Data / MFI household loan balances / Euro area

MFI household loan balances in Euro area

MFI household loan balances in Euro area was €7 trillion in August 2026, according to the European Central Bank. That is up 3.1% from August 2025.

August 2026, EUR million7,004,783.81 Provisional
Change on August 2025+3.1%
Series high7,004,783.81August 2026
Series low2,290,037.79September 1997
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MFI household loan balances in Euro area, September 1997 to August 2026

2M3M4M5M6M7M8M1997-092001-112006-012010-032014-052018-072022-092026-082026-08: 7,004,783.81 EUR million2M4M6M8M1997-092007-052017-012026-082026-08: 7,004,783.81 EUR million
EUR million. Source: ECB, ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.
All 348 values
PeriodEUR million
2026-087,004,783.81 Provisional
2026-076,996,281.35
2026-066,969,907.58
2026-056,941,563.84
2026-046,924,859.44
2026-036,921,666.3
2026-026,900,413.47
2026-016,890,426.35
2025-126,861,448.63
2025-116,852,646.77
2025-106,825,551.67
2025-096,816,261.79
2025-086,792,544.29
2025-076,785,610.1
2025-066,772,843.16
2025-056,741,001.21
2025-046,727,112.75
2025-036,710,488.91
2025-026,695,810.23
2025-016,688,822.87
2024-126,686,775.39
2024-116,688,962.5
2024-106,667,881.88
2024-096,664,779.75
2024-086,653,316.03
2024-076,651,155.65
2024-066,648,356.64
2024-056,629,089.68
2024-046,628,969.35
2024-036,629,773.96
2024-026,621,780.31
2024-016,626,220.46
2023-126,655,118.44
2023-116,669,284.51
2023-106,651,212.79
2023-096,639,840
2023-086,635,014.73
2023-076,638,143.69
2023-066,642,748.93
2023-056,622,528.38
2023-046,652,508.93
2023-036,655,499.99
2023-026,646,853.15
2023-016,649,220.06
2022-126,639,554.9
2022-116,645,488.16
2022-106,628,950.47
2022-096,618,340.58
2022-086,597,064.55
2022-076,584,322.72
2022-066,561,060.33
2022-056,511,799.56
2022-046,477,675.25
2022-036,461,331.11
2022-026,430,528.79
2022-016,421,393.2
2021-126,380,384.07
2021-116,378,927.24
2021-106,344,176.09
2021-096,321,042.38
2021-086,298,213.32
2021-076,284,783.1
2021-066,261,421.82
2021-056,219,878.76
2021-046,194,846.78
2021-036,181,879.08
2021-026,154,610.77
2021-016,144,260.69
2020-126,139,464.83
2020-116,118,522.07
2020-106,095,716.78
2020-096,071,205.66
2020-086,032,208.56
2020-076,022,180.37
2020-066,001,120.03
2020-055,970,831.57
2020-045,949,196.93
2020-035,957,736.95
2020-025,966,456.25
2020-015,953,669.41
2019-125,937,541.84
2019-115,922,912.26
2019-105,900,086.08
2019-095,882,371.98
2019-085,864,622.73
2019-075,849,699.49
2019-065,830,655.07
2019-055,798,097.07
2019-045,790,202.38
2019-035,776,656.47
2019-025,756,134.96
2019-015,752,209.17
2018-125,747,439.93
2018-115,741,969.25
2018-105,721,783.2
2018-095,706,260.01
2018-085,694,253.5
2018-075,681,438.61
2018-065,665,465.97
2018-055,641,917.61
2018-045,635,382.65
2018-035,622,969.87
2018-025,602,563.68
2018-015,598,635.5
2017-125,603,941.91
2017-115,592,381.62
2017-105,571,959.55
2017-095,561,927.36
2017-085,542,166
2017-075,524,825.74
2017-065,527,331.53
2017-055,501,345.28
2017-045,495,572.16
2017-035,486,443.77
2017-025,469,159.48
2017-015,454,299.6
2016-125,453,739.62
2016-115,416,312.74
2016-105,392,658.26
2016-095,384,659.13
2016-085,365,627.28
2016-075,358,768.97
2016-065,353,310.32
2016-055,339,690.72
2016-045,337,572.58
2016-035,330,804.01
2016-025,320,683.88
2016-015,308,649.95
2015-125,315,531.78
2015-115,319,384.07
2015-105,306,662.38
2015-095,282,756.24
2015-085,268,927.85
2015-075,266,022.35
2015-065,264,252.36
2015-055,236,970.7
2015-045,230,512.2
2015-035,228,147.1
2015-025,214,073.36
2015-015,221,632.85
2014-125,209,813.32
2014-115,203,043.44
