EU countries by MFI household loan balances

Germany had the highest MFI household loan balances of 21 EU countries in December 2025, at €2.1 trillion. Latvia had the lowest, at €6.88 billion. The median was €66.43 billion. Source: the European Central Bank.

Highest2,098,874Germany

Lowest6,882Latvia

Median66,42621 EU countries

Map of EU countries, December 2025

Under 10K
10K to 40K
40K to 140K
140K to 650K
650K and over
No data

EUR million, December 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, December 2025

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

Rank	EU countries	December 2025 EUR million	Change on December 2024
1	Germany	2,098,874	+2%
2	France	1,574,421	+0.5%
3	Spain	707,834	+4%
4	Italy	684,853	+2.4%
5	Netherlands	654,421	+6%
6	Belgium	273,198	+2.3%
7	Austria	196,149	+1.2%
8	Portugal	147,037.53	+9.1%
9	Finland	143,159	-0%
10	Ireland	113,560	+8.9%
11	Luxembourg	66,426	+5.2%
12	Slovakia	58,368.17	+7%
13	Greece	38,087	-2.6%
14	Bulgaria	28,763.44	+20.9%
15	Croatia	27,477	+12.9%
16	Lithuania	19,779	+19.5%
17	Slovenia	14,753.18	+7.5%
18	Estonia	14,624	+10.1%
19	Cyprus	10,851	+0.6%
20	Malta	10,694.75	+9.6%
21	Latvia	6,882	+11.5%

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, 2025-12) [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, 2025-12. 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=2025-12. 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, 2025-12. 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=2025-12.

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, 2025-12 [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=2025-12 (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, 2025-12}},
  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=2025-12. 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, 2025-12
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=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries?period=2025-12.
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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Questions

Which EU country has the highest MFI household loan balances?

Germany, with €2.1 trillion in December 2025, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances?

Latvia, with €6.88 billion in December 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.