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 January 2026, at €203.96 billion. Estonia had the lowest, at €796 million. The median was €8.53 billion. Source: the European Central Bank.

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Highest203,956France
Lowest796Estonia
Median8,52821 EU countries

Map of EU countries, January 2026

Austria: 18,363 EUR millionBelgium: 10,482 EUR millionBulgaria: 11,593.09 EUR millionCyprus: 1,186 EUR millionGermany: 201,099 EUR millionEstonia: 796 EUR millionSpain: 113,918 EUR millionFinland: 17,459 EUR millionFrance: 203,956 EUR millionGreece: 8,528 EUR millionCroatia: 1,346 EUR millionIreland: 14,244 EUR millionItaly: 131,104 EUR millionLithuania: 3,292 EUR millionLuxembourg: 7,400 EUR millionLatvia: 997 EUR millionMalta: 977.15 EUR millionNetherlands: 7,305 EUR millionPortugal: 21,336.13 EUR millionSlovenia: 3,663.13 EUR millionSlovakia: 6,938.96 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 12K
  • 12K to 21K
  • 21K and over
  • No data
EUR million, January 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, January 2026

France: 203,956 EUR millionFrance203,956Germany: 201,099 EUR millionGermany201,099Italy: 131,104 EUR millionItaly131,104Spain: 113,918 EUR millionSpain113,918Portugal: 21,336.13 EUR millionPortugal21,336.13Austria: 18,363 EUR millionAustria18,363Finland: 17,459 EUR millionFinland17,459Ireland: 14,244 EUR millionIreland14,244Bulgaria: 11,593.09 EUR millionBulgaria11,593.09Belgium: 10,482 EUR millionBelgium10,482Greece: 8,528 EUR millionGreece8,528Luxembourg: 7,400 EUR millionLuxembourg7,400Netherlands: 7,305 EUR millionNetherlands7,305Slovakia: 6,938.96 EUR millionSlovakia6,938.96Slovenia: 3,663.13 EUR millionSlovenia3,663.13Lithuania: 3,292 EUR millionLithuania3,292Croatia: 1,346 EUR millionCroatia1,346Cyprus: 1,186 EUR millionCyprus1,186Latvia: 997 EUR millionLatvia997Malta: 977.15 EUR millionMalta977.15Estonia: 796 EUR millionEstonia796France: 203,956 EUR millionFrance203,956Germany: 201,099 EUR millionGermany201,099Italy: 131,104 EUR millionItaly131,104Spain: 113,918 EUR millionSpain113,918Portugal: 21,336.13 EUR millionPortugal21,336.13Austria: 18,363 EUR millionAustria18,363Finland: 17,459 EUR millionFinland17,459Ireland: 14,244 EUR millionIreland14,244Bulgaria: 11,593.09 EUR millionBulgaria11,593.09Belgium: 10,482 EUR millionBelgium10,482Greece: 8,528 EUR millionGreece8,528Luxembourg: 7,400 EUR millionLuxembourg7,400Netherlands: 7,305 EUR millionNetherlands7,305Slovakia: 6,938.96 EUR millionSlovakia6,938.96Slovenia: 3,663.13 EUR millionSlovenia3,663.13Lithuania: 3,292 EUR millionLithuania3,292Croatia: 1,346 EUR millionCroatia1,346Cyprus: 1,186 EUR millionCyprus1,186Latvia: 997 EUR millionLatvia997Malta: 977.15 EUR millionMalta977.15Estonia: 796 EUR millionEstonia796
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 countriesJanuary 2026
EUR million		Change on January 2025
1France203,956+2.4%
2Germany201,099+1.9%
3Italy131,104+4.2%
4Spain113,918+11.1%
5Portugal21,336.13+5.7%
6Austria18,363+3.5%
7Finland17,459-1.8%
8Ireland14,244+9.8%
9Bulgaria11,593.09+11.7%
10Belgium10,482+2%
11Greece8,528-0.2%
12Luxembourg7,400+10.5%
13Netherlands7,305-3.5%
14Slovakia6,938.96+5.6%
15Slovenia3,663.13+9%
16Lithuania3,292+60.1%
17Croatia1,346+2.2%
18Cyprus1,186-4.1%
19Latvia997+25.4%
20Malta977.15+9.3%
21Estonia796-0.9%

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, 2026-01) [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, 2026-01. 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=2026-01. 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, 2026-01. 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=2026-01.

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, 2026-01 [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=2026-01 (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, 2026-01}},
  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=2026-01. 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, 2026-01
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=2026-01
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2026-01.
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 €203.96 billion in January 2026, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €796 million in January 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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