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 April 2026, at €205.19 billion. Estonia had the lowest, at €838 million. The median was €8.55 billion. Source: the European Central Bank.

Keep it in a collection in your library.
Highest205,193France
Lowest838Estonia
Median8,54821 EU countries

Map of EU countries, April 2026

Austria: 18,618 EUR millionBelgium: 10,640 EUR millionBulgaria: 12,091.51 EUR millionCyprus: 1,224 EUR millionGermany: 202,466 EUR millionEstonia: 838 EUR millionSpain: 116,811 EUR millionFinland: 17,469 EUR millionFrance: 205,193 EUR millionGreece: 8,548 EUR millionCroatia: 1,372 EUR millionIreland: 14,439 EUR millionItaly: 133,408 EUR millionLithuania: 3,628 EUR millionLuxembourg: 8,065 EUR millionLatvia: 1,038 EUR millionMalta: 991.84 EUR millionNetherlands: 7,333 EUR millionPortugal: 22,090.44 EUR millionSlovenia: 3,774.39 EUR millionSlovakia: 7,009.84 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 12K
  • 12K to 22K
  • 22K and over
  • No data
EUR million, April 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, April 2026

France: 205,193 EUR millionFrance205,193Germany: 202,466 EUR millionGermany202,466Italy: 133,408 EUR millionItaly133,408Spain: 116,811 EUR millionSpain116,811Portugal: 22,090.44 EUR millionPortugal22,090.44Austria: 18,618 EUR millionAustria18,618Finland: 17,469 EUR millionFinland17,469Ireland: 14,439 EUR millionIreland14,439Bulgaria: 12,091.51 EUR millionBulgaria12,091.51Belgium: 10,640 EUR millionBelgium10,640Greece: 8,548 EUR millionGreece8,548Luxembourg: 8,065 EUR millionLuxembourg8,065Netherlands: 7,333 EUR millionNetherlands7,333Slovakia: 7,009.84 EUR millionSlovakia7,009.84Slovenia: 3,774.39 EUR millionSlovenia3,774.39Lithuania: 3,628 EUR millionLithuania3,628Croatia: 1,372 EUR millionCroatia1,372Cyprus: 1,224 EUR millionCyprus1,224Latvia: 1,038 EUR millionLatvia1,038Malta: 991.84 EUR millionMalta991.84Estonia: 838 EUR millionEstonia838France: 205,193 EUR millionFrance205,193Germany: 202,466 EUR millionGermany202,466Italy: 133,408 EUR millionItaly133,408Spain: 116,811 EUR millionSpain116,811Portugal: 22,090.44 EUR millionPortugal22,090.44Austria: 18,618 EUR millionAustria18,618Finland: 17,469 EUR millionFinland17,469Ireland: 14,439 EUR millionIreland14,439Bulgaria: 12,091.51 EUR millionBulgaria12,091.51Belgium: 10,640 EUR millionBelgium10,640Greece: 8,548 EUR millionGreece8,548Luxembourg: 8,065 EUR millionLuxembourg8,065Netherlands: 7,333 EUR millionNetherlands7,333Slovakia: 7,009.84 EUR millionSlovakia7,009.84Slovenia: 3,774.39 EUR millionSlovenia3,774.39Lithuania: 3,628 EUR millionLithuania3,628Croatia: 1,372 EUR millionCroatia1,372Cyprus: 1,224 EUR millionCyprus1,224Latvia: 1,038 EUR millionLatvia1,038Malta: 991.84 EUR millionMalta991.84Estonia: 838 EUR millionEstonia838
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 countriesApril 2026
EUR million		Change on April 2025
1France205,193+1.4%
2Germany202,466+2.8%
3Italy133,408+4.6%
4Spain116,811+12.2%
5Portugal22,090.44+7.9%
6Austria18,618+3.2%
7Finland17,469-0.9%
8Ireland14,439+5.2%
9Bulgaria12,091.51+12.6%
10Belgium10,640+2.2%
11Greece8,548-0.7%
12Luxembourg8,065+18.5%
13Netherlands7,333-2.7%
14Slovakia7,009.84+5%
15Slovenia3,774.39+8.6%
16Lithuania3,628+56.9%
17Croatia1,372+4.6%
18Cyprus1,224-1.4%
19Latvia1,038+26.6%
20Malta991.84+8.5%
21Estonia838+4.4%

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, 2026-04) [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, 2026-04. 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=2026-04. 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, 2026-04. 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=2026-04.

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, 2026-04 [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=2026-04 (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, 2026-04}},
  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=2026-04. 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, 2026-04
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=2026-04
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2026-04.
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  -
Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

Rank EU countries by MFI consumer loan balances using official data, and cite the source.
rank_places {"indicator":"ecb_mfi_consumer_loans_eur","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=ecb_mfi_consumer_loans_eur&level=country&within=European%20Union%20(27)&limit=10

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

Which EU country has the highest MFI consumer loan balances?

France, with €205.19 billion in April 2026, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €838 million in April 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.

EU countries: more rankings