The analyst spoke about the changes in deposits and loans in 2026

Banks will continue to reduce the profitability of deposits and savings accounts, but you should not expect a rapid reduction in the cost of loans. This was announced on March 27 by the head of the expert analytics department of the Bank's financial marketplace.<url> Inna Soldatenkova.

According to her, the changes will take place following the decision of the Central Bank of the Russian Federation on the key interest rate. She noted that now the average deposit rate is 10.5% per annum. As Soldatenkova added, short—term deposits will fall the most - up to six months.

In addition, the expert specified that by the end of the year deposits can be fixed in the range from 9% to 11% per annum.

"At the same time, the "rate curve" for urgency will continue to smooth out, that is, the gap in profitability between short and long products will gradually decrease," she said in an interview with the Prime agency.

According to Soldatenkova, nothing will change for mortgage holders, and no massive reduction has been announced for new loans.

Prices and information: Russia will return to mortgages at 9-10% with lower inflation

Nabiullina reported to the deputies of the State Duma — the main thing about loans, the digital ruble and overpayment in MFIs

On March 25, Russian Prime Minister Mikhail Mishustin instructed the Ministry of Finance and the Ministry of Construction to work out the issue of a differentiated approach to family mortgages by July 1. The relevant orders were given following the results of the annual report to the State Duma.

All important news is on the Izvestia channel in the MAX messenger.