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 May 2026, at €204.12 billion. Estonia had the lowest, at €849 million. The median was €8.57 billion. Source: the European Central Bank.

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Highest204,122France
Lowest849Estonia
Median8,57121 EU countries

Map of EU countries, May 2026

Austria: 18,831 EUR millionBelgium: 10,637 EUR millionBulgaria: 12,282.35 EUR millionCyprus: 1,230 EUR millionGermany: 202,935 EUR millionEstonia: 849 EUR millionSpain: 117,508 EUR millionFinland: 17,513 EUR millionFrance: 204,122 EUR millionGreece: 8,571 EUR millionCroatia: 1,370 EUR millionIreland: 14,470 EUR millionItaly: 134,046 EUR millionLithuania: 3,787 EUR millionLuxembourg: 8,357 EUR millionLatvia: 1,059 EUR millionMalta: 1,011.41 EUR millionNetherlands: 7,175 EUR millionPortugal: 22,199.17 EUR millionSlovenia: 3,792.44 EUR millionSlovakia: 7,080.82 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 12K
  • 12K to 22K
  • 22K and over
  • No data
EUR million, May 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, May 2026

France: 204,122 EUR millionFrance204,122Germany: 202,935 EUR millionGermany202,935Italy: 134,046 EUR millionItaly134,046Spain: 117,508 EUR millionSpain117,508Portugal: 22,199.17 EUR millionPortugal22,199.17Austria: 18,831 EUR millionAustria18,831Finland: 17,513 EUR millionFinland17,513Ireland: 14,470 EUR millionIreland14,470Bulgaria: 12,282.35 EUR millionBulgaria12,282.35Belgium: 10,637 EUR millionBelgium10,637Greece: 8,571 EUR millionGreece8,571Luxembourg: 8,357 EUR millionLuxembourg8,357Netherlands: 7,175 EUR millionNetherlands7,175Slovakia: 7,080.82 EUR millionSlovakia7,080.82Slovenia: 3,792.44 EUR millionSlovenia3,792.44Lithuania: 3,787 EUR millionLithuania3,787Croatia: 1,370 EUR millionCroatia1,370Cyprus: 1,230 EUR millionCyprus1,230Latvia: 1,059 EUR millionLatvia1,059Malta: 1,011.41 EUR millionMalta1,011.41Estonia: 849 EUR millionEstonia849France: 204,122 EUR millionFrance204,122Germany: 202,935 EUR millionGermany202,935Italy: 134,046 EUR millionItaly134,046Spain: 117,508 EUR millionSpain117,508Portugal: 22,199.17 EUR millionPortugal22,199.17Austria: 18,831 EUR millionAustria18,831Finland: 17,513 EUR millionFinland17,513Ireland: 14,470 EUR millionIreland14,470Bulgaria: 12,282.35 EUR millionBulgaria12,282.35Belgium: 10,637 EUR millionBelgium10,637Greece: 8,571 EUR millionGreece8,571Luxembourg: 8,357 EUR millionLuxembourg8,357Netherlands: 7,175 EUR millionNetherlands7,175Slovakia: 7,080.82 EUR millionSlovakia7,080.82Slovenia: 3,792.44 EUR millionSlovenia3,792.44Lithuania: 3,787 EUR millionLithuania3,787Croatia: 1,370 EUR millionCroatia1,370Cyprus: 1,230 EUR millionCyprus1,230Latvia: 1,059 EUR millionLatvia1,059Malta: 1,011.41 EUR millionMalta1,011.41Estonia: 849 EUR millionEstonia849
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 countriesMay 2026
EUR million		Change on May 2025
1France204,122+2.2%
2Germany202,935+2.9%
3Italy134,046+4.3%
4Spain117,508+11.5%
5Portugal22,199.17+7.8%
6Austria18,831+3.8%
7Finland17,513-0.9%
8Ireland14,470+5.2%
9Bulgaria12,282.35+13.1%
10Belgium10,637+1.9%
11Greece8,571-0.1%
12Luxembourg8,357+13.9%
13Netherlands7,175-4.1%
14Slovakia7,080.82+5.2%
15Slovenia3,792.44+8.5%
16Lithuania3,787+56.7%
17Croatia1,370+4.5%
18Cyprus1,230-1%
19Latvia1,059+27.3%
20Malta1,011.41+9.3%
21Estonia849+5.6%

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, 2026-05) [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, 2026-05. 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=2026-05. 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, 2026-05. 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=2026-05.

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, 2026-05 [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=2026-05 (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, 2026-05}},
  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=2026-05. 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, 2026-05
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=2026-05
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2026-05.
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 €204.12 billion in May 2026, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €849 million in May 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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