Analysts reported a decrease in demand for short-term bank deposits

At the beginning of 2025, the demand for short-term bank deposits, especially monthly ones, decreased significantly. In February 2025, the share of monthly deposit requests was only 13% of the total number of deposit requests. This is 4 percentage points less than in December 2024. This opinion was shared by analysts of the <url> financial marketplace in an interview with Izvestia on March 21.

Monthly deposits, which ranked third in popularity at the end of 2024, dropped to fourth. Three-month deposits remain the leader, accounting for more than 30% of demand. Six-month deposits remain in second place with a 24% share, although their popularity has also declined slightly.

Analysts attribute the decline in interest in short-term deposits to depositors' expectations. In 2024, the demand for monthly deposits almost doubled (to 17-18%) due to expectations of an increase in the key interest rate by the regulator. However, the Central Bank kept the rate unchanged, which led to a flow of funds into long-term deposits.

So, in February 2025, the demand for deposits for a period of one to two years increased by 2 percentage points (up to 5%) compared to December 2024. The total interest in deposits for more than a year has increased to 11%.

Among the additional parameters of deposits, Russians more often choose a monthly interest payment (31-32% of demand). Deposits with the possibility of replenishment occupy the second place (24%), and deposits with capitalization — the third (21%).

Experts predict that in March and April 2025, the trend towards an increase in demand for long-term deposits will continue. The share of annual deposits may reach 18-20% by April, and the total demand for deposits for more than a year may reach 13-15%.

Dative case: the number of open deposits has increased in the Russian Federation

What is the reason for the enthusiasm of Russians?

Earlier, on January 18, Evgeny Statov, a partner at Capital Lab, told Izvestia about current investment instruments. According to him, in conditions of high interest rates, deposits remain one of the most attractive tools for saving capital. The level of deposit rates in the largest banks reaches 23%, which allows you to earn a stable income with minimal risks.