2,832,420 25,834 763,480 2,269 7,554 1,234 1,111 280 0 0 Table 6.3.8 (cont.) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 NORTH-WESTERN FEDERAL DISTRICT 4,022,852 2,395,587 2,395,303 19,702 488,779 1,746 2,517 166 160 62 0 0 Republic of Karelia 129,854 66,100 66,092 393 9,907 28 3 0 0 0 0 0 Republic of Komi 180,854 95,826 95,794 787 16,108 69 10 0 0 0 0 0 Arkhangelsk Region 275,352 162,877 162,865 716 37,002 104 8 0 0 0 0 0 Nenets Autonomous Area 12,267 6,450 6,450 20 1,315 0 0 0 0 0 0 0 Arkhangelsk Region, 263,085 156,426 156,416 696 35,687 104 8 0 0 0 0 0 excluding Nenets Autonomous Area Vologda Region 234,252 122,140 122,121 1,049 20,558 55 1 0 0 0 0 0 Kaliningrad Region 251,385 145,124 145,110 1,259 28,953 56 70 20 20 12 0 0 Leningrad Region 611,440 362,477 362,454 3,723 67,281 318 56 23 22 12 0 0 Murmansk Region 188,022 91,895 91,891 635 21,826 75 5 0 0 0 0 0 Novgorod Region 104,567 52,683 52,679 525 9,438 52 3 0 0 0 0 0 Pskov Region 101,658 49,915 49,910 328 10,369 30 2 0 0 0 0 0 Saint Petersburg 1,945,469 1,246,551 1,246,387 10,287 267,338 958 2,359 123 118 38 0 0 SOUTHERN FEDERAL DISTRICT 3,692,625 2,091,634 2,091,081 29,847 509,062 5,048 223 46 45 10 0 0 Republic of Adygeya (Adygeya) 110,016 57,432 57,426 887 16,408 188 4 0 0 0 0 0 Republic of Kalmykia 95,056 59,188 59,173 701 18,950 36 0 0 0 0 0 0 Republic of Crimea 218,870 120,255 120,255 1,047 39,460 106 20 1 1 0 0 0 Krasnodar Territory 1,635,821 946,729 946,504 18,230 207,896 3,766 118 33 33 5 0 0 Astrakhan Region 223,814 129,707 129,692 1,288 36,041 174 6 5 5 5 0 0 Bank of Russia Statistical Bulletin Volgograd Region 413,892 210,570 210,484 1,879 45,075 190 19 0 0 0 0 0 Rostov Region 924,341 525,239 525,035 5,442 134,509 530 56 7 7 0 0 0 Sevastopol 70,815 42,513 42,512 372 10,722 57 0 0 0 0 0 0 NORTH CAUCASIAN FEDERAL DISTRICT 1,116,223 573,905 573,751 14,039 131,006 1,152 135 13 11 0 0 0 Republic of Daghestan 197,423 102,272 102,266 4,648 30,599 430 5 0 0 0 0 0 No. 3 (394) Republic of Ingushetia 15,000 4,677 4,675 501 987 14 0 0 0 0 0 0 Kabardino­-Balkar Republic 97,248 45,985 45,952 970 10,488 61 90 0 0 0 0 0 Karachay-­Cherkess Republic 72,780 37,447 37,431 1,034 6,368 57 0 0 0 0 0 0 Republic of North Ossetia — Alania 114,362 60,751 60,736 2,281 15,700 176 4 1 0 0 0 0 Chechen Republic 80,102 37,147 37,143 1,413 5,465 27 1 0 0 0 0 0 187 Stavropol Territory 539,308 285,625 285,547 3,193 61,398 386 36 12 11 0 0 0 Table 6.3.8 (cont.) 188 (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 VOLGA FEDERAL DISTRICT 6,625,913 3,792,503 3,791,346 33,482 767,930 2,322 211 21 20 6 0 0 Republic of Bashkortostan 1,088,660 659,000 658,836 6,961 140,808 690 16 3 3 0 0 0 No. 3 (394) Bank of Russia Statistical Bulletin Mari El Republic 120,340 68,977 68,974 462 15,029 26 2 0 0 0 0 0 Republic of Mordovia 128,812 74,150 74,108 454 18,194 82 2 0 0 0 0 0 Republic of Tatarstan (Tatarstan) 1,194,023 736,308 736,117 6,574 153,350 436 11 3 3 2 0 0 Udmurt Republic 431,822 265,320 265,229 2,019 52,643 92 8 0 0 0 0 0 Chuvash Republic — Chuvashia 266,214 165,263 165,238 781 40,586 50 11 2 2 0 0 0 Perm Territory 633,318 351,259 351,091 3,121 70,277 277 18 2 1 0 0 0 Kirov Region 238,812 134,197 134,167 933 25,309 57 3 0 0 0 0 0 Nizhny Novgorod Region 629,528 333,319 333,193 1,990 68,188 69 46 5 5 1 0 0 Orenburg Region 429,140 233,711 233,682 2,565 38,106 126 5 0 0 0 0 0 Penza Region 240,672 141,524 141,369 759 31,757 44 1 0 0 0 0 0 Samara Region 611,586 309,219 309,135 3,627 57,232 177 74 3 3 3 0 0 Saratov Region 389,335 195,590 195,552 2,163 32,461 109 9 2 2 0 0 0 Ulyanovsk Region 223,651 124,666 124,656 1,073 23,990 87 5 2 2 0 0 0 URALS FEDERAL DISTRICT 3,563,724 2,084,017 2,083,236 19,550 426,474 1,407 135 28 27 0 0 0 Kurgan Region 161,766 85,338 85,325 737 16,151 88 1 0 0 0 0 0 Sverdlovsk Region 1,139,863 670,304 670,149 5,709 159,101 378 88 21 21 0 0 0 Tyumen Region 1,509,964 935,314 934,787 8,782 187,757 748 17 3 3 0 0 0 Khanty­-Mansi Autonomous Area — Yugra 679,893 428,263 427,963 4,408 79,903 263 4 3 3 0 0 0 Yamal­-Nenets Autonomous Area 253,394 153,094 153,021 1,190 34,999 90 10 0 0 0 0 0 Tyumen Region, excluding Khanty-­Mansi Autonomous 576,677 353,957 353,803 3,184 72,855 395 3 0 0 0 0 0 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 752,131 393,060 392,974 4,323 63,465 194 30 4 3 0 0 0 SIBERIAN FEDERAL DISTRICT 3,923,901 2,163,398 2,162,895 25,208 389,907 2,110 187 51 50 29 0 0 Altai Republic 43,602 17,308 17,308 135 4,600 3 0 0 0 0 0 0 Republic of Tuva 140,664 89,581 89,579 4,009 23,900 446 0 0 0 0 0 0 6. Regional Section Republic of Khakassia 120,654 66,853 66,836 899 9,765 46 0 0 0 0 0 0 Altai Territory 406,157 216,249 216,221 2,232 43,858 146 7 0 0 0 0 0 Table 6.3.8 (end) 6. Regional Section (millions of rubles) 1 2 3 4 5 6 7 8 9 10 11 12 13 Krasnoyarsk Territory 718,362 403,316 403,155 4,781 67,218 327 45 11 11 11 0 0 Irkutsk Region 575,252 306,062 305,990 3,306 43,191 169 45 15 15 0 0 0 Kemerovo Region — Kuzbass 506,532 237,548 237,469 2,245 44,164 208 23 11 11 11 0 0 Novosibirsk Region 798,787 496,764 496,694 4,762 94,140 484 33 0 0 0 0 0 Omsk Region 385,235 205,182 205,136 1,905 39,149 170 32 13 12 7 0 0 Tomsk Region 228,655 124,534 124,509 934 19,922 112 3 1 0 0 0 0 FAR-EASTERN FEDERAL DISTRICT 2,430,898 1,538,172 1,537,894 8,715 356,804 834 420 38 36 11 0 0 Republic of Buryatia 253,304 160,802 160,764 720 50,128 77 2 1 1 1 0 0 Republic of Sakha (Yakutia) 418,653 288,885 288,853 1,588 55,527 198 1 1 1 0 0 0 Trans­-Baikal Territory 247,086 144,540 144,518 796 33,804 62 2 0 0 0 0 0 Kamchatka Territory 95,897 52,002 52,001 326 11,272 22 2 1 1 0 0 0 Primorye Territory 556,417 356,123 356,076 2,167 89,007 147 379 25 23 0 0 0 Khabarovsk Territory 368,532 236,173 236,108 1,395 67,934 146 22 5 5 5 0 0 Amur Region 219,957 141,894 141,874 761 19,687 55 0 0 0 0 0 0 Magadan Region 49,131 27,482 27,481 140 4,446 26 0 0 0 0 0 0 Sakhalin Region 173,310 104,339 104,289 629 18,607 76 12 5 5 5 0 0 Jewish Autonomous Region 28,616 15,091 15,090 123 4,315 6 0 0 0 0 0 0 Chukotka Autonomous Area 19,995 10,842 10,840 70 2,076 19 0 0 0 0 0 0 . Bank of Russia Statistical Bulletin 189 No. 3 (394) Table 6.3.9 190 Selected Indicators of Loans in Rubles Granted to Resident Individuals February 2026 including No. 3 (394) Bank of Russia Statistical Bulletin housing loans of which volume mortgage loans of which of loans total, number weighted weighted against the pledge of claims under share millions volume, number weighted weighted construction participation agreements of granted average average volume, of rubles millions of granted average average loans, maturity, interest rate, millions number weighted weighted of rubles loans, maturity, interest rate, volume, units months % of rubles of granted average average units months % millions loans, maturity, interest rate, of rubles units months % 1 2 3 4 5 6 7 8 9 10 11 12 13 14 THE RUSSIAN FEDERATION 1,787,760 68,770 290,375 285.8 9.99 68,714 290,222 285.9 9.99 22,595 127,386 315.0 6.83 CENTRAL FEDERAL DISTRICT 553,836 16,094 81,817 284.3 11.16 16,092 81,806 284.3 11.17 5,083 34,382 315.0 8.01 Belgorod Region 15,107 669 2,550 294.9 9.59 669 2,550 294.9 9.59 214 1,116 330.3 6.43 Bryansk Region 10,537 486 1,748 282.0 11.18 486 1,748 282.1 11.15 125 602 314.3 7.09 Vladimir Region 12,721 545 1,734 265.7 11.97 545 1,734 265.9 11.97 105 542 313.9 7.64 Voronezh Region 22,968 858 3,120 286.5 10.16 858 3,120 286.4 10.16 257 1,161 307.3 7.70 Ivanovo Region 8,202 349 1,113 260.8 11.45 349 1,113 260.7 11.45 61 307 303.5 7.32 Kaluga Region 11,569 393 1,505 283.7 10.92 393 1,505 283.7 10.92 92 538 317.0 7.13 Kostroma Region 5,565 298 939 286.3 11.05 298 939 286.2 11.05 91 433 325.1 6.73 Kursk Region 9,928 482 1,864 284.3 8.79 481 1,862 284.3 8.78 110 572 323.7 7.38 Lipetsk Region 10,863 432 1,439 280.2 10.27 432 1,439 280.1 10.27 111 531 303.8 7.01 Moscow Region 137,509 3,758 20,445 286.1 10.94 3,758 20,445 286.2 10.95 1,133 8,289 316.3 7.62 Orel Region 6,579 243 807 267.3 11.08 243 807 267.3 11.08 51 253 312.0 6.77 Ryazan Region 11,210 527 1,945 297.1 9.33 527 1,945 297.1 9.33 243 1,122 331.4 6.92 Smolensk Region 8,839 324 1,093 276.7 11.67 324 1,093 276.7 11.67 68 352 322.9 7.76 Tambov Region 7,702 336 1,087 278.4 10.75 336 1,087 278.5 10.75 92 464 318.9 7.15 Tver Region 12,742 491 1,814 278.2 10.51 491 1,814 278.2 10.51 114 671 326.4 6.94 6. Regional Section Tula Region 15,169 637 2,400 295.1 9.78 637 2,400 295.1 9.78 236 1,240 332.0 6.63 Yaroslavl Region 12,758 544 1,729 274.3 10.66 544 1,729 274.2 10.66 163 683 304.5 7.29 Moscow 233,868 4,722 34,483 284.3 11.90 4,721 34,474 284.3 11.91 1,817 15,507 310.9 8.89 Table 6.3.9 (cont.) 6. Regional Section 1 2 3 4 5 6 7 8 9 10 11 12 13 14 NORTH-WESTERN FEDERAL DISTRICT 204,080 7,542 30,839 280.0 10.26 7,541 30,838 279.9 10.26 2,378 12,260 313.0 6.91 Republic of Karelia 7,124 301 1,003 270.8 9.68 301 1,003 270.8 9.68 90 367 310.6 6.78 Republic of Komi 9,400 419 1,295 266.7 11.33 419 1,295 266.7 11.33 89 448 321.4 6.17 Arkhangelsk Region 14,366 850 3,243 248.7 5.77 850 3,243 248.6 5.77 288 1,345 261.0 4.38 Nenets Autonomous Area 688 33 141 273.5 6.89 33 141 273.5 6.89 13 56 292.3 6.25 Arkhangelsk Region, 13,679 817 3,102 247.6 5.71 817 3,102 247.5 5.71 275 1,290 259.6 4.29 excluding Nenets Autonomous Area Vologda Region 12,196 576 1,659 266.6 11.09 576 1,659 266.6 11.09 124 557 312.7 6.11 Kaliningrad Region 14,430 469 1,791 294.2 9.23 469 1,791 294.2 9.23 200 872 314.6 6.71 Leningrad Region 27,851 1,032 4,350 293.2 10.65 1,032 4,350 293.2 10.65 313 1,723 329.3 7.17 Murmansk Region 10,508 470 1,563 247.8 11.39 470 1,563 247.8 11.39 123 592 288.5 7.32 Novgorod Region 5,851 277 852 271.4 11.75 277 852 271.4 11.75 79 320 284.4 8.84 Pskov Region 5,739 246 667 271.8 10.69 245 666 272.1 10.69 81 282 300.0 7.55 Saint Petersburg 96,614 2,902 14,417 288.9 10.79 2,902 14,417 288.9 10.79 991 5,754 324.3 7.32 SOUTHERN FEDERAL DISTRICT 187,925 7,292 32,347 316.3 8.41 7,288 32,342 316.4 8.41 3,460 18,360 340.0 6.02 Republic of Adygeya (Adygeya) 5,389 275 1,343 337.9 6.56 275 1,343 337.9 6.56 217 1,160 346.1 5.71 Republic of Kalmykia 3,765 160 851 322.5 9.18 160 851 322.5 9.18 82 509 343.7 6.43 Republic of Crimea 16,876 528 2,409 313.5 7.90 528 2,409 313.5 7.90 309 1,520 326.8 6.14 Krasnodar Territory 77,468 2,674 12,602 318.3 8.74 2,674 12,602 318.4 8.74 1,245 6,902 345.2 6.41 Astrakhan Region 9,778 532 2,208 317.2 8.72 532 2,208 317.2 8.72 159 816 340.0 5.86 Volgograd Region 22,372 915 3,174 292.7 10.37 913 3,170 292.9 10.36 298 1,444 323.7 6.71 Bank of Russia Statistical Bulletin Rostov Region 46,999 2,029 8,976 320.1 7.61 2,027 8,975 320.0 7.61 1,059 5,549 342.2 5.39 Sevastopol 5,278 179 784 301.4 8.17 179 784 301.3 8.17 91 460 310.7 5.83 NORTH CAUCASIAN FEDERAL DISTRICT 51,644 2,052 7,102 310.7 9.52 2,050 7,095 310.8 9.52 724 3,781 336.8 6.39 Republic of Daghestan 8,793 328 1,192 316.1 8.72 327 1,188 316.3 8.70 109 701 347.6 6.07 Republic of Ingushetia 910 80 112 286.4 13.40 80 112 286.4 13.40 6 54 331.8 9.79 No. 3 (394) Kabardino­-Balkar Republic 4,410 130 435 308.7 9.50 130 435 308.7 9.51 34 180 339.4 6.39 Karachay-­Cherkess Republic 3,013 129 483 325.7 10.14 129 483 325.7 10.14 51 256 345.6 6.59 Republic of North Ossetia — Alania 5,224 185 740 314.7 8.66 185 740 314.7 8.66 81 420 339.2 5.96 Chechen Republic 3,753 212 348 276.4 14.37 211 344 278.2 14.36 13 66 307.2 6.41 Stavropol Territory 25,542 988 3,793 310.4 9.37 988 3,793 310.4 9.37 430 2,104 332.4 6.48 191 Table 6.3.9 (cont.) 192 1 2 3 4 5 6 7 8 9 10 11 12 13 14 VOLGA FEDERAL DISTRICT 318,450 14,838 53,981 288.6 10.74 14,823 53,960 288.6 10.74 4,222 21,846 322.8 7.22 Republic of Bashkortostan 45,707 2,594 9,176 300.5 10.29 2,592 9,173 300.7 10.29 822 4,106 338.0 6.86 Mari El Republic 6,300 314 1,193 300.6 9.47 314 1,193 300.6 9.47 133 608 316.2 7.28 No. 3 (394) Bank of Russia Statistical Bulletin Republic of Mordovia 6,540 303 1,129 287.3 10.26 302 1,125 287.1 10.23 104 531 318.7 7.32 Republic of Tatarstan (Tatarstan) 49,014 2,315 9,647 294.1 10.44 2,304 9,638 294.2 10.45 683 4,018 326.9 7.55 Udmurt Republic 17,840 960 3,355 293.4 10.22 960 3,355 293.3 10.23 287 1,370 325.9 7.41 Chuvash Republic — Chuvashia 12,805 619 2,220 294.0 10.00 619 2,220 294.0 10.00 212 1,048 327.7 6.65 Perm Territory 32,051 1,499 5,222 292.9 9.92 1,499 5,222 293.0 9.92 494 2,425 320.7 7.05 Kirov Region 12,485 614 2,064 282.9 10.60 614 2,064 282.8 10.60 151 765 313.3 7.19 Nizhny Novgorod Region 34,752 1,367 5,270 272.2 11.21 1,367 5,270 272.2 11.21 432 2,355 309.2 7.41 Orenburg Region 21,309 1,034 4,113 281.9 12.06 1,033 4,107 281.8 12.05 272 1,365 310.1 7.57 Penza Region 11,193 503 1,692 286.9 10.46 503 1,692 287.0 10.46 138 648 317.8 6.77 Samara Region 35,216 1,303 4,350 272.4 12.25 1,303 4,350 272.3 12.25 208 1,172 315.6 6.97 Saratov Region 22,071 865 2,826 278.3 12.00 865 2,826 278.2 12.00 135 704 307.0 7.80 Ulyanovsk Region 11,165 548 1,724 289.8 11.14 548 1,724 289.8 11.14 151 732 325.4 7.51 URALS FEDERAL DISTRICT 168,745 7,749 28,302 286.9 10.46 7,717 28,194 287.2 10.44 2,216 11,125 319.0 7.32 Kurgan Region 7,987 416 1,250 288.1 10.49 415 1,248 288.4 10.49 108 478 329.6 6.24 Sverdlovsk Region 57,391 2,703 9,576 286.1 11.01 2,701 9,557 286.4 11.00 881 4,373 317.1 7.97 Tyumen Region 62,042 2,581 10,411 291.4 9.90 2,555 10,328 291.7 9.86 754 3,878 320.7 6.80 Khanty­-Mansi Autonomous Area — Yugra 26,098 1,220 4,915 288.8 10.46 1,207 4,872 289.2 10.43 314 1,639 327.4 7.28 Yamal­-Nenets Autonomous Area 9,930 443 1,998 278.1 8.87 440 1,986 277.8 8.81 176 968 297.9 6.20 Tyumen Region, excluding Khanty-­Mansi Autonomous 26,013 918 3,498 302.6 9.71 908 3,470 303.0 9.66 264 1,272 329.5 6.61 Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 41,324 2,049 7,065 281.3 10.53 2,046 7,061 281.4 10.53 473 2,396 317.7 7.22 SIBERIAN FEDERAL DISTRICT 195,102 7,667 28,387 284.5 10.14 7,667 28,387 284.5 10.14 2,075 11,106 326.5 6.73 Altai Republic 2,321 104 326 300.7 7.87 104 326 300.7 7.87 36 180 327.3 6.10 Republic of Tuva 3,331 193 929 330.3 6.30 193 929 330.3 6.30 121 675 343.9 4.89 Republic of Khakassia 6,057 258 945 306.0 8.39 258 945 305.9 8.39 66 344 336.6 5.85 6. Regional Section Altai Territory 20,768 860 2,620 276.8 10.91 860 2,620 276.8 10.91 227 1,065 320.7 6.84 Krasnoyarsk Territory 35,995 1,466 5,476 278.8 9.55 1,466 5,476 278.8 9.55 389 2,029 321.2 6.42 Table 6.3.9 (end) 6. Regional Section 1 2 3 4 5 6 7 8 9 10 11 12 13 14 Irkutsk Region 28,957 1,048 3,839 281.0 10.70 1,048 3,839 281.1 10.68 240 1,226 329.6 6.70 Kemerovo Region — Kuzbass 27,048 963 3,234 276.8 10.47 963 3,234 276.8 10.47 218 1,202 325.6 6.76 Novosibirsk Region 37,406 1,439 5,990 290.1 10.32 1,439 5,990 290.1 10.32 474 2,608 327.8 7.24 Omsk Region 21,068 903 3,334 280.8 11.26 903 3,334 280.8 11.26 207 1,200 325.2 7.03 Tomsk Region 12,151 433 1,693 285.3 10.21 433 1,693 285.3 10.21 97 578 320.8 7.71 FAR-EASTERN FEDERAL DISTRICT 107,978 5,536 27,600 249.5 5.72 5,536 27,600 249.5 5.72 2,437 14,525 256.1 3.73 Republic of Buryatia 11,748 680 3,249 255.9 4.99 680 3,249 256.0 4.99 364 2,135 261.8 3.62 Republic of Sakha (Yakutia) 13,463 667 3,531 250.7 5.00 667 3,531 250.7 5.01 341 2,082 253.8 3.59 Trans­-Baikal Territory 11,724 644 3,151 257.6 5.57 644 3,151 257.6 5.58 341 1,952 264.0 3.95 Kamchatka Territory 5,015 184 769 251.8 9.18 184 769 251.8 9.18 54 341 272.4 4.24 Primorye Territory 25,146 1,262 6,379 247.0 5.16 1,262 6,379 247.0 5.16 579 3,417 250.9 3.53 Khabarovsk Territory 17,732 934 4,511 245.5 6.92 934 4,511 245.5 6.92 449 2,727 249.8 3.41 Amur Region 10,021 581 3,005 244.7 5.36 581 3,005 244.7 5.37 117 717 259.5 4.66 Magadan Region 2,690 127 577 238.7 9.23 127 577 238.7 9.23 26 149 268.6 7.67 Sakhalin Region 7,930 337 1,863 247.9 5.01 337 1,863 247.7 5.01 122 746 257.1 3.41 Jewish Autonomous Region 1,624 88 400 254.2 6.83 88 400 254.2 6.83 35 213 248.4 2.67 Chukotka Autonomous Area 885 32 165 262.8 10.75 32 165 262.8 10.75 9 47 320.4 12.50 Bank of Russia Statistical Bulletin 193 No. 3 (394) Table 6.3.10 194 Selected Indicators of Loans in Foreign Currency Granted to Resident Individuals February 2026 including No. 3 (394) Bank of Russia Statistical Bulletin housing loans of which volume mortgage loans of which of loans total, number weighted weighted against the pledge of claims under share millions volume, number weighted weighted construction participation agreements of granted average average volume, of rubles millions of granted average average loans, maturity, interest rate, millions number weighted weighted of rubles loans, maturity, interest rate, volume, units months % of rubles of granted average average units months % millions loans, maturity, interest rate, of rubles units months % 1 2 3 4 5 6 7 8 9 10 11 12 13 14 THE RUSSIAN FEDERATION 24 — — — — — — — — — — — — CENTRAL FEDERAL DISTRICT 18 — — — — — — — — — — — — Belgorod Region — — — — — — — — — — — — — Bryansk Region — — — — — — — — — — — — — Vladimir Region 0 — — — — — — — — — — — — Voronezh Region 0 — — — — — — — — — — — — Ivanovo Region 0 — — — — — — — — — — — — Kaluga Region — — — — — — — — — — — — — Kostroma Region 0 — — — — — — — — — — — — Kursk Region 0 — — — — — — — — — — — — Lipetsk Region 0 — — — — — — — — — — — — Moscow Region 1 — — — — — — — — — — — — Orel Region — — — — — — — — — — — — — Ryazan Region — — — — — — — — — — — — — Smolensk Region — — — — — — — — — — — — — Tambov Region — — — — — — — — — — — — — Tver Region 0 — — — — — — — — — — — — 6. Regional Section Tula Region 0 — — — — — — — — — — — — Yaroslavl Region — — — — — — — — — — — — — Moscow 17 — — — — — — — — — — — — Table 6.3.10 (cont.) 6. Regional Section 1 2 3 4 5 6 7 8 9 10 11 12 13 14 NORTH-WESTERN FEDERAL DISTRICT 3 — — — — — — — — — — — — Republic of Karelia — — — — — — — — — — — — — Republic of Komi — — — — — — — — — — — — — Arkhangelsk Region — — — — — — — — — — — — — Nenets Autonomous Area — — — — — — — — — — — — — Arkhangelsk Region, — — — — — — — — — — — — — excluding Nenets Autonomous Area Vologda Region — — — — — — — — — — — — — Kaliningrad Region 0 — — — — — — — — — — — — Leningrad Region 0 — — — — — — — — — — — — Murmansk Region 0 — — — — — — — — — — — — Novgorod Region 0 — — — — — — — — — — — — Pskov Region — — — — — — — — — — — — — Saint Petersburg 2 — — — — — — — — — — — — SOUTHERN FEDERAL DISTRICT 1 — — — — — — — — — — — — Republic of Adygeya (Adygeya) — — — — — — — — — — — — — Republic of Kalmykia — — — — — — — — — — — — — Republic of Crimea — — — — — — — — — — — — — Krasnodar Territory 1 — — — — — — — — — — — — Astrakhan Region 0 — — — — — — — — — — — — Volgograd Region 0 — — — — — — — — — — — — Bank of Russia Statistical Bulletin Rostov Region 0 — — — — — — — — — — — — Sevastopol — — — — — — — — — — — — — NORTH CAUCASIAN FEDERAL DISTRICT 1 — — — — — — — — — — — — Republic of Daghestan — — — — — — — — — — — — — Republic of Ingushetia — — — — — — — — — — — — — No. 3 (394) Kabardino­-Balkar Republic 0 — — — — — — — — — — — — Karachay-­Cherkess Republic — — — — — — — — — — — — — Republic of North Ossetia — Alania — — — — — — — — — — — — — Chechen Republic 0 — — — — — — — — — — — — Stavropol Territory 1 — — — — — — — — — — — — 195 Table 6.3.10 (cont.) 196 1 2 3 4 5 6 7 8 9 10 11 12 13 14 VOLGA FEDERAL DISTRICT 1 — — — — — — — — — — — — Republic of Bashkortostan 0 — — — — — — — — — — — — Mari El Republic — — — — — — — — — — — — — No. 3 (394) Bank of Russia Statistical Bulletin Republic of Mordovia — — — — — — — — — — — — — Republic of Tatarstan (Tatarstan) 0 — — — — — — — — — — — — Udmurt Republic 0 — — — — — — — — — — — — Chuvash Republic — Chuvashia — — — — — — — — — — — — — Perm Territory 1 — — — — — — — — — — — — Kirov Region 0 — — — — — — — — — — — — Nizhny Novgorod Region 0 — — — — — — — — — — — — Orenburg Region — — — — — — — — — — — — — Penza Region — — — — — — — — — — — — — Samara Region 0 — — — — — — — — — — — — Saratov Region 0 — — — — — — — — — — — — Ulyanovsk Region — — — — — — — — — — — — — URALS FEDERAL DISTRICT 0 — — — — — — — — — — — — Kurgan Region 0 — — — — — — — — — — — — Sverdlovsk Region 0 — — — — — — — — — — — — Tyumen Region 0 — — — — — — — — — — — — Khanty­-Mansi Autonomous Area — Yugra — — — — — — — — — — — — — Yamal­-Nenets Autonomous Area 0 — — — — — — — — — — — — Tyumen Region, excluding Khanty-­Mansi Autonomous — — — — — — — — — — — — — Area — Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 0 — — — — — — — — — — — — SIBERIAN FEDERAL DISTRICT 0 — — — — — — — — — — — — Altai Republic — — — — — — — — — — — — — Republic of Tuva — — — — — — — — — — — — — Republic of Khakassia 0 — — — — — — — — — — — — 6. Regional Section Altai Territory — — — — — — — — — — — — — Krasnoyarsk Territory 0 — — — — — — — — — — — — Table 6.3.10 (end) 6. Regional Section 1 2 3 4 5 6 7 8 9 10 11 12 13 14 Irkutsk Region 0 — — — — — — — — — — — — Kemerovo Region — Kuzbass 0 — — — — — — — — — — — — Novosibirsk Region 0 — — — — — — — — — — — — Omsk Region 0 — — — — — — — — — — — — Tomsk Region 0 — — — — — — — — — — — — FAR-EASTERN FEDERAL DISTRICT 1 — — — — — — — — — — — — Republic of Buryatia — — — — — — — — — — — — — Republic of Sakha (Yakutia) — — — — — — — — — — — — — Trans­-Baikal Territory 0 — — — — — — — — — — — — Kamchatka Territory — — — — — — — — — — — — — Primorye Territory 0 — — — — — — — — — — — — Khabarovsk Territory 0 — — — — — — — — — — — — Amur Region — — — — — — — — — — — — — Magadan Region — — — — — — — — — — — — — Sakhalin Region 0 — — — — — — — — — — — — Jewish Autonomous Region — — — — — — — — — — — — — Chukotka Autonomous Area — — — — — — — — — — — — — Bank of Russia Statistical Bulletin 197 No. 3 (394) 198 Bank of Russia Statistical Bulletin No. 3 (394) 6. Regional Section 6.4. Data on the Activity of Insurers and Private Pension Funds Table 6.4.1 Insurers’ Premiums and Payoffs (millions of rubles) 9 months 2025 2025 insurance payouts insurance payouts premiums premiums under insurance under insurance under insurance under insurance contracts contracts contracts contracts 1 2 3 4 5 THE RUSSIAN FEDERATION 2,761,644.3 1,767,626.1 3,975,693.7 2,548,566.8 CENTRAL FEDERAL DISTRICT1 1,603,658.8 956,944.2 2,308,561.3 1,384,551.7 Belgorod Region 23,014.6 11,163.8 48,269.7 35,710.4 Bryansk Region 5,447.1 4,047.0 8,137.9 5,384.5 Vladimir Region 10,081.9 7,074.3 14,518.7 11,855.3 Voronezh Region 20,479.7 14,695.2 30,703.8 20,700.5 Ivanovo Region 9,054.1 7,101.3 13,209.5 9,037.6 Kaluga Region 10,972.8 7,197.3 18,352.6 10,480.6 Kostroma Region 7,127.4 2,690.5 8,963.7 4,006.3 Kursk Region 6,402.7 3,938.7 9,264.4 5,513.1 Lipetsk Region 7,643.9 5,847.8 11,688.3 8,162.4 Moscow Region 63,839.4 35,512.0 104,639.0 52,073.9 Orel Region 3,562.3 2,244.2 5,276.7 3,123.1 Ryazan Region 10,505.5 7,921.7 15,296.7 10,828.5 Smolensk Region 6,294.7 4,480.2 9,170.5 6,556.5 Tambov Region 4,032.0 2,648.1 6,142.4 3,946.4 Tver Region 9,621.1 6,318.7 14,483.5 9,316.5 Tula Region 11,583.0 7,920.4 17,400.8 10,881.2 Yaroslavl Region 10,698.6 8,632.0 16,081.5 11,693.5 Moscow 1,383,291.0 817,509.4 1,956,952.3 1,165,279.6 NORTH-WESTERN FEDERAL DISTRICT 331,333.5 241,648.8 474,301.4 332,883.6 Republic of Karelia 3,880.9 2,773.1 5,870.0 3,758.8 Republic of Komi 6,336.3 4,298.7 9,260.7 5,965.7 Arkhangelsk Region 24,016.6 18,428.8 31,403.3 20,861.2 Nenets Autonomous Area 116.8 59.8 149.1 86.4 Arkhangelsk Region, excluding Nenets Autonomous Area 23,899.7 18,369.0 31,254.1 20,774.7 Vologda Region 12,644.8 10,032.7 21,885.8 13,864.3 Kaliningrad Region 12,317.9 8,565.6 17,226.5 11,445.9 Leningrad Region 7,092.4 3,538.9 9,909.7 5,056.7 Murmansk Region 8,265.8 4,474.7 13,263.2 7,956.2 Novgorod Region 3,809.6 4,102.1 5,055.9 5,141.8 Pskov Region 3,170.8 1,620.0 4,467.2 2,510.8 Saint Petersburg 249,798.5 183,814.3 355,959.3 256,322.2 SOUTHERN FEDERAL DISTRICT 138,629.7 93,048.7 203,144.4 148,647.7 Republic of Adygeya (Adygeya) 1,034.7 680.3 1,554.6 1,035.5 Republic of Kalmykia 532.3 371.5 791.2 544.0 Republic of Crimea 3,779.7 2,121.1 5,959.3 2,781.8 Krasnodar Territory 62,021.7 43,997.2 90,503.3 70,400.8 Astrakhan Region 5,763.5 4,075.3 8,784.4 5,967.5 Volgograd Region 15,758.5 9,898.1 22,654.8 15,175.3 Rostov Region 48,831.8 31,479.4 71,596.5 52,113.7 Sevastopol 907.4 425.7 1,300.4 629.3 NORTH CAUCASIAN FEDERAL DISTRICT 34,885.5 34,868.4 51,627.3 52,268.8 Republic of Daghestan 4,739.2 5,721.1 6,781.1 8,061.7 Republic of Ingushetia 153.9 606.4 230.9 913.3 Kabardino­-Balkar Republic 3,217.0 2,242.0 5,070.9 5,134.0 Karachay-­Cherkess Republic 1,432.4 1,555.7 1,919.6 1,984.4 Republic of North Ossetia — Alania 2,092.6 2,005.0 3,608.1 3,619.9 Chechen Republic 874.7 900.5 1,226.8 1,303.0 Stavropol Territory 22,375.7 21,837.7 32,790.0 31,252.6 6. Regional Section Bank of Russia Statistical Bulletin No. 3 (394) 199 Table 6.4.1 (end) (millions of rubles) 1 2 3 4 5 VOLGA FEDERAL DISTRICT 278,528.6 182,773.5 398,237.8 271,464.2 Republic of Bashkortostan 38,347.3 23,571.4 51,308.0 31,397.5 Mari El Republic 4,273.2 2,241.6 5,857.5 3,376.1 Republic of Mordovia 5,048.9 3,441.6 7,206.0 5,093.8 Republic of Tatarstan (Tatarstan) 55,505.9 34,303.7 80,740.8 54,446.3 Udmurt Republic 12,424.8 7,072.0 19,613.5 11,500.5 Chuvash Republic — Chuvashia 8,569.7 6,192.3 13,265.9 8,189.7 Perm Territory 30,500.4 21,764.8 43,174.2 34,204.3 Kirov Region 10,010.5 6,470.0 14,149.3 9,476.4 Nizhny Novgorod Region 30,126.9 18,992.7 43,733.2 27,637.9 Orenburg Region 12,015.8 6,923.1 18,068.0 10,420.0 Penza Region 9,470.9 6,616.6 13,127.2 9,636.9 Samara Region 36,814.0 23,243.7 51,334.2 36,468.3 Saratov Region 15,750.0 15,533.4 23,189.8 20,700.4 Ulyanovsk Region 9,670.4 6,406.6 13,470.1 8,916.0 URALS FEDERAL DISTRICT 148,920.6 95,726.9 211,449.2 131,058.6 Kurgan Region 4,331.9 2,713.2 5,977.9 3,769.6 Sverdlovsk Region 45,774.2 28,586.3 65,610.7 39,812.5 Tyumen Region 63,102.2 42,229.9 91,168.3 56,818.8 Khanty­-Mansi Autonomous Area — Yugra 19,665.7 12,866.9 26,144.3 17,011.5 Yamal­-Nenets Autonomous Area 9,321.8 3,646.6 13,361.0 5,250.0 Tyumen Region, excluding Khanty-­Mansi Autonomous Area — Yugra 34,114.6 25,716.4 51,663.0 34,557.3 and Yamal­-Nenets Autonomous Area Chelyabinsk Region 35,712.3 22,197.4 48,692.2 30,657.7 SIBERIAN FEDERAL DISTRICT 144,512.1 98,383.0 208,138.8 141,832.6 Altai Republic 472.9 348.3 783.4 464.0 Republic of Tuva 591.7 537.9 898.1 755.8 Republic of Khakassia 2,472.4 2,889.7 3,304.8 3,554.6 Altai Territory 15,773.8 9,996.6 23,049.8 13,971.4 Krasnoyarsk Territory 26,245.4 18,972.2 37,945.2 27,749.4 Irkutsk Region 22,015.9 14,733.2 31,229.1 21,256.1 Kemerovo Region — Kuzbass 20,416.4 12,345.6 27,792.1 16,869.9 Novosibirsk Region 33,920.0 22,699.9 50,549.4 34,606.4 Omsk Region 13,021.8 7,831.2 18,773.0 11,892.7 Tomsk Region 9,581.8 8,028.4 13,813.7 10,712.4 FAR-EASTERN FEDERAL DISTRICT 77,850.6 63,558.8 114,228.4 84,817.3 Republic of Buryatia 4,266.6 3,401.2 6,034.2 4,716.8 Republic of Sakha (Yakutia) 6,090.0 3,739.4 8,394.4 5,534.2 Trans­-Baikal Territory 4,149.4 4,103.4 6,209.1 5,226.8 Kamchatka Territory 2,818.7 2,942.0 4,725.7 4,181.0 Primorye Territory 24,451.0 18,720.8 35,848.8 26,072.8 Khabarovsk Territory 18,913.0 14,989.3 29,010.2 19,944.6 Amur Region 5,727.0 4,209.3 7,689.4 5,907.2 Magadan Region 6,410.7 8,359.0 9,132.0 8,945.5 Sakhalin Region 4,549.8 2,761.4 6,533.4 3,828.8 Jewish Autonomous Region 330.3 267.3 468.6 367.0 Chukotka Autonomous Area 144.1 65.8 182.6 92.5 OUTSIDE THE RUSSIAN FEDERATION 795.3 273.3 1,033.3 373.6 1 The Central Federal District indicators include data on the city of Baikonur, that is regarded as the city of federal importance, according to the Article 1 of The agreement between the Russian Federation and the Republic of Kazakhstan on the status of the city of Baikonur, the procedure of forming of executive bodies and their status. Table 6.4.2 200 Private Pension Funds’ Performance Q3 2025 number number of participants number No. 3 (394) Bank of Russia Statistical Bulletin pension reserves, contributions, payouts, pension savings, of participants, receiving regular benefits, of insured persons, millions of rubles millions of rubles millions of rubles millions of rubles persons persons persons 1 2 3 4 5 6 7 8 THE RUSSIAN FEDERATION 2,160,621.0 13,217,983 433,762.4 118,391.9 1,553,156 3,064,472.3 35,228,955 CENTRAL FEDERAL DISTRICT 743,229.1 3,675,284 146,817.2 36,318.5 363,400 844,334.0 7,833,507 Belgorod Region 9,568.4 153,588 4,353.5 837.2 6,037 34,461.5 441,275 Bryansk Region 15,086.6 98,500 3,018.2 757.2 6,661 18,284.3 276,531 Vladimir Region 9,289.3 112,949 3,558.1 611.5 4,826 27,913.8 358,641 Voronezh Region 15,571.5 187,545 5,359.9 1,182.6 10,947 37,149.1 552,013 Ivanovo Region 3,653.1 61,346 1,982.8 273.8 1,500 15,164.3 246,113 Kaluga Region 5,831.6 68,786 2,097.6 353.0 3,105 21,761.0 235,669 Kostroma Region 3,805.5 45,757 1,401.9 288.6 2,200 12,583.0 192,510 Kursk Region 6,419.3 89,326 2,269.8 518.0 6,262 19,933.1 301,091 Lipetsk Region 9,430.8 95,578 2,843.8 564.1 5,463 22,888.7 310,985 Moscow Region 118,460.1 581,161 24,009.4 7,633.2 47,690 201,869.6 1,398,362 Orel Region 4,935.2 69,424 1,996.8 412.7 2,129 12,943.8 190,987 Ryazan Region 9,933.4 91,201 2,915.2 550.1 6,926 20,325.7 252,258 Smolensk Region 7,068.0 68,622 2,097.7 411.8 4,690 17,032.2 224,506 Tambov Region 5,241.1 64,951 1,707.3 348.5 4,022 14,807.4 250,461 Tver Region 8,448.8 87,168 2,942.8 459.4 3,816 24,589.2 278,416 Tula Region 10,733.5 119,814 3,854.3 759.9 7,798 32,271.2 383,118 Yaroslavl Region 22,634.2 103,792 5,525.5 700.5 7,306 28,938.5 349,624 Moscow 477,118.7 1,575,776 74,882.5 19,656.3 232,022 281,417.6 1,590,947 NORTH-WESTERN FEDERAL DISTRICT 197,810.2 1,217,645 43,644.7 11,720.0 132,621 348,672.7 3,425,948 Republic of Karelia 9,485.1 61,163 1,944.1 675.5 7,063 14,713.2 179,708 Republic of Komi 34,938.9 110,187 4,170.9 1,851.6 15,960 29,915.2 300,867 Arkhangelsk Region 16,928.6 117,100 3,624.7 853.2 10,302 31,861.6 374,164 6. Regional Section Nenets Autonomous Area 559.1 5,445 214.1 22.1 157 1,806.6 10,023 Arkhangelsk Region, excluding Nenets Autonomous Area 16,369.4 111,655 3,410.6 831.1 10,145 30,055.0 364,141 Vologda Region 11,241.2 140,749 3,399.8 801.4 23,344 32,930.4 372,623 Kaliningrad Region 6,512.8 71,689 2,465.8 447.8 4,196 19,847.8 273,938 Leningrad Region 22,664.8 145,318 5,307.7 1,318.2 12,935 43,744.7 403,845 Table 6.4.2 (cont.) 6. Regional Section 1 2 3 4 5 6 7 8 Murmansk Region 11,532.5 77,028 2,410.8 617.8 6,329 24,789.0 249,363 Novgorod Region 3,767.8 36,675 1,320.3 276.3 1,787 13,914.1 161,926 Pskov Region 4,357.0 43,433 1,261.5 269.3 2,554 11,304.2 161,447 Saint Petersburg 76,381.6 414,303 17,739.1 4,608.9 48,151 125,652.5 948,067 SOUTHERN FEDERAL DISTRICT 117,199.0 1,055,257 29,131.3 7,259.5 75,116 246,510.5 3,578,595 Republic of Adygeya (Adygeya) 974.3 21,911 502.6 76.4 395 5,443.4 92,846 Republic of Kalmykia 755.6 21,365 449.2 65.4 253 2,946.3 59,036 Republic of Crimea 1,671.7 43,353 1,105.5 104.9 105 183.1 8,668 Krasnodar Territory 53,319.7 408,506 11,578.5 3,108.3 36,950 97,132.7 1,304,887 Astrakhan Region 15,664.8 91,035 2,362.9 1,039.1 9,278 19,113.0 316,688 Volgograd Region 19,208.9 163,340 4,778.5 1,386.3 12,287 49,473.0 747,656 Rostov Region 24,988.9 291,633 7,947.0 1,439.8 15,808 72,110.8 1,046,901 Sevastopol 615.0 14,114 407.1 39.3 40 108.2 1,913 NORTH CAUCASIAN FEDERAL DISTRICT 29,047.0 364,254 7,496.9 1,859.0 16,332 54,704.2 1,072,083 Republic of Daghestan 4,661.3 55,336 855.8 247.4 2,226 6,321.6 176,281 Republic of Ingushetia 125.2 9,946 62.4 10.0 61 384.9 15,002 Kabardino­-Balkar Republic 1,319.2 29,330 450.1 76.3 812 4,678.8 123,221 Karachay-­Cherkess Republic 734.0 20,630 322.7 36.3 327 2,787.7 56,946 Republic of North Ossetia — Alania 1,267.0 30,170 508.7 110.6 690 3,872.6 101,988 Chechen Republic 1,928.5 20,951 195.7 99.7 1,791 1,852.5 54,109 Stavropol Territory 19,011.8 197,891 5,101.4 1,278.6 10,425 34,806.2 544,536 VOLGA FEDERAL DISTRICT 344,713.9 3,157,202 84,366.5 22,054.7 345,185 636,197.3 8,770,859 Republic of Bashkortostan 51,732.1 355,882 10,982.4 3,005.2 29,767 93,522.3 1,246,350 Bank of Russia Statistical Bulletin Mari El Republic 2,746.0 56,600 1,699.8 179.5 718 11,335.9 207,800 Republic of Mordovia 4,543.8 61,646 1,835.8 377.3 2,653 13,618.8 198,594 Republic of Tatarstan (Tatarstan) 58,058.3 530,711 12,702.7 3,766.2 110,218 91,851.5 1,194,899 Udmurt Republic 12,741.9 154,436 4,986.6 1,067.9 12,036 36,545.3 543,197 Chuvash Republic — Chuvashia 7,091.4 124,808 3,677.9 452.0 3,024 23,166.7 389,002 Perm Territory 31,372.0 315,973 8,553.9 2,084.3 31,823 66,074.9 843,069 No. 3 (394) Kirov Region 8,235.7 106,510 2,928.6 555.6 4,793 26,266.4 383,863 Nizhny Novgorod Region 52,800.8 482,678 11,381.3 3,347.7 63,976 75,127.8 930,310 Orenburg Region 28,048.5 191,106 4,771.3 1,702.5 18,930 42,556.4 629,098 Penza Region 7,166.9 98,936 2,785.7 536.0 6,138 20,760.3 339,846 Samara Region 47,706.0 381,096 10,071.0 2,888.0 36,613 71,465.8 826,623 201 Saratov Region 25,786.8 209,861 5,305.5 1,557.9 20,300 42,938.2 694,361 Ulyanovsk Region 6,683.7 86,959 2,684.0 534.6 4,196 20,967.1 343,847 Table 6.4.2 (end) 202 1 2 3 4 5 6 7 8 URALS FEDERAL DISTRICT 368,231.9 1,584,077 54,112.4 20,645.2 405,030 370,094.2 3,678,098 Kurgan Region 6,463.0 67,228 1,747.4 354.0 4,498 15,496.1 273,617 Sverdlovsk Region 48,619.1 409,391 11,705.8 2,573.7 47,167 119,656.7 1,294,446 No. 3 (394) Bank of Russia Statistical Bulletin Tyumen Region 284,044.0 853,316 32,983.1 16,130.1 327,336 162,325.9 1,167,751 Khanty­-Mansi Autonomous Area — Yugra 148,556.8 597,032 17,540.7 9,365.0 280,670 88,848.3 563,951 Yamal­-Nenets Autonomous Area 93,011.4 101,068 8,604.7 5,055.7 34,782 30,023.6 159,180 Tyumen Region, excluding Khanty-­Mansi Autonomous Area — 42,475.9 155,216 6,837.7 1,709.4 11,884 43,454.0 444,620 Yugra and Yamal­-Nenets Autonomous Area Chelyabinsk Region 29,105.8 254,142 7,676.1 1,587.4 26,029 72,615.5 942,284 SIBERIAN FEDERAL DISTRICT 196,894.4 1,416,971 43,906.6 10,157.9 131,181 369,826.4 4,755,896 Altai Republic 374.0 11,133 261.3 18.5 73 2,372.7 47,660 Republic of Tuva 237.9 11,746 150.4 8.3 14 2,595.6 63,014 Republic of Khakassia 4,759.7 32,121 917.5 204.3 2,319 8,865.1 119,502 Altai Territory 10,537.6 135,714 4,043.3 772.3 6,534 34,294.5 651,857 Krasnoyarsk Territory 54,287.4 324,753 9,365.6 2,544.6 30,951 75,039.4 795,131 Irkutsk Region 46,901.5 247,566 8,734.2 2,320.2 27,129 56,466.1 692,970 Kemerovo Region — Kuzbass 20,618.4 242,194 6,218.0 1,093.2 24,994 62,410.1 754,398 Novosibirsk Region 24,941.4 205,562 6,380.9 1,447.2 23,012 58,325.7 728,105 Omsk Region 20,263.4 131,284 4,557.1 943.9 8,609 42,104.4 605,859 Tomsk Region 13,973.3 74,898 3,278.3 805.4 7,546 27,352.7 297,400 FAR-EASTERN FEDERAL DISTRICT 162,336.8 717,439 23,324.8 8,314.2 84,273 193,949.4 2,112,848 Republic of Buryatia 12,440.3 89,147 2,177.6 598.3 6,426 19,242.1 294,058 Republic of Sakha (Yakutia) 38,431.6 81,289 2,352.2 2,471.7 25,497 24,770.8 236,959 Trans­-Baikal Territory 24,419.8 108,119 3,181.3 974.5 11,932 22,155.3 293,410 Kamchatka Territory 1,468.3 16,884 740.1 108.9 348 9,172.5 74,238 Primorye Territory 20,161.7 135,063 4,524.7 1,061.9 11,015 37,391.6 434,127 Khabarovsk Territory 29,693.8 134,484 5,082.2 1,427.4 11,366 36,292.7 348,680 Amur Region 19,435.8 83,246 2,677.1 879.7 9,347 19,944.9 221,255 Magadan Region 941.9 10,372 366.9 66.3 325 4,895.5 35,489 Sakhalin Region 11,963.0 41,245 1,733.0 586.1 6,519 15,185.3 121,709 6. Regional Section Jewish Autonomous Region 3,235.7 14,957 411.6 126.2 1,407 3,660.1 45,820 Chukotka Autonomous Area 144.8 2,633 78.2 13.1 91 1,238.4 7,103 THE CITY OF BAIKONUR1 15.5 303 10.0 0.4 0 179.6 1,065 FOREIGN STATES (MEMO) 1,111.3 3,168 97.7 70.3 984 120.4 1,415 1 The city of Baikonur is regarded as the city of federal importance, according to the Article 1 of The agreement between the Russian Federation and the Republic of Kazakhstan on the status of the city of Baikonur, the procedure of forming of executive bodies and their status. