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Pensioner — Deposits — Vtb — Industry — Average — Finance — 2025 — Personal-finance

Every older individual on a fixed income regularly saves their funds in deposit and savings accounts.

Nearly six out of ten retirement-aged individuals maintain deposit and savings accounts with VTB, according to their statistics. Around a fourth of these senior citizens opt for deposit accounts as their primary method of saving and growth, while approximately four in ten of these age group...

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Every older individual on a fixed income regularly saves their funds in deposit and savings accounts.

First off, let's dive into the savings habits of our senior folks, especially when it comes to VTB Bank. Here's the skinny: Over half of VTB's elderly clientele have deposits and savings accounts knocking around. A whopping 25% of these pensioners are all about those deposits, viewing them as a top pick for saving and growing their hard-earned cash. If you're wondering about the fondness for savings accounts, approximately 43% of pension-aged VTB clients went for those instead.

Now, here's where it gets interesting. While there's a current preference for short-term deposits running no longer than three months, pensioners seem to have a penchant for long-term (3-6 months) deposits. Over 90% of VTB's pensioners opted for these long-term nest eggs. A smidgen under 6% showed a preference for deposits with terms of 1-2 years. During 2024, the average deposit size saw a rise of around 10%, hitting 705,000 rubles, while the average amount on savings accounts for these senior savers reached 214,000 rubles by the end of the year - a 7% upward move.

Now, you might be thinking, "How do these pensioners prefer to handle their savings business?" Well, here's the kicker: The majority of them choose to do it offline, with 78% of senior clients arranging their savings products at bank branches. Oh, and get this: The number of 60+ clients stepping into branches to set up their savings has surged by 70%!

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  1. In the realm of personal-finance and banking-and-insurance, nearly 60% of VTB's pensioner clients hold deposits and savings accounts.
  2. Among these elderly savers, a significant 25% prioritize deposits as their preferred method for saving and growing their money.
  3. When it comes to the timeframe of their deposits, over 90% of VTB's pensioners choose longer-term options, with most opting for deposits that last between 3-6 months.
  4. By the end of 2024, the average deposit size for these senior savers with VTB Bank grew by approximately 10%, reaching 705,000 rubles, while the average savings account balance rose by 7%, hitting 214,000 rubles.
  5. Contrary to a potential shift towards online banking, the majority of VTB's pensioner clients still prefer to manage their savings products in-person, with 78% arranging and setting up their savings at bank branches.
More than half of retirees hold deposit and savings accounts with VTB, bank data shows. A sizeable portion of pensioners favor deposit as their primary means of safeguarding and growing their savings, while approximately four in ten senior clients opt for savings accounts, according to VTB's press service.

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