Data / MFI consumer loan balances / Euro area

MFI consumer loan balances in Euro area

MFI consumer loan balances in Euro area was €811.76 billion in August 2026, according to the European Central Bank. That is up 6.3% from August 2025.

August 2026, EUR million811,758.65 Provisional
Change on August 2025+6.3%
Series high811,758.65August 2026
Series low359,891.93September 1997
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MFI consumer loan balances in Euro area, September 1997 to August 2026

300K400K500K600K700K800K900K1997-092001-112006-012010-032014-052018-072022-092026-082026-08: 811,758.65 EUR million200K400K600K800K1M1997-092007-052017-012026-082026-08: 811,758.65 EUR million
EUR million. Source: ECB, ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.
All 348 values
PeriodEUR million
2026-08811,758.65 Provisional
2026-07811,497.71
2026-06805,957.34
2026-05798,826.19
2026-04797,048.01
2026-03795,322.11
2026-02785,497.81
2026-01785,983.46
2025-12779,289.25
2025-11775,056.84
2025-10773,322.85
2025-09769,399.89
2025-08763,537.53
2025-07764,245.49
2025-06759,229.87
2025-05752,589.6
2025-04751,732.14
2025-03748,737.56
2025-02741,603.28
2025-01743,703.21
2024-12747,113.97
2024-11742,727.9
2024-10744,270.23
2024-09744,066.28
2024-08742,625.56
2024-07743,551.72
2024-06737,902.72
2024-05738,222.19
2024-04737,290.06
2024-03735,153.25
2024-02729,168.24
2024-01729,755.72
2023-12731,155.98
2023-11731,778.14
2023-10731,736.62
2023-09730,623.21
2023-08729,032.86
2023-07729,050.25
2023-06725,886.91
2023-05722,647.75
2023-04718,889.16
2023-03718,604.9
2023-02714,834.99
2023-01715,628.98
2022-12716,310.85
2022-11716,325.16
2022-10715,341.88
2022-09713,231.3
2022-08710,884.65
2022-07711,540.6
2022-06709,544.12
2022-05703,024.7
2022-04698,588.06
2022-03696,768.71
2022-02693,434.58
2022-01693,266.53
2021-12697,579.87
2021-11701,277.07
2021-10697,133.76
2021-09696,021.44
2021-08695,418.45
2021-07696,824.34
2021-06694,608.86
2021-05689,197.08
2021-04687,652.85
2021-03692,410.59
2021-02689,531.5
2021-01691,855.52
2020-12700,109.19
2020-11700,049.86
2020-10702,829.12
2020-09701,202.39
2020-08701,307.91
2020-07705,315.42
2020-06701,911.2
2020-05694,343.7
2020-04697,032.42
2020-03711,595.45
2020-02719,211.99
2020-01719,556.89
2019-12719,732.61
2019-11714,724.07
2019-10712,935.32
2019-09710,300.13
2019-08708,482.74
2019-07708,297.82
2019-06703,154.7
2019-05697,428.25
2019-04691,944.18
2019-03687,746.04
2019-02681,755.16
2019-01682,472.65
2018-12682,154.14
2018-11683,670.18
2018-10681,233.01
2018-09675,484.54
2018-08675,065.03
2018-07674,119.9
2018-06669,291.19
2018-05665,622.59
2018-04664,308.45
2018-03658,531.7
2018-02657,085.46
2018-01657,130.88
2017-12654,961.72
2017-11652,210.78
2017-10649,521.92
2017-09646,229.97
2017-08643,108.78
2017-07641,715.05
2017-06637,618.11
2017-05633,873.63
2017-04628,342.08
2017-03625,667.99
2017-02618,676.43
2017-01618,278.26
2016-12617,712.9
2016-11613,471.7
2016-10612,489.21
2016-09609,290.61
2016-08606,864.5
2016-07605,146.16
2016-06605,505.17
2016-05599,708.14
2016-04602,777.95
2016-03600,692.67
2016-02596,077.59
2016-01594,746.29
2015-12597,677.42
2015-11596,043.23
2015-10595,770.05
2015-09583,978.89
2015-08581,406.99
2015-07581,413.49
2015-06581,352.79
2015-05567,815.68
2015-04566,636.89
2015-03566,119.37
2015-02561,659.45
2015-01566,395.8
2014-12565,886.67
2014-11566,080.94
2014-10569,336.76
2014-09568,483.7
2014-08566,595.96
2014-07572,724.72
2014-06572,766.39
2014-05567,482.4
2014-04570,012.97
2014-03570,152.86
2014-02567,907.35
2014-01571,382.88
2013-12575,762.06
2013-11573,055.04
2013-10576,417.74
2013-09583,016.55
2013-08586,225.12
2013-07589,625.36
2013-06589,524.21
2013-05590,228.24
2013-04591,096.78
2013-03590,919.02
2013-02592,318.97
2013-01598,062.59
2012-12604,305.17
