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 March 2026, at €205.04 billion. Estonia had the lowest, at €795 million. The median was €8.55 billion. Source: the European Central Bank.

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Highest205,039France
Lowest795Estonia
Median8,55421 EU countries

Map of EU countries, March 2026

Austria: 18,891 EUR millionBelgium: 10,593 EUR millionBulgaria: 11,902.74 EUR millionCyprus: 1,238 EUR millionGermany: 203,078 EUR millionEstonia: 795 EUR millionSpain: 115,746 EUR millionFinland: 17,427 EUR millionFrance: 205,039 EUR millionGreece: 8,554 EUR millionCroatia: 1,362 EUR millionIreland: 14,343 EUR millionItaly: 132,839 EUR millionLithuania: 3,544 EUR millionLuxembourg: 7,969 EUR millionLatvia: 1,022 EUR millionMalta: 978.66 EUR millionNetherlands: 7,317 EUR millionPortugal: 21,939.75 EUR millionSlovenia: 3,733.4 EUR millionSlovakia: 7,010.57 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 12K
  • 12K to 22K
  • 22K and over
  • No data
EUR million, March 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, March 2026

France: 205,039 EUR millionFrance205,039Germany: 203,078 EUR millionGermany203,078Italy: 132,839 EUR millionItaly132,839Spain: 115,746 EUR millionSpain115,746Portugal: 21,939.75 EUR millionPortugal21,939.75Austria: 18,891 EUR millionAustria18,891Finland: 17,427 EUR millionFinland17,427Ireland: 14,343 EUR millionIreland14,343Bulgaria: 11,902.74 EUR millionBulgaria11,902.74Belgium: 10,593 EUR millionBelgium10,593Greece: 8,554 EUR millionGreece8,554Luxembourg: 7,969 EUR millionLuxembourg7,969Netherlands: 7,317 EUR millionNetherlands7,317Slovakia: 7,010.57 EUR millionSlovakia7,010.57Slovenia: 3,733.4 EUR millionSlovenia3,733.4Lithuania: 3,544 EUR millionLithuania3,544Croatia: 1,362 EUR millionCroatia1,362Cyprus: 1,238 EUR millionCyprus1,238Latvia: 1,022 EUR millionLatvia1,022Malta: 978.66 EUR millionMalta978.66Estonia: 795 EUR millionEstonia795France: 205,039 EUR millionFrance205,039Germany: 203,078 EUR millionGermany203,078Italy: 132,839 EUR millionItaly132,839Spain: 115,746 EUR millionSpain115,746Portugal: 21,939.75 EUR millionPortugal21,939.75Austria: 18,891 EUR millionAustria18,891Finland: 17,427 EUR millionFinland17,427Ireland: 14,343 EUR millionIreland14,343Bulgaria: 11,902.74 EUR millionBulgaria11,902.74Belgium: 10,593 EUR millionBelgium10,593Greece: 8,554 EUR millionGreece8,554Luxembourg: 7,969 EUR millionLuxembourg7,969Netherlands: 7,317 EUR millionNetherlands7,317Slovakia: 7,010.57 EUR millionSlovakia7,010.57Slovenia: 3,733.4 EUR millionSlovenia3,733.4Lithuania: 3,544 EUR millionLithuania3,544Croatia: 1,362 EUR millionCroatia1,362Cyprus: 1,238 EUR millionCyprus1,238Latvia: 1,022 EUR millionLatvia1,022Malta: 978.66 EUR millionMalta978.66Estonia: 795 EUR millionEstonia795
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 countriesMarch 2026
EUR million		Change on March 2025
1France205,039+1.9%
2Germany203,078+3.4%
3Italy132,839+4.5%
4Spain115,746+11.5%
5Portugal21,939.75+7.5%
6Austria18,891+3.4%
7Finland17,427-1.4%
8Ireland14,343+9.7%
9Bulgaria11,902.74+12.2%
10Belgium10,593+2.3%
11Greece8,554-0.1%
12Luxembourg7,969+13.8%
13Netherlands7,317-3.1%
14Slovakia7,010.57+5.4%
15Slovenia3,733.4+8.8%
16Lithuania3,544+60.2%
17Croatia1,362+3.6%
18Cyprus1,238+1.6%
19Latvia1,022+26.8%
20Malta978.66+8.3%
21Estonia795-0.6%

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, 2026-03) [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, 2026-03. 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=2026-03. 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, 2026-03. 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=2026-03.

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, 2026-03 [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=2026-03 (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, 2026-03}},
  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=2026-03. 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, 2026-03
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=2026-03
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2026-03.
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 €205.04 billion in March 2026, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €795 million in March 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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