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 December 2025, at €250.7 billion. Latvia had the lowest, at €337 million. The median was €11.9 billion. Source: the European Central Bank.

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Highest250,702Germany
Lowest337Latvia
Median11,89921 EU countries

Map of EU countries, December 2025

Austria: 39,558 EUR millionBelgium: 11,899 EUR millionBulgaria: 349.91 EUR millionCyprus: 917 EUR millionGermany: 250,702 EUR millionEstonia: 514 EUR millionSpain: 77,691 EUR millionFinland: 19,321 EUR millionFrance: 80,065 EUR millionGreece: 4,045 EUR millionCroatia: 12,378 EUR millionIreland: 5,176 EUR millionItaly: 112,435 EUR millionLithuania: 1,438 EUR millionLuxembourg: 13,282 EUR millionLatvia: 337 EUR millionMalta: 484.7 EUR millionNetherlands: 17,899 EUR millionPortugal: 12,745.56 EUR millionSlovenia: 1,743.05 EUR millionSlovakia: 7,626.36 EUR million
  • Under 1,000
  • 1,000 to 5,000
  • 5,000 to 13K
  • 13K to 40K
  • 40K and over
  • No data
EUR million, December 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, December 2025

Germany: 250,702 EUR millionGermany250,702Italy: 112,435 EUR millionItaly112,435France: 80,065 EUR millionFrance80,065Spain: 77,691 EUR millionSpain77,691Austria: 39,558 EUR millionAustria39,558Finland: 19,321 EUR millionFinland19,321Netherlands: 17,899 EUR millionNetherlands17,899Luxembourg: 13,282 EUR millionLuxembourg13,282Portugal: 12,745.56 EUR millionPortugal12,745.56Croatia: 12,378 EUR millionCroatia12,378Belgium: 11,899 EUR millionBelgium11,899Slovakia: 7,626.36 EUR millionSlovakia7,626.36Ireland: 5,176 EUR millionIreland5,176Greece: 4,045 EUR millionGreece4,045Slovenia: 1,743.05 EUR millionSlovenia1,743.05Lithuania: 1,438 EUR millionLithuania1,438Cyprus: 917 EUR millionCyprus917Estonia: 514 EUR millionEstonia514Malta: 484.7 EUR millionMalta484.7Bulgaria: 349.91 EUR millionBulgaria349.91Latvia: 337 EUR millionLatvia337Germany: 250,702 EUR millionGermany250,702Italy: 112,435 EUR millionItaly112,435France: 80,065 EUR millionFrance80,065Spain: 77,691 EUR millionSpain77,691Austria: 39,558 EUR millionAustria39,558Finland: 19,321 EUR millionFinland19,321Netherlands: 17,899 EUR millionNetherlands17,899Luxembourg: 13,282 EUR millionLuxembourg13,282Portugal: 12,745.56 EUR millionPortugal12,745.56Croatia: 12,378 EUR millionCroatia12,378Belgium: 11,899 EUR millionBelgium11,899Slovakia: 7,626.36 EUR millionSlovakia7,626.36Ireland: 5,176 EUR millionIreland5,176Greece: 4,045 EUR millionGreece4,045Slovenia: 1,743.05 EUR millionSlovenia1,743.05Lithuania: 1,438 EUR millionLithuania1,438Cyprus: 917 EUR millionCyprus917Estonia: 514 EUR millionEstonia514Malta: 484.7 EUR millionMalta484.7Bulgaria: 349.91 EUR millionBulgaria349.91Latvia: 337 EUR millionLatvia337
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 countriesDecember 2025
EUR million		Change on December 2024
1Germany250,702-1.6%
2Italy112,435-2.9%
3France80,065+2.1%
4Spain77,691-2.9%
5Austria39,558-0.4%
6Finland19,321+1.3%
7Netherlands17,899-1%
8Luxembourg13,282+8.4%
9Portugal12,745.56+9.6%
10Croatia12,378+11.4%
11Belgium11,899-8.2%
12Slovakia7,626.36+5.7%
13Ireland5,176-2.2%
14Greece4,045-5.4%
15Slovenia1,743.05-0.8%
16Lithuania1,438+9.5%
17Cyprus917-11.5%
18Estonia514+25.7%
19Malta484.7+8%
20Bulgaria349.91+4.3%
21Latvia337+11.6%

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, 2025-12) [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, 2025-12. 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=2025-12. 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, 2025-12. 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=2025-12.

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, 2025-12 [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=2025-12 (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, 2025-12}},
  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=2025-12. 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, 2025-12
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=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2025-12.
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 €250.7 billion in December 2025, according to the European Central Bank.

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

Latvia, with €337 million in December 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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