Data / Rankings / MFI consumer loan balances / EU countries

EU countries by MFI consumer loan balances

Germany had the highest MFI consumer loan balances of 21 EU countries in September 2025, at €203.27 billion. Estonia had the lowest, at €811 million. The median was €8.8 billion. Source: the European Central Bank.

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Highest203,273Germany
Lowest811Estonia
Median8,80421 EU countries

Map of EU countries, September 2025

Austria: 18,854 EUR millionBelgium: 10,486 EUR millionBulgaria: 11,382.21 EUR millionCyprus: 1,260 EUR millionGermany: 203,273 EUR millionEstonia: 811 EUR millionSpain: 109,399 EUR millionFinland: 17,603 EUR millionFrance: 202,449 EUR millionGreece: 8,804 EUR millionCroatia: 1,332 EUR millionIreland: 14,139 EUR millionItaly: 129,642 EUR millionLithuania: 2,916 EUR millionLuxembourg: 7,458 EUR millionLatvia: 881 EUR millionMalta: 948.35 EUR millionNetherlands: 7,592 EUR millionPortugal: 21,023.47 EUR millionSlovenia: 3,597.29 EUR millionSlovakia: 6,931.79 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 11K
  • 11K to 21K
  • 21K and over
  • No data
EUR million, September 2025. 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, September 2025

Germany: 203,273 EUR millionGermany203,273France: 202,449 EUR millionFrance202,449Italy: 129,642 EUR millionItaly129,642Spain: 109,399 EUR millionSpain109,399Portugal: 21,023.47 EUR millionPortugal21,023.47Austria: 18,854 EUR millionAustria18,854Finland: 17,603 EUR millionFinland17,603Ireland: 14,139 EUR millionIreland14,139Bulgaria: 11,382.21 EUR millionBulgaria11,382.21Belgium: 10,486 EUR millionBelgium10,486Greece: 8,804 EUR millionGreece8,804Netherlands: 7,592 EUR millionNetherlands7,592Luxembourg: 7,458 EUR millionLuxembourg7,458Slovakia: 6,931.79 EUR millionSlovakia6,931.79Slovenia: 3,597.29 EUR millionSlovenia3,597.29Lithuania: 2,916 EUR millionLithuania2,916Croatia: 1,332 EUR millionCroatia1,332Cyprus: 1,260 EUR millionCyprus1,260Malta: 948.35 EUR millionMalta948.35Latvia: 881 EUR millionLatvia881Estonia: 811 EUR millionEstonia811Germany: 203,273 EUR millionGermany203,273France: 202,449 EUR millionFrance202,449Italy: 129,642 EUR millionItaly129,642Spain: 109,399 EUR millionSpain109,399Portugal: 21,023.47 EUR millionPortugal21,023.47Austria: 18,854 EUR millionAustria18,854Finland: 17,603 EUR millionFinland17,603Ireland: 14,139 EUR millionIreland14,139Bulgaria: 11,382.21 EUR millionBulgaria11,382.21Belgium: 10,486 EUR millionBelgium10,486Greece: 8,804 EUR millionGreece8,804Netherlands: 7,592 EUR millionNetherlands7,592Luxembourg: 7,458 EUR millionLuxembourg7,458Slovakia: 6,931.79 EUR millionSlovakia6,931.79Slovenia: 3,597.29 EUR millionSlovenia3,597.29Lithuania: 2,916 EUR millionLithuania2,916Croatia: 1,332 EUR millionCroatia1,332Cyprus: 1,260 EUR millionCyprus1,260Malta: 948.35 EUR millionMalta948.35Latvia: 881 EUR millionLatvia881Estonia: 811 EUR millionEstonia811
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 countriesSeptember 2025
EUR million		Change on September 2024
1Germany203,273+0.5%
2France202,449+2.6%
3Italy129,642+4.2%
4Spain109,399+9.3%
5Portugal21,023.47+5.7%
6Austria18,854+5.1%
7Finland17,603-1.4%
8Ireland14,139+10.1%
9Bulgaria11,382.21+12.7%
10Belgium10,486-11%
11Greece8,804+0.9%
12Netherlands7,592-5.4%
13Luxembourg7,458+14.4%
14Slovakia6,931.79+6.2%
15Slovenia3,597.29+10.4%
16Lithuania2,916+67%
17Croatia1,332+12.9%
18Cyprus1,260+2.4%
19Malta948.35+9.5%
20Latvia881+12.5%
21Estonia811+0.9%

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, 2025-09) [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, 2025-09. 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?period=2025-09. 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, 2025-09. 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?period=2025-09.

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, 2025-09 [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?period=2025-09 (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, 2025-09}},
  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?period=2025-09. 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, 2025-09
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?period=2025-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2025-09.
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?

Germany, with €203.27 billion in September 2025, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €811 million in September 2025.

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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