In 2025 Russians will earn 9.5 trillion rubles on deposits.

      December 2, 2025 12:57 Economics

      According to VTB's estimate, in 2025 Russian depositors will earn more than 9.5 trillion rubles in interest income from savings products. This amount will be comparable to the volume of all loans issued to individuals and twice as large as the volume of mortgages issued this year. This was stated at the 16th VTB Investment Forum "RUSSIA CALLS!" by Senior Vice President, Head of the Retail Business Products Department at VTB, Alexey Okhorzin.

      Depositors' income in 2025 will be approximately 1.5 times higher than for the same period last year. VTB itself will pay the public more than 1.6 trillion rubles in interest income.

      "After the start of the cycle of easing the key rate, a logical question arose: continue saving or start spending. But it is more correct to ask which goals to spend on today, and which to save and invest for tomorrow. Savings products still retain high yields and provide not only protection against inflation but also bring a stable passive income. This year Russians will receive 9.5 trillion rubles in interest income," commented Alexey Okhorzin.

      Recall that in recent days several large banks in Russia announced increases in deposit rates, which indicates the traditional start of the pre-New Year race: increased interest from the public in savings products ahead of the payment of 13th salaries, as well as the desire of credit institutions to attract this stable liquidity by adjusting deposit terms.

      Thus, VTB stated that from December 1, 2025 it will once again increase interest rates on ruble deposits for terms of 4 and 6 months for all clients. Similar steps were taken last week by Gazprombank, Bank Dom.RF, T-Bank, MKB and other financial institutions.

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