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 203 7. SUMMARY METHODOLOGY Section 1. Main Macroeconomic and Monetary Indicators Table 1.1 Individual Indicators Highlights Balance of Payments of the Russian Federation 1. Current account represents a balance of transactions be- General Provisions tween Russian Federation residents and non-residents in goods and services, primary income (compensation of employees, in- The balance of payments of the Russian Federation (hereafter vestment income, and rent) and secondary income. referred to as the balance of payments) is a statistical statement, 1.1. Goods and services. Recorded under this item is the which reflects all economic transactions between Russian Fed- net value of exports and imports of goods whose ownership eration residents and non-residents within a reporting period. rights were transferred within a reporting period from residents The table ‘Balance of Payments of the Russian Federation’ is to non-residents (exports) and from non-residents to residents compiled and published by the Bank of Russia quarterly. (imports), as well as the net value of services exports and imports Balance of payments data are used for elaborating the mon- which were provided by residents to non-residents (exports) etary policy of the state. and received by residents from non-residents (imports) within The balance of payments is compiled by the Bank of Russia a reporting period. based on its competence embedded in Federal Law No. 86‑FZ, The item ‘Goods’ aggregates are compiled using merchandise dated 10 July 2002, ‘On the Central Bank of the Russian Feder- exports/imports transactions’ data recorded by the FCS of Russia, ation (Bank of Russia)’ (as amended), Federal Law No. 282‑FZ, as supplemented and adjusted, and used by the Bank of Russia dated 29 November 2007, ‘On Official Statistical Accounting and in accordance with the aggregate compilation methodology. State Statistics System in the Russian Federation’ (as amended), 1.2. Primary income represents a balance on compensation and provisions under Russian Federation Government Resolution of employees (a balance on remuneration of resident workers No. 1226, dated 26 September 1997, ‘On the Russian Federation’s that are temporarily employed in a foreign economy and earnings Adherence to the Special Data Dissemination Standard of the of non-residents working in the Russian Federation), investment International Monetary Fund (IMF)’, Russian Federation Govern- income (a balance on income of Russian Federation residents ment Resolution No. 849, dated 18 July 1994, ‘On Procedure for earned on foreign financial assets owned by them (in the form Compiling and Submitting the Balance of Payments of the Rus- of direct, portfolio and other investment) and similar income sian Federation’, and Russian Federation Government Directive payable to non-residents resulting from their investments in the No. 671‑r, dated 6 May 2008, ‘On Approving the Federal Plan of economy of the Russian Federation), and rent which reflects a Statistical Activities’. balance on income receivable and payable from leasing for the The methodological basis for the balance of payments is set use of land and natural resources. out in the sixth edition of the IMF’s Balance of Payments and 1.3. Secondary income represents a balance on current International Investment Position Manual (BPM6). transfers between residents and non-residents. Sources of information are comprised of official statistics A transfer is an economic transaction resulting in provision and administrative data on foreign economic transactions of without a quid pro quo by one institutional unit to another of a Russian residents which are routinely received by the Bank commodity, service, asset or ownership rights without any coun- of Russia from Russia’s Ministry of Finance (Minfin of Russia), terparts thereof being received in return as an equivalent. Current Federal Customs Service (FCS of Russia), Federal Service for transfers are those that augment the disposable income and State Statistics (Rosstat), Ministry of the Interior of the Russian potential consumption power of a recipient country’s residents, Federation (MVD), Ministry of Civil Defence, Emergencies and and reduce the disposable income and potential consumption Disaster Relief of the Russian Federation (MChS), Frontier Service power of a donor country’s residents. of the Federal Security Service, Ministry of Energy (Minenego), 2. Capital account includes a balance on the acquisition/dis- Ministry of Transport (Mintrans); reporting forms of credit insti- posal of non-produced non-financial assets, as well as a balance tutions and other financial corporations; primary statistical data on transactions in capital transfers between Russian Federation of non-financial corporations; Russia’s trading partner country residents and non-residents. statistics; as well as the Bank of Russia’s administrative data, Acquisition/disposal of non-produced non-financial assets own data and estimation system. reflects the acquisition and disposal of assets that are not the An exhaustive list of reporting forms used to compile the result of production (land and its subsoil) and (or) assets of balance of payments and other information of reference are intangible nature such as patents, copyrights, trademarks, fran- available on the Bank of Russia website in the section Statistics. chising rights, etc. Macroeconomic Financial Statistics. External Sector Statistics. Capital transfers represent large-amount transactions of The table ‘Balance of Payments of the Russian Federation’ irregular nature, e.g. debt forgiveness, investment grants, cer- is the analytical presentation of the balance of payments, the tain types of taxes, large-value gifts, payment and receiving of template of which meets international standards and reflects inheritance, etc. the national-specific features of the formation of cross-border Net lending (+) / net borrowing (–) (balance on current and flows of goods, services and capital. The focus of this presenta- capital accounts) represents the sum of current account balance tion is on the disclosure of capital flows by functional category. and capital account balance. The presentation by functional category helps identify different 3. Net lending (+) / net borrowing (–) (balance on financial economic behavior models of residents and non-residents and account) is the residual balance on transactions with financial provide a statistical pattern of international economic interaction liabilities and assets between Russian Federation residents and that is most relevant for the purposes of analysis and govern- non-residents. The outcome is calculated as the difference be- ment regulation. tween the aggregates of net acquisition of financial assets and Balance of payments data for previous periods are revised net incurrence of liabilities. mainly because of the updating of reports for previous periods, Net acquisition of financial assets (‘+’ — increase, ‘–’ — emergence of new information sources, methodological improve- decrease) represents the difference between an increase of ments and (or) changes in the methods of compilation of certain residents’ foreign assets and a decrease thereof resulting from aggregates as well as reclassification of financial instruments (ag- financial transactions. gregates). Such an approach ensures access to the most updated Net incurrence of liabilities (‘+’ — increase, ‘–’ — decrease) data for all users of balance of payments statistics. represents the difference between an increase of residents’ Balance of payments data in the analytical presentation are foreign liabilities and a decrease thereof resulting from financial posted on the Bank of Russia website. transactions. 204 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Financial assets and liabilities are classified by functional — General government; category: direct investment, portfolio investment, financial de- — Central bank and banks (excluding debt liabilities to direct rivatives, other investment, and international reserves. investors and direct investment enterprises); Direct investment is a category of foreign investment, which — Other sectors (excluding debt liabilities to direct investors is made by a resident institutional unit of one economy with the and direct investment enterprises). purpose to exercise control or acquire a lasting influence on the Data on debt liabilities to direct investors and direct invest- management of an enterprise located in another economy. Direct ment enterprises of the Central bank and banks, and Other investment relationship arises when a direct investor owns direct- sectors are grouped separately. ly or indirectly equity assuring him/her 10% or more of the votes Further level of detailing external debt is achieved by breaking in managing the direct investment enterprise. Direct investment it down into domestic and foreign currencies-denominated liabil- also includes transactions of a direct investment enterprise to ities. Then data are classified by maturity as short-term liabilities acquire equity and debt instruments of its direct investor (reverse (with original maturity of one year or less) and long-term ones investment) and transactions between sister enterprises. Sister (with original maturity exceeding one year). enterprises are those that are under the control and influence of Individual Indicators Highlights the same direct or indirect investor, but do not have any control or influence with respect to each other. Individual indicators’ characteristics under General govern­ Direct investment is accounted for in the form of equity (listed ment, Central bank and banks, and Other sectors correspond and unlisted stocks, shares, units, real estate), reinvested earnings with these indicators’ characteristics set out in the comments and debt instruments (securities, loans, other debt instruments), to table 1.4. excluding transactions with debt instruments between related financial intermediaries in the same direct investment relationship. Table 1.4 Portfolio investment is a category of foreign investment in negotiable debt securities and equity, excluding those that are External Debt of the Russian Federation included under direct investment and reserve assets. by Maturity and Financial Instruments Loans, cash currency and deposits include lending and General Provisions borrowing transactions, transactions between residents and non-residents with cash foreign currency, transactions in current External debt (according to international methodology) as of accounts (including interbank accounts) and transactions with the reporting date represents an outstanding amount of actual deposits. current, and not contingent, liabilities of residents of the Russian 4. Net errors and omissions mean a statistical discrepancy, Federation to nonresidents which requires payment(s) of principal which is derived residually as net lending / net borrowing of the and (or) interest at some point(s) in the future. financial account minus the corresponding item from the current Information on the external debt of the economy is very and capital accounts. important for analyzing its sustainability to external shocks. Methodological and conceptual basis for external debt statis- tics is set out in the joint document of a group of international Table 1.2 organizations External Debt Statistics: A Guide for Compilers and External Debt of the Russian Federation Users, 2013 and also in the sixth edition of the IMF’s Balance of General Provisions Payments and International Investment Position Manual (BPM6). The key characteristic of debt is the obligation of a debtor to Definition and basic characteristics of external debt (metho­ make payment of principal and (or) interest. Therefore, external dological principles, information sources, information on data debt does not include guarantees, open lines of credit, and other dissemination, etc.) set out in the comments to table 1.4 are contingent liabilities, financial derivatives, and equity instruments applicable to the contents of this table. as well. Notable exceptions are preferred shares owned by non- The table’s structure suggests the following institutional residents, which are classified as an external debt component sectors as the main classification groupings: and are included as debt securities. — General government; External debt data under the international methodology cover — Central bank and banks; the indebtedness of all sectors of the economy of the Russian — Other sectors. Federation to non-residents, irrespective of the currency of the Data on debt liabilities to direct investors and direct invest- debt’s denomination. ment enterprises of the Central bank and banks, and Other The table’s structure suggests the following institutional sectors are reflected within respective qualification groups. sectors as the main classification groupings: For each qualification group, data are classified by type of — General government; debt instrument. — Central bank and banks (excluding debt liabilities to direct Individual Indicators Highlights investors and direct investment enterprises); — Other sectors (excluding debt liabilities to direct investors Individual indicators’ characteristics under General govern­ and direct investment enterprises). ment, Central bank and banks, and Other sectors broadly cor- Debt liabilities to direct investors and direct investment en- respond with these indicators’ characteristics set out in the terprises of Banks and Other sectors are categorized separately. comments to table 1.4. Further level of detailing external debt is achieved by breaking General government. This category is represented with the it down by maturity as short-term (with original maturity of one Federal government’s indebtedness detailed by type of creditor. year or less) and long-term (with original maturity exceeding one year). Then data are classified by type of debt instruments (debt Table 1.3 securities, loans, trade credits, current accounts and deposits, External Debt of the Russian Federation other debt liabilities). in Domestic and Foreign Currencies by Maturity Information sources include official statistics and adminis- General Provisions trative data from Russia’s Ministry of Finance, FCS of Russia, other ministries and agencies, local governments; reporting from Definition and basic characteristics of external debt (metho­ credit institutions, non-credit financial corporations, depositories; dological principles, information sources, information on data primary statistical data from non-financial organizations; data of dissemination, etc.) set out in the comments to table 1.4 are international financial organizations; and administrative data (and applicable to the contents of this table. estimates) of the Bank of Russia. The table’s structure suggests the following sectors as the Data for previous reporting dates are revised mainly due to main classification groupings: the following reasons: updating of reports for previous periods, 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 205 emergence of new information sources, methodological improve- on external funds’ drawings with detailed liabilities of other finan- ments and (or) changes in the methods of compilation of certain cial corporations (excluding banks) and liabilities of non-financial aggregates as well as reclassification of financial instruments corporations, households and NPISHs. (aggregates). Debt securities represent indebtedness to non-residents on External debt statistics of the Russian Federation are avail- debt securities issued by non-financial corporations and other able on the Bank of Russia website. financial corporations (excluding banks). Debt securities are recorded at face value. They include bonds, notes, non-voting Individual Indicators Highlights preferred stocks which do not give the right to participate in General government. This category includes external indebt- the distribution of the residual value of an enterprise at its edness of the federal government which has originated in the liquidation, and also mortgage claims on individuals owned by period since 1992, i.e. the new Russian debt, and indebtedness non-residents. which had been contracted prior to 1992 and was assumed by Loans and deposits include indebtedness under credits re- the Russian Federation as the legal successor of the USSR, i.e. ceived from non-residents, including under direct repos, non-res- the debt of the former USSR, and also the indebtedness of local idents’ current accounts with non-bank credit institutions, and governments to non-residents under contracted credits and financial leases. issued debt securities. Other liabilities cover indebtedness to non-residents on The new Russian debt includes drawings from the IBRD, declared dividends payable on common and preferred shares, EBRD, other international organizations and governments of which are classified as portfolio investment, liabilities of insu­ foreign states, indebtedness to non-residents under Eurobonds rance companies and indebtedness, which originated as a result issued by the Government of the Russian Federation, and also of a transfer of claims by resident to non-resident, and accounts the debt owed to the London Club creditors. Other liabilities payable to non-residents associated with goods’ supplies and include external debt under current transactions. provision of services. The debt of the former USSR includes borrowings from former Debt liabilities to direct investors and to direct investment socialist countries and other official creditor countries as well enterprises. The item includes debt liabilities vis-à-vis non-resi- as the remaining liabilities under merchandise supplies’ credits dents associated with banks, other financial corporations (exclud- and interest on arrears, which are classified as other liabilities. ing banks) and non-financial corporations within the framework of Debt securities. This aggregate contains data on indebted- direct investment relationship, and also indebtedness on declared ness to non-residents on securities issued by Russia’s Ministry dividends payable to foreign direct investors. of Finance and local governments and denominated in foreign currencies and rubles. Government securities are estimated at Table 1.5 face value. Loans, currency and deposits include data on indebtedness International Investment Position under loans drawn from non-residents by the Government of the of the Russian Federation. Main Components Russian Federation, local governments, and the Government of General Provisions the former USSR. Other liabilities include the indebtedness under current International investment position is a statistical statement transactions of Russia’s Ministry of Finance, interstate indebt- that shows at a point in time the value of financial assets of resi­ edness under clearing arrangements, and also the remaining dents of the Russian Federation representing claims on non-resi­ liabilities under merchandise supplies’ credit and interest on dents and gold bullion held as reserve assets, and of liabilities to arrears, which are classified as other indebtedness. non-residents of the residents of the Russian Federation. The dif- Central bank and banks (excluding debt liabilities to direct ference between external financial assets and liabilities is the net investors and to direct investment enterprises). This category investment position, which may be positive — indicating that the includes external debt liabilities of the Bank of Russia and cre­ Russian Federation is a net creditor to the rest of the world — or dit institutions (except non-bank credit institutions which are negative — indicating that the Russian Federation is a net borrower. covered within Other sectors) and of the State Development Information presented in the international investment posi- Corporation VEB.RF (for the part of its commercial activity) to tion is very important for the analysis of the economic situation non-residents. External indebtedness under state credits, which is of the Russian Federation. maintained on the books of the State Development Corporation International investment position is compiled and dissemi­ VEB.RF due to its fulfilment of the functions of the official agent nated quarterly. Methodological basis for compilation of the of the Government of the Russian Federation, is included in the components of the table is set out in the sixth edition of the liabilities of the general government. IMF’s Balance of Payments and International Investment Posi­ Debt securities represent indebtedness to non-residents tion Manual (BPM6). on debt securities issued by banks. Securities are recorded at Information sources include reports from Russia’s Ministry fair value. of Finance, Federal Customs Service, other ministries and agen- Loans, currency and deposits include data on the Bank cies, international financial organizations, local governments, of Russia’s and banks’ indebtedness to non-residents under credit institutions, noncredit financial corporations, nonfinancial securities’ repurchase agreements conducted without change corporations, partner countries’ data, as well as own data and of ownership (direct repo). The aggregate also includes banks’ estimation system of the Bank of Russia. indebtedness to non-residents on current accounts, short- and International investment position data for previous periods long-term deposits, other borrowed funds drawn from non-resi- are subject to revision, mainly due to the following reasons: dent banks and the Bank of Russia’s indebtedness to non-resi- changes in the reported data, availability of data from new dents on current accounts, and also the Bank of Russia’ estimate sources of information, improvements of methodology and (or) of non-residents’ cumulative holdings of cash Russian rubles compilation techniques of certain components, reclassification (commentary to compilation of this component is available on of instruments (indicators). the Bank of Russia website under directory Statistics. IMF Special International investment position statistics of the Russian Data Dissemination Standard. Metadata). Federation are available on the Bank of Russia website. Other liabilities represent banks’ and the central bank’s in- Individual Indicators Highlights debtedness to non-residents on declared dividends payable on common and preferred shares, which are classified as portfolio Financial assets and liabilities of residents of the Russian investment, and indebtedness which originated as a result of a Federation are the major classification groupings presented on transfer of claims by a resident to a non-resident, and liabilities the left of the table. of the Bank of Russia which have accumulated in the course of Further breakdown of assets and liabilities is made as follows: SDR allocations to the Russian Federation. — by functional category direct: investment, portfolio invest- Other sectors (excluding debt liabilities to direct investors ment, financial derivatives, other investment, international and direct investment enterprises). This category contains data reserves (reserve assets); 206 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology — by financial instrument: equity and investment fund shares, loading of the goods aboard the means of transport at the border debt securities, loans, cash currency and deposits, etc. of the exporter’s country). Data on the value of external assets and liabilities of Russian Merchandise trade balance is defined as the difference residents as of the date of the reporting period are presented between exports and imports of goods. on the top of the table as follows. Special Valuation Cases Table 1.7 External assets and liabilities are valued primarily at market International Reserves of the Russian Federation prices. General Provisions Balances on debt securities’ stocks including securities issued by the general government sector are valued taking into account A country’s international reserves (reserve assets) are those the accrued coupon interest. external assets that are readily available to and controlled by Data on accrued balances under loans, including trade credits, monetary authorities for meeting balance of payments financing are reflected at amortized values. needs, for intervention in foreign exchange markets to affect the Monetary gold is valued at the current price quotations set currency exchange rate, and for other related purposes (such as by the Bank of Russia. maintaining confidence in the currency and the economy, and serving as a basis for foreign borrowing). Reserve assets must be foreign currency assets and assets that actually exist. Inter- Table 1.6 national reserves should be assets of high quality. Merchandise Trade of the Russian Federation The international reserves of the Russian Federation are (per Balance of Payments Methodology) highly liquid external assets that are readily available to the Bank General Provisions of Russia and the Government of the Russian Federation. Data are compiled on the basis of definitions contained in the The table includes monthly data on the merchandise trade of sixth edition of the IMF’s Balance of Payments and International the Russian Federation (according to the balance of payments Investment Position Manual (BPM6), and the IMF’s International methodology) broken down by the CIS country and non-CIS Reserves and Foreign Currency Liquidity: Guidelines for a Data country before 2021. In 2022, the publication of data by the Template (2012). group of countries was suspended. The information is published Transactions are recorded as of the value date with interest in millions of US dollars. accrued. Data provided in the table “Merchandise Trade of the Rus- Values are converted to US dollars using official exchange sian Federation” are included in the current account of the rates of foreign currencies in terms of the Russian ruble and gold balance of payments and are compiled in accordance with the reference prices set by the Bank of Russia and effective on the sixth edition of the International Monetary Fund’s Balance of reporting date. Payments and International Investment Position Manual (IMF’s Individual Indicators Highlights BPM6 methodology). The sources of information are the reporting data regularly The international reserves consist of foreign exchange, SDR received by the Bank of Russia from the FCS of Russia, Ross- holdings, reserve position in the IMF and monetary gold. tat and other ministries and agencies, credit and nonfinancial Foreign exchange includes foreign currency; balances on institutions, partner countries’ data and own Bank of Russia’s nostro corresponding accounts including unallocated gold system of estimates. accounts; deposits with the initial maturity of up to 1 year in- Data on external merchandise trade are published in the Bank cluding gold deposits, with foreign central banks, the Bank for of Russia’s weekly publication Bank of Russia Bulletin, and are International Settlements (BIS) and nonresident deposit-taking posted on the Bank of Russia official website. corporations; debt securities issued by nonresidents; loans Individual Indicators Highlights extended under reverse repo agreements, and other financial claims on nonresidents with the initial maturity of up to 1 year. Exports of goods (per balance of payments methodology) Securities received as collateral under reverse repos or under represent movement of (i) goods out of the customs territory of securities’ lending agreements (received in exchange for other the Russian Federation recorded by the Federal Customs Service securities), are not included in international reserves. Securities in accordance with the general trade system, and (ii) goods not provided to counterparties under securities’ lending transactions registered by the FCS of Russia — namely, goods procured by are recorded in international reserves, whereas securities that foreign carriers in Russian ports; goods exported by individuals; serve as collateral under repurchase agreements are excluded goods sold to nonresidents without crossing Russia’s customs therefrom. border including fish and marine products caught in the high Part of resources of the sovereign funds of the Russian Fed- seas; other goods whose economic ownership is transferred eration, which is denominated in foreign exchange, deposited with from residents to nonresidents; net exports of goods under the Bank of Russia and further invested by the Bank of Russia in merchanting abroad. foreign financial assets, is included in the international reserves Goods sent for processing under special customs procedures of the Russian Federation. are excluded from exports of goods registered by the FCS of Foreign exchange-denominated claims of the Bank of Russia Russia. and the Government of the Russian Federation on residents Imports of goods (per balance of payments methodology) are not included in the international reserves of the Russian cover (i) goods brought into the Russian customs territory and Federation. recorded by the Federal Customs Service in compliance with Special drawing rights (SDRs) are international reserve the general trade system, and (ii) goods not registered by the assets created by the IMF and allocated to members; included FCS of Russia — namely, goods procured by Russian carriers in are balances of SDR holdings on the account of the Russian foreign ports; goods undeclared and/or inadequately declared Federation in the Fund’s SDR Department. when imported by legal entities; goods imported by individuals; Reserve position in the IMF is the sum of the reserve tranche goods acquired by residents without crossing Russia’s customs position (representing foreign exchange component of the quota border; other goods whose economic ownership is transferred of the Russian Federation in the Fund) and the country’s claims from nonresidents to residents. on the IMF arising from lending under the New Arrangements Goods under processing under special customs procedures to Borrow. are excluded from imports of goods registered by the FCS of Monetary gold is defined as standard gold bars and coins Russia. with a purity of at least 995/1,000 held by the Bank of Russia Merchandise exports and imports are presented in f.o.b. and the Government of the Russian Federation. It comprises gold prices (under the f.o.b. terms of goods’ sale, the merchandise in vault, en route and in allocated accounts, including those that price includes its cost and expenses on insurance, delivery and are held abroad. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 207 Table 1.8 The indicator is disclosed on a quarterly basis no later than International Reserves and Foreign Currency four months after the end of the reporting quarter. Liquidity — Russia General Provisions Table 1.10 The template recommended by the IMF is meant to provide Money Supply exhaustive information on the official assets of the Russian Fed- (National Definition) eration in foreign currency and movements of these resources General Provisions related to different claims and obligations of monetary authorities in foreign currency for the 12 months following the reporting date. The table contains information on the amount, structure In the template data is presented on balance and off-balance and dynamics of the M2 aggregate, a major monetary aggregate sheet transactions of monetary authorities in foreign currency, used in elaborating the economic policy and setting quanti- and supplementary information. tative macroeconomic targets. The money supply is defined Data is published in terms of millions of US dollars. Foreign as the sum total of funds in the Russian Federation currency, exchange assets are converted to US dollars using cross ex- intended for use as payment for goods, work and services change rates of foreign currencies for the US dollar as of the and for the accumulation of savings by resident nonfinancial given date. corporations and financial corporations (except for credit ones) Blank fields in the tables signify the absence of respective and households. financial instruments as of the reporting date. The source of information for the calculation of the money Data sources for International Reserves and Foreign Currency supply is data of the monthly consolidated balance sheet of Liquidity are: balance sheet and off-balance sheet data of the Russian credit institutions and the Bank of Russia consolidated Bank of Russia, operational reports of the Bank of Russia and balance sheet (the calculation includes obligations of credit the Ministry of Finance of the Russian Federation. institutions and the Bank of Russia to economic agents), re- Individual Indicators Highlights porting form 0409110 ‘Breakdowns of certain indicators of the credit institutions activity’, reporting form 0420867 ‘Report on Section I Official Reserves Assets and Other Foreign Cur- Performing Operations, Types and Cost of Securities Recorded rency Assets provides information on the structure of Russia’s in Accordance With Contracts for Providing Services of a Spe- international reserves as well as data on the non-reserve foreign cialized Depository to a Management Company Engaged in Trust exchange assets of monetary authorities. Comprehensive de- Management of Pension Savings that the Pension and Social scription of international reserves is given in the methodological Insurance Fund of the Russian Federation Transferred to it, and comments to the table ‘International Reserves of the Russian on Transactions That the Said Management Company Conducts Federation’. Other foreign currency liquidity represents assets of Using Pension Savings’. In addition to being published in the the Bank of Russia and the Ministry of Finance of the Russian Bank of Russia Statistical Bulletin, information on the amount, Federation that do not meet the requirements for international structure and dynamics of the money supply is available on the reserves. Unlike reserve assets, non-reserve assets do not need Bank of Russia’s website. to be external assets. They can be claims on residents. Individual Indicators Highlights Section II Predetermined Short-term Net Drains on Foreign Currency Assets describes the main directions of expenditure Cash in circulation (M0 monetary aggregate) is the most of foreign currency and sources of inflows of foreign currency. liquid part of the money supply, accessible for immediate use as Section III Contingent Short-term Net Drains on Foreign a mean of payment. It includes banknotes and coins in circulation Currency Assets involves information on forthcoming changes (see the indicator ‘Currency outside banking system’ in the table in foreign exchange reserves of the Bank of Russia and Ministry ‘Banking System Survey’). of Finance of the Russian Federation as a result of exercising M1 monetary aggregate is a sum of cash in circulation and contingent assets and liabilities with remaining maturities of one balances in the domestic currency on current and other demand year and transactions in options. accounts (including bank card payment accounts) and interest Reference data in Section IV Memorandum Items provides accrued of nonfinancial corporations — residents of the Russian an explanation of the indicators recorded in Section I, reserves’ Federation (RF), financial corporations (except for credit ones) — currency composition by groups of currencies being disclosed. residents of the RF and the RF resident households in rubles. Money supply (M2) is a sum of cash in circulation and balanc- es in the domestic currency on current, other demand accounts Table 1.9 (including bank card payment accounts), time deposits and inter- International Reserves Adequacy est accrued of nonfinancial corporations — residents of the RF, (International Reserves in Months of Import) financial corporations (except for credit ones) — residents of the General Provisions RF and the RF resident households. The money supply in the na- tional definition includes all cash and deposits of the RF resident Reserves adequacy is determined by comparison of the ac- nonfinancial corporations, the RF resident financial corporations tual amount of the international reserves in months of imports (except for credit ones) and the RF resident households with of goods and services and the international benchmark reserves the operating credit institutions — residents of the RF in rubles. adequacy. Deposits include transferable deposits and other deposits. Individual Indicators Highlights Transferable deposits include current and other demand accounts (including bank card payment accounts) and interest The international benchmark reserves adequacy is equal accrued of nonfinancial corporations — residents of the RF, fi- to three months. nancial corporations (except for credit ones) — residents of the The actual amount of international reserves in months of RF and households — residents of the RF. imports is calculated as the ratio of the amount of international Other deposits include time deposits and interest accrued reserves of the Russian Federation at the end of a reporting of nonfinancial corporations — residents of the RF, financial quarter to the average monthly import of goods and services corporations (except for credit ones) — residents of the RF and for the last four quarters. households — residents of the RF. For example, the actual amount of the international reserves Unlike the indicator ‘Broad money liabilities’ in the table in months of imports for the first quarter of 2016 will be the ratio ‘Banking System Survey’, deposits do not include foreign cur- of the amount of the international reserves of the Russian Fede­ rency deposits. ration on 1 April 2016 to the average monthly import of goods Monetary aggregate M2 does not include deposits in credit and services for the period Q2—Q4 2015 — Q1 2016. institutions with revoked licenses. 