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 November 2025, at €2.1 trillion. Latvia had the lowest, at €6.86 billion. The median was €66.71 billion. Source: the European Central Bank.

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Highest2,096,232Germany
Lowest6,858Latvia
Median66,70621 EU countries

Map of EU countries, November 2025

Austria: 195,565 EUR millionBelgium: 272,152 EUR millionBulgaria: 28,388.47 EUR millionCyprus: 10,803 EUR millionGermany: 2,096,232 EUR millionEstonia: 14,501 EUR millionSpain: 715,671 EUR millionFinland: 143,514 EUR millionFrance: 1,569,426 EUR millionGreece: 37,983 EUR millionCroatia: 27,302 EUR millionIreland: 112,699 EUR millionItaly: 683,751 EUR millionLithuania: 19,560 EUR millionLuxembourg: 66,706 EUR millionLatvia: 6,858 EUR millionMalta: 10,635.09 EUR millionNetherlands: 650,531 EUR millionPortugal: 145,974.06 EUR millionSlovenia: 14,728.66 EUR millionSlovakia: 58,054.95 EUR million
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EUR million, November 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, November 2025

Germany: 2,096,232 EUR millionGermany2,096,232France: 1,569,426 EUR millionFrance1,569,426Spain: 715,671 EUR millionSpain715,671Italy: 683,751 EUR millionItaly683,751Netherlands: 650,531 EUR millionNetherlands650,531Belgium: 272,152 EUR millionBelgium272,152Austria: 195,565 EUR millionAustria195,565Portugal: 145,974.06 EUR millionPortugal145,974.06Finland: 143,514 EUR millionFinland143,514Ireland: 112,699 EUR millionIreland112,699Luxembourg: 66,706 EUR millionLuxembourg66,706Slovakia: 58,054.95 EUR millionSlovakia58,054.95Greece: 37,983 EUR millionGreece37,983Bulgaria: 28,388.47 EUR millionBulgaria28,388.47Croatia: 27,302 EUR millionCroatia27,302Lithuania: 19,560 EUR millionLithuania19,560Slovenia: 14,728.66 EUR millionSlovenia14,728.66Estonia: 14,501 EUR millionEstonia14,501Cyprus: 10,803 EUR millionCyprus10,803Malta: 10,635.09 EUR millionMalta10,635.09Latvia: 6,858 EUR millionLatvia6,858Germany: 2,096,232 EUR millionGermany2,096,232France: 1,569,426 EUR millionFrance1,569,426Spain: 715,671 EUR millionSpain715,671Italy: 683,751 EUR millionItaly683,751Netherlands: 650,531 EUR millionNetherlands650,531Belgium: 272,152 EUR millionBelgium272,152Austria: 195,565 EUR millionAustria195,565Portugal: 145,974.06 EUR millionPortugal145,974.06Finland: 143,514 EUR millionFinland143,514Ireland: 112,699 EUR millionIreland112,699Luxembourg: 66,706 EUR millionLuxembourg66,706Slovakia: 58,054.95 EUR millionSlovakia58,054.95Greece: 37,983 EUR millionGreece37,983Bulgaria: 28,388.47 EUR millionBulgaria28,388.47Croatia: 27,302 EUR millionCroatia27,302Lithuania: 19,560 EUR millionLithuania19,560Slovenia: 14,728.66 EUR millionSlovenia14,728.66Estonia: 14,501 EUR millionEstonia14,501Cyprus: 10,803 EUR millionCyprus10,803Malta: 10,635.09 EUR millionMalta10,635.09Latvia: 6,858 EUR millionLatvia6,858
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 countriesNovember 2025
EUR million		Change on November 2024
1Germany2,096,232+1.9%
2France1,569,426+0.4%
3Spain715,671+3.6%
4Italy683,751+2.3%
5Netherlands650,531+5.2%
6Belgium272,152+2.2%
7Austria195,565+1.2%
8Portugal145,974.06+9%
9Finland143,514+0.1%
10Ireland112,699+8.6%
11Luxembourg66,706+6.6%
12Slovakia58,054.95+6.9%
13Greece37,983-5.1%
14Bulgaria28,388.47+20.8%
15Croatia27,302+12.5%
16Lithuania19,560+19.2%
17Slovenia14,728.66+7.5%
18Estonia14,501+9.9%
19Cyprus10,803+1.1%
20Malta10,635.09+9.8%
21Latvia6,858+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, 2025-11) [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, 2025-11. 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=2025-11. 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, 2025-11. 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=2025-11.

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, 2025-11 [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=2025-11 (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, 2025-11}},
  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=2025-11. 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, 2025-11
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=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries?period=2025-11.
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 €2.1 trillion in November 2025, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances?

Latvia, with €6.86 billion in November 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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