The Bank of Russia calculated the household savings rate.

      The Bank of Russia has begun publishing data on the savings rate of households. It reflects what share of income people can afford to save. In the fourth quarter of 2025, the rate was 15.8%. How it changed earlier can be seen in the picture below. The Central Bank also reported that in 2025, the financial assets of households grew by 15.2 trillion rubles. This is 1.5 trillion less than a year earlier. In the structure of financial assets, the largest share is held by deposits (40.3%), stocks (33.2%), and cash currency (13%). Last year, the increase in savings was mainly due to deposits (+9.2 trillion rubles). As for currency, investments in the national currency increased to 760.7 billion rubles, while investments in foreign currency continued to decline. The volume of investments in debt securities reached a historical maximum (1.3 trillion rubles). People invested 1.9 trillion rubles in stocks. At the same time, the debt on bank loans amounted to 40 trillion rubles, and on mortgages to 21.7 trillion rubles.