208 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Table 1.11 unitary enterprises and agricultural consumer and production Monetary Base cooperatives (excluding credit and insurance) with the partici- (Broad Definition) pation of legal entities. General Provisions Other financial corporations include investment companies, management companies, depositories, specialized depositories, The table presents information on the volume, structure stock exchanges and commodity exchanges, brokerage houses, and dynamics of the monetary base. This indicator charac- insurance companies, mutual insurance companies, pension funds, terizes the ruble-denominated monetary obligations of the consumer credit cooperatives, microfinance organizations, leasing Bank of Russia. companies, factoring companies, pawnshops, financial market The Monetary Base (the table ‘Central Bank Survey’) is cal- self-regulatory organizations, insurance agents and insurance culated just as the monetary base (broad definition). brokers which are legal entities, and other financial corporations The source of information used in calculating the monetary provided other financial services. base (broad definition) is data from the Bank of Russia month- General government comprises ministries, agencies, ex- ly-consolidated balance sheet. In addition to the Bank of Russia tra-budgetary funds, institutions, non-profit organizations in- Statistical Bulletin, data on the volume, structure and dynamics volved in public administration and local administration, finance, of the monetary base (broad definition) are available on the Bank regulation and planning of the economy, research, defense, of Russia website. environmental protection, internal order maintenance, provision Individual Indicators Highlights of free or subsidized services in education, healthcare, arts and social security to households. All elements of the monetary base (broad definition) are Households are individuals and individual entrepreneurs. calculated in the Russian currency only. Central Bank Survey, Other Depository Corporations Survey Currency in circulation, including balances in credit institu- and Depository Corporations Survey are published by the Bank tions’ cash vaults is currency in circulation issued by the Bank of of Russia on a monthly basis while Other Financial Corporations Russia, excluding cash balances in Bank of Russia vaults, ATMs Survey and Financial Sector Survey are published quarterly. The and in transit, as well as precious metal coins in circulation. data in Central Bank Survey, Other Depository Corporations Correspondent accounts balances of credit institutions Survey, Depository Corporations Survey, Other Financial Corpo- with the Bank of Russia are balances of ruble-denominated rations Survey and Financial Sector Survey may be adjusted due correspondent accounts of the RF resident credit institutions to changes in reporting data, new sources of information, and with the Bank of Russia, including an averaged amount of the methodological changes. required reserves (see also comments on tables 2.3—2.5). Required reserves are balances in the required reserve ac- Table 1.12 counts deposited by the RF resident credit institutions with the Bank of Russia on funds raised in rubles and foreign currency Central Bank Survey (see also comments on tables 2.3—2.5). General Provisions Credit institutions’ deposits with the Bank of Russia are balances in credit institutions’ deposit accounts with the Bank The main source of data Central Bank Survey is the Bank of of Russia. Russia balance sheet. Other sources comprise: details of balance Bank of Russia bonds with credit institutions represent sheet accounts of the Bank of Russia, data on the international value of Bank of Russia bonds with credit institutions. reserves of the Russian Federation, nonreserve assets and lia- bilities, the structure of foreign assets and liabilities of mone- tary authorities; data on current and deposit accounts of state Central Bank Survey, corporations; data on the market value of shares in the Bank Other Depository Corporations Survey, of Russia’s portfolio; information on credit institutions’ debt to Depository Corporations Survey, the Bank of Russia under repurchase agreements (according to Other Financial Corporations Survey, data on the Bank of Russia’s operations); IMF data on financial Financial Sector Survey relations with the Russian Federation. Individual Indicators Highlights Central Bank Survey, Other Depository Corporations Survey, Depository Corporations Survey, Other Financial Corporations Net foreign assets are net transactions with claims on Survey, Financial Sector Survey are formed in accordance with the nonresidents and liabilities to nonresidents made by monetary requirements of international statistical standards for compilation authorities (the Central Bank of the Russian Federation and macroeconomic financial indicators. the Government of the Russian Federation) in foreign currency, The methodological basis for compilation data in Central Bank national currency and precious metals. Survey, Other Depository Corporations Survey, Depository Cor- Claims on other depository corporations comprise loans, porations Survey, Other Financial Corporations Survey, Financial including claims for accrued interest, extended by the Bank of Sector Survey are Monetary and Financial Statistics Manual and Russia to other depository corporations (including banks with Compilation Guide (IMF, 2016) 1 and System of National Accounts revoked licences), as well as overdue loans and overdue interest Manual (European Commission, United nations, Organization for claims, funds extended by the Bank of Russia to other depository Economic Cooperation and Development, International Mone­ corporations under repo operations, deposits made by the Bank tary Fund, World Bank, 2008) 2. In accordance with international of Russia with other depository corporations, the Bank of Russia’s standards, monetary indicators are broken down by financial in- investment in debt securities of other depository corporations struments and by economic sectors in rubles and foreign currency. and debt securities of the Public Corporation of Development Institutional sectors3: VEB.RF, as well as the Bank of Russia’s participation in other Nonresidents are institutional units that have their centre of depository corporations’ capital. predominant economic interest outside the Russian Federation. Net claims on general government are the Bank of Russia’s Non-financial corporations are organizations manufacturing claims on federal government of the Russian Federation, gov- products and rendering non-financial services at market prices ernment authorities of the constituent entities of the Russian irrespective of their ownership form and organizational and legal Federation and local governments, government extra-budgetary structure. The sector of non-financial corporations also includes funds and extra-budgetary funds of the constituent entities of 1 Monetary and Financial Statistics Manual and Compilation Guide (IMF, 2016). 2 System of National Accounts 2008 (European Commission, United Nations, Organization for Economic Cooperation and Development, International Monetary Fund, World Bank). 3 Institutional Sectors are classified in accordance with the System of National Accounts Manual (2008) and the Monetary and Financial Statistics Manual and Compilation Guide (2016). The classification of sectors of the economy used in compiling SNA accounts corresponds to Appendix B ‘Classification of institutional sectors of the economy’ to the All-Russian Classification of Forms of Incorporation OK 028‑2012 (approved by Rosstandart Order No. 505st, dated 16 October 2012). 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 209 the Russian Federation and local governments less the Bank of Claims on nonresidents are credit institutions’ asset with Russia’s liabilities to general government. nonresidents, including foreign currency — foreign cash in credit Claims on other sectors are the Bank of Russia’s claims on institutions’ cash vaults; deposits — deposits and other funds, other financial corporations and non-financial corporations debt including correspondent accounts with nonresident banks in securities, loans (as well as overdue debt, including overdue in- foreign currency, rubles and precious metals; debt securities — terest claims) to other financial corporations and non-financial debt securities and bills issued by foreign governments, banks corporations, shares of other financial corporations and non-fi- and other nonresidents; loans to nonresident legal entities and nancial corporations and other receivables of the Bank of Russia. nonresident households; shares and other equity — securities of Monetary base includes currency in circulation and all the nonresidents, including investment funds shares and other forms Bank of Russia’s liabilities to credit institutions in rubles. of institutional units equity participation; other claims — invest- Currency in circulation includes currency issued by the Bank ment in shares of foreign companies and banks, settlements with of Russia less cash in its vaults. nonresident organizations and households, and other transactions Liabilities to other depository corporations are required with nonresidents. reserve accounts deposited by other depository corporations Liabilities to nonresidents are credit institutions’ liabilities with the Bank of Russia, correspondent accounts, as well as with nonresidents: deposits — LORO accounts and other funds other transactions of other depository corporations (including received from nonresident banks, deposits and other funds at- banks with a revoked licence) with the Bank of Russia, debt tracted from nonresident households and legal entities in foreign securities — Bank of Russia’s bonds in other depository corpo- and national currency and precious metals, including interest rations’ portfolio. accrued; debt securities — nonresidents’ investment in debt secu- Deposits included in broad money are all funds of organiza- rities of Russian credit institutions; loans — funds received under tions — residents of the Russian Federation deposited with the repo operations and other funds raised from nonresident legal Bank of Russia under the current legislation. Deposits are clas- entities and households; other liabilities — other transactions with sified by the level of liquidity as transferable deposits, including nonresidents, including liabilities under letters of credit and other funds which can be used immediately as means of payment, and settlements with nonresident organizations and households. other deposits that include resident organizations’ deposits that Claims on the central bank are cash in national currency cannot be used immediately as means of payment. in credit institutions’ cash vaults; deposits — credit institutions’ Transferable deposits are funds of organizations — residents funds with the Bank of Russia (correspondent accounts, required of the Russian Federation in settlement, current and other de- reserves, deposits, credit institutions’ balances on other trans- mand accounts opened with the Bank of Russia in rubles. actions); debt securities — credit institutions’ investments in the Other deposits are funds of organizations — residents of Bank of Russia’s bonds. the Russian Federation with the Bank of Russia in time deposit Net claims on general government are credit institutions’ and other funds attracted for a fixed term in rubles, all types claims on federal government of the Russian Federation, gov- of deposits in foreign currency and precious metals, as well as ernment authorities of the constituent entities of the Russian accrued interest liabilities on deposit transactions. Federation and local governments, government extra-budgetary Transferable and other deposits in national and foreign cur- funds and extra-budgetary funds of the constituent entities of rencies are presented across the economic sectors. Transferable the Russian Federation and local governments less credit insti- and other deposits include deposits of other financial corpora- tutions’ liabilities to the general government. tions and non-financial corporations. Claims on general government are debt securities of federal Other items (net) are assets and liabilities not included in government of the Russian Federation, government authorities the above-mentioned items. of the constituent entities of the Russian Federation and lo- cal governments; loans granted to federal government of the Russian Federation, government authorities of the constituent Table 1.13 entities of the Russian Federation and local governments, gov- Other Depository Corporations Survey ernment extra-budgetary funds of the Russian Federation and General Provisions extra-budgetary funds of the constituent entities of the Russian Federation; other claims — credit institutions’ other accounts The main source of data for Other Depository Corporations receivables to general government. Survey is the monthly consolidated balance sheet for operating Liabilities to general government are deposits and other credit institutions (excluding Russian credit institutions’ foreign funds of federal government of the Russian Federation, gov- branches) and credit institutions with revoked licenses — reporting ernment authorities of the constituent entities of the Russian form 0409101 ‘Trial Balance Sheet on the Accounting Records Federation and local governments, government extra-budgetary of a Credit Institution’. funds, extra-budgetary funds of the constituent entities of the Other sources of information: the balance sheet of the State Russian Federation and local governments, including funds on Development Corporation VEB.RF; reporting form 0420867 federal government accounts, government authorities of the ‘Report on Performing Operations, Types and Cost of Securities constituent entities of the Russian Federation accounts and local Recorded in Accordance With Contracts for Providing Services of governments accounts; other liabilities — credit institutions’ other a Specialized Depository to a Management Company Engaged in payables with general government. Trust Management of Pension Savings that the Pension and Social Claims on other sectors are credit institutions’ claims in Insurance Fund of the Russian Federation Transferred to it, and rubles and foreign currency on other financial corporations, on Transactions That the Said Management Company Conducts non-financial corporations and households. Using Pension Savings’; reporting form 0409711 ‘Report on Secu- Claims on other financial corporations are loans granted rities and Digital Rights’; reporting form 0409303 ‘Information on to other financial corporations in rubles, foreign currency and Loans Granted to Legal Entities’; reporting form 0409110 ‘Details precious metals, including claims on accrued interest, overdue on Individual Indicators of a Credit Institution’s Activity‘; data of debt (including claims on overdue interest), credit institutions’ the Moscow Exchange on trading results; data from the register investments in debt and equity securities of other financial of issues (additional issues) of securities of credit institutions, corporations, as well as other forms of equity of other financial registered and cancelled by the Bank of Russia, as well as issues corporations and other receivables on settlement transactions (additional issues) of securities earlier suspended and then renewed. with other financial corporations. Individual Indicators Highlights Claims on non-financial corporations are loans granted to non-financial corporations in rubles, foreign currency and precious Net foreign assets are net transactions with claims on metals, including claims on accrued interest, overdue debt (includ- nonresidents and liabilities to nonresidents made by credit in- ing claims on overdue interest), credit institutions’ investments stitutions in foreign currency, national currency of the Russian in debt and equity securities of non-financial corporations, as Federation, and precious metals. well as other forms of equity of non-financial corporations and 210 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology other receivables on settlement transactions with non-financial Monetary aggregate М0 is currency in circulation issued by corporations. the Bank of Russia less currency held in cash vaults of the Bank Claims on households are loans granted to households in of Russia and credit institutions. rubles, foreign currency and precious metals, claims on interest Transferable deposits are Russian Federation residents’ accrued, and overdue debt (including claims on overdue interest). funds (legal entities and households) in settlement, current Liabilities to the central bank are credit institutions’ amount and other demand accounts (including banks’ card payment outstanding on debt securities, amount outstanding of loans accounts) opened with the Bank of Russia and operating credit provided by the Bank of Russia, including accrued interest (as institutions in rubles. well as overdue debt and accrued overdue interest), as well as Monetary aggregate М1 are part of M2 monetary aggregate. funds granted by the Bank of Russia to credit institutions under M1 is a sum of cash in circulation (M0) and transferable deposits. repo and other contracts to raise funds. Other deposits are Russian Federation residents’ funds (le- Deposits included in broad money are all funds held by the gal entities and households) in term deposits and other funds Russian Federation residents (legal entities and households) on held in national currency, settlement, current and other demand operating credit institutions’ accounts and deposits. Deposits accounts, deposits in foreign-currency and in precious metals, are classified by the level of liquidity as transferable deposits, including accrued interest on the deposits opened with the Bank including funds, which can be used immediately as means of of Russia and operating credit institutions. payment, and other deposits that are not used directly as means Transferable and other deposits include deposits of non-fi- of payment. nancial corporations, other financial corporations and households. Transferable deposits are Russian Federation residents’ Money supply M2 is the total amount of currency outside funds (legal entities and households) in settlement, current and the banking system and deposits of Russian Federation resi- other demand accounts (including banks’ card payment accounts) dents (non-financial corporations, other financial corporations, opened with operating credit institutions in rubles. households) with the banking system of the Russian Federation Other deposits are Russian Federation residents’ funds (le- in rubles. gal entities and households) in term deposits and other funds Certificates of deposit and savings certificates are Russian held in national currency, settlement, current and other demand Federation residents’ funds (legal entities and households) in- accounts, deposits in foreign-currency and in precious metals, vested in certificates of deposit and savings certificates issued including accrued interest on the deposits opened with operating by credit institutions. credit institutions in rubles. Net foreign assets are net transactions with claims on Transferable and other deposits consist of deposits of other nonresidents and liabilities to nonresidents made by monetary financial corporations, non-financial corporations and house- authorities (the Central Bank of the Russian Federation and the holds. Government of the Russian Federation) and credit institutions in Debt securities included in broad money are Russian Fed- foreign currency, national currency and precious metals. eration residents’ funds (legal entities and households) invested Claims on nonresidents are foreign assets of monetary in certificates of deposit and savings certificates issued by credit authorities and credit institutions: monetary gold and Special institutions. Drawing Rights (SDRs), foreign cash, deposits, debt securities, Deposits excluded from broad money are Russian Federation loans, as well as accrued interest, overdue loans (including over- residents’ funds with credit institutions which cannot be used due interest), shares and other forms of participation in equity, during a certain period of time according to contractual terms or other claims. current terms of credit institution’s activities (e.g. , clients’ funds Liabilities to nonresidents are all types of liabilities of reserved for conducting FX buy/sell transactions, clients’ funds in monetary authorities and credit institutions to nonresidents: incomplete settlement transactions, and also all deposits of Rus- deposits, debt securities, loans, liabilities on SDR allocations, sian residents held with credit institutions with revoked licences). and other liabilities. Debt securities excluded from broad money are bonds issued Domestic claims are total amount of DCs claims on other by credit institutions. financial corporations, non-financial corporations and households, Shares and other equity are own funds of credit institutions. as well as net claims on general government in national and They include authorized capital and supplementary capital, re- foreign currencies and precious metals. serve and other funds formed from profit, current year financial Net claims on general government are DCs claims on federal results and profits and losses of previous years. government of the Russian Federation, government authorities Other items (net) are other assets and other liabilities of of the constituent entities of the Russian Federation and local credit institutions (which are not included in the above-mentioned governments, government extra-budgetary funds and extra-bud- items) and the consolidation adjustment. getary funds of the constituent entities of the Russian Feder- ation and local governments less DCs liabilities to the general government. Table 1.14 Claims on general government are DCs investments in Depository Corporations Survey securities issued by the federal government of the Russian General Provisions Federation, government authorities of the constituent entities of the Russian Federation and local governments, loans and The Depository Corporations Survey consolidates data pro- other receivables of the central bank and credit institutions to vided in the Central Bank Survey and the Other Depository Cor- general government. porations Survey (data are consolidated by netting of all mutual Liabilities to general government are deposits and other claims and liabilities between credit institutions and the Bank liabilities of the DCs to federal government of the Russian Fed- of Russia, and by adding their operations with other economic eration, the government authorities of the constituent entities sectors and nonresidents). of the Russian Federation and local authorities, government and Individual Indicators Highlights other extra-budgetary funds. Credit to economy are claims of DCs on other financial Monetary aggregate M2X (broad money) are currency corporations, non-financial corporations and households, debt outside the banking system, all deposits of Russian Federation securities, loans, as well as accrued interest, overdue loans, (in- residents (legal entities and households) in national and foreign cluding overdue interest), and other claims. currencies classified by the level of liquidity as transferable de- Claims on other financial corporations are DCs loans, grant- posits (comprising funds that can be immediately used as means ed to other financial corporations in rubles, foreign currency and of payment), and other deposits of Russian Federation residents precious metals, including claims on accrued interest, overdue (comprising funds that cannot be immediately used as means of debt (including claims on overdue interest), DCs investments in payment), and also debt securities such as certificates of deposit debt and equity securities of other financial corporations, and and savings certificates issued by credit institutions. other receivables. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 211 Claims on non-financial corporations are DCs loans, granted companies, private pension funds, securities market participants, to non-financial corporations including accrued interest, overdue stock (share) investments funds, microfinance organizations, cred- loans (including accrued overdue interest), in rubles, foreign cur- it consumer cooperatives, pawnshops and other organizations rency and precious metals, DCs investments in debt and equity of financial sector. The sources of information include the data securities of non-financial corporations, and other receivables. of quarterly reporting forms of insurers and pension funds ac- Claims on households are loans, accrued interest, overdue cording to federal statistical survey No. 1‑FS (SK) ‘Information of loans (including accrued overdue interest), provided by DCs to financial investments and liabilities of insurance companies’ and households in national and foreign currency, and precious metals. No. 1‑FS (NPF) ‘Information of financial transactions of private Deposits excluded from broad money are Russian Federa- pension funds’, quarterly reporting of state financial corporations tion residents’ funds in credit institutions which cannot be used submitted by reporting institutions to the Bank of Russia, report- during a certain period of time according to contractual terms or ing forms of federal statistical survey No. P‑3 ‘Information on current terms of credit institution’s activities (e.g. , clients’ funds financial position of organizations’ and No. P‑6 ‘Information on reserved for conducting FX buy/sell transactions, clients’ funds in financial investments and liabilities’, reporting form of non-bank incomplete settlement transactions, and also all deposits of Rus- financial institutions 0420001 ‘Statements on operations with sian residents held with credit institutions with revoked licenses). monetary funds carried out by non-bank financial institutions Debt securities excluded from broad money are bonds issued being microfinance organizations, consumer credit cooperatives, by credit institutions. agricultural consumer credit cooperatives, pawnshops’, reporting Shares and other equity are total own funds of Depository form 0420410 ‘Balance sheet data’, reporting form 0420412 ‘Re- Corporations. ceivable accounts and payable accounts’, reporting form 0420414 Other items (net) are assets and liabilities, which are not ‘Information on loans’, reporting form 0420502 ‘Information on included in the above-mentioned aggregates and the consoli- net asset value including the value of assets (property) of a stock dation adjustment. (share) investment fund’, reporting form 0420801 ‘Compliance The MEMO ITEM section provides details on the item Loans with the standards on financial sustainability assessment of to households in rubles and foreign currency with a breakdown housing founded cooperative activity’, reporting form 0420816 by the lending purpose: mortgages; car loans; consumer loans; ‘Report on an agricultural consumer credit cooperative activity’, other loans; claims for accrued interest. reporting form 0420820 ‘Report on a consumer credit cooper- Mortgages involves housing loans, housing mortgage loans ative activity’, reporting form 0420840 ‘Report on microfinance and housing mortgage loans secured by claims under equity con- activity of a microfinance company’, reporting form 0420846 struction contracts granted by credit institutions to households — ‘Report on microfinance activity of a microcredit company’, residents of the Russian Federation in rubles and foreign currency. form 0420890 ‘Report on pawnshop activity’, reporting form Housing loans include loans granted to households-residents 0420105 ‘Balance sheet data of an insurance broker’, reporting in order to: purchase and land development for upcoming hous- form 0420880 ‘Report on credit rating agency activity’. ing construction (land loans); finance construction (including Individual Indicators Highlights repair) works (construction loans); purchase housing (loans to purchase housing). Net foreign assets — netting all transactions in assets and Housing mortgage loans include housing loans secured by liabilities made by the other financial corporations with nonresi- real estate granted to households-residents in accordance with dents (except the Bank of Russia and credit institutions). the procedure established by the law on mortgages1. Claims on depository corporations include cash — cash in Housing mortgage loans secured by claims under equity the currency of the Russian Federation held by the other financial construction contracts include housing mortgage loans granted corporations; other instruments — funds on current accounts, to households in accordance with the procedure established by deposits and other accounts with credit institutions, invest- the law on participation in shared equity construction2. ments in the shares and debt securities of credit institutions, Car loans are loans for purchase of motor vehicles secured investments in certificates of deposit, and also loans extended by a pledge of these motor vehicles. to credit institutions. Consumer loans are loans for purposes not related to busi- Net claims on general government include claims of the oth- ness activity. er financial corporations on the Russian Federation government, Other loans are other funds granted by credit institutions constituent entities and local authorities, government and other for other purposes. extra-budgetary funds less the liabilities of the other financial Claims for accrued interest are accrued (accumulated) inter- corporations to general government. est on granted loans (funds) that are to be received within the Claims on other sectors — claims of the other financial cor- time frames set in contracts or when the circumstances provided porations on nonfinancial corporations and households. for by the contract occur. Claims on nonfinancial corporations include the other fi- Sources of information: reporting form 0409316 ‘Information nancial corporations in debt securities and shares of nonfinancial on Loans Granted to Individuals’; reporting form 0409115 ‘Infor- corporations, loans extended to nonfinancial corporations, other mation on the Quality of Assets of a Credit Institution (Banking financial corporations’ receivables from nonfinancial corporations, Group)’; reporting form 0409101 ‘Trial Balance Sheet on the Ac- and other claims of other financial corporations on nonfinancial counting Records of a Credit Institution’; reporting form 0409110 corporations. ‘Details on Individual Indicators of a Credit Institution’s Activity‘. Claims on households include loans extended by the other financial corporations to households and other claims. Securities other than shares comprise bonds and bills issued Table 1.15 by the other financial corporations. Other Financial Corporations Survey Loans include credits and loans received by other financial General Provisions corporations from general government, credit institutions, non- financial corporations and households. Other financial corporations in the table include all organiza- Insurance technical reserves comprise insurance reserves of tions of financial sector except of the Bank of Russia and credit the other financial corporations, accumulated to cover the claims institutions (i.e. except of depository corporations). The table of resident policyholders: under life insurance agreements with is published since 1 January 2018 and illustrates the relations households, under non-life insurance agreements with credit between the other financial corporations and the other sectors institutions, other financial corporations, with nonfinancial cor- of the economy and nonresidents. Other Financial Corporations porations and households, to cover the claims of participants in Survey contains data of public financial corporations, insurance pension plans under agreements on private pension provision, 1 Federal Law No. 102‑FZ, dated 16 July 1998, ‘On Mortgage (Pledge of Real Estate)’. 