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 October 2025, at €251.2 billion. Latvia had the lowest, at €339 million. The median was €12.17 billion. Source: the European Central Bank.

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Highest251,199Germany
Lowest339Latvia
Median12,17021 EU countries

Map of EU countries, October 2025

Austria: 39,511 EUR millionBelgium: 12,170 EUR millionBulgaria: 352.82 EUR millionCyprus: 942 EUR millionGermany: 251,199 EUR millionEstonia: 492 EUR millionSpain: 78,524 EUR millionFinland: 19,548 EUR millionFrance: 79,602 EUR millionGreece: 3,918 EUR millionCroatia: 12,290 EUR millionIreland: 5,299 EUR millionItaly: 112,469 EUR millionLithuania: 1,439 EUR millionLuxembourg: 13,006 EUR millionLatvia: 339 EUR millionMalta: 483.07 EUR millionNetherlands: 18,152 EUR millionPortugal: 12,588.36 EUR millionSlovenia: 1,790.63 EUR millionSlovakia: 7,565.59 EUR million
  • Under 1,000
  • 1,000 to 5,000
  • 5,000 to 13K
  • 13K to 40K
  • 40K and over
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EUR million, October 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, October 2025

Germany: 251,199 EUR millionGermany251,199Italy: 112,469 EUR millionItaly112,469France: 79,602 EUR millionFrance79,602Spain: 78,524 EUR millionSpain78,524Austria: 39,511 EUR millionAustria39,511Finland: 19,548 EUR millionFinland19,548Netherlands: 18,152 EUR millionNetherlands18,152Luxembourg: 13,006 EUR millionLuxembourg13,006Portugal: 12,588.36 EUR millionPortugal12,588.36Croatia: 12,290 EUR millionCroatia12,290Belgium: 12,170 EUR millionBelgium12,170Slovakia: 7,565.59 EUR millionSlovakia7,565.59Ireland: 5,299 EUR millionIreland5,299Greece: 3,918 EUR millionGreece3,918Slovenia: 1,790.63 EUR millionSlovenia1,790.63Lithuania: 1,439 EUR millionLithuania1,439Cyprus: 942 EUR millionCyprus942Estonia: 492 EUR millionEstonia492Malta: 483.07 EUR millionMalta483.07Bulgaria: 352.82 EUR millionBulgaria352.82Latvia: 339 EUR millionLatvia339Germany: 251,199 EUR millionGermany251,199Italy: 112,469 EUR millionItaly112,469France: 79,602 EUR millionFrance79,602Spain: 78,524 EUR millionSpain78,524Austria: 39,511 EUR millionAustria39,511Finland: 19,548 EUR millionFinland19,548Netherlands: 18,152 EUR millionNetherlands18,152Luxembourg: 13,006 EUR millionLuxembourg13,006Portugal: 12,588.36 EUR millionPortugal12,588.36Croatia: 12,290 EUR millionCroatia12,290Belgium: 12,170 EUR millionBelgium12,170Slovakia: 7,565.59 EUR millionSlovakia7,565.59Ireland: 5,299 EUR millionIreland5,299Greece: 3,918 EUR millionGreece3,918Slovenia: 1,790.63 EUR millionSlovenia1,790.63Lithuania: 1,439 EUR millionLithuania1,439Cyprus: 942 EUR millionCyprus942Estonia: 492 EUR millionEstonia492Malta: 483.07 EUR millionMalta483.07Bulgaria: 352.82 EUR millionBulgaria352.82Latvia: 339 EUR millionLatvia339
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 countriesOctober 2025
EUR million		Change on October 2024
1Germany251,199-1%
2Italy112,469-3.8%
3France79,602+1.9%
4Spain78,524-2.2%
5Austria39,511-0.3%
6Finland19,548+2.2%
7Netherlands18,152-12.5%
8Luxembourg13,006+9.4%
9Portugal12,588.36+8.8%
10Croatia12,290+11.7%
11Belgium12,170-5.3%
12Slovakia7,565.59+5.3%
13Ireland5,299-1.4%
14Greece3,918-13.9%
15Slovenia1,790.63+1.7%
16Lithuania1,439+7.1%
17Cyprus942-10.1%
18Estonia492+22.7%
19Malta483.07+7.6%
20Bulgaria352.82+8.5%
21Latvia339+13%

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, 2025-10) [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, 2025-10. 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=2025-10. 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, 2025-10. 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=2025-10.

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, 2025-10 [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=2025-10 (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, 2025-10}},
  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=2025-10. 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, 2025-10
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=2025-10
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-10.
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 €251.2 billion in October 2025, according to the European Central Bank.

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

Latvia, with €339 million in October 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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