Data / Rankings / MFI consumer loan balances / EU countries

EU countries by MFI consumer loan balances

France had the highest MFI consumer loan balances of 21 EU countries in October 2025, at €203.81 billion. Estonia had the lowest, at €812 million. The median was €8.77 billion. Source: the European Central Bank.

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Highest203,805France
Lowest812Estonia
Median8,76621 EU countries

Map of EU countries, October 2025

Austria: 18,548 EUR millionBelgium: 10,511 EUR millionBulgaria: 11,481.85 EUR millionCyprus: 1,224 EUR millionGermany: 203,170 EUR millionEstonia: 812 EUR millionSpain: 110,969 EUR millionFinland: 17,602 EUR millionFrance: 203,805 EUR millionGreece: 8,766 EUR millionCroatia: 1,353 EUR millionIreland: 14,252 EUR millionItaly: 130,469 EUR millionLithuania: 3,030 EUR millionLuxembourg: 7,714 EUR millionLatvia: 983 EUR millionMalta: 952.1 EUR millionNetherlands: 7,477 EUR millionPortugal: 21,091.5 EUR millionSlovenia: 3,628.96 EUR millionSlovakia: 6,965.29 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 11K
  • 11K to 21K
  • 21K and over
  • No data
EUR million, October 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, October 2025

France: 203,805 EUR millionFrance203,805Germany: 203,170 EUR millionGermany203,170Italy: 130,469 EUR millionItaly130,469Spain: 110,969 EUR millionSpain110,969Portugal: 21,091.5 EUR millionPortugal21,091.5Austria: 18,548 EUR millionAustria18,548Finland: 17,602 EUR millionFinland17,602Ireland: 14,252 EUR millionIreland14,252Bulgaria: 11,481.85 EUR millionBulgaria11,481.85Belgium: 10,511 EUR millionBelgium10,511Greece: 8,766 EUR millionGreece8,766Luxembourg: 7,714 EUR millionLuxembourg7,714Netherlands: 7,477 EUR millionNetherlands7,477Slovakia: 6,965.29 EUR millionSlovakia6,965.29Slovenia: 3,628.96 EUR millionSlovenia3,628.96Lithuania: 3,030 EUR millionLithuania3,030Croatia: 1,353 EUR millionCroatia1,353Cyprus: 1,224 EUR millionCyprus1,224Latvia: 983 EUR millionLatvia983Malta: 952.1 EUR millionMalta952.1Estonia: 812 EUR millionEstonia812France: 203,805 EUR millionFrance203,805Germany: 203,170 EUR millionGermany203,170Italy: 130,469 EUR millionItaly130,469Spain: 110,969 EUR millionSpain110,969Portugal: 21,091.5 EUR millionPortugal21,091.5Austria: 18,548 EUR millionAustria18,548Finland: 17,602 EUR millionFinland17,602Ireland: 14,252 EUR millionIreland14,252Bulgaria: 11,481.85 EUR millionBulgaria11,481.85Belgium: 10,511 EUR millionBelgium10,511Greece: 8,766 EUR millionGreece8,766Luxembourg: 7,714 EUR millionLuxembourg7,714Netherlands: 7,477 EUR millionNetherlands7,477Slovakia: 6,965.29 EUR millionSlovakia6,965.29Slovenia: 3,628.96 EUR millionSlovenia3,628.96Lithuania: 3,030 EUR millionLithuania3,030Croatia: 1,353 EUR millionCroatia1,353Cyprus: 1,224 EUR millionCyprus1,224Latvia: 983 EUR millionLatvia983Malta: 952.1 EUR millionMalta952.1Estonia: 812 EUR millionEstonia812
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 countriesOctober 2025
EUR million		Change on October 2024
1France203,805+2.3%
2Germany203,170+2.2%
3Italy130,469+4.2%
4Spain110,969+9.8%
5Portugal21,091.5+6.2%
6Austria18,548+4.6%
7Finland17,602-1.8%
8Ireland14,252+10.2%
9Bulgaria11,481.85+12.6%
10Belgium10,511-11.2%
11Greece8,766+0.6%
12Luxembourg7,714+21.9%
13Netherlands7,477-5.9%
14Slovakia6,965.29+6.2%
15Slovenia3,628.96+10.1%
16Lithuania3,030+62.3%
17Croatia1,353-0.3%
18Cyprus1,224-1.2%
19Latvia983+24.3%
20Malta952.1+9.7%
21Estonia812+0.1%

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, 2025-10) [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, 2025-10. 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=2025-10. 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, 2025-10. 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=2025-10.

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

Which EU country has the highest MFI consumer loan balances?

France, with €203.81 billion in October 2025, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €812 million in October 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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