2 Federal Law No. 214‑FZ, dated 30 December 2004, ‘On Participating in Shared-equity Construction of Apartment Houses and Other Real Estate and on Amending Certain Laws of the Russian Federation’. 212 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology agreements on compulsory pension insurance and agreements Loans are the loans extended to credit institutions and other on creating a professional pension system. financial corporations by nonfinancial corporations and households. The survey gives data on net equity of households in Insurance technical reserves comprise total funds of other life insurance reserves, net equity of households in pension financial corporations to cover the claims of participants in pen- funds reserves, prepaid premiums and reserves for outstand- sion plans and resident insurance policyholders and beneficiaries: ing claims. nonfinancial corporations and households. Net equity of households in life insurance reserves is tech- Other items (net) — assets and liabilities, which are not nical provisions insurance companies’ reserves formed against included in the above-mentioned aggregates and consolidation outstanding risks under life insurance agreements. adjustment between mutual liabilities and mutual claims of the Net equity of households in pension funds reserves com- banking system and other financial corporations. prises pension accruals and reserve for pension plan liabilities accumulated as part of pension reserves of pension funds. Table 1.17 Prepaid premiums and reserves for outstanding claims in- clude the insurance payments of credit institutions under deposit Financial assets and liabilities agreements with households, the amounts of unearned premium of the Households sector reserves and loss reserves formed for covering claims under Table 1.18 non-life insurance agreements with residents and the amount Transactions with financial assets of compulsory medical insurance reserves. of the Households sector Other items (net) include the balances of other assets and General Provisions other liabilities, which are not included in the above-mentioned aggregates. The tables disclose information about balance sheet indi- cators and transactions with financial assets and liabilities of the Households sector and are part of sectoral balance sheets Table 1.16 and financial accounts of the System of National Accounts of Financial Sector Survey the Russian Federation for the Households sector, compiled by General Provisions the Bank of Russia in accordance with Clause 16.1 of Article 4 of Federal Law No. 86‑FZ, dated 10 July 2002, ‘On the Central The table presents the result of consolidated data shown Bank of the Russian Federation (the Bank of Russia)’. in the Banking System Survey and Other Financial corporations Financial assets and liabilities of households are presented Survey. The consolidation is made by subtracting all intersec- by type of financial instruments, which makes it possible to use toral claims and liabilities between monetary authorities, credit this information in the comprehensive analysis of consumer and institutions, other financial corporations and by adding up their savings patterns of households, their investment preferences, transactions to other resident and nonresident sectors. The the composition of household borrowing, as well as the dynamics Bank of Russia compiles Financial Sector Survey on a quarterly and structure of financial wealth as part of the overall well-being basis. of households. The published data on financial assets and liabil- Individual Indicators Highlights ities of households help improve the consistency of data on the balance of disposable income and expenditure of households, Net foreign assets — netting all transactions in assets and financial accounts, and sectoral balance sheets of the System liabilities made by monetary authorities, credit institutions, other of National Accounts (SNA). financial corporations with nonresidents in foreign and national The methodological basis for the compilation of data on currency. financial assets and liabilities of the Households sector is the Sys- Domestic claims comprise claims of the banking system and tem of National Accounts Manual 2008 (hereinafter, SNA‑2008).1 other financial corporations on nonfinancial corporations and In accordance with SNA‑2008, balance sheet indicators households, and also net claims on general government. of financial assets and liabilities contain data on the stock Net claims on general government include claims of the of financial assets and liabilities at a certain point of time. The banking system and other financial corporations on the Rus- value of assets at any time changes whenever a transaction is sian Federation government, fiscal authorities of the Russian made, prices change, or any other changes occur that influence Federation constituent entities and local authorities, govern- the volumes of assets and liabilities. Balance sheet indicators of ment and other extrabudgetary funds less the liabilities of the financial assets and liabilities denominated in foreign currency banking system and other financial corporations to the general are translated into the national currency at the exchange rate as government. of the last business days of the reporting period. Claims on other sectors include claims of banking system A transaction is an economic flow that is the interaction be- and other financial corporations on nonfinancial corporations tween institutional units by mutual agreement. Transactions with and households. financial assets and liabilities denominated in foreign currency Claims on nonfinancial corporations comprise investments are converted into domestic currency at the average exchange by the banking system and other financial corporations in debt rate for the period in which the transaction is made. As a rule, securities and shares issued by nonfinancial corporations, cred- the valuation of transactions is based on market prices. Where its and loans extended to nonfinancial corporations and other this is impossible for lack of information, indirect methods of accounts receivable. transaction valuation are used. Households’ transactions with Claims on households include loans and credit extended by unlisted shares and other equity stakes in non-residents are the banking system and other financial corporations to individuals measured in accordance with the methodological approaches of and individual entrepreneurs. the sixth edition of the Balance of Payments and International Currency outside financial sector — cash issued by the Investment Position Manual2 (hereinafter, BPM6) and correspond Bank of Russia less cash in vaults of the Bank of Russia, credit to the balance of payments data of the Russian Federation. institutions and other financial corporations. In the absence of sources of information on transactions Deposits include funds held by the Russian Federation and balance sheet indicators of financial assets and liabilities residents (nonfinancial corporations and households) in current of the Households sector, the indicators are calculated using accounts, time deposit and other funds attracted by the banking the residual method based on known total amounts across all system, both included and excluded from broad money. sectors of the economy. Securities other than shares include bonds, bills, deposit The definition of the Households sector corresponds to and saving certificates issued by credit institutions and other Appendix B ‘Classification of institutional sectors of the econo- financial corporations. my’ to the All-Russian Classification of Forms of Incorporation 1 System of National Accounts 2008 (European Commission, United Nations, Organization for Economic Cooperation and Development, International Monetary Fund, World Bank). 2 Balance of Payments and International Investment Position Manual, Sixth Edition (BPM6), International Monetary Fund, 2009. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 213 OK 028‑2012 (approved by Rosstandart Order No. 505‑st, dated Deposits with non-resident banks are funds of households 16 October 2012). in settlement, current, and other demand accounts (including An institutional unit is an economic entity that has the bank card payment accounts), time deposit accounts in foreign capacity, in its own right, to own assets, incur liabilities, en- currency with non-resident banks. gage in economic activity and transactions with other entities Funds in brokerage accounts are households’ funds in bro- (SNA‑2008: 4.2). Institutional units are grouped by sector and kerage accounts of professional securities market participants subsector. (credit institutions and non-bank financial institutions) intended The Households sector consists of institutional units com- for accounting customer funds and making settlements with prising an individual or a group of individuals, including individual customers and third parties under brokerage operations, which entrepreneurs. are transactions of professional securities market participants The methodology for deriving the indicators of financial as- with securities, precious metals and/or foreign currency, as well sets and liabilities of the Households sector may be updated as as under agreements that are financial derivatives on the account methods of and approaches to calculating indicators are improved and at the instruction of customers on the basis of concluded as part of the efforts to harmonize SNA indicators with other agency or commission agreements. areas of macroeconomic statistics. Debt securities are bonds, promissory notes, savings certifi- The main source of information for compiling the ‘Financial cates, certificates of deposit, depositary receipts for bonds, and Assets and Liabilities of the Households Sector’ is the monthly other debt securities. Debt securities give their holders the right consolidated balance sheet of operating credit institutions (ex- to receive payments in the amount and on the date specified in cluding branches of Russian credit institutions abroad) and credit a contract. Transactions with debt securities also include their institutions with revoked licenses — reporting form 0409101 ‘Trial issuance, redemption, purchase, and sale. Balance Sheet on the Accounting Records of a Credit Institution’. Loans and microloans are all loans and microloans, includ- Other sources of information are: the balance sheet of the State ing overdraft loans, and excluding accounts receivable/payable. Development Corporation VEB.RF; reporting form 0420867 Loans and microloans within household liabilities are loans and ‘Report on Performing Operations, Types and Cost of Securities claims acquired by credit institutions on loans: housing mort- Recorded in Accordance With Contracts for Providing Services gage loans, car loans, consumer loans, other loans, and accrued of a Specialized Depository to a Management Company Engaged interest claims, housing mortgage loans sold to mortgage agents in Trust Management of Pension Savings that the Pension and (including repayments), consumer loans sold to special-purpose Social Insurance Fund of the Russian Federation Transferred to financial companies, as well as microloans issued by microfinance it, and on Transactions That the Said Management Company organizations. Conducts Using Pension Savings’; reporting form 0409711 ‘Re- Shares and other equity stakes are shares, including shares port on Securities and Digital Rights’; reporting form 0409303 in joint-stock investment funds, depositary receipts for shares, in- ‘Information on Loans Granted to Legal Entities’; reporting form vestment units in unit investment funds, and other equity stakes. 0409110 ‘Details on Individual Indicators of a Credit Institution’s Residents’ listed shares are shares admitted to on-exchange Activity’; trading data of the Moscow Exchange; data from the trades and included in the quotation lists (Level 1 and Level 2) on register of issues (additional issues) of credit institutions’ se- the Moscow Exchange. Non-residents’ listed shares are shares curities registered and cancelled by the Bank of Russia, as well with market quotations for the last three months preceding as issues (additional issues) of securities earlier suspended and the reporting date. Shares and other equity stakes represent then renewed.1 funds of a shareholder of an institutional unit. Consistent with Individual Indicators Highlights BPM6 approaches, other equity stakes in non-residents include other capital investments (free aid, maintenance, consulting, Currency means all notes and coins issued by central banks. personnel training, etc.), as well as cross-border investment in Households’ currency assets are cash holdings in domestic real estate considered as direct equity investment in a notional currency, which is a liability for the central bank, and in foreign institutional unit. currency, which is a liability for the rest of the world. Foreign cur- Insurance and pension reserves and pension savings are rency transactions include the purchase/sale of foreign currency life and non-life insurance reserves, pension reserves, as well by households from both non-residents and residents. as entitlements to pension benefits and funds under long-term Transferable deposits are funds of households in settlement, savings agreements. current, and other demand accounts (including bank card pay- Accounts receivable/payable are outstanding amounts re- ment accounts) opened with operating credit institutions in the lated to the purchase/sale of securities, dividend payments, rent, currency of the Russian Federation. wages, tax payments, and payments for utility services, as well Other deposits are funds of households with operating as other outstanding amounts. credit institutions in time deposit accounts and other funds in Funds in escrow accounts are funds in household accounts Russian rubles held for a fixed term, all types of foreign currency opened for settlements under shared construction agreements as deposits, precious metal accounts, as well as all accrued interest well as for transactions to purchase/sell real estate in accordance on deposits. with the legislation of the Russian Federation. 1 More details about the sources of information for compiling the indicators of financial assets and liabilities of the Households sector as well as information about the seasonal adjustment of transactions with financial assets and liabilities are provided in the Methodological Notes to the publication ‘Financial Assets and Liabilities of the Households Sector’ on the Bank of Russia website at http://www.cbr.ru. 214 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Section 2. The Bank of Russia Balance Sheet. Monetary Policy Instruments This section highlights monetary policy instruments used Liabilities by the Bank of Russia: required reserves, auctions to provide Cash in circulation — the amount of banknotes and coins and absorb liquidity, and standing facilities. All the data cited in issued by the Bank of Russia, excluding cash rubles in Bank of this section are available on the Bank of Russia website, in the Russia vaults, Bank of Russia ATMs and in transit, as well as Statistics section. cash held by the Bank of Russia and dispensed to provide cash services to credit institutions. Funds in accounts with the Bank of Russia mainly include Table 2.1 balances in federal budget accounts with the Bank of Russia, The Bank of Russia Balance Sheet funds in the treasury single account, funds in correspondent, General Provisions deposit and required reserve accounts deposited by credit in- stitutions with the Bank of Russia, payment system operators’ The accounting and compiling of the Bank of Russia bal- funds, as well as funds of other clients of the Bank of Russia. ance sheet are regulated by the Federal Law ‘On the Central Liabilities to the IMF include funds on the IMF’s accounts Bank of the Russian Federation (Bank of Russia)’, the Federal in rubles and liabilities on SDRs distributed to the Russian Fed- Law ‘On Accounting’, Bank of Russia Regulation No. 522‑P, eration as a result of SDR allocation by the IMF. dated 21 December 2015, ‘Bank of Russia Accounting Policy for Other liabilities mainly represent complementary Bank of Accounting Purposes’, Bank of Russia Regulation No. 567‑P, Russia employee pension scheme funds, liabilities on other op- dated 19 December 2016, ‘On Chart of Accounts for Account- erations and balances of some other accounts. Other liabilities ing Purposes in the Central Bank of the Russian Federation reflect the excess of positive unrealized differences, which arise (Bank of Russia) and the Procedure for Using It’, and other from the revaluation of foreign currency, securities or precious Bank of Russia regulations issued in compliance with the metals during a year, over negative ones. If during the year, above federal laws. there arises an excess of negative unrealized differences, these Pursuant to Article 25 of the Federal Law ‘On the Central amounts are posted as part of Other assets. Bank of the Russian Federation (Bank of Russia)’, the Bank of Capital Russia publishes its balance sheet every month. Capital is the sum of the authorized capital, reserves and In addition to being published in the Bank of Russia Statisti­ special-purpose funds, as well as losses of previous years. cal Bulletin, the Bank of Russia financial statements are included in the Bank of Russia’s Annual Report. Table 2.2 Individual Indicators Highlights The Bank of Russia Key Rate1 Assets General Provisions Assets are represented in the Bank of Russia balance sheet net of the provisions made for them. Accrued interest receivable/ The Bank of Russia key rate (hereinafter, the key rate) is an payable is included in related type of assets/liabilities of the Bank interest rate for the Bank of Russia to influence interest rates in of Russia balance sheet. the economy, which are optimal given the situation for achieving Foreign currency-denominated assets and precious metals the inflation target. The key rate is set by the Bank of Russia mainly include foreign currency claims on foreign financial institu- Board of Directors. The key rate equals the minimum/maximum tions and foreign issuers of securities, as well as precious metals rate on Bank of Russia operations to regulate banking sector in physical form, coins and commemorative medals. liquidity (one-week auctions to provide and absorb ruble liquidity). Credits and deposits mainly include credits and deposits, It is also the centre of the Bank of Russia’s interest rate corridor repo funds provided by the Bank of Russia to credit institutions, bounding the fluctuations of overnight interbank rates. and deposits placed as part of bank bankruptcy prevention mea- sures from the funds constituting the Fund of Banking Sector Table 2.3 Consolidation, as well as other credits. Securities represent the Bank of Russia’s investment in Required Reserve Ratios debt obligations of the Government of the Russian Federation, Table 2.4 debt obligations of other issuers of the Russian Federation, Required Reserve Averaging Ratios credit and other institutions’ shares (the Bank of Russia’s Set by the Bank of Russia equity stakes), as well as credit institutions’ shares and unit Table 2.5 investment funds’ units acquired to participate in bankruptcy Adjustment Ratios for Reservable Liabilities prevention measures. and Required Reserves Claims on the IMF include the Russian Federation’s quota Table 2.6 in the IMF, holdings on the account of the Russian Federation Required Reserves (Averaged Amount) Held by in the IMF’s SDR Department, and Bank of Russia loans issued Credit Institutions in Their Correspondent Accounts to the IMF under the New Arrangements to Borrow. (Subaccounts) with the Bank of Russia Other assets include Bank of Russia fixed assets, Bank of Russia claims on credit institutions with revoked licenses, General Provisions claims acquired as a result of compensation to the Pension and The table ‘Required Reserve Ratios’ shows changes in the Social Insurance Fund of the Russian Federation for a shortfall ratios for required reserves for credit institutions’ liabilities in in pension savings with non-governmental pension funds not Russian rubles and foreign currency. registered in the guarantee system for insured persons’ rights, The table ‘Required Reserve Averaging Ratios Set by the Bank of Russia claims on other operations, economic activity Bank of Russia’ presents changes in the required reserve averag­ settlements and other Bank of Russia transactions, and also ing ratios. the excess of negative unrealized differences, which arise from The table ‘Adjustment Ratios for Reservable Liabilities and the revaluation of foreign currency, securities or precious metals Required Reserves’ shows changes in the adjustment ratios for during a year, over positive ones. If during the year, there arises reservable liabilities and required reserves. an excess of positive unrealized differences, these amounts are The table ‘Required Reserves (Averaged Amount) Held by posted as part of Other liabilities. Credit Institutions in Their Correspondent Accounts (Subac- 1 Starting from 1 January 2016 the key rate is applied to the relations regulated by normative legal acts of the Government of the Russian Federation instead of the Bank of Russia refinancing rate, unless otherwise indicated by federal law (Resolution of the Government of the Russian Federation No. 1340, dated 8 December 2015). 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 215 counts) with the Bank of Russia’ presents changes in the amount on funds extended or attracted at these auctions are fixed (they of required reserves maintained by credit institutions in corre- do not change if the key rate changes). spondent accounts (sub-accounts). The said amount is included Interest rates on overnight standing facilities form the Bank in the item ‘Credit institutions’ correspondent accounts with the of Russia interest rate corridor that helps restrict the volatility of Bank of Russia’ in the table ‘Broad money’. overnight interbank rates and keep them closer to the key rate. Data on the required reserve ratios and averaging ratios and The Bank of Russia forms its interest rate corridor symmetrically their changes according to decisions made by the Bank of Russia relative to the key rate by setting interest rates on overnight Board of Directors are published in the Bank of Russia Bulletin. standing lending facilities (the Primary mechanism) at 100 bps This information is also available on the Bank of Russia website. above the key rate, and the interest rate on standing overnight Individual Indicators Highlights deposit facilities at 100 bps below the key rate. The Bank of Russia Board of Directors sets minimum rates Required reserves (required reserve ratios, required reserve submitted at loan auctions, which are conducted if there is a averaging ratio) are a basic instrument of the Bank of Russia’s significant and sustained structural deficit of liquidity, at 25 bps monetary policy. Information on the amount of required reserves above the key rate. These rates are floating, i.e. interest rates on is published in the Bank of Russia Bulletin and on the Bank of previously issued loans follow changes in the key rate (with a Russia website. fixed spread determined at auction). The required reserve ratios determine the amount of required The Bank of Russia Board of Directors sets minimum rates reserves as a percentage of a credit institution’s liabilities. submitted at 1-month repo auctions at 10 bps above the key The averaging ratio is a numerical factor ranging from 0 rate and at 1‑year repo auctions — at 25 bps above the key rate. to 1, which is used to calculate the averaged amount of required Interest rates on 1‑month and 1‑year repos are floating, i.e. they reserves. follow changes in the key rate (with a fixed spread determined According to Article 38 of the Federal Law ‘On the Central at auction). Bank of the Russian Federation (Bank of Russia)’, the amount of From 16 October 2023 the interest rates on standing lending required reserves (required reserve ratio, required reserve averag- facilities of the Primary mechanism are set by the Bank of Russia ing ratio) and the procedure for credit institutions’ fulfilment of Board of Directors at 100 bps above the key rate and those of the reserve requirements, including the procedure for depositing the Supplementary mechanism — at 175 bps above the key rate. required reserves with the Bank of Russia, are established by the The rates for terms more than 1 day are floating, i.e. interest Bank of Russia Board of Directors. rates on previously issued loans follow changes in the key rate. A credit institution deposits required reserves with the Bank Individual Indicators Highlights of Russia by transferring them into the required reserve account opened with the Bank of Russia, and (or) fulfilling the required Interest rate on standing deposit facilities is the interest reserve averaging obligation, that is, by maintaining the average rate on standing overnight deposit facilities that represents the amount of required reserves in the correspondent account and lower bound of the interest rate corridor and is set by the Bank sub-accounts opened with the Bank of Russia. of Russia Board of Directors at 100 bps below the key rate. In the case where a credit institution’s banking licence is Maximum rate submitted at deposit auctions is the highest revoked, the required reserves deposited by the credit institu- interest rate that can be submitted by deposit auction partici- tion with the Bank of Russia are used in accordance with the pants. Maximum interest rates submitted at main deposit auctions procedure stipulated by federal laws and related Bank of Russia (1 week) and at fine-tuning deposit auctions are set by the Bank regulations. of Russia Board of Directors equal to the key rate. The adjustment ratio is a numerical factor ranging from 0 Minimum rate submitted at repo auctions is the lowest to 1, which is established by the Bank of Russia Board of Directors interest rate that can be submitted by repo auction partici- for determining the amount of a credit institution’s liabilities to pants. Minimum interest rates submitted at main repo auctions other resident credit institutions under issued debt securities to (1 week) and at fine-tuning repo auctions are set by the Bank of be excluded from reservable liabilities. Russia Board of Directors equal to the key rate, while minimum The ratios on operations involving a credit institution — interest rates submitted at 1‑month repo auctions are set at 10 central counterparty are numerical factors ranging from 0 to 1, bps above the key rate and those at 1‑year repo auctions — at which are established by the Bank of Russia Board of Directors 25 bps above the key rate. for determining the amounts of a credit institution’s liabilities Minimum rate submitted at loan auctions (non-marketable that arise within repo and deposit operations between clearing assets) is the lowest interest rate that can be submitted by par- participants involving a credit institution — central counterparty ticipants at auctions to provide loans secured by non-marketable and are subject to be included in reservable liabilities pursuant assets. Minimum interest rates submitted at loan auctions are to Bank of Russia Regu­lation No. 753‑P, dated 11 January 2021, set by the Bank of Russia Board of Directors at 25 bps above ‘On Credit Institutions’ Required Reserves’ (became effective on the key rate. 1 April 2022). Interest rate on the Primary mechanism is the interest rate The adjustment of required reserves for a credit institution’s on overnight loans, repos for 1 day, Lombard loans and loans se- vault cash is to determine the value of cash in Russian rubles in cured by non-marketable assets for terms from 1 to 30 days that the credit institution’s vault to be excluded from the calculation represents the lower bound of the interest rate corridor and set of the regulatory amount of required reserves. by the Bank of Russia Board of Directors at 100 bps above the key rate. In addition, interest rate on FX swaps for 1 day equals interest rate on the Primary mechanism. Table 2.7 Interest rate on the Supplementary mechanism is the inte­ Interest Rates on Monetary Policy Instruments rest rate on repos and loans secured by non-marketable assets General Provisions for terms from 1 to 180 days, set by the Bank of Russia Board of Directors at 175 bps above the key rate. The table presents the dynamics of interest rates on mon- Interest rate on loans, repos and FX swaps for 1 day before etary policy instruments set by the Bank of Russia Board of 16 October 2023 was the single interest rate on all overnight Directors to achieve the operational goal of monetary policy standing liquidity provision facilities, including overnight loans, (which is to keep overnight interbank rates close to the key rate) Lombard loans, loans secured by non-marketable assets, repo and interest rates on the Supplementary mechanism of liquidity and FX swap operations. This rate represented the upper bound provision. Interest rates on monetary policy instruments are linked of the interest rate corridor and was set by the Bank of Russia to the key rate in percent per annum. Board of Directors at 100 bps above the key rate. The Bank of Russia Board of Directors sets maximum rates Interest rate on Lombard loans and loans secured by submitted at main deposit auctions and fine-tuning deposit auc- non-marketable assets for terms from 2 to 90 days before tions as well as minimum rates submitted at main repo auctions 16 October 2023 was the interest rate on standing lending facili- and fine-tuning repo auctions at the key rate level. Interest rates ties secured by non-marketable assets, and from 25 March 2022 216 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Individual Indicators Highlights the rate on Lombard loan facilities for terms from 2 to 90 days set by the Bank of Russia Board of Directors at 100 bps above Repo auctions means the amount of funds extended (trans- the key rate. ferred) by the Bank of Russia and available to credit institutions Interest rate on loans secured by non-marketable assets as a result of repo auctions including main repo auctions (1 week), for terms over 90 days before 16 October 2023 was the interest fine-tuning repo auctions, and longer-term repo auctions, at rate on standing lending facilities secured by non-marketable start of business. assets for terms from 91 to 549 days set by the Bank of Russia Intraday loans means the amount of loans issued by the Board of Directors at 175 bps above the key rate. Bank of Russia to credit institutions during the day by executing settlement documents and debiting funds from correspondent accounts/subaccounts exceeding the available balance. These Table 2.8 loans need to be repaid by the end of the operating day. Interest Rates on the Bank of Russia’s Primary mechanism standing facilities means the amount of Special Facilities funds extended (transferred) by the Bank of Russia and available General Provisions to credit institutions after they use Primary mechanism standing facilities broken down by repos, Lombard loans and loans secured The table shows the dynamics of interest rates (% per annum) by non-marketable assets, at start of business. In addition, the on loans extended within special facilities of the Bank of Russia. amount of funds that credit institutions borrowed through loans These interest rates were established in accordance with the secured by non-marketable assets at a rate with a spread of rules approved by the Bank of Russia Board of Directors. There 100 bps to the key rate before the launch of the Primary mech- are interest rates at which new loans are granted since the spec- anism and the Supplementary mechanism of liquidity provision. ified date. The special facilities of the Bank of Russia are aiming Supplementary mechanism standing facilities and Special to incentivize credit institutions to grant loans to top-priority facilities means the amount of funds extended (transferred) by industries and economic sectors. the Bank of Russia and available to credit institutions after they Individual Indicators Highlights use Supplementary mechanism standing facilities as well as Special facilities, at start of business. In addition, the amount of SME Support — the interest rates on Bank of Russia loans funds that credit institutions borrowed through loans secured by secured by guarantees of JSC Russian Small and Medium Business non-marketable assets at a rate with a spread of 175 bps to the Corporation and from 20 June 2023 on Bank of Russia loans key rate before the launch of the Primary mechanism and the secured by federal government bonds. Also, up to and including Supplementary mechanism of liquidity provision. 22 August 2021, the interest rate on Bank of Russia loans se- cured by credit claims of JSC SME Bank on credit institutions, Table 2.10 microfinance organizations or leasing companies for lending or on ceding property to SMEs. Liquidity Placed by Credit Institutions on Deposits Non-Commodity Export Support (EXIAR) — the interest rate and in Bank of Russia Bonds on Bank of Russia loans secured by credit claims on agreements General Provisions backed by insurance contracts of JSC Russian Agency for Export Credit and Investment Insurance (JSC EXIAR). The table contains information for the last full calendar month Support for Large Investment Projects — the interest rate on credit institutions’ funds (liquidity) placed in Bank of Russia on Bank of Russia loans secured by claims on loans granted for instruments. The information is provided on a daily basis (business the purpose of financing investment projects. Also, up to and days) in billions of rubles. including 20 May 2019, the interest rate on Bank of Russia loans Individual Indicators Highlights secured by bonds placed for the purpose of financing investment projects. Deposits with the Bank of Russia means credit institu- Leasing Development Support — the interest rate on Bank tions’ funds, excluding interest, in deposit accounts with the of Russia loans secured by credit claims on leasing companies. Bank of Russia as a result of using overnight standing deposit Economy Support Amid the COVID‑19 Pandemic — from facilities (by submitting a corresponding payment order at any 1 November 2021 to 1 May 2022, the interest rate on Bank of time during the operating day) or as a result of deposit auc- Russia loans secured by guarantees of JSC Russian Small and tions, including main deposit auctions (1 week) and fine-tuning Medium Business Corporation granted to support lending to deposit auctions. SMEs operating in various industries of Russia’s economy most Bank of Russia bonds means the amount of credit institu- affected by COVID‑19. Previously, the interest rate on Bank of tions’ funds that were actually transferred for the purchase of Russia unsecured loans granted to support SME lending (loans Bank of Russia bonds in circulation as a result of auctions. provided until 30 September 2020) and on Bank of Russia un- secured loans or loans secured by guarantees of JSC Russian Table 2.11 Small and Medium Business Corporation to support lending for urgency needs and for maintaining employment (loans provided Results of Main Bank of Russia Auctions until 30 November 2020). General Provisions SME Support (unsecured loans) — the interest rates on unsecured loans to support lending to SMEs (provision from The table contains information for the last full calendar month 11 March to 30 December 2022). on the results of main Bank of Russia auctions with raising credit institutions’ funds via deposit auctions or providing funds to credit institutions via repo auctions for one week. In the context Table 2.9 of a structural liquidity surplus, the Bank of Russia holds main Liquidity Provided by the Bank of Russia deposit auctions on a weekly basis; in the context of a structural through Lending and Repo Operations liquidity deficit, the Bank of Russia holds main repo auctions on General Provisions a weekly basis. Individual Indicators Highlights The table contains information for the last full calendar month on funds (liquidity) provided by the Bank of Russia to credit in- Auction date is the day when a one-week main deposit stitutions in rubles through lending and repo operations broken auction is held and its results are announced, usually, Tuesday. down by instruments. The information is provided on a daily basis Auction type is the specific type of the main auction held: (business days) in millions of rubles. a main deposit auction or a main repo auction. