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 March 2026, at €2.1 trillion. Latvia had the lowest, at €7.02 billion. The median was €67.07 billion. Source: the European Central Bank.

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Highest2,103,604Germany
Lowest7,020Latvia
Median67,06721 EU countries

Map of EU countries, March 2026

Austria: 196,702 EUR millionBelgium: 275,257 EUR millionBulgaria: 29,913.26 EUR millionCyprus: 10,710 EUR millionGermany: 2,103,604 EUR millionEstonia: 14,896 EUR millionSpain: 711,766 EUR millionFinland: 142,825 EUR millionFrance: 1,573,160 EUR millionGreece: 37,824 EUR millionCroatia: 28,166 EUR millionIreland: 114,396 EUR millionItaly: 688,773 EUR millionLithuania: 20,602 EUR millionLuxembourg: 67,067 EUR millionLatvia: 7,020 EUR millionMalta: 10,967.02 EUR millionNetherlands: 662,949 EUR millionPortugal: 150,682.95 EUR millionSlovenia: 15,050.9 EUR millionSlovakia: 59,335.16 EUR million
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EUR million, March 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, March 2026

Germany: 2,103,604 EUR millionGermany2,103,604France: 1,573,160 EUR millionFrance1,573,160Spain: 711,766 EUR millionSpain711,766Italy: 688,773 EUR millionItaly688,773Netherlands: 662,949 EUR millionNetherlands662,949Belgium: 275,257 EUR millionBelgium275,257Austria: 196,702 EUR millionAustria196,702Portugal: 150,682.95 EUR millionPortugal150,682.95Finland: 142,825 EUR millionFinland142,825Ireland: 114,396 EUR millionIreland114,396Luxembourg: 67,067 EUR millionLuxembourg67,067Slovakia: 59,335.16 EUR millionSlovakia59,335.16Greece: 37,824 EUR millionGreece37,824Bulgaria: 29,913.26 EUR millionBulgaria29,913.26Croatia: 28,166 EUR millionCroatia28,166Lithuania: 20,602 EUR millionLithuania20,602Slovenia: 15,050.9 EUR millionSlovenia15,050.9Estonia: 14,896 EUR millionEstonia14,896Malta: 10,967.02 EUR millionMalta10,967.02Cyprus: 10,710 EUR millionCyprus10,710Latvia: 7,020 EUR millionLatvia7,020Germany: 2,103,604 EUR millionGermany2,103,604France: 1,573,160 EUR millionFrance1,573,160Spain: 711,766 EUR millionSpain711,766Italy: 688,773 EUR millionItaly688,773Netherlands: 662,949 EUR millionNetherlands662,949Belgium: 275,257 EUR millionBelgium275,257Austria: 196,702 EUR millionAustria196,702Portugal: 150,682.95 EUR millionPortugal150,682.95Finland: 142,825 EUR millionFinland142,825Ireland: 114,396 EUR millionIreland114,396Luxembourg: 67,067 EUR millionLuxembourg67,067Slovakia: 59,335.16 EUR millionSlovakia59,335.16Greece: 37,824 EUR millionGreece37,824Bulgaria: 29,913.26 EUR millionBulgaria29,913.26Croatia: 28,166 EUR millionCroatia28,166Lithuania: 20,602 EUR millionLithuania20,602Slovenia: 15,050.9 EUR millionSlovenia15,050.9Estonia: 14,896 EUR millionEstonia14,896Malta: 10,967.02 EUR millionMalta10,967.02Cyprus: 10,710 EUR millionCyprus10,710Latvia: 7,020 EUR millionLatvia7,020
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 countriesMarch 2026
EUR million		Change on March 2025
1Germany2,103,604+2%
2France1,573,160+0.3%
3Spain711,766+4%
4Italy688,773+2.6%
5Netherlands662,949+5.8%
6Belgium275,257+4.3%
7Austria196,702+1.6%
8Portugal150,682.95+9.8%
9Finland142,825-0.2%
10Ireland114,396+9%
11Luxembourg67,067+5.5%
12Slovakia59,335.16+7.9%
13Greece37,824-2.5%
14Bulgaria29,913.26+20.6%
15Croatia28,166+12.5%
16Lithuania20,602+20.4%
17Slovenia15,050.9+8%
18Estonia14,896+10.3%
19Malta10,967.02+9.9%
20Cyprus10,710+0.3%
21Latvia7,020+12%

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, 2026-03) [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, 2026-03. 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=2026-03. 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, 2026-03. 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=2026-03.

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, 2026-03 [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=2026-03 (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, 2026-03}},
  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=2026-03. 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, 2026-03
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=2026-03
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-loan-balances/eu-countries?period=2026-03.
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 March 2026, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances?

Latvia, with €7.02 billion in March 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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