2012-11599,834.02
2012-10603,568.77
2012-09604,904.27
2012-08607,329.56
2012-07611,251.89
2012-06617,067.46
2012-05618,652.04
2012-04617,858.8
2012-03617,631.51
2012-02618,819.71
2012-01624,004.74
2011-12628,456.14
2011-11626,992.28
2011-10628,961.11
2011-09629,592.27
2011-08630,641.81
2011-07629,449.89
2011-06632,902.06
2011-05633,161.43
2011-04635,186.76
2011-03633,703.87
2011-02630,656.63
2011-01633,843.45
2010-12640,742.31
2010-11642,114.3
2010-10641,412.72
2010-09642,477.86
2010-08644,411.54
2010-07645,946.37
2010-06648,985.71
2010-05622,035.03
2010-04622,493.36
2010-03621,353.83
2010-02620,755.8
2010-01625,088.12
2009-12633,613.65
2009-11630,288.06
2009-10631,434.02
2009-09633,215.69
2009-08632,639.42
2009-07637,380.75
2009-06640,486.73
2009-05633,687.15
2009-04634,736.14
2009-03639,053.74
2009-02636,544.66
2009-01638,789.92
2008-12634,487.56
2008-11635,737.1
2008-10640,464.53
2008-09639,961.56
2008-08636,349.25
2008-07639,115.71
2008-06638,293.19
2008-05630,930.14
2008-04630,188.41
2008-03626,319.56
2008-02621,312.58
2008-01620,740.26
2007-12620,254.38
2007-11615,413.75
2007-10614,816.27
2007-09608,859
2007-08607,502.66
2007-07607,910.68
2007-06603,712.41
2007-05596,937.32
2007-04594,911.91
2007-03591,534.41
2007-02586,666.4
2007-01588,427.79
2006-12588,130
2006-11586,847
2006-10585,945
2006-09584,383
2006-08581,511
2006-07581,023
2006-06577,586
2006-05570,326
2006-04562,757
2006-03558,440
2006-02557,288
2006-01555,994
2005-12555,535
2005-11551,603
2005-10550,282
2005-09546,215
2005-08542,040
2005-07540,558
2005-06538,743
2005-05527,479
2005-04522,923
2005-03519,304
2005-02514,788
2005-01515,108
2004-12515,442
2004-11509,874
2004-10509,318
2004-09507,511
2004-08504,824
2004-07503,950
2004-06502,197
2004-05489,732
2004-04489,339
2004-03484,545
2004-02481,419
2004-01481,240
2003-12484,489
2003-11479,003
2003-10481,195
2003-09477,880
2003-08487,105
2003-07503,553
2003-06501,875
2003-05494,748
2003-04493,993
2003-03494,647
2003-02485,708
2003-01490,424
2002-12518,853.49 Estimated
2002-11513,680.3 Estimated
2002-10513,705.62 Estimated
2002-09513,200.02 Estimated
2002-08509,753.87 Estimated
2002-07508,047.6 Estimated
2002-06505,640.37 Estimated
2002-05504,629.54 Estimated
2002-04502,660.53 Estimated
2002-03496,941.24 Estimated
2002-02495,672.77 Estimated
2002-01496,374.91 Estimated
2001-12497,076 Estimated
2001-11495,925.88 Estimated
2001-10494,112.17 Estimated
2001-09491,011.76 Estimated
2001-08488,201.79 Estimated
2001-07489,617.56 Estimated
2001-06486,977.29 Estimated
2001-05485,212.33 Estimated
2001-04482,099.89 Estimated
2001-03477,814.86 Estimated
2001-02477,914.63 Estimated
2001-01478,466.45 Estimated
2000-12475,219.17 Estimated
2000-11471,715.45 Estimated
2000-10470,791.14 Estimated
2000-09469,264.03 Estimated
2000-08462,866.27 Estimated
2000-07460,219.91 Estimated
2000-06456,563 Estimated
2000-05453,861.55 Estimated
2000-04451,757.19 Estimated
2000-03448,524 Estimated
2000-02444,176.47 Estimated
2000-01442,022.01 Estimated
1999-12439,844.43 Estimated
1999-11439,111.83 Estimated
1999-10438,146.24 Estimated
1999-09439,642.92 Estimated
1999-08436,348.19 Estimated
1999-07435,414.49 Estimated
1999-06432,830.2 Estimated
1999-05429,320.82 Estimated
1999-04425,977.64 Estimated
1999-03424,107.56 Estimated
1999-02418,987.94 Estimated
1999-01414,705.34 Estimated
1998-12400,168.49 Estimated
1998-11395,781.11 Estimated
1998-10393,998.84 Estimated
1998-09388,405.57 Estimated
1998-08386,097.53 Estimated
1998-07382,871.12 Estimated
1998-06379,079.22 Estimated
1998-05374,251.08 Estimated
1998-04372,687.63 Estimated
1998-03369,936 Estimated
1998-02368,389.92 Estimated
1998-01367,733.95 Estimated
1997-12367,721.74 Estimated
1997-11365,447.03 Estimated
1997-10365,774.67 Estimated
1997-09359,891.93 Estimated