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 217 Settlement date / date of the first leg is the day when funds Maturity is the number of days for which the Bank of Russia are transferred to deposit accounts by credit institutions or to provided funds in the case of a repo auction or credit institutions correspondent accounts of the credit institutions whose orders transferred funds to deposit accounts in the case of a deposit were satisfied at auction; usually, the next business day after auction. the auction date. Weighted average rate is the average interest rate calculated Maturity date / date of the second leg is the day when funds as a result of the auction and weighted by the amount of satisfied are to be repaid to credit institutions or by credit institutions. orders, in percent per annum. Weighted average rate is the average interest rate calculated Amount is the amount of funds to be transferred by the Bank as a result of the main auction and weighted by the amount of of Russia through entering into repo transactions as a result satisfied orders, in percent per annum. of a repo auction or to be transferred by credit institutions to Amount of extended funds is the amount of funds to be deposit accounts as a result of a deposit auction (this indicator transferred by credit institutions to deposit accounts as a result is not adjusted if the amount of actually provided or attracted of a deposit auction or to be provided by the Bank of Russia un- funds differs due to failure to execute deals), billions of rubles. der repo transactions as a result of a repo auction (this indicator is not adjusted if the amount of actually transferred funds differs Table 2.13 due to failure to execute deals), in billions of rubles. Results of Bank of Russia Long-Term Repo Auctions General Provisions Table 2.12 Results of Bank of Russia Fine-Tuning Auctions The table contains information for the last three full calendar General Provisions months on the results of Bank of Russia 1‑month and 1‑year repo auctions. The Bank of Russia holds these auctions monthly in The table contains information for the last full calendar month line with an approved schedule. on the results of Bank of Russia fine-tuning auctions. The Bank Individual Indicators Highlights of Russia holds fine-tuning auctions to prevent substantial fluc- tuations of interest rates on overnight interbank loans in case Auction date is the day when a long-term repo auction is of an imbalance of supply and demand for liquidity in the money held and its results are announced. market. The Bank of Russia holds repo auctions if supply exceeds Date of the first leg is the day when funds are transferred demand, and deposit auctions if demand exceeds supply. If neces- under repo transactions to the credit institutions whose orders sary, the Bank of Russia holds fine-tuning auctions between main were satisfied at auction; usually, the next business day after weekly actions. This means that funds at fine-tuning auctions the auction date. are provided or attracted for shorter periods (usually, no longer Date of the second leg is the day when credit institutions than for six calendar days). need to repay the funds to the Bank of Russia under the repo Individual Indicators Highlights transactions. Weighted average rate is the average interest rate calcu- Auction date is the day when a fine-tuning auction is held lated as a result of the auction on funds provided under repo and its results are announced; also the day when the Bank of transactions and weighted by the amount of satisfied orders, in Russia provides funds to credit institutions in the case of a repo percent per annum. auction or when credit institutions transfer funds to deposit Amount of extended funds is the amount of funds to be accounts in the case of a deposit auction. transferred to credit institutions as a result of the auction (this Auction type is the type of the fine-tuning auction held: a indicator is not adjusted if the amount of actually transferred repo auction or a deposit auction. funds differs due to failure to execute deals), billions of rubles. 218 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Section 3. Financial Markets Subsection 3.1. Interbank Credit Market Table 3.1.5 Average Daily Turnover of Interbank Lending (Deposits) and REPO Operations Table 3.1.1 Table 3.1.6 Monthly Average Actual Rates on Moscow Banks’ Average Daily Interbank Lending (Deposits) Turnover Credits in Rubles (MIACR, MIACR‑IG, MIACR‑B) and REPO Operations by Maturity Table 3.1.2 Monthly Average Actual Rates on Moscow Banks’ General Provisions Credits in US Dollars (MIACR USD) These tables are formed on the basis of the daily report- Table 3.1.3 ing form 0409701 ‘The foreign exchange and money markets Weighted Average Actual Rates on Moscow Banks’ transactions report’ in compliance with the Bank of Russia Or- Credits in Rubles (MIACR, MIACR‑IG, MIACR‑B) dinance No. 4927‑U, dated 8 October 2018, ‘On the List, Forms Table 3.1.4 and Procedure for Compiling and Presenting Credit Institutions Weighted Average Actual Rates on Moscow Banks’ Reporting Forms to the Central Bank of the Russian Federation’ Credits in US Dollars (MIACR USD) presented by the panel banks. The data include average daily interbank credits (deposits) turnover and repo operations with General Provisions breakdown by maturity bands, instruments and currencies applied These tables contain the data on bid and offered rates and in the interbank money market. interbank lending rates with breakdown by maturity bands (1 day, Information is also published on the Bank of Russia’s official 2 to 7 days, 8 to 30 days, 31 to 90 days, 91 to 180 days and website. 181 days to 1 year) in rubles and in US dollars. Individual Indicators Highlights The source of data is the daily reporting form 0409701 ‘The foreign exchange and money markets transactions report’ in Interbank lending (deposits) turnover and repo operations compliance with the Bank of Russia Ordinance No. 4927‑U, dated include interbank lending transactions and deposits without any 8 October 2018, ‘On the List, Forms and Procedure for Compiling collateral or obligations and repo operations, conducted with resi­ and Presenting Credit Institutions Reporting Forms to the Central dents of the Russian Federation (excluding double counting) and Bank of the Russian Federation’ presented by the panel banks non-residents of the Russian Federation (banks and international in the Moscow region. financial institutions). Information on the interbank money market rates is also Data exclude transactions with the Bank of Russia, on-de- published in the Bank of Russia Bulletin and on the Bank of mand operations, intraday operations, subordinate loans and Russia’s official website. syndicated loans. Individual Indicators Highlights Monthly Average Actual Rates on Moscow Banks’ Credits Subsection 3.2. Exchange Rates and Reference (MIACR, MIACR‑IG, MIACR‑B) are calculated as simple averages Prices of Precious Metals of daily MIACR, MIACR‑IG and MIACR‑B rates for the correspond- ing period with breakdown by maturity bands. Table 3.2.1 Weighted Average Actual Rates on Credits (MIACR, Official Exchange Rate of US Dollar Against Ruble MIACR‑IG, MIACR‑B) are calculated as weighted averages of Table 3.2.2 the interest rates applied to the actual interbank lending trans- Official Exchange Rate of Euro Against Ruble actions conducted by Moscow banks with breakdown by maturity bands. Transactions with maximal rates (10% of overall volume of General Provisions transactions) and transactions with minimal rates (10% of overall Official exchange rates of foreign currencies against ruble are volume of transactions) are excluded from calculation. set and published by the Bank of Russia according to Article 53 Since January 2015, transactions with volume 10 times above of Federal Law ‘On the Central Bank of Russian Federation (Bank the maximum total daily volume of the bank’s similar transactions of Russia)’. (with regard to maturity and currency) for the latest six months Data on official exchange rates are disseminated on the day are excluded from calculation of interbank lending rates MIACR, of their setting on the Bank of Russia’s website and are published MIACR‑IG, MIACR‑B. Furthermore, rates and corresponding in the Bank of Russia Bulletin. turnover volumes are not published in case of calculation on the Individual Indicators Highlights basis of less than three transactions. Since August 2015, bank’s transactions with one counter- Official exchange rate of US dollar against ruble is calcu- party at the similar rate (with regard to maturity and currency) lated and set by the Bank of Russia each business day on the are considered as one transaction for calculation of interbank basis of USD/RUB quotations in the domestic interbank foreign lending rates MIACR, MIACR‑IG, MIACR‑B. exchange market. Since February 2016, transactions between banks involved in Official exchange rate of euro against ruble is calculated and measures aimed at preventing bank bankruptcy and correspond- set by the Bank of Russia on the basis of the official exchange ing investor banks are excluded from calculation of interbank rate of the US dollar against ruble and EUR/USD quotations in lending rates MIACR, MIACR‑IG, MIACR‑B. the international interbank foreign exchange market. Weighted Average Actual Rates on Moscow banks’ credits (MIACR) include rates in lending transactions with resident and Table 3.2.5 non-resident banks. Weighted Average Actual Rates on Moscow banks’ credits Reference Prices of Refined Precious Metals to Russian banks with high credit rating (MIACR‑IG) include General Provisions rates in lending transactions with Russian banks with credit rating from Baa3 on Moody’s scale or BBB– on Fitch and Standard & To promote further development of the precious metals Poor’s scales and higher. market in Russia, the Bank of Russia, pursuant to its Ordinance Weighted Average Actual Rates on Moscow banks’ credits No. 1283‑U, dated 28 May 2003, ‘On the Procedure for Fixing to Russian banks with speculative credit rating (MIACR‑B) Reference Prices of Refined Precious Metals’, sets book prices of include rates in lending transactions with Russian banks with precious metals every business day at 2 p.m. Moscow time. They credit rating from B3 to B1 on Moody’s scale or from B– to B+ are calculated on the basis of real time spot prices of gold, silver, on Fitch and Standard & Poor’s scales. platinum and palladium from London Fixings and recalculated in 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 219 rubles at an official US dollar / ruble rate effective on the day of underlying securities in exchange for the depository receipts following the day on which book prices were fixed. and to be provided with services in relation to the exercise of The table shows daily book prices of above precious metals rights attached to the underlying securities by the RDR holder. for the accounting month. Investment Share (Unit) is an inscribed security that certi- To enable credit institutions to account for precious metals fies the right of its holder for a share in the property of a unit (gold, silver, platinum and palladium), it is established that refer- investment fund, the right to demand appropriate trust (fiduciary) ence prices of refined gold, silver, platinum and palladium come management of the unit investment fund from its management into effect on the business day following the day on which they company, and the right to get cash compensation upon termi- were fixed and remain effective until the Bank of Russia sets nation of a trust management contract of the unit investment new reference prices. fund with all the holders of its investment shares (termination Bank of Russia Ordinance No. 1284‑U, dated 28 May 2003, of the unit investment fund). ‘On Invalidating Some Bank of Russia Regulations’ repealed Derivative Financial Instrument (Derivative) is an agreement Bank of Russia Ordinance No. 652‑U, dated 30 September 1999, (contract), excluding repo contracts, which provides for one or ‘On the Procedure for Calculating the Bank of Russia Buying several of the following obligations: and Selling Prices of Refined Precious Metals in Operations with 1) the obligation of the parties or a party to the agreement to Credit Institutions’ (with amendments), which set the procedure pay on a periodical basis or as a lump sum, including if a claim for fixing prices for the Bank of Russia buying and selling precious is made by the other party, amounts of money depending on metals on the domestic market. changes in the price of commodities, securities, exchange Bank of Russia Ordinance No. 1993‑U, dated 9 April 2008, rate of a respective currency, interest rates, inflation rate, ‘On Amending Point 2 of Bank of Russia Ordinance No. 1283‑U, derivatives’ prices, official statistical information, physical, dated 28 May 2003, ‘On the Procedure for Fixing Reference biological and (or) chemical indices of environmental con- Prices of Refined Precious Metals’, cancelled since 1 July 2008, ditions, occurrence of circumstances which give evidence discounts for fixings equaling ‘the average cost of delivery of of a failure to discharge or of improper discharge by one or each precious metal to the international market’. several legal entities, governments or municipal entities of The reference prices of precious metals fixed by the Bank their obligations (excluding the surety agreement and the of Russia are published in the Bank of Russia Bulletin, reported insurance agreement), or any other circumstance provided by Interfax, PRIME, Reuters, Associated Press and other news for federal laws or Bank of Russia regulations, and in respect agencies and are available on the Bank of Russia’s website. of which it is not known whether they will occur or not, and also depending on changes in values calculated on the basis of a single value or an aggregate of several values of Table 3.3 indices cited in this clause. This agreement may also provide Stock Exchange Trade by Types of Securities for the obligation of the parties or a party to the agreement and Financial Derivatives to transfer securities, commodities or currency to the other General Provisions party or the obligation to make a contract that is a derivative; 2) the obligation of the parties or a party to the agreement The table ‘Stock Exchange Trade by Type of Securities and under the terms and conditions defined when making it, if Financial Derivatives’ shows volumes of stock exchange trade in the other party makes a claim, to purchase or sell securities, securities and financial derivatives (including repos) broken down currency or commodities or to make a contract which is a by type of securities and financial derivatives. derivative; Volumes of trade in futures on securities and futures on stock 3) the obligation of the parties or a party to the agreement indices are calculated separately for futures. Volumes of trade in to transfer the securities, currency or commodities to the options on futures, an underlying asset of which are securities, other party for ownership at the earliest on the third day and options on futures, an underlying asset of which are stock after making the agreement and the obligation of the other indices, are calculated separately for options. party thereto to accept and pay for the cited property, and Individual Indicators Highlights contains an indication that such agreement is a derivative. Futures Agreement (Contract) shall be deemed a contract The terms ‘share’, ‘bond’, ‘investment unit’, ‘financial deriva- made in the course of exchange trade which provides for the tive’, ‘futures’, and ‘option’ are defined in line with Federal Law obligation of either party to the agreement to make periodical No. 39‑FZ, dated 22 April 1996, ‘On the Securities Market’, Fede­ monetary payments depending on changes in the price and (or) ral Law No. 65‑FZ, dated 22 April 2010, ‘On Investment Funds’, the value of the underlying asset and (or) the occurrence of the and Bank of Russia Ordinance No. 3565‑U, dated 16 February circumstance which constitutes an underlying asset. 2015, ‘On Types of Financial Derivatives’. Option Agreement (Contract) shall be deemed the following: Share is an issued security that fixes the rights of its owner 1) an agreement providing for the obligation of either party (shareholder) to receive part of the profit of a corporation in to the agreement, if a claim is made by the other party, to the form of dividends, to participate in the management of the pay on a periodical basis and (or) as a lump sum amounts corporation and to receive part of the property that remains of money depending on changes in the price (value) of the after its liquidation. Shares are inscribed (registered) securities. underlying asset or occurrence of the circumstance which is Bond is an issued security that fixes the right of its holder deemed to be an underlying asset; to receive its nominal value from the bond issuer, in the period 2) an agreement providing for the following: of time provided for by such bond, or other property equivalent. the obligation of either party to the agreement under the A bond may likewise provide for the right of its holder to re- terms and conditions defined when making it, if the other par- ceive the interest fixed in it, on the nominal value thereof or for ty makes a claim, to purchase or sell the underlying securities, other property rights. The income on a bond is interest and (or) currency or commodity, including by way of making by a party discount. (parties) thereto and (or) by the person (persons) in whose Russian depositary receipt (RDR) is a registered security that interests the option agreement has been made, a contract of does not have a par value, confers ownership rights to a certain securities purchase and sale, a contract of foreign currency number of securities (shares or bonds of a foreign issuer (under- purchase and sale or a contract of commodities delivery; or lying securities) or securities of other foreign issuer certifying the the obligation of either party to an agreement if the rights to shares or bonds of a foreign issuer) and carries the RDR other party thereto makes a claim, to make a contract that holder’s right to receive from the RDR issuer the relevant number is a derivate and constitutes an underlying asset. 220 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Table 3.4 The Moscow Exchange reviews the MICEX and the RTS Indi- Main Stock ces’ List of constituent Stocks four times a year. Market Indicators Individual Indicators Highlights General Provisions The Moscow Exchange trade turnover is the value of trans- The table presents data on the MICEX index, the RTS index actions with stocks, conducted in secondary trading on the and the Moscow Exchange trade turnover. Moscow Exchange in ruble equivalent. The MICEX index has been calculated since 22 September The MICEX Index and the RTS Index are capitalization-weight- 1997 (its initial value was set at 100 points) on the basis of ruble ed composite indices calculated based on prices of 50 most liquid stock prices. The sample of stocks included into the calculation stocks of Russian issuers. Russian depositary receipts (RDRs) also basis is the expert evaluation. may be included into the indices’ Constituent List. The market The RTS index has been calculated since 1 September 1995 capitalization contains a share of stocks outstanding in the (its initial value was set at 100 points). Stock prices are denomi- secondary market (free-float). nated in US dollars. The sample of stocks used for the RTS index More detailed information on the calculation of the above calculation basis is the expert evaluation. indicators is available at the website: rts.micex.ru. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 221 Section 4. Financial Institutions’ Performance Subsection 4.1. General Description institutions authorized for money transfers without opening banking accounts and other banking operations connected Table 4.1.1 with them); Quantitative Characteristics 2) credit institution authorized for selected banking operations, established by Federal Law ‘On Banks and Banking Activities’. of Operating Credit Institutions The permissible combination of banking operations for such General Provisions nonbanking institutions are specified by the Bank of Russia. 3) сredit institution — central counterparty operating in comp­ The table provides data on the number and structure of liance with Federal Law No. 7‑FZ, dated 7 February 2011, credit institutions operating in the Russian Federation. ‘On Clearing, Clearing Activity and Central Counterparty’. Credit institutions are subject to state registration pursuant The Bank of Russia establishes admissible combinations of to the Federal Law ‘On the State Registration of Legal Entities banking operations for a non-bank credit institution — central and Individual Entrepreneurs’. They are registered according to counterparty. the procedure established by Articles 4 and 59 of the Federal Оperating сredit institutions — credit institutions registered Law ‘On the Central Bank of the Russian Federation (the Bank by the Bank of Russia before 1 July 2002, or by the registration of Russia)’ and Article 12 of the Federal Law ‘On Banks and authority, and entitled to conduct banking operations. Banking Activities’. The Bank of Russia licence is a special permission of the The Bank of Russia makes decisions on state registration of Central Bank of the Russian Federation (the Bank of Russia) credit institutions, grants banking licences to them and suspends on whose basis a credit institution has the right to conduct and revokes such licences. banking operations. The banking licence spells out the banking Data on the establishment, reorganization and liquidation operations the given credit institution has the right to carry of credit institutions and other data stipulated by federal laws out, and also the currency in which these banking operations are entered into a single state register of legal entities by an can be performed. authorized registering body on the basis of the Bank of Russia The following types of licences may be issued to newly decision on corresponding state registration. The Bank of Russia created credit institutions: interacts with the registration authority on issues relating to the — universal licence to conduct banking operations in rubles state registration of credit institutions in accordance with the (without the right to accept individual deposits and accept procedure agreed by the Bank of Russia with the registration and invest precious metals); authority. — universal licence to conduct banking operations in rubles For the procedure of registration of credit institutions and and foreign currency (without the right to accept individual licensing of banking activities, see also the Bank of Russia In- deposits) and accept and invest precious metals; struction No. 135‑I, dated 2 April 2010, ‘On the Procedure for — universal licence to conduct banking operations in rubles and Making Decisions by the Bank of Russia on the State Registration foreign currency (with the right to accept individual deposits) of Credit Institutions and Issuing Banking Licences’. and accept and invest precious metals; To fulfill its controlling and supervisory functions, the Bank — universal licence to conduct banking operations in rubles of Russia keeps the State Register of Credit Institutions in (without the right to accept individual deposits, accept and accordance with the procedure established by federal laws and invest precious metals, and implement collection of cash, the Bank of Russia rules and regulations issued in pursuance bills, payment and settlement documents and cash service of these laws. of individuals and legal entities); The register of licences granted to credit institutions must be — universal licence to conduct banking operations in rubles and published by the Bank of Russia in the Bank of Russia Bulletin foreign currency and accept and invest precious metals (with- at least once a year. Any change or addition to the register is out the right to accept individual deposits and implement published by the Bank of Russia within one month from the day collection of cash, bills, payment and settlement documents it was entered into the register. and cash service of individuals and legal entities); Information on official registration of credit institutions, — basic licence to conduct banking operations in rubles (with- granting them licences, changes in their names, location, re- out the right to accept individual deposits and accept and structuring and liquidation are reported in the Bank of Russia invest precious metals); Bulletin and placed on the Bank of Russia’ website. — basic licence to conduct banking operations in rubles and Individual Indicators Highlights foreign currency (without the right to accept individual de- posits) and accept and invest precious metals; The concepts of a credit institution, bank and nonbanking — basic licence to conduct banking operations in rubles credit institutions are determined by the Federal Law ‘On Banks (without the right to accept individual deposits, accept and and Banking Activities’ (Article 1). invest precious metals, and implement collection of cash, Credit institution — legal entity authorized by a special the bills, payment and settlement documents and cash service Bank of Russia permission (licence) to make its profits from of individuals and legal entities); banking activities within the framework of the above legislation. — basic licence to conduct banking operations in rubles and A credit institution may be established on the basis of any form foreign currency and accept and invest precious metals (with- of ownership as an economic agent. out the right to accept individual deposits and implement Bank — credit institution having an exclusive authority for collection of cash, bills, payment and settlement documents complex banking operations, namely: to accept deposits of legal and cash service of individuals and legal entities); entities and individuals, to invest raised funds on its behalf and — licence to conduct banking operations in rubles or in rubles at its cost on terms of repayability, chargeability, and maturity, and foreign currency for nonbank settlement credit institu- and also to open and keep banking accounts of individuals and tions; legal entities. — licence to conduct banking operations in rubles or in rubles Nonbanking credit institution: and foreign currency for nonbank credit institutions carrying 1) credit institution authorized exclusively for banking oper- out credit and deposit operations; ations, mentioned in points 3 and 4 (only in the part of — licence to conduct banking operations in rubles or in rubles banking accounts of legal entities connected with money and foreign currency for nonbank credit institutions autho- transfers without opening banking accounts), and also in rized for money transfers without opening accounts and point 5 (only in the part of money transfers without opening other banking operations connected with them; banking accounts) and in point 9 part one Article 5 Federal — licence to conduct banking operations for nonbank credit Law ‘On Banks and Banking Activities’ (nonbanking credit institutions, which are central counterparties. 222 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology The following types of banking licences may be issued to an Representative offices of foreign credit institutions — auto­ operating bank for expansion of its activities: nomous structural units of foreign credit institutions located — universal licence to conduct banking operations in rubles separately from these foreign credit institutions, acting on their and foreign currency (without the right to accept individual behalf, and protecting their interests. A representative office of a deposits) and accept and invest precious metals; foreign credit institution is entitled to operate in the Russian Fe­ — universal licence to conduct banking operations in rubles and deration from the date of its accreditation by the Bank of Russia. foreign currency (with the right to accept individual deposits) Additional offices, mobile offices of credit institutions and accept and invest precious metals; having the right to conduct banking operations — internal — universal licence to conduct banking operations in rubles divisions of credit institutions (their branches), particularities of and foreign currency and accept and invest precious met- their establishment (liquidation) and activities are stipulated by als (without the right to accept individual deposits and the normative acts of the Bank of Russia. implement collection of cash, bills, payment and settle- Credit institutions under liquidation — credit institutions ment documents and cash service of individuals and legal under liquidation pursuant to relevant decisions: entities); — decision of the credit institution’s stockholders (equity — basic licence to conduct banking operations in rubles and holders) or its body authorized to do so by the founding foreign currency (without the right to accept individual de- document taken in accordance with Clause 2 Article 61 of the posits) and accept and invest precious metals; Civil Code of the Russian Federation (voluntarily liquidation); — basic licence to conduct banking operations in rubles and — decision of an arbitration court on the liquidation of the foreign currency and accept and invest precious metals (with- credit institution and appointing a liquidator taken in accor- out the right to accept individual deposits and implement dance with Article 23.1 of the Federal Law ‘On Banks and collection of cash, bills, payment and settlement documents Banking Activities’ (compulsory liquidation); and cash service of individuals and legal entities); — decision of an arbitration court on recognizing bankruptcy — basic licence to conduct banking operations in rubles and of the credit institution and appointing an interim trustee foreign currency (with the right to accept individual deposits) taken in accordance with the Federal Law ‘On Insolvency and accept and invest precious metals. (Bankruptcy)’. Bank with a universal licence — bank entitled to perform banking operations specified in Part 1 of Article 5 of the Federal Table 4.1.2 Law ‘On Banks and Banking Activities’. Bank with a basic licence — bank entitled to perform banking Data on Provisional Administrations operations specified in Part 1 of Article 5 of the Federal Law Assigned to Credit Institutions ‘On Banks and Banking Activities’ subject to the restrictions Whose Banking Licences Have Been Revoked established by Article 5.1 of the Federal Law ‘On Banks and General Provisions Banking Activities’. The authorized capital of a credit institution is based on The table contains data on provisional administrations ope­ funds contributed by owners (shares and other equity) and de- rating at credit institutions whose licences have been revoked. termines the minimum amount of assets serving as a guarantee Provisional administrations were assigned to credit institu- to creditors. tions in compliance with Clause 2 of Article 189.26 of Federal Law As of the date of application for the state registration and No. 127‑FZ, dated 26 October 2002, ‘On Insolvency (Bankruptcy)’. a licence to conduct banking operations the minimum amount of the share capital for newly created credit institution com- Table 4.1.3 plies with Article 11 of the Federal Law ‘On Banks and Banking Activities’. Number of Credit Institutions Registered authorized capital of credit institutions — aggre- with Nonresidents Equity gate value of credit institutions’ authorized capitals as registered General Provisions in the State Register of Credit Institutions. Branches of credit institutions having the right to conduct The table contains information on the quantitative break- banking operations — structural units of credit institutions down of operating credit institutions with nonresidents equity located separately from headquarters, which perform on their by type of banking licences. behalf a full range or selected banking transactions specified by Individual Indicators Highlights the Bank of Russia licence. The line ‘PJSC Sberbank branches’ shows branches of PJSC Residents/Nonresidents — the notions ‘residents’ and ‘non- Sberbank that were entered into the State Register of Credit residents’ used for calculating the indicators of this table are Institutions and had their reference numbers assigned. Before defined in accordance with the Federal Law No. 173‑FZ, dated 1 January 1998, the line provided the total number of PJSC 10 December 2003, ‘On Foreign Exchange Regulation and Fo­ Sberbank branches as part of monthly information on credit reign Exchange Control’. institutions. Credit institution with nonresidents equity is a resident Foreign bank branches — autonomous structural units of credit institution whose authorized capital is formed with the banks located separately from the headquarters and operating nonresidents’ participation regardless of their share in it. on their behalf in the Russian Federation. A foreign bank can operate through its branch in the Russian Federation if there is Table 4.1.4 an agreement between the Bank of Russia and the authorized supervisory body of the relevant foreign state, where the said Credit Institutions Grouped by the Share foreign bank is located, on information exchange in an interna- of Nonresidents Equity tionally accepted form. A foreign bank branch is not authorized General Provisions to open internal structural units and engage bank payment agents (subagents). The table shows the breakdown of operating credit institu- Representative offices of operating credit institutions — tions grouped by the share of nonresidents equity. autonomous structural units of credit institutions having a Individual Indicators Highlights different location, acting on their behalf and protecting their interests. Representative offices are not entitled to conduct See the commentary to the table ‘Number of Credit Insti- banking operations. tutions with Nonresidents Equity’. