Data / Rankings / MFI household loan balances for other purposes / EU countries

EU countries by MFI household loan balances for other purposes

Germany had the highest MFI household loan balances for other purposes of 21 EU countries in September 2025, at €252.08 billion. Latvia had the lowest, at €338 million. The median was €12.17 billion. Source: the European Central Bank.

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Highest252,075Germany
Lowest338Latvia
Median12,16821 EU countries

Map of EU countries, September 2025

Austria: 39,677 EUR millionBelgium: 12,204 EUR millionBulgaria: 355.8 EUR millionCyprus: 958 EUR millionGermany: 252,075 EUR millionEstonia: 480 EUR millionSpain: 77,894 EUR millionFinland: 19,579 EUR millionFrance: 79,645 EUR millionGreece: 4,024 EUR millionCroatia: 12,168 EUR millionIreland: 5,356 EUR millionItaly: 112,702 EUR millionLithuania: 1,442 EUR millionLuxembourg: 12,857 EUR millionLatvia: 338 EUR millionMalta: 476.83 EUR millionNetherlands: 18,217 EUR millionPortugal: 12,487.17 EUR millionSlovenia: 1,770.91 EUR millionSlovakia: 7,515.51 EUR million
  • Under 1,000
  • 1,000 to 5,000
  • 5,000 to 12K
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EUR million, September 2025. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, September 2025

Germany: 252,075 EUR millionGermany252,075Italy: 112,702 EUR millionItaly112,702France: 79,645 EUR millionFrance79,645Spain: 77,894 EUR millionSpain77,894Austria: 39,677 EUR millionAustria39,677Finland: 19,579 EUR millionFinland19,579Netherlands: 18,217 EUR millionNetherlands18,217Luxembourg: 12,857 EUR millionLuxembourg12,857Portugal: 12,487.17 EUR millionPortugal12,487.17Belgium: 12,204 EUR millionBelgium12,204Croatia: 12,168 EUR millionCroatia12,168Slovakia: 7,515.51 EUR millionSlovakia7,515.51Ireland: 5,356 EUR millionIreland5,356Greece: 4,024 EUR millionGreece4,024Slovenia: 1,770.91 EUR millionSlovenia1,770.91Lithuania: 1,442 EUR millionLithuania1,442Cyprus: 958 EUR millionCyprus958Estonia: 480 EUR millionEstonia480Malta: 476.83 EUR millionMalta476.83Bulgaria: 355.8 EUR millionBulgaria355.8Latvia: 338 EUR millionLatvia338Germany: 252,075 EUR millionGermany252,075Italy: 112,702 EUR millionItaly112,702France: 79,645 EUR millionFrance79,645Spain: 77,894 EUR millionSpain77,894Austria: 39,677 EUR millionAustria39,677Finland: 19,579 EUR millionFinland19,579Netherlands: 18,217 EUR millionNetherlands18,217Luxembourg: 12,857 EUR millionLuxembourg12,857Portugal: 12,487.17 EUR millionPortugal12,487.17Belgium: 12,204 EUR millionBelgium12,204Croatia: 12,168 EUR millionCroatia12,168Slovakia: 7,515.51 EUR millionSlovakia7,515.51Ireland: 5,356 EUR millionIreland5,356Greece: 4,024 EUR millionGreece4,024Slovenia: 1,770.91 EUR millionSlovenia1,770.91Lithuania: 1,442 EUR millionLithuania1,442Cyprus: 958 EUR millionCyprus958Estonia: 480 EUR millionEstonia480Malta: 476.83 EUR millionMalta476.83Bulgaria: 355.8 EUR millionBulgaria355.8Latvia: 338 EUR millionLatvia338
EUR million. Source: ECB, ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesSeptember 2025
EUR million		Change on September 2024
1Germany252,075+1%
2Italy112,702-4.1%
3France79,645+2%
4Spain77,894-3%
5Austria39,677-0.5%
6Finland19,579+2.1%
7Netherlands18,217-12.8%
8Luxembourg12,857+4.2%
9Portugal12,487.17+9%
10Belgium12,204-5.5%
11Croatia12,168+12.7%
12Slovakia7,515.51+5%
13Ireland5,356-0.1%
14Greece4,024-12.7%
15Slovenia1,770.91+1.7%
16Lithuania1,442+7.5%
17Cyprus958-9.4%
18Estonia480+19.7%
19Malta476.83+7.9%
20Bulgaria355.8+13.9%
21Latvia338+11.2%

Other periods

About this ranking

End-of-month stock of loans for purposes other than house purchase or consumption from resident MFIs excluding central banks to 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 for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.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.A23.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 for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E) (EU countries by MFI household loan balances for other purposes, 2025-09) [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.A23.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E), EU countries by MFI household loan balances for other purposes, 2025-09. 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.A23.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-09. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E). EU countries by MFI household loan balances for other purposes, 2025-09. 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.A23.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-09.

Harvard

European Central Bank (no date) ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E), EU countries by MFI household loan balances for other purposes, 2025-09 [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.A23.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-09 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E): EU countries by MFI household loan balances for other purposes, 2025-09}},
  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.A23.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-09. Publisher attribution: European Central Bank. ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.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.A23.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 for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E): EU countries by MFI household loan balances for other purposes, 2025-09
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.A23.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-09.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household loan balances for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.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.A23.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 for other purposes using official data, and cite the source.
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Questions

Which EU country has the highest MFI household loan balances for other purposes?

Germany, with €252.08 billion in September 2025, according to the European Central Bank.

Which EU country has the lowest MFI household loan balances for other purposes?

Latvia, with €338 million in September 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 for other purposes, unadjusted end-period stock (M.<area>.N.A.A23.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

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