The Central Bank of Russia published its December 2025 monitoring results for maximum interest rates on Russian ruble household deposits offered by the 10 credit institutions that attract the largest volume of household deposits. The average maximum rate declined across the month, from 15.63% in the first 10 days of December to 15.38% in the second 10 days and 15.28% in the third 10 days. The monitored group comprises Sberbank, VTB Bank, Gazprombank, Alfa-Bank, Rosselkhozbank, Bank DOM.RF, Credit Bank of Moscow, TBank, Promsvyazbank and Sovcombank, with results compiled by the Bank of Russia’s Department of Banking Regulation and Analytics based on information from the banks’ websites and described as indicative. The average maximum rate is calculated as the arithmetic mean of each bank’s maximum rate for deposits available to any client without limitations or preliminary conditions, excluding special-category and purpose-specific deposits, compound rates, conditional rates linked to card turnover or balance requirements, combined products with additional conditions (including linked investment or insurance arrangements), and deposits with maturities split into periods with varying rates; for reference, average maximum rates by maturity were 14.69% (up to 90 days), 14.94% (91–180 days), 14.20% (181 days to one year) and 12.37% (over one year).
Central Bank of Russia 2026-01-13
Central Bank of Russia reports top 10 banks’ maximum ruble deposit rates fell to 15.28% in late December 2025
The Central Bank of Russia reported a decline in the average maximum interest rates on Russian ruble household deposits among the top 10 credit institutions, from 15.63% in early December 2025 to 15.28% by the month's end. The rates, calculated as an arithmetic mean excluding special conditions, were monitored by the Bank of Russia’s Department of Banking Regulation and Analytics.