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 223 Table 4.1.5 dance with Bank of Russia Regulation No. 798‑P, dated 29 June Number of Non-Credit Financial Institutions, 2022, ‘On the Procedure for the Bank of Russia to License the Self‑Regulatory Organizations, Other Financial Market Types of Professional Activity in the Securities Market Specified Participants and Persons Providing Professional in Articles 3—5, 7 and 8 of Federal Law No. 39‑FZ, dated 22 April Services in the Financial Market 1996, ‘On the Securities Market’ and on the Procedure for the Bank of Russia to Maintain the Register of Professional Securities General Provisions Market Participants, on the Procedure for the Bank of Russia to The table presents information on month-on-month changes Make a Decision on Entering (Refusing to Enter) Information on a as of the specified date in the number of operating insurance Person in the Unified Register of Investment Advisers, and on the agents, professional securities market participants, infrastruc- Procedure for the Bank of Russia to Maintain the Said Register, tures, national payment system entities, collective investment as well as on the Procedure for the Bank of Russia to License market participants, microfinance market participants and coop- Investment Funds, License Management Companies to Manage eratives, persons providing professional services in the financial Investment Funds, Unit Investment Funds and Non-governmental market, management companies of special purpose vehicles ad- Pension Funds, License Specialized Depositories of Investment mitted according to the procedure stipulated by Russian laws to Funds, Unit Investment Funds and Non-governmental Pension carry out activities in the financial market, as well as information Funds, and the Procedure for the Bank of Russia to Maintain the on the number of self-regulatory organizations in the financial Registers of Such Licences’. market and the self-regulatory organizations of actuaries. Infrastructures: Individual Indicators Highlights Clearing houses perform their activities pursuant to Federal Law No. 7‑FZ, dated 7 February 2011, ‘On Clearing, Clearing The Bank of Russia issues licences to insurance agents, pro- Activities and the Central Counterparty’, Bank of Russia Regu- fessional securities market participants (other than investment lation No. 805‑P, dated 22 September 2022, ‘On the Procedure advisers), trade organizers (a stock exchange, trading system), for the Bank of Russia to License Exchanges, Trading Systems clearing houses, repositories, non-governmental pension funds, and Clearing Houses, to Maintain the Register of Exchange and joint-stock investment funds, management companies, and Trading System Licences, the Register of Clearing Licences and specialized depositories. the Procedure to Provide Extracts from the Said Registers’ and Insurance agents (insurers, mutual insurance companies, under a respective licence. insurance brokers, foreign insurance companies) perform their Trade organizers (a stock exchange, trading system) per- activities pursuant to Federal Law No. 4015‑1, dated 27 No- form their activities pursuant to Federal Law No. 325‑FZ, dated vember 1992, ‘On the Organization of Insurance Business in the 21 November 2011, ‘On Organized Trades’, Bank of Russia Regu- Russian Federation’ under a respective licence. Information on lation No. 805‑P, dated 22 September 2022, ‘On the Procedure an insurance agent is subject to being entered into the Unified for the Bank of Russia to License Exchanges, Trading Systems State Register of Insurance Agents pursuant to Bank of Russia and Clearing Houses, to Maintain the Register of Exchange and Ordinance No. 5885‑U, dated 16 August 2021, ‘On Maintaining Trading System Licences, the Register of Clearing Licences and the Unified State Register of Insurance Agents by the Bank of the Procedure to Provide Extracts from the Said Registers’ and Russia’. under a respective licence. Professional securities market participants: Commodity pool operators perform their activities pursuant Brokers, dealers, forex-dealers, depositories, trustees and to Federal Law No. 7‑FZ, dated 7 February 2011, ‘On Clearing, registrars perform their activities in accordance with Federal Law Clearing Activities and the Central Counterparty’, Bank of Russia No. 39‑FZ, dated 22 April 1996, ‘On the Securities Market’, Bank Instruction No. 194‑I, dated 17 December 2018, ‘On the Procedure of Russia Regulation No. 481‑P, dated 27 July 2015, ‘On Licens- and Conditions for the Bank of Russia to Accredit Organizations ing Requirements for, and Conditions of, Professional Activity in Functioning as a Commodity Pool Operator, and Grounds and the Securities Market, Restrictions on Holding Together Certain Procedure for Terminating the Said Accreditation’ and under a Types of Professional Activity in the Securities Market, and on the respective accreditation. Procedure and Timeframe for Submitting to the Bank of Russia Repositories perform their activities pursuant to Federal Reports on Terminating Obligations Related to Professional Activ- Law No. 39‑FZ, dated 22 April 1996, ‘On the Securities Mar- ity in the Securities Market in Case of Cancellation of a Securities ket’, Bank of Russia Instruction No. 173‑I, dated 8 June 2016, Market Professional Participant Licence’, other Bank of Russia ‘On the Procedure for, and Conditions of, Licensing Repository regulations and under a respective licence. Information on a pro- Activities and on the Procedure for a Repository to Notify the fessional securities market participant is subject to being entered Bank of Russia of the Appointment or Dismissal of the Head of into the register of professional securities market participants a Structural Unit Set up to Conduct Repository Activities’ and pursuant to Bank of Russia Regulation No. 798‑P, dated 29 June under a respective licence. 2022, ‘On the Procedure for the Bank of Russia to License the The central depository performs its activities pursuant to Types of Professional Activity in the Securities Market Specified Federal Law No. 414‑FZ, dated 7 December 2011, ‘On the Cen- in Articles 3—5, 7 and 8 of Federal Law No. 39‑FZ, dated 22 April tral Depository’, Bank of Russia Ordinance No. 5606‑U, dated 1996, ‘On the Securities Market’ and on the Procedure for the 29 October 2020, ‘On the Procedure for the Bank of Russia to Bank of Russia to Maintain the Register of Professional Securities Assign the Central Depository Status’ and under the respective Market Participants, on the Procedure for the Bank of Russia to assigned status of the central counterparty. Make a Decision on Entering (Refusing to Enter) Information on a Central counterparties perform their activities pursuant Person in the Unified Register of Investment Advisers, and on the to Federal Law No. 7‑FZ, dated 7 February 2011, ‘On Clearing, Procedure for the Bank of Russia to Maintain the Said Register, Clearing Activities and the Central Counterparty’, Bank of Russia as well as on the Procedure for the Bank of Russia to License Instruction No. 174‑I, dated 29 September 2016, ‘On the Proce- Investment Funds, License Management Companies to Manage dure for the Bank of Russia to Assign the Central Counterparty Investment Funds, Unit Investment Funds and Non-governmental Status’ and under the respective assigned status of the central Pension Funds, License Specialized Depositories of Investment counterparty. Funds, Unit Investment Funds and Non-governmental Pension News agencies perform their activities pursuant to Federal Funds, and the Procedure for the Bank of Russia to Maintain the Law No. 39‑FZ, dated 22 April 1996, ‘On the Securities Market’, Registers of Such Licences’. Bank of Russia Regulation No. 435‑P, dated 13 October 2014, Investment advisers perform their activities pursuant to Fed- ‘On the Accreditation of News Agencies Disclosing Information eral Law No. 39‑FZ, dated 22 April 1996, ‘On the Securities Mar- on Securities and Other Financial Instruments’ and under a ket’, Bank of Russia Ordinance No. 4956‑U, dated 2 November respective accreditation. 2018, ‘On the Requirements for Investment Advisers’, other Bank Investment platform operators perform their activities of Russia regulations and under a respective entry on including pursuant to Federal Law No. 259‑FZ, dated 2 August 2019, investment advisers in the unified register of investment advisers ‘On Investment Raising Using Investment Platforms and on that are subject to being entered into the said register in accor- Amending Certain Laws of the Russian Federation’, Bank of 224 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Russia Ordinance No. 5342‑U, dated 4 December 2019, ‘On the Payment System Operators and under a respective entry on the Procedure for Maintaining the Register of Investment Platform inclusion in the register of foreign payment system operators. Operators’ and under a respective entry on the inclusion in the Payment acceptance operators perform their activities register of investment platform operators. pursuant to Federal Law No. 103‑FZ, dated 3 June 2009, ‘On Ac- Financial platform operators perform their activities pursu- cepting Payments of Individuals by Payment Agents’, Bank ant to Federal Law No. 211‑FZ, dated 20 July 2020, ‘On Perform- of Russia Ordinance No. 6864‑U, dated 26 September 2024, ing Financial Transactions Using a Financial Platform’, Bank of ‘On Maintaining by the Bank of Russia of the Register of Payment Russia Regulation No. 742‑P, dated 3 December 2020, ‘On Infor- Acceptance Operators and on Assessment by the Bank of Russia mation Protection Requirements to Be Observed by a Legal Entity of the Compliance of the Persons Listed in Part 1 of Article 3.2 Applying for the Status of a Financial Platform Operator, on the of Federal Law No. 103‑FZ, dated 3 June 2009, ‘On Accepting Maintenance of the Register of Financial Platform Operators by Payments of Individuals by Payment Agents’ with the Qualifica- the Bank of Russia, and on Requirements for the Registration of tion and Business Reputation Requirements and of the Persons Amendments to Financial Platform Rules by the Bank of Russia’ Listed in Part 3 of Article 3.3 of Federal Law No. 103‑FZ, dated and under a respective entry on their inclusion in the register of 3 June 2009, ‘On Accepting Payments of Individuals by Payment financial platform operators. Agents’ with the Requirements Stipulated by Part 1 of Article 3.3 Operators of information systems issuing digital finan- of the Said Federal Law or the Requirement Stipulated by Part 1.1 cial assets perform their activities pursuant to Federal Law of Article 3.3 of the Said Federal Law’. No. 259‑FZ, dated 31 July 2020, ‘On Digital Financial Assets, Collective investment market participants: Digital Currency and on Amending Certain Laws of the Rus- Non-governmental pension funds perform their activi- sian Federation’, Bank of Russia Regulation No. 746‑P, dated ties pursuant to Federal Law No. 75‑FZ, dated 7 May 1998, 16 December 2020, ‘On Maintaining by the Bank of Russia ‘On Non-Governmental Pension Funds’ and under a respective of the Register of Operators of Information Systems, Which licence. Issue Digital Financial Assets, the Register of Digital Financial Joint-stock investment funds perform their activities pur- Asset Exchange Operators; on the Procedure and Timeframe suant to Federal Law No. 156‑FZ, dated 29 November 2001, for Ope­rators of Information Systems, Which Issue Digital ‘On Investment Funds’ and under a respective licence. Informa- Financial Assets, and Digital Financial Asset Exchange Opera- tion is subject to being entered into a respective licence register tors to Submit to the Bank of Russia Information on Persons pursuant to Bank of Russia Regulation No. 798‑P, dated 29 June Managing Shares (Stakes) of the Specified Operators, and also 2022, ‘On the Procedure for the Bank of Russia to License the on the Procedure for Submitting to and Coordinating with the Types of Professional Activity in the Securities Market Specified Bank of Russia Amendments to the Rules of Information Sys- in Articles 3—5, 7 and 8 of Federal Law No. 39‑FZ, dated 22 April tems, Which Issue Digital Financial Assets, and Amendments 1996, ‘On the Securities Market’ and on the Procedure for the to the Rules of Digital Financial Asset Exchange’ and under a Bank of Russia to Maintain the Register of Professional Securities respective entry on the inclusion in the register of information Market Participants, on the Procedure for the Bank of Russia to platform operators. Make a Decision on Entering (Refusing to Enter) Information on a Digital Financial Asset Exchange Operators perform their Person in the Unified Register of Investment Advisers, and on the activities pursuant to Federal Law No. 259‑FZ, dated 31 July Procedure for the Bank of Russia to Maintain the Said Register, 2020, ‘On Digital Financial Assets, Digital Currency, and on as well as on the Procedure for the Bank of Russia to License Amending Certain Laws of the Russian Federation’, Bank of Investment Funds, License Management Companies to Manage Russia Regulation No. 746‑P, dated 16 December 2020, ‘On Main- Investment Funds, Unit Investment Funds and Non-governmental taining by the Bank of Russia of the Register of Operators of Pension Funds, License Specialized Depositories of Investment Information Systems, Which Issue Digital Financial Assets, the Funds, Unit Investment Funds and Non-governmental Pension Register of Digital Financial Asset Exchange Operators; on the Funds, and the Procedure for the Bank of Russia to Maintain the Procedure and Timeframe for Operators of Information Systems, Registers of Such Licences’. Which Issue Digital Financial Assets, and Digital Financial Asset Management companies and specialized depositories Exchange Operators to Submit to the Bank of Russia Information perform their activities pursuant to Federal Law No. 156‑FZ, on Persons Managing Shares (Stakes) of the Specified Operators, dated 29 November 2001, ‘On Investment Funds’, Federal Law and also on the Procedure for Submitting to and Coordinating No. 75‑FZ, dated 7 May 1998, ‘On Non-governmental Pension with the Bank of Russia Amendments to the Rules of Information Funds’, Federal Law No. 111‑FZ, dated 24 July 2002, ‘On Investing Systems, Which Issue Digital Financial Assets, and Amendments Funds to Finance the Funded Pension in the Russian Federation’, to the Rules of Digital Financial Asset Exchange’ and under a re- Federal Law No. 152‑FZ, dated 11 November 2003, ‘On Mortgage spective entry on their inclusion in the register of digital financial Securities’ and under a respective licence. Information is subject asset exchange operators. to being entered into a respective licence register pursuant to National Payment System Entities: Bank of Russia Regulation No. 798‑P, dated 29 June 2022, Payment system operators perform their activities pursuant ‘On the Procedure for the Bank of Russia to License the Types to Federal Law No. 161‑FZ, dated 27 June 2011, ‘On the National of Professional Activity in the Securities Market Specified in Payment System’, Bank of Russia Ordinance No. 5379‑U, dated Articles 3—5, 7 and 8 of Federal Law No. 39‑FZ, dated 22 April 26 December 2019, ‘On Registration by the Bank of Russia of 1996, ‘On the Securities Market’ and on the Procedure for the Organizations as Payment System Operators, on the Inclusion Bank of Russia to Maintain the Register of Professional Securities of Foreign Organizations which are Foreign Payment System Market Participants, on the Procedure for the Bank of Russia to Operators in the Register of Foreign Payment System Operators, Make a Decision on Entering (Refusing to Enter) Information on a and on the Procedure for Maintaining the Register of Payment Person in the Unified Register of Investment Advisers, and on the System Operators and the Register of Foreign Payment System Procedure for the Bank of Russia to Maintain the Said Register, Operators and under a respective registration. as well as on the Procedure for the Bank of Russia to License Nationally important payment system operators perform Investment Funds, License Management Companies to Manage their activities in accordance with Federal Law No. 161‑FZ, dated Investment Funds, Unit Investment Funds and Non-governmental 27 June 2011, ‘On the National Payment System’. Pension Funds, License Specialized Depositories of Investment Foreign payment system operators perform their activi- Funds, Unit Investment Funds and Non-governmental Pension ties pursuant to Federal Law No. 161‑FZ, dated 27 June 2011, Funds, and the Procedure for the Bank of Russia to Maintain the ‘On the National Payment System’, Bank of Russia Ordinance Registers of Such Licences’. No. 5379‑U, dated 26 December 2019, ‘On Registration by the Microfinance agents and cooperatives. The Bank of Russia Bank of Russia of Organizations as Payment System Operators, maintains: on the Inclusion of Foreign Organizations which are Foreign The State Register of Microfinance Organizations pursuant Payment System Operators in the Register of Foreign Payment to Federal Law No. 151‑FZ, dated 2 July 2010, ‘On Microfinance System Operators, and on the Procedure for Maintaining the Re­ Activities and Microfinance Organizations’ and Bank of Russia gister of Payment System Operators and the Register of Foreign Ordinance No. 5627‑U, dated 19 November 2020, ‘On Main- 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 225 taining the State Register of Microfinance Organizations by the Persons providing professional services in the financial Bank of Russia’. market: The Register of Housing Savings Cooperatives pursuant to Audit organizations providing auditing services to socially Federal Law No. 215‑FZ, dated 30 December 2004, ‘On Housing important organizations in the financial market perform their Savings Cooperatives’ and Bank of Russia Ordinance No. 3587‑U, activities pursuant to Federal Law No. 307‑FZ, dated 30 Decem- dated 11 March 2015, ‘On the Procedure for the Bank of Russia ber 2008, ‘On Audit Activities’ and Bank of Russia Ordinance to Maintain the Register of Housing Savings Cooperatives’. No. 6021‑U, dated 20 December 2021, ‘On Maintaining by the The State Register of Consumer Credit Cooperatives pur- Bank of Russia of the Register of Audit Organizations Providing suant to Federal Law No. 190‑FZ, dated 18 July 2009, ‘On Credit Auditing Services to Socially Important Organizations in the Cooperation’ and Bank of Russia Ordinance No. 6934‑U, dated Financial Market’. 7 November 2024, ‘On Maintaining the State Register of Con- Credit history bureaus perform their activities pursuant to sumer Credit Cooperatives by the Bank of Russia and the Bank Federal Law No. 218‑FZ, dated 30 December 2004, ‘On Credit of Russia’s Procedure for Assessing Compliance of the Persons Histories’, Bank of Russia Regulation No. 748‑P, dated 25 De- Listed in Part 1 of Article 15.1 of Federal Law No. 190‑FZ, dated cember 2020, ‘On Requirements for Financial Standing and Busi- 18 July 2009, ‘On Credit Cooperation’ with the Qualification and/ ness Reputation of Shareholders (Participants) in Credit History or Business Reputation Requirements’. Bureaus and Persons Controlling or Exerting Material Influence The State Register of Agricultural Consumer Credit Coope­ on Shareholders (Participants) in Credit History Bureaus, and on ratives pursuant to Federal Law No. 193‑FZ, dated 8 December the Maintenance by the Bank of Russia of the State Register of 1995, ‘On Agricultural Cooperation’ and Bank of Russia Ordinance Credit History Bureaus’ and under a respective entry on their No. 6933‑U, dated 7 November 2024, ‘On the Procedure for the inclusion in the register of credit history bureaus. Bank of Russia to Maintain the Register of Agricultural Consumer Authorized actuaries perform their activities pursuant to Credit Cooperatives’. Federal Law No. 293‑FZ, dated 2 November 2013, ‘On Actuarial The State Register of Pawnshops pursuant to Federal Activities in the Russian Federation’, Bank of Russia Ordinance Law No. 196‑FZ, dated 19 July 2007, ‘On Pawnshops’ and Bank No. 6002‑U, dated 1 December 2021, ‘On the Procedure for the of Russia Ordinance No. 5626‑U, dated 19 November 2020, Bank of Russia to Maintain the Unified Register of Authorized ‘On Maintaining the State Register of Pawnshops by the Bank Actuaries, and on the Procedure for Authorized Actuaries to of Russia’. Confirm their Compliance with the Requirements for Authorized Self-regulatory organizations. The Bank of Russia maintains: Actuaries Set Forth by Federal Law No. 293‑FZ, dated 2 Novem- The Unified Register of Self-Regulatory Organizations in ber 2013, ‘On Actuarial Activities in the Russian Federation’, and the Financial Market. under a respective entry on their inclusion in the unified register A self-regulatory organization in the financial market shall be a of authorized actuaries. non-profit organization comprising financial organizations engaged Credit rating agencies, branches and representative of- in the following activities: brokers, dealers, managers, depositories, fices of foreign credit rating agencies perform their activities registrars, joint-stock investment funds and management companies pursuant to Federal Law No. 222‑FZ, dated 13 July 2015, ‘On the of investment funds, unit investment funds and non-governmental Activities of Credit Rating Agencies in the Russian Federation, on pension funds, specialized depositories, non-governmental pension Amending Article 76.1 of the Federal Law ‘On the Central Bank funds, insurance companies and foreign insurance companies, insur- of the Russian Federation (Bank of Russia)’ and Invalidating ance brokers, mutual insurance companies, microfinance organiza- Certain Provisions of Russian Laws’, Bank of Russia Regulation tions, consumer credit cooperatives, housing savings cooperatives, No. 692‑P, dated 12 September 2019, ‘On the Requirements for agricultural consumer credit cooperatives, forex dealers, investment the Submission to the Bank of Russia of an Application to Enter advisers, and payment acceptance operators. Information About a Company into the Register of Credit Rating A non-profit organization acquires the status of a self- Agencies, a List of Documents Attached to the Application, the regu­latory organization in the financial market from the date Procedure for the Bank of Russia to Enter a Branch and a Rep- of its inclusion by the Bank of Russia in the unified register of resentative Office of a Foreign Credit Rating Agency Operating in self-regulatory organizations in the financial market based on its Accordance with its Personal Law into the Register of Branches application pursuant to Federal Law No. 223‑FZ, dated 13 July and Representative Offices of Foreign Credit Rating Agencies, 2015, ‘On Self-Regulatory Organizations in the Financial Market’ the Procedure for the Bank of Russia to Maintain the Register and ceases to be a self-regulatory organization from the date of Credit Rating Agencies and Information Included Therein, the of its exclusion from the said register. Procedure for the Bank of Russia to Maintain the Register of The Bank of Russia maintains the Unified Register of Self-reg- Branches and Representative Offices of Foreign Credit Rating ulatory Organizations in the Financial Market pursuant to Bank Agencies and Information Included Therein, the Requirements for of Russia Ordinance No. 5561‑U, dated 24 September 2020, the Procedure and Form of Submission by Credit Rating Agen- ‘On Maintaining the Unified Register of Self-regulatory Organi- cies to the Bank of Russia of Notifications About Appointment zations in the Financial Market by the Bank of Russia’. (Election) to a Position or Dismissal from Office (Termination of The State Register of Self-regulatory Organizations of Authority) of Officials (Management Bodies) of a Credit Rating Actuaries. Agency, as well as the Procedure for Stakeholders to Access A self-regulatory organization of actuaries shall be a non-prof- Information in the Register of Credit Rating Agencies’, and un- it organization complying with the requirements established by der a respective entry on their inclusion in the register of credit Federal Law No. 315‑FZ, dated 1 December 2007, ‘On Self-regu- rating agencies / register of branches and representative offices latory Organizations’, and Federal Law No. 293‑FZ, dated 2 No- of foreign credit rating agencies. vember 2013, ‘On Actuarial Activities in the Russian Federation’. Administrators of indices operate in accordance with Federal The purpose of its activities is to advance and regulate actuarial Law No. 452‑FZ, dated 13 December 2024, ‘On Administrators activities. Information about it is subject to being entered into of Financial and Commodity Indices’, Bank of Russia Ordinance the Unified State Register of Self-regulatory Organizations of No. 7101‑U, dated 25 June 2025, ‘On the Bank of Russia’s Deci- Actuaries. It unites actuaries on a membership basis. sions to Enter (Refuse to Enter) Information About a Legal Entity A non-profit organization acquires the status of a self-regu- Intending to Become an Administrator of Indices into the Register latory organization of actuaries from the date of its inclusion in of Administrators of Indices; on the Methodology for Defining and the State Register of Self-regulatory Organizations of Actuaries Providing a Financial (Commodity) Index; and on Changes to the and ceases to be a self-regulatory organization from the date of Methodology for Defining and Providing a Financial (Commodity) its exclusion from the said register. Index’, Bank of Russia Ordinance No. 7102‑U, dated 25 June The State Register of Self-regulatory Organizations of Ac- 2025, ‘On Maintaining by the Bank of Russia of the Register of tuaries is maintained by the Bank of Russia pursuant to the Administrators of Indices’, and based on the corresponding entry Bank of Russia Ordinance No. 3424‑U, dated 27 October 2014, in the register of administrators of indices. ‘On Maintaining the State Register of Self-regulatory Organiza- Management companies of special-purpose vehicles per- tions of Actuaries’. form their activities pursuant to Federal Law No. FZ‑39, dated 226 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology 22 April 1996, ‘On the Securities Market’, Bank of Russia Or- Corporate loans (to non-financial and financial (other than dinance No. 6176‑U, dated 29 June 2022, ‘On the Procedure credit) institutions) — outstanding amounts (overdue debt in- for the Bank of Russia to Include Companies in the Register cluded) of non-financial and financial (other than credit) institu- of Management Companies of Special-purpose Vehicles and to tions and individual entrepreneurs, both residents and non-res- Exclude Them from the Said Register’, and under a respective idents, to credit institutions on loans and other placements in entry on their inclusion in the register of management companies rubles and foreign currency. This indicator does not include of special-purpose vehicles. outstanding amounts on loans and other funds placed by the Participants in the partnership financing experiment per- Ministry of Finance, regional and local financial authorities and form their activities pursuant to Federal Law No. 417‑FZ, dated federal, regional and local government extra-budgetary funds. 4 August 2023, ‘On Conducting an Experiment for Establishing Loans to individuals — outstanding amounts (overdue debt a Special Regulation in Order to Create Necessary Conditions included) of resident and non-resident individuals (excluding in- for Providing Partnership Financing in Individual Constituent dividual entrepreneurs) to credit institutions on all kinds of loans Territories of the Russian Federation and on Amending Certain and other funds in rubles and foreign currency. Laws of the Russian Federation’ and Bank of Russia Ordinance The data source for the above indicators is Reporting Form No. 6503‑U, dated 11 August 2023, ‘On Maintaining by the Bank 0409101 ‘The Trial Balance of a Credit Institution’. of Russia of the Register of Participants in Experiment to Set up Equity capital — credit institutions’ unencumbered property. Special Regulation to Create Special Conditions for Partnership This indicator has been calculated in compliance with Bank of Financing’. Russia Regulation No. 646‑P, dated 4 July 2018, ‘On the Metho­ dology for Measuring Credit Institution Capital (Basel III)’. The sources of data are reports filed by Russian operating credit Table 4.1.6 institutions under Form 0409123 ‘Own Funds (Capital) Calcu- Data on Provisional Administrations lation (Basel III)’. Assigned to Non-Bank Financial Institutions Capital adequacy N1.0 is the capital adequacy ratio of Whose Licences Have Been Revoked (Cancelled) banks calculated as a ratio of banks’ own funds (capital) General Provisions to their risk-weighted assets according to Bank of Russia Instruction No. 199‑I, dated 29 November 2019, ‘On Banks’ The table contains data on provisional administrations ope­ Required Ratios and Capital Adequacy Buffers for Banks with rating at non-bank financial institutions whose licences have a Universal Licence’ and Bank of Russia Instruction No. 183‑I, been revoked. dated 6 December 2017, ‘On the Required Ratios of Banks Provisional administrations were assigned to insurance with a Basic Licence’. companies in compliance with sub-clause 1 of Clause 6.1 of The data source is reports filed by Russian operating credit Article 184.1 of Federal Law No. 127‑FZ, dated 26 October 2002, institutions under Form 0409135 ‘Information on Credit Institu- ‘On Insolvency (Bankruptcy)’. tions’ Required Ratios and Other Performance Indicators’. Provisional administrations were assigned to non-govern- Loss provisions — provisions created by credit institutions for mental pension funds in compliance with Clause 3.1 of Article 7.2 possible losses on loans, loan and similar debt, which comprise of Federal Law No. 75‑FZ, dated 7 May 1998, ‘On Non-Govern- monetary claims and claims arising from transaction with financial mental Pension Funds’. instruments listed in Appendix No. 1 to Bank of Russia Regulation Provisional administrations were assigned to management No. 590‑P, dated 28 June 2017, ‘On the Procedure for Making companies in compliance with sub-clause 3 of Clause 1 of Ar- Loss Provisions by Credit Institutions for Loans, Loan and Similar ticle 61.4 of Federal Law No. 156‑FZ, dated 29 November 2001, Debts’, provided to legal entities of any form of incorporation and ‘On Investment Funds’ (hereinafter, Federal Law No. 156‑FZ). to individuals, both residents and non-residents, as well as loss Provisional administrations were assigned to specialized de- provisions created on the basis of professional judgement on positories in compliance with Clause 1 of Article 61, sub-clause 1 the risk of operations with balance sheet assets that can entail of Clause 1, Clause 2 of Article 61.4 of Federal Law No. 156‑FZ. risk of losses (excluding loans, loan and similar debt), contingent credit liabilities posted to off-balance sheet accounts; interest income claims under credit claims; financial derivatives; other Table 4.1.7 losses, pursuant to Bank of Russia Regulation No. 611‑P, dated Selected Performance Indicators of Credit Institutions 23 October 2017, ‘On the Procedure for Credit Institutions to (Credit Institutions Ranked by Size of Assets) Make Loss Provisions’. General Provisions Loss provisions are presented both adjusted and unadjusted. Current year net profit (after taxation) — financial results of The table includes major performance indicators for tiers of operating credit institutions (after taxation) for the period since credit institutions, which are first ranked by their assets and then the start of the current year. Financial results of the past year grouped into tiers depending on their rank. Tier performance are not taken into account. indicators show typical investment and borrowing patterns for The data source is reports filed by Russian operating credit different tiers of credit institutions. institutions under Form 0409101 ‘The Trial Balance of a Credit The data source is reports of operating credit institutions sub- Institution’. mitted in compliance with Bank of Russia Ordinance No. 4927‑U, Return on assets — this indicator is calculated as the ratio of dated 8 October 2018, ‘On the List, Forms and Procedure for the financial result (after taxation) received by operating credit Compiling and Submitting Credit Institutions’ Reporting Forms institutions for the 12 months preceding the reporting date to to the Central Bank of the Russian Federation’. the average chronological size of credit institutions’ assets for Starting from data as of 1 February 2019, the calculation of the same period. assets (liabilities) includes accounts which reflect the adjustment Return on balance sheet capital — this indicator is calcu- and revaluation of debit (credit) indicators and which have been lated as the ratio of the financial result (after taxation) received included in the Chart of Accounts for Credit Institutions (Bank by operating credit institutions for the 12 months preceding the of Russia Regulation No. 579-P, dated 27 February 2017) from reporting date to the average chronological size of credit insti- 1 January 2019. tutions’ balance sheet capital for the same period. Individual Indicators Highlights Individuals’ funds (deposits) — deposits and other funds accepted by credit institutions (including savings certificates), Net assets (net of loss provisions and profit tax) — oper- outstanding obligations under deposit and other borrowing ating credit institutions’ aggregate assets (balances in accounts arrangements, funds in individuals’ other accounts (residents’ showing credit institutions’ intrabank transactions were included and non-residents’ funds in both rubles and foreign currency). in assets on net basis). Beginning from 1 November 2020, this This indicator does not include the funds of individual entre- indicator is given net of loss provisions and profit tax — ‘Net preneurs, individuals’ election funds, transfers from and to the assets’. Russian Fede­ration, interest arrears, interest accrued on deposits 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 227 accounted for in separate accounts and balances of accounts, Subsection 4.2. Borrowings which cannot be classified unambiguously. The data source is reports filed by Russian operating credit Table 4.2.1 institutions under Form 0409101 ‘The Trial Balance of a Credit Ruble, Foreign Currency and Precious Metals- Institution’. Denominated Budget Funds in Accounts Corporate clients’ funds (deposits and funds in the ac- of Credit Institutions counts of non-financial and financial (other than credit) institutions are deposits and other funds accepted by credit General Provisions institutions, as well as funds held in settlement and other ac- This table contains data on the Russian Federation on the