2014-105,199,790.82
2014-095,196,897.26
2014-085,189,714.56
2014-075,193,110.5
2014-065,195,484.6
2014-055,183,110.59
2014-045,226,963.5
2014-035,223,600.18
2014-025,220,571.59
2014-015,224,577.21
2013-125,229,703.51
2013-115,234,975.82
2013-105,232,997.63
2013-095,237,023.66
2013-085,229,013.45
2013-075,233,096.03
2013-065,243,035.75
2013-055,232,788.36
2013-045,238,155.1
2013-035,239,858.63
2013-025,238,120.74
2013-015,241,945.48
2012-125,251,462.63
2012-115,252,657.9
2012-105,244,414.01
2012-095,245,058.75
2012-085,242,705.11
2012-075,245,781.69
2012-065,256,190.8
2012-055,239,123.4
2012-045,233,429.04
2012-035,231,044.06
2012-025,227,598
2012-015,236,252.15
2011-125,242,755.44
2011-115,242,808.17
2011-105,233,048.19
2011-095,274,805.01
2011-085,263,955.97
2011-075,262,164.52
2011-065,266,111.47
2011-055,242,833.35
2011-045,225,525.82
2011-035,217,598.93
2011-025,185,218.23
2011-015,182,296.48
2010-125,167,764.48
2010-115,148,500.4
2010-105,128,618.17
2010-095,113,465.04
2010-085,105,620.7
2010-075,094,589.62
2010-065,091,841.95
2010-055,000,987.76
2010-044,985,222.98
2010-034,977,940.19
2010-024,964,410.72
2010-014,959,372.89
2009-124,960,320.17
2009-114,943,705.28
2009-104,926,054.94
2009-094,920,839.09
2009-084,905,423.84
2009-074,906,986.08
2009-064,903,694.42
2009-054,882,349.39
2009-044,878,947.37
2009-034,883,319.2
2009-024,891,825.99
2009-014,897,475.01
2008-124,893,046.17
2008-114,918,739.56
2008-104,930,757.48
2008-094,931,079.94
2008-084,905,475.48
2008-074,896,538.85
2008-064,880,869.1
2008-054,877,003.91
2008-044,863,323.47
2008-034,855,386.02
2008-024,845,997.57
2008-014,828,018.99
2007-124,801,049.82
2007-114,787,640.58
2007-104,761,434.56
2007-094,742,255.7
2007-084,720,284.42
2007-074,705,871.28
2007-064,681,442.18
2007-054,646,705.37
2007-044,618,457.29
2007-034,603,350.73
2007-024,569,467.25
2007-014,547,712.8
2006-124,529,076
2006-114,503,654
2006-104,471,755
2006-094,452,012
2006-084,420,694
2006-074,407,752
2006-064,377,098
2006-054,333,856
2006-044,300,719
2006-034,271,309
2006-024,232,383
2006-014,212,966
2005-124,187,321
2005-114,160,587
2005-104,130,076
2005-094,089,193
2005-084,057,992
2005-074,034,608
2005-064,001,021
2005-053,919,476
2005-043,887,801
2005-033,860,431
2005-023,838,146
2005-013,823,117
2004-123,808,411
2004-113,781,526
2004-103,758,072
2004-093,735,725
2004-083,707,194
2004-073,690,896
2004-063,663,130
2004-053,610,616
2004-043,589,506
2004-033,564,681
2004-023,539,546
2004-013,525,878
2003-123,520,572
2003-113,497,380
2003-103,482,382
2003-093,463,826
2003-083,446,874
2003-073,434,903
2003-063,410,955
2003-053,387,974
2003-043,371,763
2003-033,358,433
2003-023,344,969
2003-013,328,858
2002-123,327,065.74 Estimated
2002-113,310,020.13 Estimated
2002-103,296,088.5 Estimated
2002-093,282,845.05 Estimated
2002-083,262,898.99 Estimated
2002-073,249,211.77 Estimated
2002-063,237,240 Estimated
2002-053,215,169.27 Estimated
2002-043,200,240.29 Estimated
2002-033,174,732.78 Estimated
2002-023,160,776.52 Estimated
2002-013,156,148.99 Estimated
2001-123,146,163 Estimated
2001-113,140,685.12 Estimated
2001-103,127,929.29 Estimated
2001-093,108,211 Estimated
2001-083,090,099.84 Estimated
2001-073,085,449.22 Estimated
2001-063,074,151 Estimated
2001-053,057,937.99 Estimated
2001-043,043,976.21 Estimated
2001-033,023,970.46 Estimated
2001-023,006,087.63 Estimated
2001-013,002,219.5 Estimated
2000-122,977,610.45 Estimated
2000-112,956,308.68 Estimated
2000-102,946,664.02 Estimated
2000-092,925,449.29 Estimated
2000-082,880,876.27 Estimated
2000-072,872,295.3 Estimated
2000-062,862,438 Estimated
2000-052,840,517.1 Estimated
2000-042,826,680.96 Estimated
