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 June 2026, at €206.41 billion. Estonia had the lowest, at €853 million. The median was €8.71 billion. Source: the European Central Bank.

Keep it in a collection in your library.
Highest206,412France
Lowest853Estonia
Median8,70721 EU countries

Map of EU countries, June 2026

Austria: 19,146 EUR millionBelgium: 10,706 EUR millionBulgaria: 12,505.44 EUR millionCyprus: 1,268 EUR millionGermany: 204,410 EUR millionEstonia: 853 EUR millionSpain: 118,916 EUR millionFinland: 17,476 EUR millionFrance: 206,412 EUR millionGreece: 8,707 EUR millionCroatia: 1,375 EUR millionIreland: 14,536 EUR millionItaly: 134,965 EUR millionLithuania: 4,119 EUR millionLuxembourg: 8,197 EUR millionLatvia: 1,079 EUR millionMalta: 1,006.47 EUR millionNetherlands: 6,821 EUR millionPortugal: 22,515.67 EUR millionSlovenia: 3,818.78 EUR millionSlovakia: 7,124.98 EUR million
  • Under 1,000
  • 1,000 to 7,000
  • 7,000 to 13K
  • 13K to 23K
  • 23K and over
  • No data
EUR million, June 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, June 2026

France: 206,412 EUR millionFrance206,412Germany: 204,410 EUR millionGermany204,410Italy: 134,965 EUR millionItaly134,965Spain: 118,916 EUR millionSpain118,916Portugal: 22,515.67 EUR millionPortugal22,515.67Austria: 19,146 EUR millionAustria19,146Finland: 17,476 EUR millionFinland17,476Ireland: 14,536 EUR millionIreland14,536Bulgaria: 12,505.44 EUR millionBulgaria12,505.44Belgium: 10,706 EUR millionBelgium10,706Greece: 8,707 EUR millionGreece8,707Luxembourg: 8,197 EUR millionLuxembourg8,197Slovakia: 7,124.98 EUR millionSlovakia7,124.98Netherlands: 6,821 EUR millionNetherlands6,821Lithuania: 4,119 EUR millionLithuania4,119Slovenia: 3,818.78 EUR millionSlovenia3,818.78Croatia: 1,375 EUR millionCroatia1,375Cyprus: 1,268 EUR millionCyprus1,268Latvia: 1,079 EUR millionLatvia1,079Malta: 1,006.47 EUR millionMalta1,006.47Estonia: 853 EUR millionEstonia853France: 206,412 EUR millionFrance206,412Germany: 204,410 EUR millionGermany204,410Italy: 134,965 EUR millionItaly134,965Spain: 118,916 EUR millionSpain118,916Portugal: 22,515.67 EUR millionPortugal22,515.67Austria: 19,146 EUR millionAustria19,146Finland: 17,476 EUR millionFinland17,476Ireland: 14,536 EUR millionIreland14,536Bulgaria: 12,505.44 EUR millionBulgaria12,505.44Belgium: 10,706 EUR millionBelgium10,706Greece: 8,707 EUR millionGreece8,707Luxembourg: 8,197 EUR millionLuxembourg8,197Slovakia: 7,124.98 EUR millionSlovakia7,124.98Netherlands: 6,821 EUR millionNetherlands6,821Lithuania: 4,119 EUR millionLithuania4,119Slovenia: 3,818.78 EUR millionSlovenia3,818.78Croatia: 1,375 EUR millionCroatia1,375Cyprus: 1,268 EUR millionCyprus1,268Latvia: 1,079 EUR millionLatvia1,079Malta: 1,006.47 EUR millionMalta1,006.47Estonia: 853 EUR millionEstonia853
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 countriesJune 2026
EUR million		Change on June 2025
1France206,412+2.6%
2Germany204,410+2%
3Italy134,965+4.8%
4Spain118,916+11.9%
5Portugal22,515.67+8.6%
6Austria19,146+2.9%
7Finland17,476-1%
8Ireland14,536+5.1%
9Bulgaria12,505.44+13.8%
10Belgium10,706+2.9%
11Greece8,707+0.5%
12Luxembourg8,197+14.5%
13Slovakia7,124.98+5.5%
14Netherlands6,821-9.6%
15Lithuania4,119+62.5%
16Slovenia3,818.78+8.6%
17Croatia1,375+5.4%
18Cyprus1,268+0.8%
19Latvia1,079+28.8%
20Malta1,006.47+8.5%
21Estonia853+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, 2026-06) [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, 2026-06. 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=2026-06. 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, 2026-06. 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=2026-06.

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, 2026-06 [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=2026-06 (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, 2026-06}},
  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=2026-06. 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, 2026-06
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=2026-06
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-consumer-loan-balances/eu-countries?period=2026-06.
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 €206.41 billion in June 2026, according to the European Central Bank.

Which EU country has the lowest MFI consumer loan balances?

Estonia, with €853 million in June 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