counts of non-financial and financial (other than credit) institu- accounts of federal, regional and local budget funds and extra- tions and individual entrepreneurs, including deposit certificates, budgetary funds. outstanding obligations under deposits and other borrowing The source of information is reports compiled by Russian arrangements, funds of individual entrepreneurs (residents’ and credit institutions (including nonbanking credit institutions and non-residents’ funds in Russian rubles and foreign currency). State Development Corporation VEB.RF) (further — credit insti- This indicator does not include the funds of the Federal Trea- tutions) in the form 0409302 ‘Information on Borrowings’ in sury, financial bodies and extra-budgetary funds of the Russian compliance with Bank of Russia Ordinance No. 4927‑U, dated Federation, constituent entities of the Russian Federation and 8 October 2018, ‘On the List, Forms and Procedure for Compiling local authorities, interest arrears, accrued interest accounted for and Presenting Credit Institutions Reporting Forms to the Central in separate accounts and balances of accounts, which cannot Bank of the Russian Federation’. be classified unambiguously. This information is available on the Bank of Russia’s website. The data source is reports filed by Russian operating credit Individual Indicators Highlights institutions under Form 0409101 ‘The Trial Balance of a Credit Institution’. Federal budget funds are treasury accounts balances of the Loans received from the Bank of Russia — debt (overdue federal budget funds, Ministry of Finance funds transferred to debt included) on loans, deposits and other funds received by finance capital investment and funds available for settlements credit institutions from the Bank of Russia. on separate operations. The data source is reports filed by Russian operating credit Regional and local budget funds are treasury accounts institutions under Form 0409101 ‘The Trial Balance of a Credit balances of the regional budgets and local budgets. Institution’. Other budget funds are total funds of election commissions, funds for temporary use by budget-financed institutions, Ministry of Finance funds for other settlements on foreign loans, customs Table 4.1.8 duties and foreign trade receipts. Financial Performance of Credit Institutions Extra-budgetary funds are total government and other General Provisions extra-budgetary funds on accounts with credit institutions: the Pension Fund, the Social Insurance Fund, the Federal and Terri- The table includes indicators characterizing the financial torial Obligatory Medical Insurance Funds, Social Support Fund performance of operating credit institutions for a period from and the regional and local governments’ extra-budgetary funds. the beginning of the current year, provides data on the number of operating credit institutions that have received profits (sus- Table 4.2.2 tained losses) for the current year, and also reflects the dynamics of the banking sector’s financial results. The financial results of Funds (Deposits) of Individuals credit institutions for previous years are not taken into account. Accepted by Credit Institutions Beginning on 1 November 2020, these indicators are calculated Table 4.2.3 based on net profit (profit after tax). Funds of Legal Entities The data are provided on operating credit institutions. The Accepted by Credit Institutions data are based on the financial statements of Russia’s operating General Provisions credit institutions submitted in accordance with Form 0409101 ‘The Trial Balance of a Credit Institution’ in accordance with These tables present data on one of the major transactions Bank of Russia Ordinance No. 4927‑U, dated 8 October 2018, in liabilities, namely, funds accepted by credit institutions in ‘On the List, Forms and Procedure for Compiling and Presenting rubles and foreign currency from legal entities and individuals Credit Institutions Reporting Forms to the Central Bank of the to deposits. Data are broken down by maturity, according to Russian Federation’. the maturities of deposits and other funds accepted by credit Individual Indicators Highlights institution specified in the agreement, including all addenda thereto. The tables show total account balances accepted by Total profit (+) / loss (–) is calculated by summing up the credit institutions to deposits. The data compilation methodo­ incomes received net of the expenses and profit tax of operating logy for the information in these tables differs from that used credit institutions over the period under review. Profit (loss) is for similar data in the ‘Credit Institutions Survey’ table, which is accumulated through the year. used for the analysis of money supply and its structure. The data Profit made by profit-making credit institutions is calcu- in tables 4.2.2 and 4.2.3 do not cover deposits of legal entities lated by summing up the incomes received net of the expenses and individuals with Vnesheconombank, which is not on the and profit tax of operating credit institutions that had profit in list of operating credit institutions, but include funds accepted the period under review. Profit is accumulated through the year. from non-residents. They also do not cover accrued interest. Share of profit-making credit institutions is the share of Differences in individual indicators can be found below. credit institutions that made profit or posted a zero result from The table ‘Funds of Legal Entities Accepted by Credit Insti- their activities in the period from the beginning of the year un- tutions’ contains data on deposits and other funds accepted, der review in the total number of operating credit institutions including individual entrepreneurs’ deposits. Funds raised from registered in the Russian Federation. credit institutions are presented including loans, deposits, and Loss of loss-making credit institutions is calculated by sum- other raised funds. Individual entrepreneurs’ deposits are also ming up the incomes received net of the expenses and profit tax shown separately (memo item). of operating credit institutions that incurred losses in the period The data source is reports filed by Russian operating credit under review. Loss is accumulated through the year. institutions under Form 0409101 ‘The Trial Balance of a Cre­ Share of loss-making credit institutions is the share of credit dit Institution’ in accordance with Bank of Russia Ordinance institutions that incurred net loss in the period from the beginning No. 4927‑U, dated 8 October 2018, ‘On the List, Forms and of the year under review in the total number of operating credit Procedure for Compiling and Presenting Credit Institutions’ Re- institutions registered in the Russian Federation. porting Forms to the Central Bank of the Russian Federation’. 228 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Individual Indicators Highlights This information is available on the Bank of Russia’s website. Currency deposits by maturity — cash and non-cash Individual Indicators Highlights funds in Russian or foreign currency placed by legal entities and individuals (both residents and non-residents) with credit Weighted average interest rates on deposits by individu- institutions under bank deposit agreements or bank account als / nonfinancial organizations are weighted average annual agreements (including savings / deposit certificates). The tables interest rates on deposits in the reporting month and are calcu- provide a breakdown of deposits by type of depositors (indi- lated by the formula: viduals and legal entities (corporate clients and government – ∑ PV authorities) and by maturity. These indicators do not include P = ———, where funds in legal entities’ settlement accounts and individual ∑V – entrepreneurs’ accounts, the funds of individuals’ election P — weighted average deposit interest rate; funds, transfers from and to the Russian Federation, interest V1. . .n — amount of deposit as included in an agreement; arrears, accrued interest on deposits accounted for in separate P1. . .n — nominal annual deposit interest rate as included in an accounts, and balances of accounts which cannot be classified agreement. unambiguously. The values of weighted average interest rates are not Demand deposits are funds that must be returned (paid out) calculated in case there are data on less than three credit at first notice (on demand deposit terms) and funds that must institutions. be returned (paid out) upon the onset of the condition (event) provided for in the agreement, whose specific date is unknown Table 4.2.6 (on the terms ‘upon the onset of the condition (event)’. Time deposits are deposits taken by a credit institution on Savings (Deposit) Certificates, Bonds the condition that they will be returned upon the expiry of the and Bills of Exchange Issued by Credit Institutions time period established by the agreement. Interest rates on General Provisions time deposits are set by credit institution deposit agreements. Deposits of individuals are deposits and other funds ac- The table contains data on ruble and foreign currency funds cepted by credit institutions from individuals (including savings raised by credit institutions by issuing debt securities (deposit and certificates), unfulfilled obligations under deposit-taking and savings certificates, bonds and bills). Nominal values of deposit other borrowing arrangements and funds in individuals’ other and savings certificates and bonds are provided with a breakdown accounts. This indicator does not include the funds of individual by maturity. If there is no information on the values of certificates entrepreneurs, individuals’ election funds and transfers from and and bonds with specific maturities, this means that no funds under to the Russian Federation. these securities with these maturities were raised over the periods Deposits and other funds raised from legal entities are reviewed in the table. This table does not include obligations to deposits and other funds raised (on demand or for a specified pay interest and coupon accrued on issued securities. term) from government authorities and extra-budgetary funds The data source is reports filed by Russian operating credit of all levels, as well as corporate clients (financial (other than institutions under Form 0409101 ‘The Trial Balance of a Cre­ credit) and non-financial institutions of any form of incorporation dit Institution’ in compliance with Bank of Russia Ordinance (including certificates of deposit), and individual entrepreneurs), No. 4927‑U, dated 8 October 2018, ‘On the List, Forms and as well as unfulfilled obligations under deposit and other bor- Procedure for Compiling and Presenting Credit Institutions’ Re- rowing arrangements. porting Forms to the Central Bank of the Russian Federation’. Deposits of individual entrepreneurs are deposits, includ- Individual Indicators Highlights ing unfulfilled obligations under these deposits, of individuals engaged in entrepreneurial activities without registering as a Savings / deposit certificate — a kind of time deposit (see legal entity. the commentary to the indicator ‘Time deposits’ in the tables Loans, deposits and other funds accepted from credit ‘Deposits of Individuals Accepted by Credit Institutions’ and institutions are deposits, loans and other funds raised from ‘Funds of Organizations Accepted by Credit Institutions’) and a non-resident credit institutions and banks. security that certifies the amount of a deposit made with a credit institution and the right of the depositor (certificate-holder) to receive, upon the expiry of the agreed term, the deposit and Table 4.2.4 interest indicated in the certificate of the credit institution that Weighted Average Interest Rates on Deposits of issued the certificate or any of its branches. Savings certificates Individuals and Nonfinancial Organizations in Rubles (certificates of deposit) are denominated in rubles. For more Table 4.2.5 detailed information about savings certificates and certificates Weighted Average Interest Rates on Deposits of deposit, see the Regulation ‘On Savings and Deposit Certifi- of Individuals and Nonfinancial Organizations cates Issued by Credit Institutions’, approved by Bank of Russia in US Dollars and Euros Ordinance No. 333‑U, dated 31 August 1998. In the tables ‘De- posits of Individuals Accepted by Credit Institutions’ and ‘Funds General Provisions of Legal Entities Accepted by Credit Institutions’, the savings The tables contain weighted average interest rates of de- certificates and certificates of deposit are included in individuals’ posits (excluding the State Development Corporation VEB.RF), and organizations’ deposits, respectively. and including non-bank credit institutions that are licensed to Bond is a financial security certifying the holder’s right perform loan and deposit operations (hereinafter, credit institu- for receiving, in due time, the nominal value of the bond or tions), which are borrowed by credit institutions from individuals some other tangible equivalent from the bond issuer. Bonds and nonfinancial organizations (excluding individual entrepreneurs also provide fixed interest payments or some other tangible since January 2016) in rubles, in US dollars and in euros. The data equivalent. are presented with a breakdown by maturity. Bill is a direct financial liability that is completed in a legally The source of information is the Reporting Form 0409129 prescribed form and issued by a promissor to a bill holder and ‘Weighted Average Interest Rates Funds offered by Credit Insti- gives the latter the unconditional right to make claims to the tutions, Savings Accounts of Individuals And Banking Accounts promissor in terms of the specific amount, time and place. of Legal Entities And Individual Entrepreneurs’ compiled by credit Banking bill of exchange is a bill that is mainly used for institutions in accordance with the Bank of Russia Ordinance raising funds by a credit institution. No. 6406‑U, dated April 10, 2023, ‘On the Forms, Deadlines, Pro- Acceptance is an agreement on the repayment of a bill of cedure for Compiling and Presenting Credit Institutions (Banking exchange that imposes the relevant obligation on the acceptor. Groups) Reporting Forms to the Central Bank of the Russian Bank acceptance is a bill secured by the credit institution’s Federation, as well as a List of Information on the Activities of unconditional obligation to pay a specific amount after a certain Credit Institutions (Banking Groups)’. period (as accepted by the credit institution). 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 229 Subsection 4.3. Lending Individual Indicators Highlights Outstanding amounts of loans and other funds granted to Table 4.3.1 corporate clients are outstanding amounts (including overdue Loans, Deposits, and Other Funds Provided to debt) of non-financial and financial (other than credit) institutions and individual entrepreneurs, both residents and non-residents, to Corporate Clients, Individuals and Credit Institutions credit institutions on all loans and other funds placed in Russian General Provisions rubles, foreign currency, and precious metals. The table shows data covering major investment activity Outstanding amounts of loans and other funds granted to of banks, that is, extending loans, deposits, and other funds to individuals are outstanding amounts (including overdue debt) of resident and non-resident clients. The data show lending account resident and non-resident individuals to credit institutions on balances as of the reporting date with a breakdown by currency all loans and other funds in Russian rubles and foreign currency. (rubles and foreign currency), borrower type (individuals, legal Loans and other funds granted to individual entrepreneurs are entities, and credit institutions) and loan maturity (as indicated not included in this indicator. in credit agreements). Overdue debt on loans and other funds are outstanding The data source is reports filed by Russian operating credit amounts on past due loans, deposits, and other placed funds institutions under Form 0409101 ‘The Trial Balance of a Cre­ granted to a relevant category of borrowers (non-financial orga- dit Institution’ in compliance with Bank of Russia Ordinance nizations or individuals) in Russian rubles and foreign currency. No. 4927‑U, dated 8 October 2018, ‘On the List, Forms and Amounts of overdue interest are not included in the calculation Procedure for Compiling and Presenting Credit Institutions’ Re- of overdue debt indicators. porting Forms to the Central Bank of the Russian Federation’. Individual Indicators Highlights Table 4.3.3 Weighted Average Interest Rates on Loans Loans and other funds provided into corporate clients to Individuals in Rubles (non-financial and financial (other than credit) institutions and Table 4.3.4 individual entrepreneurs) and individuals — amounts borrowed Weighted Average Interest Rates on Loans by clients from credit institutions on all of these categories of to Individuals in US Dollars funds, including overdue debt. In addition to amounts borrowed by individuals and corporate clients, the total includes loans Table 4.3.5 extended to foreign governments, as well as debt and arrears Weighted Average Interest Rates on Loans on operations with precious metals, other than operations with to Individuals in Euros credit institutions. Table 4.3.6 Loans and other funds provided to individuals are amounts Weighted Average Interest Rates on Loans borrowed from credit institutions by resident and non-resident to Nonfinancial Organizations in Rubles individuals (other than individual entrepreneurs), including over- Table 4.3.7 due debt. Weighted Average Interest Rates on Loans Loans and other funds provided to corporate clients, by to Nonfinancial Organizations in US Dollars maturity — amounts borrowed on all loans and other placements Table 4.3.8 by financial (other than credit) and non-financial institutions of Weighted Average Interest Rates on Loans any form of incorporation and individual entrepreneurs, both to Nonfinancial Organizations in Euros residents and non-residents, excluding overdue debt. (The struc- ture of financial (other than credit) institutions and non-financial General Provisions organizations corresponds to the concepts ‘other financial in- The tables contain weighted average interest rates on loans stitutions’ and ‘non-financial organizations’ in the notes to the granted by credit institutions in rubles, in US dollars and in euros table ‘Central Bank Survey’). Loans provided for up to 30 days granted to financial organizations (excluding the State Develop- include on-demand and overdraft loans (an overdraft loan is ment Corporation VEB.RF) and including non-bank credit insti- a loan extended to a borrower who has a shortage of funds tutions that are licensed to perform loan and deposit operations available in its current account). (hereinafter, credit institutions), nonfinancial organizations and Loans, deposits and other funds provided in rubles and individuals (excluding individual entrepreneurs) to residents of foreign currency to credit institutions are amounts borrowed, the Russian Federation as well as non-residents. deposits and other funds provided to other banks and credit The source of information for loans of individuals 1 is the institutions, including overdue debt. Reporting Form 0409128 ‘Weighted Average Interest Rates on Loans Granted by Credit Institutions’, for car loans2 — the Report- ing Form 0409316 ‘Information on Granted Funds to Individuals’, Table 4.3.2 for loans of nonfinancial organizations — the Reporting Form Outstanding Amounts of Loans and Other Funds 0409303 ‘Granted Funds to Legal Entities’ compiled by credit Granted to Corporate Clients and Individuals institutions in accordance with the Bank of Russia Ordinance by Credit Institutions No. 6406‑U, dated April 10, 2023, ‘On the Forms, Deadlines, Pro- General Provisions cedure for Compiling and Presenting Credit Institutions (Banking Groups) Reporting Forms to the Central Bank of the Russian The table includes indicators characterizing overdue debt on Federation, as well as a List of Information on the Activities of loans and other funds granted by credit institutions to corporate Credit Institutions (Banking Groups)’. clients and individuals, as well as total outstanding amounts on This information is available on the Bank of Russia’s website. these funds. Individual Indicators Highlights The data source is reports of Russian operating credit in- stitutions compiled under Form 0409101 ‘The Trial Balance of Weighted average interest rates on loans to individuals / a Credit Institution’ and submitted in compliance with Bank of nonfinancial organizations are weighted average annual rates on Russia Ordinance No. 4927‑U, dated 8 October 2018, ‘On the loans are calculated basing on annual rates from loan agreements List, Forms and Procedure for Compiling and Submitting Credit and volumes granted in the reporting month. In the calculation of Institutions’ Reporting Forms to the Central Bank of the Rus- weighted average interest rates on loans to nonfinancial organi- sian Federation’. zations are included volumes prolonged in the reporting month. 1 The source of information for loans granted to individuals and non-financial organizations was the Reporting Form (excluding national corporation the State Corporation ‘Bank for development and foreign economic affairs (Vnesheconombank)’ and non-bank credit institutions) 0409128 ‘Weighted Average Interest Rates on Loans Granted by Credit Institutions’ until 2019. Starting from January 2019 reporting date non-bank credit institutions started reporting by the Form 0409128. 2 The source of information for car loans granted to individuals was the Reporting Form 0409128 ‘Weighted Average Interest Rates on Loans Granted by Credit Institutions’ until 2025. 230 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Weighted average rates (car loans up to 01.01.2026) are Table 4.3.10 calculated by the formula: Housing Loans Granted to Resident Individuals Table 4.3.11 – ∑ PV P = ———, where Mortgage Loans Granted to Resident Individuals ∑V and Acquired Сlaims Thereon – P — weighted average loan interest rate; Table 4.3.12 P1. . .n — nominal annual interest rate as included in an agreement; Mortgage Loans Granted to Resident Individuals V1. . .n — amount of loan as included in an agreement. Against the Pledge of Claims Under Share The values of weighted average interest rates are not calcu- Construction Participation Agreements lated in case there are data on less than three credit institutions. Car loans include loans extended to purchase of vehicles General Provisions against the collateral of them. These tables show data on housing loans / mortgage loans / Since 01.02.2026 weighted average rates on car loans are mortgage loans against the pledge of claims under share con- calculated by the formula: struction participation agreements granted by credit institutions to resident individuals in rubles and foreign currency. – ∑ VPT P = ————, where The category of housing loans granted to individuals com- ∑ VT prises the following loans: – P — weighted average loan interest rate; — loans granted for the purchase and development of land for Р1. . .n is the weighted average interest rate on loans granted by housing construction; a credit institution No. 1…n; — loans granted to finance construction; V1. . .n is the value of loans granted by a credit institution No. 1…n; — loans granted to buy housing. T1. . .n is the weighted average maturity of loans granted by a The category of mortgage loans comprises housing loans credit institution No. 1…n. granted to resident individuals against the collateral of real estate Small and medium-sized businesses are as defined by Fed- according to the procedure established by the Federal Law on eral Law No. 209‑FZ, dated 24 July 2007, ‘On the Deve­lopment Mortgage (real estate mortgage). of Small and Medium-Sized Businesses in the Russian Federation’ The category of mortgage loans against the pledge of claims according to the data obtained from the register of small and under share construction participation agreements comprises medium-sized business managed by the Federal tax service. mortgage loans granted to resident individuals according to the procedure established by the Federal Law about participation in share construction of apartment houses and other real es- Table 4.3.9 tate objects and about modification of some legal acts of the Loans Extended to Small, Medium-Sized Businesses Russian Federation. General Provisions The source of information has been the reports compiled by credit institutions in form 0409316 ‘Information on Granted The table contains data on ruble and foreign currency funds Funds to Individuals’, established by Bank of Russia Ordinance granted by credit institutions to the small and medium-sized No. 4927‑U, dated 8 October 2018, ‘On the List, Forms and businesses including individual entrepreneurs. Procedure for Compiling and Presenting Credit Institutions Re- The source of information on credit to legal entities and porting Forms to the Central Bank of the Russian Federation’. entrepreneurs is report compiled by Russian credit institutions This information is available on the Bank of Russia’s website. (including the State Development Corporation VEB.RF and Individual Indicators Highlights non-bank credit institutions) (hereinafter, credit institutions), in form 0409303 ‘Information on Granted Funds To Legal Entities’ Volume of housing loans / mortgage loans / mortgage in compliance with the Bank of Russia Ordinance No. 4927‑U, loans against the pledge of claims under share construction dated 8 October 2018, ‘On the List, Forms and Procedure for participation agreements granted to resident individuals is Compiling and Presenting Credit Institutions Reporting Forms the amount of funds provided during the reporting period un- to the Central Bank of the Russian Federation’. der credit agreements (additional agreements). This indicator is This information is available on the Bank of Russia’s website. compiled for the reporting period (month). Individual Indicators Highlights Debt on housing loans / mortgage loans / mortgage loans against the pledge of claims under share construction partici- Small and medium-sized businesses are as defined by Fede­ pation agreements is the balance of the debt, including overdue ral Law No. 209‑FZ, dated 24 July 2007, ‘On the Development of debt, on loans as of the reporting date. Small and Medium-Sized Businesses in the Russian Federation’ Overdue debt on housing loans / mortgage loans / mort- according to the data obtained from the register of small and gage loans against the pledge of claims under share construc- medium-sized business managed by the Federal tax service. tion participation agreements is the balance of overdue debt Volume of extended loans is the value of loans granted on loans as of the reporting date. by credit institutions to small and medium-sized business on Weighted average maturity of loans characterizes average monthly basis. maturity of housing loans / mortgage loans / mortgage loans Outstanding amount of loans — balance of the debt, in- against the pledge of claims under share construction participa- cluding overdue debt, on loans extended to the small and me- tion agreements granted by credit institutions during the report- dium-sized businesses and individual entrepreneurs. ing period (month) and is calculated using the following formula: Overdue loans — balance of the overdue debt on loans ex- – ∑ TV tended to the small and medium-sized businesses and individual T = ———, where entrepreneurs. ∑V 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 231 – T is the weighted average term of credit; Debt (equity) securities transferred without derecognition T1. . .n is the weighted average maturity of loans granted by a are securities transferred to counterparties without derecognition credit institution No. 1…n; under repo transactions. V is the value of loans granted by a credit institution No. 1…n. Unpledged debt (equity) securities at balance-sheet value Weighted average interest rate on loans characterizes (excluding revaluation and cost adjustment) — credit institu- average interest rates on housing loans / mortgage loans / tions’ investments in debt securities (excluding revaluation and mortgage loans against the pledge of claims under share con- cost adjustment), except securities transferred to counterparties struction participation agreements granted by credit institutions without derecognition under repo transactions. during the reporting period (month) and is calculated using the following formula: Table 4.4 – ∑ VPT Credit Institutions’ Liabilities and Claims P = ————, where ∑ VT on Financial Derivatives – P is the weighted average interest rate; General Provisions P1. . .n is the weighted average interest rate on loans granted by a credit institution No. 1…n; The table presents data on the fair value of financial deriv- V1. . .n is the value of loans granted by a credit institution atives (claims and liabilities). No. 1…n; Derivative Financial Instrument is a claim, if the overall T1. . .n is the weighted average maturity of loans granted by a estimated value of contractual claims on a counterparty exceeds credit institution No. 1…n. corresponding overall estimated value of contractual liabilities Rights of claim under mortgage loans acquired is the on the same counterparty and a credit institution expects an balance of the debt on rights of claim under mortgage loans increase in future economic benefits resulting from the receipt acquired by credit institutions as of the reporting date. of assets (cash and other property), exchange of assets or lia- bilities’ redemption on the potentially favourable conditions for the credit institution. Table 4.3.13 Derivative Financial Instrument is a liability, if the overall Investment Portfolio of Credit Institutions estimated value of a credit institution’s contractual liabilities on General Provisions a counterparty exceeds corresponding overall estimated value of contractual claims on the same counterparty and the credit The table shows the values of credit institutions’ invest- institution expects a decrease in future economic benefits re- ments in securities except bills of exchange, such as debt and sulting from the retirement of assets (cash and other property), equity securities. The data do not include checks, warehouse exchange of assets or liabilities’ redemption on the potentially certificates and bearer passbooks. The table also shows infor- unfavourable conditions for the credit institution. mation on credit institutions’ participation in the authorized The data source is reports of operating credit institutions capital of subsidiary and affiliated joint-stock companies and compiled under Form 0409101 ‘The Trial Balance of a Credit other organizations. Institution’ and submitted in compliance with Bank of Russia The source of information is reports compiled by operating Ordinance No. 4927‑U, dated 8 October 2018, ‘On the List, credit institutions of the Russian Federation according to Form Forms and Procedure for Compiling and Submitting Credit In- 0409101 ‘The Trial Balance of a Credit Institution’ and submit- stitutions’ Reporting Forms to the Central Bank of the Russian ted in compliance with Bank of Russia Ordinance No. 4927‑U, Federation’. dated 8 October 2018, ‘On the List, Forms and Procedure for Compiling and Presenting Credit Institutions’ Reporting Forms to the Central Bank of the Russian Federation’. Subsection 4.5. Main Indicators of Subjects Starting from data as of 1 February 2019, the indicators of Collective Investments and Insurance provided including revaluation also include value adjustment Business Performance according to the Chart of Accounts for Credit Institutions (Bank of Russia Regulation No. 579‑P, dated 27 February 2017). Table 4.5.1 Individual Indicators Highlights Main Indicators of Private Pension Funds’ Performance Gross investments in debt securities (including loss provi- sions, revaluation and cost adjustment) are credit institutions’ General Provisions investments in debt obligations that are classified as securities The table performance in private pension provision and under Russian law (debt securities of the Russian Government, mandatory pension insurance. The table features private pen- the Bank of Russia, regional and local governments, resident sion funds licensed to engage in pension provision and pension credit institutions, and resident organizations other than insurance. credit institutions; securities that are backed to repurchase The indicators are derived from data contained in OKUD Form agreements (repos) and not qualify for derecognition; and 0420254 ‘Statement of Private Pension Provision’ and Form non-residents’ securities, other than bills of exchange, that are 0420255 ‘Statement of Mandatory Pension Insurance’ approved considered securities under the law of the issuer’s country). by Bank of Russia Ordinance No. 4623‑U, dated 27 November These investments include securities that are booked at their 2017, ‘On the Form, Timeframe and Procedure for Compiling and fair value through profit or loss, or through other comprehen- Submitting to the Bank of Russia Operating Statements, Includ- sive income, booked at amortized cost, as well as those not ing the Requirements for Statements on Mandatory Pension redeemed in due time, denominated in Russian rubles or foreign Insurance by Non-Governmental Pension Funds’. currency. Debt securities booked at fair value are recognized Individual Indicators Highlights including revaluation. Gross investments in equity securities (including loss Pension reserves mean total funds owned by the Fund and provisions, revaluation and cost adjustment) — investments in intended to finance the Fund’s obligations to its pension scheme shares, units, and any other securities that in accordance with participants under respective pension agreements. They include the law of the issuer’s country entitle their holder to a stake in reserves to cover pension obligations and a premium reserve. the organization’s property and (or) net assets (residual interest Pension reserves are made up of: in assets remaining after deducting all its liabilities). — pension contributions; Investments in equity securities include equity securities — returns on investment of pension reserves; booked at fair value through profit or loss, as well as equity — earmarked receipts; securities booked at fair value through other comprehensive — other assets designated by the Board of Directors (Super- income, denominated in Russian rubles or foreign currency. visory Board) of the Fund. 232 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Number of participants means the number of individuals The data are drawn from OKUD Form 0420255 ‘Statement entitled to receive or actually receiving private pensions under of Mandatory Pension Insurance’ approved by Bank of Russia their respective pension agreements. Ordinance No. 4623‑U, dated 27 November 2017, ‘On the Form, Number of participants receiving pension means the num- Timeframe and Procedure for Compiling and Submitting to the ber of