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 November 2025, at €204.09 billion. Estonia had the lowest, at €810 million. The median was €8.83 billion. Source: the European Central Bank.

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Highest204,085France
Lowest810Estonia
Median8,82621 EU countries

Map of EU countries, November 2025

Austria: 18,489 EUR millionBelgium: 10,503 EUR millionBulgaria: 11,568.54 EUR millionCyprus: 1,240 EUR millionGermany: 201,387 EUR millionEstonia: 810 EUR millionSpain: 112,634 EUR millionFinland: 17,634 EUR millionFrance: 204,085 EUR millionGreece: 8,826 EUR millionCroatia: 1,372 EUR millionIreland: 14,268 EUR millionItaly: 131,122 EUR millionLithuania: 3,125 EUR millionLuxembourg: 8,334 EUR millionLatvia: 990 EUR millionMalta: 973.35 EUR millionNetherlands: 7,503 EUR millionPortugal: 21,143.65 EUR millionSlovenia: 3,641.29 EUR millionSlovakia: 6,976.55 EUR million
  • Under 1,000
  • 1,000 to 8,000
  • 8,000 to 12K
  • 12K to 21K
  • 21K and over
  • No data
EUR million, November 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, November 2025

France: 204,085 EUR millionFrance204,085Germany: 201,387 EUR millionGermany201,387Italy: 131,122 EUR millionItaly131,122Spain: 112,634 EUR millionSpain112,634Portugal: 21,143.65 EUR millionPortugal21,143.65Austria: 18,489 EUR millionAustria18,489Finland: 17,634 EUR millionFinland17,634Ireland: 14,268 EUR millionIreland14,268Bulgaria: 11,568.54 EUR millionBulgaria11,568.54Belgium: 10,503 EUR millionBelgium10,503Greece: 8,826 EUR millionGreece8,826Luxembourg: 8,334 EUR millionLuxembourg8,334Netherlands: 7,503 EUR millionNetherlands7,503Slovakia: 6,976.55 EUR millionSlovakia6,976.55Slovenia: 3,641.29 EUR millionSlovenia3,641.29Lithuania: 3,125 EUR millionLithuania3,125Croatia: 1,372 EUR millionCroatia1,372Cyprus: 1,240 EUR millionCyprus1,240Latvia: 990 EUR millionLatvia990Malta: 973.35 EUR millionMalta973.35Estonia: 810 EUR millionEstonia810France: 204,085 EUR millionFrance204,085Germany: 201,387 EUR millionGermany201,387Italy: 131,122 EUR millionItaly131,122Spain: 112,634 EUR millionSpain112,634Portugal: 21,143.65 EUR millionPortugal21,143.65Austria: 18,489 EUR millionAustria18,489Finland: 17,634 EUR millionFinland17,634Ireland: 14,268 EUR millionIreland14,268Bulgaria: 11,568.54 EUR millionBulgaria11,568.54Belgium: 10,503 EUR millionBelgium10,503Greece: 8,826 EUR millionGreece8,826Luxembourg: 8,334 EUR millionLuxembourg8,334Netherlands: 7,503 EUR millionNetherlands7,503Slovakia: 6,976.55 EUR millionSlovakia6,976.55Slovenia: 3,641.29 EUR millionSlovenia3,641.29Lithuania: 3,125 EUR millionLithuania3,125Croatia: 1,372 EUR millionCroatia1,372Cyprus: 1,240 EUR millionCyprus1,240Latvia: 990 EUR millionLatvia990Malta: 973.35 EUR millionMalta973.35Estonia: 810 EUR millionEstonia810
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 countriesNovember 2025
EUR million		Change on November 2024
1France204,085+2.6%
2Germany201,387+2.6%
3Italy131,122+4.1%
4Spain112,634+10.9%
5Portugal21,143.65+5.4%
6Austria18,489+5.1%
7Finland17,634-1.2%
8Ireland14,268+10.1%
9Bulgaria11,568.54+12.5%
10Belgium10,503-6.3%
11Greece8,826+1.1%
12Luxembourg8,334+23.8%
13Netherlands7,503-5.7%
14Slovakia6,976.55+5.9%
15Slovenia3,641.29+9.6%
16Lithuania3,125+61.3%
17Croatia1,372+0.7%
18Cyprus1,240+0.2%
19Latvia990+24.4%
20Malta973.35+11.5%
21Estonia810-0.7%

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, 2025-11) [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, 2025-11. 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=2025-11. 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, 2025-11. 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=2025-11.

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, 2025-11 [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=2025-11 (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, 2025-11}},
  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=2025-11. 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, 2025-11
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=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2025-11.
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 €204.09 billion in November 2025, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €810 million in November 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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