The Central Bank of Russia released its December 2025 monitoring results on the average maximum interest rates on Russian-ruble deposits offered by the top 10 credit institutions attracting the largest volume of household deposits. The reported average maximum rate was 15.63% for the first 10 days of December and 15.38% for the second 10 days. The calculation reflects the arithmetic mean of each bank’s maximum publicly available deposit rate without limitations or preliminary conditions, and excludes products for special client categories, compound interest deposits, deposits conditional on meeting requirements (such as card turnover or minimum balances), combined products linked to investment or insurance features, and deposits with step-up or varying rates across sub-periods. For reference, the average maximum rates by maturity were 14.82% (up to 90 days), 15.02% (91–180 days), 14.40% (181 days to one year), and 12.37% (over one year), based on information from the banks’ websites.
Central Bank of Russia 2025-12-25
Central Bank of Russia publishes December monitoring results for top 10 banks’ maximum ruble deposit rates
The Central Bank of Russia reported that the average maximum interest rates on Russian-ruble deposits from the top 10 credit institutions were 15.63% for the first 10 days of December 2025 and 15.38% for the second 10 days. These rates exclude special client categories and certain conditional or combined deposit products. Average maximum rates by maturity were 14.82% for up to 90 days, 15.02% for 91–180 days, 14.40% for 181 days to one year, and 12.37% for over a year.