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 November 2025, at €251.53 billion. Latvia had the lowest, at €340 million. The median was €12.2 billion. Source: the European Central Bank.

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Highest251,526Germany
Lowest340Latvia
Median12,19821 EU countries

Map of EU countries, November 2025

Austria: 39,641 EUR millionBelgium: 12,198 EUR millionBulgaria: 360.28 EUR millionCyprus: 927 EUR millionGermany: 251,526 EUR millionEstonia: 505 EUR millionSpain: 89,011 EUR millionFinland: 19,521 EUR millionFrance: 79,656 EUR millionGreece: 3,909 EUR millionCroatia: 12,350 EUR millionIreland: 5,233 EUR millionItaly: 112,875 EUR millionLithuania: 1,451 EUR millionLuxembourg: 13,092 EUR millionLatvia: 340 EUR millionMalta: 484.29 EUR millionNetherlands: 17,979 EUR millionPortugal: 12,697.58 EUR millionSlovenia: 1,785.36 EUR millionSlovakia: 7,590.4 EUR million
  • Under 1,000
  • 1,000 to 5,000
  • 5,000 to 13K
  • 13K to 40K
  • 40K and over
  • No data
EUR million, November 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, November 2025

Germany: 251,526 EUR millionGermany251,526Italy: 112,875 EUR millionItaly112,875Spain: 89,011 EUR millionSpain89,011France: 79,656 EUR millionFrance79,656Austria: 39,641 EUR millionAustria39,641Finland: 19,521 EUR millionFinland19,521Netherlands: 17,979 EUR millionNetherlands17,979Luxembourg: 13,092 EUR millionLuxembourg13,092Portugal: 12,697.58 EUR millionPortugal12,697.58Croatia: 12,350 EUR millionCroatia12,350Belgium: 12,198 EUR millionBelgium12,198Slovakia: 7,590.4 EUR millionSlovakia7,590.4Ireland: 5,233 EUR millionIreland5,233Greece: 3,909 EUR millionGreece3,909Slovenia: 1,785.36 EUR millionSlovenia1,785.36Lithuania: 1,451 EUR millionLithuania1,451Cyprus: 927 EUR millionCyprus927Estonia: 505 EUR millionEstonia505Malta: 484.29 EUR millionMalta484.29Bulgaria: 360.28 EUR millionBulgaria360.28Latvia: 340 EUR millionLatvia340Germany: 251,526 EUR millionGermany251,526Italy: 112,875 EUR millionItaly112,875Spain: 89,011 EUR millionSpain89,011France: 79,656 EUR millionFrance79,656Austria: 39,641 EUR millionAustria39,641Finland: 19,521 EUR millionFinland19,521Netherlands: 17,979 EUR millionNetherlands17,979Luxembourg: 13,092 EUR millionLuxembourg13,092Portugal: 12,697.58 EUR millionPortugal12,697.58Croatia: 12,350 EUR millionCroatia12,350Belgium: 12,198 EUR millionBelgium12,198Slovakia: 7,590.4 EUR millionSlovakia7,590.4Ireland: 5,233 EUR millionIreland5,233Greece: 3,909 EUR millionGreece3,909Slovenia: 1,785.36 EUR millionSlovenia1,785.36Lithuania: 1,451 EUR millionLithuania1,451Cyprus: 927 EUR millionCyprus927Estonia: 505 EUR millionEstonia505Malta: 484.29 EUR millionMalta484.29Bulgaria: 360.28 EUR millionBulgaria360.28Latvia: 340 EUR millionLatvia340
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 countriesNovember 2025
EUR million		Change on November 2024
1Germany251,526-1.6%
2Italy112,875-3.2%
3Spain89,011-2.2%
4France79,656+2.2%
5Austria39,641-0.2%
6Finland19,521+2.4%
7Netherlands17,979-13.1%
8Luxembourg13,092+9.1%
9Portugal12,697.58+10.4%
10Croatia12,350+11.3%
11Belgium12,198-5.3%
12Slovakia7,590.4+5.5%
13Ireland5,233-3.8%
14Greece3,909-14.4%
15Slovenia1,785.36+0.8%
16Lithuania1,451+8.8%
17Cyprus927-10.3%
18Estonia505+24.7%
19Malta484.29+10.1%
20Bulgaria360.28+8%
21Latvia340+13.3%

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, 2025-11) [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, 2025-11. 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=2025-11. 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, 2025-11. 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=2025-11.

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, 2025-11 [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=2025-11 (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, 2025-11}},
  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=2025-11. 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, 2025-11
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=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-11.
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 €251.53 billion in November 2025, according to the European Central Bank.

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

Latvia, with €340 million in November 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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