Data / Rankings / MFI household loan balances / EU countries

EU countries by MFI household loan balances

Germany had the highest MFI household loan balances of 21 EU countries in October 2025, at €2.09 trillion. Latvia had the lowest, at €6.82 billion. The median was €66.03 billion. Source: the European Central Bank.

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Highest2,093,693Germany
Lowest6,820Latvia
Median66,03421 EU countries

Map of EU countries, October 2025

Austria: 195,449 EUR millionBelgium: 270,412 EUR millionBulgaria: 27,977.54 EUR millionCyprus: 10,772 EUR millionGermany: 2,093,693 EUR millionEstonia: 14,393 EUR millionSpain: 701,716 EUR millionFinland: 143,423 EUR millionFrance: 1,568,804 EUR millionGreece: 37,865 EUR millionCroatia: 27,104 EUR millionIreland: 112,557 EUR millionItaly: 681,184 EUR millionLithuania: 19,266 EUR millionLuxembourg: 66,034 EUR millionLatvia: 6,820 EUR millionMalta: 10,527.65 EUR millionNetherlands: 648,321 EUR millionPortugal: 144,812.12 EUR millionSlovenia: 14,645.36 EUR millionSlovakia: 57,753.53 EUR million
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EUR million, October 2025. 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, October 2025

Germany: 2,093,693 EUR millionGermany2,093,693France: 1,568,804 EUR millionFrance1,568,804Spain: 701,716 EUR millionSpain701,716Italy: 681,184 EUR millionItaly681,184Netherlands: 648,321 EUR millionNetherlands648,321Belgium: 270,412 EUR millionBelgium270,412Austria: 195,449 EUR millionAustria195,449Portugal: 144,812.12 EUR millionPortugal144,812.12Finland: 143,423 EUR millionFinland143,423Ireland: 112,557 EUR millionIreland112,557Luxembourg: 66,034 EUR millionLuxembourg66,034Slovakia: 57,753.53 EUR millionSlovakia57,753.53Greece: 37,865 EUR millionGreece37,865Bulgaria: 27,977.54 EUR millionBulgaria27,977.54Croatia: 27,104 EUR millionCroatia27,104Lithuania: 19,266 EUR millionLithuania19,266Slovenia: 14,645.36 EUR millionSlovenia14,645.36Estonia: 14,393 EUR millionEstonia14,393Cyprus: 10,772 EUR millionCyprus10,772Malta: 10,527.65 EUR millionMalta10,527.65Latvia: 6,820 EUR millionLatvia6,820Germany: 2,093,693 EUR millionGermany2,093,693France: 1,568,804 EUR millionFrance1,568,804Spain: 701,716 EUR millionSpain701,716Italy: 681,184 EUR millionItaly681,184Netherlands: 648,321 EUR millionNetherlands648,321Belgium: 270,412 EUR millionBelgium270,412Austria: 195,449 EUR millionAustria195,449Portugal: 144,812.12 EUR millionPortugal144,812.12Finland: 143,423 EUR millionFinland143,423Ireland: 112,557 EUR millionIreland112,557Luxembourg: 66,034 EUR millionLuxembourg66,034Slovakia: 57,753.53 EUR millionSlovakia57,753.53Greece: 37,865 EUR millionGreece37,865Bulgaria: 27,977.54 EUR millionBulgaria27,977.54Croatia: 27,104 EUR millionCroatia27,104Lithuania: 19,266 EUR millionLithuania19,266Slovenia: 14,645.36 EUR millionSlovenia14,645.36Estonia: 14,393 EUR millionEstonia14,393Cyprus: 10,772 EUR millionCyprus10,772Malta: 10,527.65 EUR millionMalta10,527.65Latvia: 6,820 EUR millionLatvia6,820
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 countriesOctober 2025
EUR million		Change on October 2024
1Germany2,093,693+2%
2France1,568,804+0.3%
3Spain701,716+3.5%
4Italy681,184+2.1%
5Netherlands648,321+5.2%
6Belgium270,412+1.7%
7Austria195,449+1%
8Portugal144,812.12+8.6%
9Finland143,4230%
10Ireland112,557+8.5%
11Luxembourg66,034+6.5%
12Slovakia57,753.53+6.8%
13Greece37,865-5.3%
14Bulgaria27,977.54+20.8%
15Croatia27,104+12.5%
16Lithuania19,266+18.7%
17Slovenia14,645.36+7.5%
18Estonia14,393+9.9%
19Cyprus10,772+0.9%
20Malta10,527.65+9.3%
21Latvia6,820+11.4%

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, 2025-10) [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, 2025-10. 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?period=2025-10. 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, 2025-10. 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?period=2025-10.

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, 2025-10 [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?period=2025-10 (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, 2025-10}},
  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?period=2025-10. 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, 2025-10
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?period=2025-10
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries?period=2025-10.
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 €2.09 trillion in October 2025, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances?

Latvia, with €6.82 billion in October 2025.

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.

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