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 February 2026, at €2.1 trillion. Latvia had the lowest, at €6.95 billion. The median was €66.16 billion. Source: the European Central Bank.

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Highest2,100,499Germany
Lowest6,949Latvia
Median66,15521 EU countries

Map of EU countries, February 2026

Austria: 195,335 EUR millionBelgium: 274,158 EUR millionBulgaria: 29,385.41 EUR millionCyprus: 10,666 EUR millionGermany: 2,100,499 EUR millionEstonia: 14,771 EUR millionSpain: 710,970 EUR millionFinland: 142,937 EUR millionFrance: 1,569,620 EUR millionGreece: 37,873 EUR millionCroatia: 27,834 EUR millionIreland: 113,793 EUR millionItaly: 685,254 EUR millionLithuania: 20,263 EUR millionLuxembourg: 66,155 EUR millionLatvia: 6,949 EUR millionMalta: 10,888.01 EUR millionNetherlands: 660,445 EUR millionPortugal: 148,846.02 EUR millionSlovenia: 14,889.74 EUR millionSlovakia: 58,882.3 EUR million
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EUR million, February 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, February 2026

Germany: 2,100,499 EUR millionGermany2,100,499France: 1,569,620 EUR millionFrance1,569,620Spain: 710,970 EUR millionSpain710,970Italy: 685,254 EUR millionItaly685,254Netherlands: 660,445 EUR millionNetherlands660,445Belgium: 274,158 EUR millionBelgium274,158Austria: 195,335 EUR millionAustria195,335Portugal: 148,846.02 EUR millionPortugal148,846.02Finland: 142,937 EUR millionFinland142,937Ireland: 113,793 EUR millionIreland113,793Luxembourg: 66,155 EUR millionLuxembourg66,155Slovakia: 58,882.3 EUR millionSlovakia58,882.3Greece: 37,873 EUR millionGreece37,873Bulgaria: 29,385.41 EUR millionBulgaria29,385.41Croatia: 27,834 EUR millionCroatia27,834Lithuania: 20,263 EUR millionLithuania20,263Slovenia: 14,889.74 EUR millionSlovenia14,889.74Estonia: 14,771 EUR millionEstonia14,771Malta: 10,888.01 EUR millionMalta10,888.01Cyprus: 10,666 EUR millionCyprus10,666Latvia: 6,949 EUR millionLatvia6,949Germany: 2,100,499 EUR millionGermany2,100,499France: 1,569,620 EUR millionFrance1,569,620Spain: 710,970 EUR millionSpain710,970Italy: 685,254 EUR millionItaly685,254Netherlands: 660,445 EUR millionNetherlands660,445Belgium: 274,158 EUR millionBelgium274,158Austria: 195,335 EUR millionAustria195,335Portugal: 148,846.02 EUR millionPortugal148,846.02Finland: 142,937 EUR millionFinland142,937Ireland: 113,793 EUR millionIreland113,793Luxembourg: 66,155 EUR millionLuxembourg66,155Slovakia: 58,882.3 EUR millionSlovakia58,882.3Greece: 37,873 EUR millionGreece37,873Bulgaria: 29,385.41 EUR millionBulgaria29,385.41Croatia: 27,834 EUR millionCroatia27,834Lithuania: 20,263 EUR millionLithuania20,263Slovenia: 14,889.74 EUR millionSlovenia14,889.74Estonia: 14,771 EUR millionEstonia14,771Malta: 10,888.01 EUR millionMalta10,888.01Cyprus: 10,666 EUR millionCyprus10,666Latvia: 6,949 EUR millionLatvia6,949
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 countriesFebruary 2026
EUR million		Change on February 2025
1Germany2,100,499+2%
2France1,569,620+0.3%
3Spain710,970+4.3%
4Italy685,254+2.5%
5Netherlands660,445+5.9%
6Belgium274,158+2%
7Austria195,335+1.5%
8Portugal148,846.02+9.4%
9Finland142,937-0.1%
10Ireland113,793+9.1%
11Luxembourg66,155+4.9%
12Slovakia58,882.3+7.6%
13Greece37,873-2.4%
14Bulgaria29,385.41+20.5%
15Croatia27,834+12.5%
16Lithuania20,263+20%
17Slovenia14,889.74+7.8%
18Estonia14,771+10.1%
19Malta10,888.01+9.9%
20Cyprus10,666-0.9%
21Latvia6,949+11.8%

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, 2026-02) [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, 2026-02. 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=2026-02. 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, 2026-02. 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=2026-02.

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, 2026-02 [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=2026-02 (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, 2026-02}},
  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=2026-02. 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, 2026-02
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=2026-02
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries?period=2026-02.
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 February 2026, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances?

Latvia, with €6.95 billion in February 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.

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