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 December 2025, at €206.04 billion. Estonia had the lowest, at €807 million. The median was €8.63 billion. Source: the European Central Bank.

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Highest206,044France
Lowest807Estonia
Median8,63321 EU countries

Map of EU countries, December 2025

Austria: 18,455 EUR millionBelgium: 10,485 EUR millionBulgaria: 11,549.86 EUR millionCyprus: 1,215 EUR millionGermany: 202,832 EUR millionEstonia: 807 EUR millionSpain: 114,372 EUR millionFinland: 17,566 EUR millionFrance: 206,044 EUR millionGreece: 8,633 EUR millionCroatia: 1,342 EUR millionIreland: 14,251 EUR millionItaly: 131,202 EUR millionLithuania: 3,181 EUR millionLuxembourg: 7,594 EUR millionLatvia: 989 EUR millionMalta: 957.3 EUR millionNetherlands: 7,420 EUR millionPortugal: 21,345.05 EUR millionSlovenia: 3,646.64 EUR millionSlovakia: 6,952.26 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 12K
  • 12K to 21K
  • 21K and over
  • No data
EUR million, December 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, December 2025

France: 206,044 EUR millionFrance206,044Germany: 202,832 EUR millionGermany202,832Italy: 131,202 EUR millionItaly131,202Spain: 114,372 EUR millionSpain114,372Portugal: 21,345.05 EUR millionPortugal21,345.05Austria: 18,455 EUR millionAustria18,455Finland: 17,566 EUR millionFinland17,566Ireland: 14,251 EUR millionIreland14,251Bulgaria: 11,549.86 EUR millionBulgaria11,549.86Belgium: 10,485 EUR millionBelgium10,485Greece: 8,633 EUR millionGreece8,633Luxembourg: 7,594 EUR millionLuxembourg7,594Netherlands: 7,420 EUR millionNetherlands7,420Slovakia: 6,952.26 EUR millionSlovakia6,952.26Slovenia: 3,646.64 EUR millionSlovenia3,646.64Lithuania: 3,181 EUR millionLithuania3,181Croatia: 1,342 EUR millionCroatia1,342Cyprus: 1,215 EUR millionCyprus1,215Latvia: 989 EUR millionLatvia989Malta: 957.3 EUR millionMalta957.3Estonia: 807 EUR millionEstonia807France: 206,044 EUR millionFrance206,044Germany: 202,832 EUR millionGermany202,832Italy: 131,202 EUR millionItaly131,202Spain: 114,372 EUR millionSpain114,372Portugal: 21,345.05 EUR millionPortugal21,345.05Austria: 18,455 EUR millionAustria18,455Finland: 17,566 EUR millionFinland17,566Ireland: 14,251 EUR millionIreland14,251Bulgaria: 11,549.86 EUR millionBulgaria11,549.86Belgium: 10,485 EUR millionBelgium10,485Greece: 8,633 EUR millionGreece8,633Luxembourg: 7,594 EUR millionLuxembourg7,594Netherlands: 7,420 EUR millionNetherlands7,420Slovakia: 6,952.26 EUR millionSlovakia6,952.26Slovenia: 3,646.64 EUR millionSlovenia3,646.64Lithuania: 3,181 EUR millionLithuania3,181Croatia: 1,342 EUR millionCroatia1,342Cyprus: 1,215 EUR millionCyprus1,215Latvia: 989 EUR millionLatvia989Malta: 957.3 EUR millionMalta957.3Estonia: 807 EUR millionEstonia807
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 countriesDecember 2025
EUR million		Change on December 2024
1France206,044+2.6%
2Germany202,832+2.6%
3Italy131,202+4%
4Spain114,372+11%
5Portugal21,345.05+5.6%
6Austria18,455+3.5%
7Finland17,566-2%
8Ireland14,251+10%
9Bulgaria11,549.86+12.2%
10Belgium10,485+2.4%
11Greece8,633+0.6%
12Luxembourg7,594+13.9%
13Netherlands7,420-5.6%
14Slovakia6,952.26+5.6%
15Slovenia3,646.64+9.3%
16Lithuania3,181+58.2%
17Croatia1,342+1.7%
18Cyprus1,215-1.3%
19Latvia989+25%
20Malta957.3+8%
21Estonia807-1.1%

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, 2025-12) [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, 2025-12. 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=2025-12. 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, 2025-12. 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=2025-12.

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, 2025-12 [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=2025-12 (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, 2025-12}},
  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=2025-12. 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, 2025-12
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=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2025-12.
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 €206.04 billion in December 2025, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €807 million in December 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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