2000-032,809,336 Estimated
2000-022,783,711.28 Estimated
2000-012,772,202.33 Estimated
1999-122,760,806 Estimated
1999-112,738,647.62 Estimated
1999-102,717,450.01 Estimated
1999-092,697,034.66 Estimated
1999-082,671,698.6 Estimated
1999-072,661,298.36 Estimated
1999-062,637,567 Estimated
1999-052,605,182.98 Estimated
1999-042,582,337.28 Estimated
1999-032,568,395.76 Estimated
1999-022,549,797.5 Estimated
1999-012,546,400.48 Estimated
1998-122,528,559.27 Estimated
1998-112,501,105.92 Estimated
1998-102,483,863.23 Estimated
1998-092,465,214.4 Estimated
1998-082,443,776.83 Estimated
1998-072,435,328.77 Estimated
1998-062,419,344.38 Estimated
1998-052,397,512.84 Estimated
1998-042,384,935.76 Estimated
1998-032,363,025.74 Estimated
1998-022,350,350.35 Estimated
1998-012,341,718.95 Estimated
1997-122,337,206.22 Estimated
1997-112,315,489.47 Estimated
1997-102,305,789.92 Estimated
1997-092,290,037.79 Estimated

Rankings

Definition

End-of-month stock of loans from resident MFIs excluding central banks to households and non-profit institutions serving 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 household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.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.A20.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 household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E) (MFI household 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.A20.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E), MFI household 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.A20.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/en/mfi-household-loan-balances/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). MFI household 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.A20.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/en/mfi-household-loan-balances/euro-area.

Harvard

European Central Bank (no date) ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E), MFI household 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.A20.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/en/mfi-household-loan-balances/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_mfi_household_loan_balances_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E): MFI household 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.A20.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/mfi-household-loan-balances/euro-area. Publisher attribution: European Central Bank. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.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.A20.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E): MFI household 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.A20.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/en/mfi-household-loan-balances/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/mfi-household-loan-balances/euro-area.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.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.A20.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Questions

What is the MFI household loan balances in Euro area?

MFI household loan balances in Euro area was €7 trillion in August 2026, according to the European Central Bank. That is up 3.1% from August 2025.

Where does this figure come from?

European Central Bank. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). Retrieved by Invokely on 2026-10-12.

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

€7 trillion in August 2026, the highest value since September 1997 in this series.

Related statistics for Euro area

All statistics for Euro area