Data / Rankings / MFI household loan balances / EU countries

EU countries by MFI household loan balances, August 2026

Germany had the highest MFI household loan balances of 21 EU countries in August 2026, at €2.12 trillion. Latvia had the lowest, at €7.39 billion. The median was €68.84 billion. Source: the European Central Bank.

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Highest2,123,893Germany
Lowest7,393Latvia
Median68,84421 EU countries

Map of EU countries, August 2026

Austria: 198,566 EUR millionBelgium: 279,214 EUR millionBulgaria: 32,688.19 EUR millionCyprus: 10,778 EUR millionGermany: 2,123,893 EUR millionEstonia: 15,594 EUR millionSpain: 714,709 EUR millionFinland: 143,043 EUR millionFrance: 1,583,211 EUR millionGreece: 37,814 EUR millionCroatia: 29,409 EUR millionIreland: 116,804 EUR millionItaly: 696,293 EUR millionLithuania: 22,389 EUR millionLuxembourg: 68,844 EUR millionLatvia: 7,393 EUR millionMalta: 11,420.8 EUR millionNetherlands: 678,061 EUR millionPortugal: 157,420.9 EUR millionSlovenia: 15,589.45 EUR millionSlovakia: 61,649.47 EUR million
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  • 20K to 40K
  • 40K to 140K
  • 140K to 680K
  • 680K and over
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EUR million, August 2026. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, August 2026

Germany: 2,123,893 EUR millionGermany2,123,893France: 1,583,211 EUR millionFrance1,583,211Spain: 714,709 EUR millionSpain714,709Italy: 696,293 EUR millionItaly696,293Netherlands: 678,061 EUR millionNetherlands678,061Belgium: 279,214 EUR millionBelgium279,214Austria: 198,566 EUR millionAustria198,566Portugal: 157,420.9 EUR millionPortugal157,420.9Finland: 143,043 EUR millionFinland143,043Ireland: 116,804 EUR millionIreland116,804Luxembourg: 68,844 EUR millionLuxembourg68,844Slovakia: 61,649.47 EUR millionSlovakia61,649.47Greece: 37,814 EUR millionGreece37,814Bulgaria: 32,688.19 EUR millionBulgaria32,688.19Croatia: 29,409 EUR millionCroatia29,409Lithuania: 22,389 EUR millionLithuania22,389Estonia: 15,594 EUR millionEstonia15,594Slovenia: 15,589.45 EUR millionSlovenia15,589.45Malta: 11,420.8 EUR millionMalta11,420.8Cyprus: 10,778 EUR millionCyprus10,778Latvia: 7,393 EUR millionLatvia7,393Germany: 2,123,893 EUR millionGermany2,123,893France: 1,583,211 EUR millionFrance1,583,211Spain: 714,709 EUR millionSpain714,709Italy: 696,293 EUR millionItaly696,293Netherlands: 678,061 EUR millionNetherlands678,061Belgium: 279,214 EUR millionBelgium279,214Austria: 198,566 EUR millionAustria198,566Portugal: 157,420.9 EUR millionPortugal157,420.9Finland: 143,043 EUR millionFinland143,043Ireland: 116,804 EUR millionIreland116,804Luxembourg: 68,844 EUR millionLuxembourg68,844Slovakia: 61,649.47 EUR millionSlovakia61,649.47Greece: 37,814 EUR millionGreece37,814Bulgaria: 32,688.19 EUR millionBulgaria32,688.19Croatia: 29,409 EUR millionCroatia29,409Lithuania: 22,389 EUR millionLithuania22,389Estonia: 15,594 EUR millionEstonia15,594Slovenia: 15,589.45 EUR millionSlovenia15,589.45Malta: 11,420.8 EUR millionMalta11,420.8Cyprus: 10,778 EUR millionCyprus10,778Latvia: 7,393 EUR millionLatvia7,393
EUR million. Source: ECB, ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesAugust 2026
EUR million		Change on August 2025
1Germany Provisional2,123,893+1.8%
2France Provisional1,583,211+0.7%
3Spain Provisional714,709+2.6%
4Italy Provisional696,293+3%
5Netherlands Provisional678,061+5.8%
6Belgium Provisional279,214+4.1%
7Austria Provisional198,566+2%
8Portugal Provisional157,420.9+10.6%
9Finland Provisional143,043-0.3%
10Ireland Provisional116,804+5%
11Luxembourg Provisional68,844+5.7%
12Slovakia Provisional61,649.47+8.3%
13Greece Provisional37,814-0.2%
14Bulgaria Provisional32,688.19+20.7%
15Croatia Provisional29,409+10.6%
16Lithuania Provisional22,389+20%
17Estonia Provisional15,594+10.3%
18Slovenia Provisional15,589.45+8.2%
19Malta Provisional11,420.8+10.3%
20Cyprus Provisional10,778-0.4%
21Latvia Provisional7,393+12.3%

Other periods

About this ranking

End-of-month stock of loans from resident MFIs excluding central banks to households and non-profit institutions serving 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 household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.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.A20.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 household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E) (EU countries by MFI household loan balances, 2026-08) [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.A20.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E), EU countries by MFI household loan balances, 2026-08. 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.A20.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). EU countries by MFI household loan balances, 2026-08. 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.A20.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries.

Harvard

European Central Bank (no date) ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E), EU countries by MFI household loan balances, 2026-08 [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.A20.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E): EU countries by MFI household loan balances, 2026-08}},
  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.A20.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries. Publisher attribution: European Central Bank. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.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.A20.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E): EU countries by MFI household loan balances, 2026-08
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.A20.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.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.A20.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Rank EU countries by MFI household loan balances using official data, and cite the source.
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Questions

Which EU country has the highest MFI household loan balances?

Germany, with €2.12 trillion in August 2026, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances?

Latvia, with €7.39 billion in August 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 household loan balances, unadjusted end-period stock (M.<area>.N.A.A20.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

EU countries: more rankings