Data / Rankings / MFI consumer loan balances / EU countries

EU countries by MFI consumer loan balances, August 2026

France had the highest MFI consumer loan balances of 21 EU countries in August 2026, at €206.59 billion. Estonia had the lowest, at €868 million. The median was €8.75 billion. Source: the European Central Bank.

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Highest206,593France
Lowest868Estonia
Median8,75121 EU countries

Map of EU countries, August 2026

Austria: 19,389 EUR millionBelgium: 10,755 EUR millionBulgaria: 12,956.81 EUR millionCyprus: 1,233 EUR millionGermany: 206,111 EUR millionEstonia: 868 EUR millionSpain: 120,002 EUR millionFinland: 17,520 EUR millionFrance: 206,593 EUR millionGreece: 8,751 EUR millionCroatia: 1,381 EUR millionIreland: 14,770 EUR millionItaly: 135,217 EUR millionLithuania: 4,451 EUR millionLuxembourg: 8,748 EUR millionLatvia: 1,122 EUR millionMalta: 1,042.59 EUR millionNetherlands: 6,966 EUR millionPortugal: 22,742.9 EUR millionSlovenia: 3,876.41 EUR millionSlovakia: 7,262.94 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 13K
  • 13K to 23K
  • 23K and over
  • No data
EUR million, August 2026. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI consumer loan balances, unadjusted end-period stock (M.<area>.N.A.A21.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, August 2026

France: 206,593 EUR millionFrance206,593Germany: 206,111 EUR millionGermany206,111Italy: 135,217 EUR millionItaly135,217Spain: 120,002 EUR millionSpain120,002Portugal: 22,742.9 EUR millionPortugal22,742.9Austria: 19,389 EUR millionAustria19,389Finland: 17,520 EUR millionFinland17,520Ireland: 14,770 EUR millionIreland14,770Bulgaria: 12,956.81 EUR millionBulgaria12,956.81Belgium: 10,755 EUR millionBelgium10,755Greece: 8,751 EUR millionGreece8,751Luxembourg: 8,748 EUR millionLuxembourg8,748Slovakia: 7,262.94 EUR millionSlovakia7,262.94Netherlands: 6,966 EUR millionNetherlands6,966Lithuania: 4,451 EUR millionLithuania4,451Slovenia: 3,876.41 EUR millionSlovenia3,876.41Croatia: 1,381 EUR millionCroatia1,381Cyprus: 1,233 EUR millionCyprus1,233Latvia: 1,122 EUR millionLatvia1,122Malta: 1,042.59 EUR millionMalta1,042.59Estonia: 868 EUR millionEstonia868France: 206,593 EUR millionFrance206,593Germany: 206,111 EUR millionGermany206,111Italy: 135,217 EUR millionItaly135,217Spain: 120,002 EUR millionSpain120,002Portugal: 22,742.9 EUR millionPortugal22,742.9Austria: 19,389 EUR millionAustria19,389Finland: 17,520 EUR millionFinland17,520Ireland: 14,770 EUR millionIreland14,770Bulgaria: 12,956.81 EUR millionBulgaria12,956.81Belgium: 10,755 EUR millionBelgium10,755Greece: 8,751 EUR millionGreece8,751Luxembourg: 8,748 EUR millionLuxembourg8,748Slovakia: 7,262.94 EUR millionSlovakia7,262.94Netherlands: 6,966 EUR millionNetherlands6,966Lithuania: 4,451 EUR millionLithuania4,451Slovenia: 3,876.41 EUR millionSlovenia3,876.41Croatia: 1,381 EUR millionCroatia1,381Cyprus: 1,233 EUR millionCyprus1,233Latvia: 1,122 EUR millionLatvia1,122Malta: 1,042.59 EUR millionMalta1,042.59Estonia: 868 EUR millionEstonia868
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.

Full ranking

RankEU countriesAugust 2026
EUR million		Change on August 2025
1France Provisional206,593+2.9%
2Germany Provisional206,111+1.9%
3Italy Provisional135,217+4.8%
4Spain Provisional120,002+11.6%
5Portugal Provisional22,742.9+8.9%
6Austria Provisional19,389+3.9%
7Finland Provisional17,520-0.7%
8Ireland Provisional14,770+5.2%
9Bulgaria Provisional12,956.81+15%
10Belgium Provisional10,755+2.8%
11Greece Provisional8,751+0.3%
12Luxembourg Provisional8,748+15.4%
13Slovakia Provisional7,262.94+5.4%
14Netherlands Provisional6,966-8.5%
15Lithuania Provisional4,451+59.5%
16Slovenia Provisional3,876.41+8.8%
17Croatia Provisional1,381+4.9%
18Cyprus Provisional1,233-1.3%
19Latvia Provisional1,122+29.3%
20Malta Provisional1,042.59+10.4%
21Estonia Provisional868+6.5%

Other periods

About this ranking

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.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

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

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

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) (EU countries by MFI consumer loan balances, 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), EU countries by MFI consumer loan balances, 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/rankings/mfi-consumer-loan-balances/eu-countries. 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). EU countries by MFI consumer loan balances, 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/rankings/mfi-consumer-loan-balances/eu-countries.

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), EU countries by MFI consumer loan balances, 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/rankings/mfi-consumer-loan-balances/eu-countries (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_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): EU countries by MFI consumer loan balances, 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/rankings/mfi-consumer-loan-balances/eu-countries. 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): EU countries by MFI consumer loan balances, 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/rankings/mfi-consumer-loan-balances/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries.
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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Rank EU countries by MFI consumer loan balances using official data, and cite the source.
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Questions

Which EU country has the highest MFI consumer loan balances?

France, with €206.59 billion in August 2026, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €868 million in August 2026.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: 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 2026-10-12.

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