individuals receiving private pension as of the end of the Bank of Russia Operating Statements, Including the Require- reporting period. ments for Statements on Mandatory Pension Insurance by Payouts of pensions under private pension provision mean Non-Governmental Pension Funds’. cash regularly paid to participants pursuant to their pension agreements. Table 4.5.4 Pension savings mean as defined by Federal law No. 111‑FZ, dated 24 July 2002, ‘On Investment of Funds for Financing the Main Indicators of Unit Investment Funds’ Funded Part of Labour Pension in the Russian Federation’. Performance Number of insured persons means the number of individuals General Provisions who have entered into mandatory pension insurance agreements (insured persons under operational mandatory pension insurance The table presents performance indicators of unit investment agreements as of the end of the reporting period). funds in the Russian Federation, broken down by types of unit Number of insured persons receiving pension means the investment funds: number of holders of investment shares in number of individuals receiving funded pension or term pension unit investment funds, value of net assets of unit investment benefits as of the end of the reporting period. funds, volume of issue of investment shares of unit investment Number of insured persons who received a one-off benefit funds, and volume of redemption of investment shares of unit means the number of insured persons who received a one-off investment funds. benefit in the reporting period, including additional benefits. The indicators are compiled on the basis of aggregated data Payouts of pension benefits under mandatory pension from Form 0420502 ‘Notes of Net Asset Values, Including Asset insurance comprise funded pension, term pension benefits and (Property) Value, of Joint-stock Investment Funds (Unit Invest- one-off benefits. ment Funds)’, Form 0420503 ‘Statement of Growth (Decrease) in Value of Property Held by Joint-stock Investment Funds (Making up Unit Investment Funds)’, Form 0420504 ‘Statement Table 4.5.2 of Shareholders of Joint-stock Investment Funds (Holders of Private Pension Funds’ Pension Reserves Generation Investment Shares in Unit Investment Funds)’, submitted to General Provisions the Bank of Russia by asset management companies of unit investment funds as prescribed in Bank of Russia Ordinance The table presents information on generation of pension No. 4715‑U, dated 8 February 2018, ‘On the Forms, Procedure reserves by private pension funds. and Timeframes for Compiling and Submitting to the Bank The indicators are derived from data contained in OKUD Form of Russia Statements by Joint-stock Investment Funds and 0420254 ‘Statement of Private Pension Provision’ approved Management Companies of Investment Funds, Unit Investment by Bank of Russia Ordinance No. 4623‑U, dated 27 November Funds, and Non-Governmental Pension Funds’ (until 2016 — 2017, ‘On the Form, Timeframe and Procedure for Compiling and Federal Securities Commission Resolution No. 03‑41/ps, dated Submitting to the Bank of Russia Operating Statements, Includ- 22 October 2003, ‘On Statements of Joint-stock Investment ing the Requirements for Statements on Mandatory Pension Funds and Management Companies of Unit investment Funds’; Insurance by Non-Governmental Pension Funds. for 2016 — 2017 Q2 — Bank of Russia Ordinance No. 3901‑U, Individual Indicators Highlights dated 16 December 2015, ‘On Terms of and Procedure for Compiling and Submitting to the Bank of Russia Statements Pension reserves as of the beginning of the year mean by Joint-stock Investment Funds and by the Management total assets held by the fund to deliver on its obligations to Company of Investment Funds, Unit Investment Funds, and participants under the terms of pension agreements as of the Non-Governmental Pension Funds’; for 2017 Q3 — 2018 Q1 — beginning of the reporting period. Bank of Russia Ordinance No. 4323‑U, dated 24 March 2017, Pension contributions are funds paid by the contributor for ‘On the Forms, Procedure and Timeframes for Compiling and the account of the participant under the terms of the pension Submitting to the Bank of Russia Statements by Joint-stock agreement. Investment Funds and Management Companies of Investment Earmarked receipts are funds used according to the purpose Funds, Unit Investment Funds, and Non-Governmental Pension specified by their originator. Individuals and legal entities that Funds’). are shareholders, founders, contributors and third parties, can Individual Indicators Highlights serve as the originator of these receipts. These funds are not expected to be repaid. Indicator Number of Holders of Investment Shares in Unit Pension reserve investment returns are pension reserve Investment Funds reflects the aggregate number of holders in investment performance — dividends and yields on securities, the registers of unit investment fund shareholders. income (interest) on bank deposits, other types of income from Starting from 2016 Q1, indicator Number of Personal Ac- invested pension reserves, net financial result from the sale of counts in the Registers of Investment Fund Shareholders assets and net financial result from pension reserves’ revaluation is replaced with indicator Number of Holders of Investment as of the reporting date. Shares in Unit Investment Funds in order to provide reliable Payouts made in the reporting year are payments of private information on the actual number of holders of investment pension benefits, payments of surrender values under terminated shares in funds (including holders whose rights for investment agreements and payments to legal successors. shares are accounted for in nominal holders’ accounts, and Pension reserves as of the end of the year mean total excluding zero personal accounts in the registers of investment assets held by the fund to deliver on its obligations to partici- fund shareholders). pants under the terms of pension agreements as of the end of Indicator Value of Net Assets of Unit Investment Funds the reporting period. reflects the aggregate value of net assets of operational unit investment funds. Indicator Issue of Investment Shares of Unit Investment Table 4.5.3 Funds reflects the aggregate amount of issued investment Private Pension Funds’ Generation and Distribution shares of unit investment funds in the reporting period (the first of Pension Savings quarter, the first six months, the first nine months and a year). General Provisions The indicator is shown as accrued year-to-date total. Indicator Redemption of Investment Shares of Unit In- The table presents information about accrual and disposal vestment Funds reflects the aggregate amount of redeemed of pension savings by private pension funds. investment shares of unit investment funds in the reporting 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 233 period (the first quarter, the first six month, the first nine Russia; on the Procedure for Insurers to Submit Information to months and a year). The indicator is shown as accrued year- the Bank of Russia about Persons Tasked to Carry Out Identi- to-date total. fication, Simplified Identification, and an Update of Information about Customers, Customer Representatives, Beneficiaries, and Beneficial Owners; and on the Procedure for Insurers to Submit Table 4.5.5 to the Bank of Russia Information about the Publication of Their Insurers’ Premiums and Payoffs by Type of Insurance Annual Accounting (Financial) Statements’. General Provisions Individual Indicators Highlights The table reflects volumes of insurance premiums and ben- Indicator Insurance Premiums reflects payment for insurance efits by type of insurance over the reporting period. that the insured (beneficiary) has to pay to the insurer in the The indicators of insurers are compiled on the basis of regu- manner and in the timeframe specified in the insurance contract. lar statistical reporting provided by insurance companies to the It includes the amount of insurance premiums specified in insur- Bank of Russia in accordance with Law of the Russian Federation ance contracts over the reporting period (as amended, including No. 4015‑1, dated 27 November 1992, ‘On the Organization of the refund of insurance premiums). Insurance Business in the Russian Federation’. Indicator Payoffs reflects a cash amount determined ac- Sources of the insurers’ indicators are data from quarterly cording to the procedure prescribed in the federal legislation statistical reporting form 0420162 ‘Data on the Activity of and (or) in the insurance contract, to be paid by the insurer to Insurers’ approved by Bank of Russia Ordinance No. 6805‑U, the insured, insured person or beneficiary upon the occurrence dated 15 July 2024, ‘On the Forms, Timeframe and Procedure of an insured event (insurance benefit), and other payouts under for Insurers to Compile and Submit Their Reports to the Bank of insurance contracts. 234 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Section 5. Selected Indicators on the Russian Federation’s Payment System Table 5.1 made with payment cards in and outside the territory of the Selected Indicators on Payment Card Russian Federation. Transactions — Transfers to individuals are funds transfers to individuals, General Provisions including e‑money uploads. — Other transactions include payment card transactions not The table shows the dynamics of transactions with payment related to payments for goods (works, services) and manda- cards issued by credit institutions and the Bank of Russia, tory payments to government (e.g. funds transfers for charity which are made by customers in and outside the territory of the purposes etc.). Russian Federation, decomposed by individuals and legal entities. Data on the number of payment cards issued are given as The information source is quarterly statistical reports sub- of the first day of the month following the reporting quarter. mitted by credit institutions to the Bank of Russia, and the Bank Data on the value and volume of payment card transactions of Russia’s information. are given for the reporting quarter. Individual Indicator Highlights Table 5.2 — Payment card is a debit/credit card issued by a credit insti- tution / the Bank of Russia. Structure of Funds Transfers — Number of payment cards means the actual number of Carried Out Through the BRPS payment cards issued by credit institutions and the Bank of General Provisions Russia to their customers. — Number of payment cards in use means the number of The table contains quarterly and annual data on the number payment cards used in transactions since the beginning of and value of funds transfers effected through the BRPS, decom- a reporting year. posed by payer types: — Payments for goods (works, services) are payments for — Customers that are credit institutions and their branches. goods (works, services) made with payment cards in and — Customers other than credit institutions (e.g. Federal Trea- outside the territory of the Russian Federation. sury bodies and regional branches). — Mandatory payments to government (including customs — Structural units of the Bank of Russia. payments) are mandatory payments (taxes, fines, duties, etc.) The data sources are the reports of Bank of Russia regional to Federal Treasury accounts, as well as customs payments branches on effected funds transfers. 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 235 Section 6. Regional Section The information in the tables of Regional Section is formed Issue of issue-grade securities means all securities of one according to the federal structure of the Russian Federation1, issuer, which provide their holders with equal scope and duration set up by the Constitution of the Russian Federation (Article 5) of rights and have equal par value if the par value is provided for with a breakdown by constituent entities of the Russian Feder- by Russian law. An issue of issue-grade securities shall be assigned ation (Article 65), and also by federal districts which structure is with a registration number applicable to all securities of the issue. set up by President of the Russian Federation Decree No. 849, Additional issue of issue-grade securities means securities dated 13 May 2000. placed additionally to previously placed securities of the same issue of issue-grade securities. Volume of registered issues (additional issues) of issue- Subsection 6.1. Institutional Characteristics grade securities is the volume of issues (additional issues) of is- sue-grade securities by each constituent territory of the Russian Table 6.1.1 Federation at par value in the Russian currency. It is calculated Number of Credit Institutions using the following formula: with Nonresidents Equity n V = ∑ (Ki × Ni), where General Provisions i=1 The table contains information on the quantitative break- V is volume of issues (additional issues) of issue-grade securi- down of operating credit institutions with nonresidents equity ties, in rubles; by type of banking licences and constituent territory of the n is the total number of all registered issues (additional issues) Russian Federation. of securities by constituent territory of the Russian Federation; Individual Indicators Highlights Ki is the number of securities in the issue (additional issue) of securities ‘i’ subject to placement, in pieces; Residents/Nonresidents — the notions ‘residents’ and ‘non- Ni is the par value of one security in the issue (additional issue) residents’ used for calculating the indicators of this table are of securities ‘i’ subject to placement, in rubles. defined in accordance with the Federal Law No. 173‑FZ, dated 10 December 2003, ‘On Foreign Exchange Regulation and Foreign Table 6.1.4 Exchange Control’. Credit institution with nonresidents’ equity in the autho- Number and Volume of Issues rized capital is a resident credit institution whose authorized (Additional Issues) of Foreign Currency-Denominated capital is formed with the nonresidents’ participation regardless Bonds of Russian Issuers of their share in it. (Including Bonds of Credit Institutions) General Provisions Table 6.1.2 Pursuant to its functions, the Bank of Russia performs state Credit Institutions Grouped by the Share registration of issues (additional issues) of bonds of issuers, of Nonresidents Equity including credit institutions. General Provisions The table shows the number and volume of issues (additional issues) of foreign currency-denominated bonds, registered by the The table shows the breakdown of operating credit institu- Bank of Russia, by constituent territory of the Russian Federation tions grouped by the share of nonresidents equity and constit- where the issuers of the above issue-grade securities are located uent territory of the Russian Federation. and by type of foreign currency. Individual Indicators Highlights Information is provided by quarter. Individual Indicators Highlights See commentary for table ‘Number of Credit Institutions with Nonresidents Equity’. Number of registered issues (additional issues) of bonds is the sum total of all registered issues and additional issues of bonds by constituent territory of the Russian Federation and by Table 6.1.3 type of foreign currency. Number and Volume of Issues Issue of issue-grade securities means all securities of one (Additional Issues) of Russian Currency-Denominated issuer, which provide their holders with equal scope and duration Issue-Grade Securities of Russian Issuers of rights and have equal par value if the par value is provided for (Including Credit Institutions) by Russian law. An issue of issue-grade securities shall be assigned General Provisions with a registration number applicable to all securities of the issue. Additional issue of issue-grade securities means securities Pursuant to its functions, the Bank of Russia performs state placed additionally to previously placed securities of the same registration of issues (additional issues) of issue-grade securities issue of issue-grade securities. of issuers, including credit institutions. Volume of registered issues (additional issues) of bonds The table shows the number and volume of issues (additional is the volume of issues (additional issues) of bonds by each issues) of Russian currency-denominated shares and bonds, constituent territory of the Russian Federation at par value in registered by the Bank of Russia, by constituent territory of the foreign currency. Russian Federation where the issuers of the above issue-grade Volume of registered issues (additional issues) of issue- securities are located. grade securities is the volume of issues (additional issues) of Information is provided by quarter. issue-grade securities by each constituent territory of the Rus- Individual Indicators Highlights sian Federation at par value in foreign currency. The calculation is made separately for each foreign currency Number of registered issues (additional issues) of issue- using the following formula: grade securities is the sum total of all registered issues and n additional issues of ordinary and preferred shares, issues of bonds, V = ∑ (Ki × Ni), where i=1 including convertible bonds. 1 Article 5 of the Russian Federation Constitution establishes that ‘the Russian Federation consists of republics, territories, regions, cities of federal significance, autonomous regions, autonomous areas which have rights as constituent entities of the Russian Federation’. 236 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology V is volume of issues (additional issues) of issue-grade securities, Table 6.2.2 in foreign currency; Funds of Individual Entrepreneurs n is the total number of all registered issues (additional issues) General Provisions of securities in one foreign currency by constituent territory of the Russian Federation; The table contains data by federal districts and constituent Ki is the number of securities in the issue (additional issue) of se- entities of the Russian Federation on the balances of funds in curities ‘i‘ subject to placement in one foreign currency, in pieces; rubles and foreign currency of individual entrepreneurs raised by Ni is the par value of one security in the issue (additional issue) credit institutions as of the reporting date. of securities ‘i‘ subject to placement, in foreign currency. These data are grouped by the place where the funds are raised by credit institutions. The source of information is reports compiled by Russian Subsection 6.2. Borrowings credit institutions (including nonbanking credit institutions) (hereinafter, credit institutions), in the form 0409302 ‘Information Table 6.2.1 on Borrowings’ in compliance with the Bank of Russia Ordinance Ruble, Foreign Currency and Precious Metals- No. 4927‑U, dated 8 October 2018, ‘On the List, Forms and Pro- Denominated Funds of Organizations, Deposits cedure for Compiling and Presenting Credit Institutions Reporting and Other Funds of Legal Entities and Individuals Forms to the Central Bank of the Russian Federation.’ This information is available on the Bank of Russia’s website. General Provisions Individual Indicators Highlights The table contains data by federal districts and constituent entities of the Russian Federation on the balances of funds in Funds of individual entrepreneurs are rubles and foreign rubles, foreign currency and precious metals borrowed by credit currency-denominated funds and deposits of individual entre- institutions as of the reporting date from customers other than preneurs operating without setting up legal entities. credit institutions, broken down by federal district and constituent entity of the Russian Federation. These data are grouped by the place where the funds are Subsection 6.3. Funds Allocations raised by credit institutions. The source of information is reports compiled by Russian Table 6.3.1 credit institutions (including nonbanking credit institutions and Volume of Ruble-Denominated Loans to Legal State Development Corporation VEB.RF) (hereinafter, credit Entities — Residents and Individual Entrepreneurs, institutions) in the form 0409302 ‘Information on Borrowings’ by Economic Activities and Fund Use in compliance with the Bank of Russia Ordinance No. 4927‑U, Table 6.3.2 dated 8 October 2018, ‘On the List, Forms and Procedure for Volume of Foreign Currency-Denominated Loans and Compiling and Presenting Credit Institutions Reporting Forms Loans in Precious Metals to Legal Entities — Residents to the Central Bank of the Russian Federation’. and Individual Entrepreneurs, This information is available on the Bank of Russia’s website. by Economic Activities and Fund Use Individual Indicators Highlights Table 6.3.3 Outstanding Amount of Loans on Ruble-Denominated Customer funds are balances of funds in rubles, foreign currency and precious metals of customers — residents and Loans to Legal Entities — Residents and Individual nonresidents other than credit institutions raised by credit insti- Entrepreneurs, by Economic Activities and Fund Use tutions, their branches and operational offices. The balances of Table 6.3.4 funds do not include funds raised as subordinated debt (deposit, Outstanding Amount of Loans on Foreign Currency- loan, bonded loan). Denominated Loans and Loans in Precious Metals Funds of organizations are balances of current accounts of to Legal Entities — Residents and Individual state owned public organizations and private owned organiza- Entrepreneurs, by Economic Activities and Fund Use tions — residents and nonresidents in rubles and foreign currency. Table 6.3.5 Deposits of legal entities (excluding funds of individual Overdue Loans on Ruble-Denominated Loans to Legal entrepreneurs) are ruble and foreign currency-denominated Entities — Residents and Individual Entrepreneurs, funds of residents and nonresidents on deposits and funds raised by Economic Activities and Fund Use with deposit certificates. The balances of funds do not include Table 6.3.6 funds placed as guarantee deposit under the contract of safe Overdue Loans on Foreign Currency-Denominated deposit box rent. Loans and Loans in Precious Metals to Legal Entities — Deposits and other funds of individuals (including escrow Residents and Individual Entrepreneurs, account funds) are ruble and foreign currency-denominated by Economic Activities and Fund Use funds of residents and nonresidents on deposits, balances of current accounts including escrow accounts and funds raised General Provisions with savings certificates. The balances of funds do not include funds placed as guarantee deposit under the contract of safe These tables contain data on funds lent by credit institutions deposit box rent. to legal entities — residents (including financial institutions, orga- Deposits and other funds of individuals (excluding escrow nizations of various organizational and legal forms) and individual account funds) are ruble and foreign currency-denominated entrepreneurs in rubles, foreign currency and precious metals by funds of residents and nonresidents on deposits, balances of economic activities and fund use. Regional data are grouped by current accounts (excluding escrow accounts) and funds raised borrowers’ residence. with savings certificates. The balances of funds do not include The source of information on credit to legal entities and funds placed as guarantee deposit under the contract of safe entrepreneurs is report compiled by Russian credit institutions deposit box rent. (including the State Development Corporation VEB.RF) and Escrow account funds are funds of resident and nonresident non-bank credit institutions) (hereinafter, credit institutions), in individuals opened for settlements under agreements of in share form 0409303 ‘Information on Granted Funds To Legal Entities’ construction of apartment houses and other real estate objects in compliance with the Bank of Russia Ordinance No. 4927‑U, in accordance with the legislation of the Russian Federation. dated 8 October 2018, ‘On the List, Forms and Procedure for 7. Summary Methodology Bank of Russia Statistical Bulletin No. 3 (394) 237 Compiling and Presenting Credit Institutions Reporting Forms credit institutions to resident individuals in rubles and foreign to the Central Bank of the Russian Federation’. currency. Borrower activities correspond to the Russian Classification Loans to resident individuals are loans granted for purchasing of Economic Activities (RCEA). In order to define borrower’s eco- goods (works, services) for personal, family, home or other needs nomic activity, primary occupation is used, according to data from not connected with any entrepreneurial activities. general aggregate of the Statistical register of Federal Agency The category of housing loans granted to individuals com- of the State’s Statistics. prises the following loans: This information is available on the Bank of Russia’s website. — loans granted for the purchase and development of land for Individual Indicators Highlights housing construction; — loans granted to finance construction; Volume of loans to legal entities and entrepreneurs is the — loans granted to buy housing. volume of loans granted by credit institutions to legal entities — The category of mortgage loans comprises housing loans gran­ residents and individual entrepreneurs on monthly basis broken ted to resident individuals against a collateral of real estate accord- down by type of economic activity and fund use. ing to the procedure established by the Federal Law No. 102‑FZ, Outstanding amount of loans to legal entities and entre- dated 16 July 1998, ‘On Mortgage (real estate mortgage)’. preneurs reflects data on debt on loans (including overdue debt) The category of mortgage loans against the pledge of claims extended to legal entities and individual entrepreneurs disaggre- under share construction participation agreements comprises gated by economic activities and fund use. mortgage loans granted to resident individuals according to the Overdue loans to legal entities and entrepreneurs reflects procedure established by the Federal Law, No. 214‑FZ, dated data on the balance of overdue debt on loans extended to legal 30 December 2004, ‘About participation in share construction entities and individual entrepreneurs disaggregated by economic of apartment houses and other real estate objects and about activities and fund use. modification of some legal acts of the Russian Federation’. The source of information has been the reports compiled by credit institutions in the form 0409316 ‘Information on Granted Table 6.3.7 Funds to Individuals’, established by Bank of Russia Ordinance Loans Extended to Small, Medium-Sized Businesses No. 4927‑U, dated 8 October 2018, ‘On the List, Forms and Pro- General Provisions cedure for Compiling and Presenting Credit Institutions’ Reporting Forms to the Central Bank of the Russian Federation’. The table contains data on funds granted to small and me- This information is available on the Bank of Russia’s website. dium-sized business with a breakdown by constituent entities of Individual Indicators Highlights the Russian Federation. Regional data are grouped by borrowers’ residence. Volume of housing loans / mortgage loans / mortgage The source of information on credit to small and medi- loans against the pledge of claims under share construction um-sized business is report compiled by Russian credit institu- participation agreements granted to resident individuals is the tions (including the State Development Corporation VEB.RF and amount of funds provided during the reporting period under credit non-bank credit institutions) (hereinafter, credit institutions), in agreements (additional agreements). This indicator is compiled form 0409303 ‘Information on Granted Funds To Legal Entities’ for the reporting period (month). in compliance with the Bank of Russia Ordinance No. 4927‑U, Debt on housing loans /mortgage loans / mortgage loans dated 8 October 2018, ‘On the List, Forms and Procedure for against the pledge of claims under share construction partici- Compiling and Presenting Credit Institutions Reporting Forms pation agreements is the balance of the debt on loans, including to the Central Bank of the Russian Federation’. overdue debt as of the reporting date. This information is available on the Bank of Russia’s website. Overdue debt on housing loans / mortgage loans / mort- Individual Indicators Highlights gage loans against the pledge of claims under share construc- tion participation agreements is the balance of overdue debt Small and medium-sized businesses are as defined by Fed- on loans as of the reporting date. eral Law No. 209‑FZ, dated 24 July 2007, ‘On the Development Weighted average maturity of loans granted since the be- of Small and Medium-Sized Businesses in the Russian Federation’ ginning of the year characterizes average maturity of housing according to the data obtained from the register of small and loans / mortgage loans / mortgage loans against the pledge of medium-sized business managed by the Federal tax service. claims under share construction participation agreements granted Volume of extended loans is value of loans granted by credit by credit institutions during the reporting period (month) and is institutions to small and medium-sized business on monthly basis. calculated using the following formula: Outstanding amount of loans — balance of the debt, in- – ∑ TV cluding overdue debt, on loans extended to the small and medi- T = ———, where um-sized businesses and individual entrepreneurs. ∑V – Overdue loans — balance of the overdue debt on loans ex- T is the weighted average term of credit; tended to the small and medium-sized businesses and individual T1. . .n is the weighted average maturity of loans granted by a entrepreneurs. credit institution No. 1…n; V1. . .n is the value of loans granted by a credit institution No. 1…n. Weighted average interest rate on loans characterizes av- Table 6.3.8 erage interest rates on housing loans / mortgage loans extended Outstanding Amount of Loans by credit institutions during the reporting period (month) and is Granted to Resident Individuals calculated using the following formula: Table 6.3.9 Selected Indicators of Loans in Rubles – ∑ VPT P = ————, where Granted to Resident Individuals ∑ VT – Table 6.3.10 P is the weighted average interest rate; Selected Indicators of Loans in Foreign Currency P1. . .n is the weighted average interest rate on loans granted by Granted to Resident Individuals a credit institution No. 1…n; V1. . .n is the value of loans granted by a credit institution No. 1…n; General Provisions T1. . .n is the weighted average maturity of loans granted by a These tables show data on loans, including housing loans / credit institution No. 1…n. mortgage loans / mortgage loans against the pledge of claims The regional breakdown is compiled by grouping data by the under share construction participation agreements granted by borrowers’ residence. 238 Bank of Russia Statistical Bulletin No. 3 (394) 7. Summary Methodology Subsection 6.4. Data on the Activity of Insurers Table 6.4.2 and Private Pension Funds Private Pension Funds’ Performance General Provisions Table 6.4.1 The table contains main performance indicators of private Insurers’ Premiums and Payoffs pension funds broken down by Russian region and foreign state. General Provisions The table includes data on private pension funds licensed to engage in pension provision and pension insurance activities. The table reflects volumes of insurance premiums and bene- The indicators are compiled on the basis of data from OKUD fits broken down by federal district and Russian region over the Form 0420254 ‘Statement of Private Pension Provision’ and Form reporting period. 0420255 ‘Statement of Mandatory Pension Insurance’ approved The indicators of insurers are compiled on the basis of regu- by Bank of Russia Ordinance No. 4623‑U, dated 7 February 2017, lar statistical reporting provided by insurance companies to the ‘On the Form, Timeframe and Procedure for Compiling and Sub- Bank of Russia in accordance with Law of the Russian Federation mitting to the Bank of Russia Operating Statements, Including the No. 4015‑1, dated 27 November 1992, ‘On the Organization of Requirements for Statements on Mandatory Pension Insurance Insurance Business in the Russian Federation’. by Non-Governmental Pension Funds. Sources of the insurers’ indicators are data from quarterly Individual Indicators Highlights statistical reporting form 0420162 ‘Data on the Activity of Insurers’ approved by Bank of Russia Ordinance No. 6805‑U, Pension reserves mean total funds owned by the Fund and dated 15 July 2024, ‘On the Forms, Timeframe and Procedure intended to finance the Fund’s obligations to its pension scheme for Insurers to Compile and Submit Their Reports to the Bank of participants under respective pension agreements. They comprise Russia; on the Procedure for Insurers to Submit Information to reserves to cover pension liabilities and premium reserves. Pen- the Bank of Russia about Persons Tasked to Carry Out Identi- sion reserves are made up of: fication, Simplified Identification, and an Update of Information — pension contributions; about Customers, Customer Representatives, Beneficiaries, and — returns on investment of pension reserves; Beneficial Owners; and on the Procedure for Insurers to Submit — earmarked receipts; to the Bank of Russia Information about the Publication of Their — other assets designated by the Board of Directors (Supervi- Annual Accounting (Financial) Statements’. sory Board) of the Fund. Individual Indicators Highlights Number of participants indicates the number of individuals entitled for or actually receiving private pension benefits accord- Indicator Insurance Premiums reflects payment for insurance ing to pension agreements between contributors and the Fund. that the insured (beneficiary) has to pay to the insurer in the Pension contributions mean cash paid by contributors for manner and in the timeframe specified in the insurance contract. the account of participants pursuant to the terms of pension It includes the amount of insurance premiums specified in insur- agreements. ance contracts over the reporting period (as amended, including Payouts of pension benefits under private pension pro- the refund of insurance premiums). vision mean payments of private pension benefits, payments Indicator Payoffs reflects a cash amount determined ac- of surrender values on terminated contracts and payments to cording to the procedure prescribed in the federal legislation legal successors. and (or) in the insurance contract, to be paid by the insurer to Number of participants receiving pensions means the the insured, insured person or beneficiary upon the occurrence number of individuals receiving private pension under pension of an insured event (insurance benefit), and other payouts under agreements as of the end of the reporting period. insurance contracts. Pension savings mean as defined by Federal law No. 111‑FZ, dated 24 July 2002, ‘On Investment of Funds for Financing the Funded Part of Labour Pension in the Russian Federation’. Number of insured persons means the number of individuals who have entered into mandatory pension insurance agreements (insured persons under operational mandatory pension insurance agreements as of the end of the reporting period).