Interest rates for ruble loans issued from 2019 to 2024, broken down by maturity: from a few days to six months and longer. The rows show how rates changed depending on the term; for example, short-term loans of up to 30 days were 6.79 percent in 2019 and 25.32 in 2024. The period covers six years, with annual data presented as a yearly cross-section
Dynamics of weighted average interest rates on ruble loans, 2019–2024
With a term / In roubles — from 31 to 90 days / 12.22 — to individuals
With a term / In roubles — up to 30 days, including demand deposits / 13.21 — to individuals
Term / In rubles — from 91 to 180 days / 16.93 — to individuals
Term / In rubles — up to 30 days, including demand deposits / 13.21 — to non-financial organizations
Term / In rubles — from 181 to 1 year / 14.8 — to individuals
Term / In rubles — over 3 years / 11.75 — to individuals
Term / In rubles — over 3 years / 11.75 — to non-financial organizations
Term / In US dollars — from 181 to 1 year / – — to non-financial organizations
With a term / In US dollars — up to 1 year, including demand deposits / – — to non-financial organisations
Term / In US dollars — from 31 to 90 days / – — to non-financial organizations
Rosstat data for 2019–2024. Series: 42, periods: 6. Breakdown by items: With maturity / In rubles — up to 30 days, including ‘on demand’…; With maturity / In rubles — from 31 to 90 days / 12.22 — non-financial…; With maturity / In rubles — from 91 to 180 days / 16.93 — non-financial…; With maturity / In rubles — from 181 days to 1 year / 14.8 — non-financial…; With maturity / In rubles — up to 1 year, including ‘on demand’ and others
With maturity / In rubles — from 31 to 90 days / 12.22 — to individuals: the indicator rose from 15.2 to 42.2 for 2019–2024 — by a factor of 2.78. The highest value is 42.2 (2024), the lowest is 15.2 (2020). This is an average annual growth of 22.7%. Out of the 25 largest series, 21 increased, 4 declined
Table rows are categorized by maturity and currency, allowing for comparison of borrowing costs across different categories. The data tracks changes in interest burden when moving from short-term to long-term loans. Data is provided for ruble loans with various time intervals, including demand loans and loans for terms of 31 to 90 days
What is visible in these numbers
Five highest values: With maturity / In rubles — from 31 to 90 days / 12.… (42.2), With maturity / In rubles — up to 30 days, including ‘o… (34.7), With maturity / In rubles — up to 1 year, including ‘o… (32.7), With maturity / In rubles — from 91 to 180 days / 16… (27.9), With maturity / In rubles — from 1 year to 3 years / 1… (25.4). The gap between the highest and lowest is 15 times. The top five account for 36.7% of the total across all items
Observations are annual, the dataset contains 6 periods. Out of 150 possible values, 128 (85.3%) are filled. Some cells are empty — certain items were not observed in every period
Loan rate statistics for the 2019–2024 period are available for analyzing investment activity and the cost of debt capital. Information is updated annually. The data is useful for financial analysts, investors, and business representatives to assess current lending conditions in the Russian market
How it is calculated
Noted in the source itself: According to the Bank of Russia
1) По данным Банка России.
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