Experts noted the growth of Russians' savings since the beginning of the year

The volume of the individual savings market in Russia increased by about 7% in the first nine months of 2025, reaching 61.5 trillion rubles by the end of September. According to VTB experts, the share of the national currency in the market structure remains consistently high — about 95% or 58.3 trillion rubles.

"Despite the reduction in the key interest rate, banks continue to offer attractive conditions for medium—term deposits, which supports customer interest in savings products," said Alexey Okhorzin, Senior Vice President and Head of Retail Business Products at VTB.

According to VTB, after a slight slowdown in August, the monthly market growth accelerated to 0.6% in September. The bank expects that by the end of the year, the volume of the liability market will reach 66.2 trillion, of which 62.8 trillion is in rubles. In annual terms, this is an increase of 15% and 17%, respectively.

The main contribution to the growth was made by ruble term deposits, the inflow of which amounted to about 1.0%. At the same time, ruble-denominated demand funds showed near-zero dynamics. This is due to the seasonal increase in household spending and lower rates on savings products.

Earlier, VTB noted an increase in the total number of depositors in nine months — by 17%, or by 2 million people. Since the beginning of the year, VTB has increased retail customer investments to 11.1 trillion rubles. Individuals hold 8 trillion rubles in deposits and 1.8 trillion rubles in savings accounts.

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