Rankings

Definition

End-of-month stock of consumer credit from resident MFIs excluding central banks to households resident in the euro area, in EUR millions.

Loan stocks are outstanding balances, rather than new lending or transaction flows. They differ from ECB adjusted loan series, which account for loan transfers and notional cash pooling. End-of-month balances, neither seasonally nor working-day adjusted. The country identifies the reporting monetary financial institutions (MFIs), excluding central banks; borrowers or depositors reside anywhere in the euro area. These are not balances of domestic residents only. Households include non-profit institutions serving households. All currencies are combined and reported in EUR millions. The euro area has changing membership; histories vary and missing values are not filled.

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How to cite

European Central Bank. ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.

Citation styles

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APA 7

European Central Bank. (n.d.). ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E) (MFI consumer loan balances, Euro area, 1997-09 to 2026-08) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E), MFI consumer loan balances, Euro area, 1997-09 to 2026-08. European Central Bank, https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/en/mfi-consumer-loan-balances/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). MFI consumer loan balances, Euro area, 1997-09 to 2026-08. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/en/mfi-consumer-loan-balances/euro-area.

Harvard

European Central Bank (no date) ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E), MFI consumer loan balances, Euro area, 1997-09 to 2026-08 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/en/mfi-consumer-loan-balances/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_mfi_consumer_loan_balances_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E): MFI consumer loan balances, Euro area, 1997-09 to 2026-08}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/mfi-consumer-loan-balances/euro-area. Publisher attribution: European Central Bank. ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E): MFI consumer loan balances, Euro area, 1997-09 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/en/mfi-consumer-loan-balances/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/mfi-consumer-loan-balances/euro-area.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A21.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Questions

What is the MFI consumer loan balances in Euro area?

MFI consumer loan balances in Euro area was €811.76 billion in August 2026, according to the European Central Bank. That is up 6.3% from August 2025.

Where does this figure come from?

European Central Bank. ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). Retrieved by Invokely on 2026-10-12.

What was the highest MFI consumer loan balances in Euro area?

€811.76 billion in August 2026, the highest value since September 1997 in this series.

Related statistics for Euro area

All statistics for Euro area