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 January 2026, at €250.77 billion. Latvia had the lowest, at €301 million. The median was €11.97 billion. Source: the European Central Bank.

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Highest250,767Germany
Lowest301Latvia
Median11,97121 EU countries

Map of EU countries, January 2026

Austria: 39,478 EUR millionBelgium: 11,971 EUR millionBulgaria: 349.66 EUR millionCyprus: 833 EUR millionGermany: 250,767 EUR millionEstonia: 522 EUR millionSpain: 77,903 EUR millionFinland: 19,555 EUR millionFrance: 80,335 EUR millionGreece: 3,929 EUR millionCroatia: 12,413 EUR millionIreland: 5,168 EUR millionItaly: 111,573 EUR millionLithuania: 1,408 EUR millionLuxembourg: 13,325 EUR millionLatvia: 301 EUR millionMalta: 473.95 EUR millionNetherlands: 17,864 EUR millionPortugal: 12,812.87 EUR millionSlovenia: 1,740.53 EUR millionSlovakia: 7,648.19 EUR million
  • Under 1,000
  • 1,000 to 5,000
  • 5,000 to 13K
  • 13K to 39K
  • 39K and over
  • No data
EUR million, January 2026. 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, January 2026

Germany: 250,767 EUR millionGermany250,767Italy: 111,573 EUR millionItaly111,573France: 80,335 EUR millionFrance80,335Spain: 77,903 EUR millionSpain77,903Austria: 39,478 EUR millionAustria39,478Finland: 19,555 EUR millionFinland19,555Netherlands: 17,864 EUR millionNetherlands17,864Luxembourg: 13,325 EUR millionLuxembourg13,325Portugal: 12,812.87 EUR millionPortugal12,812.87Croatia: 12,413 EUR millionCroatia12,413Belgium: 11,971 EUR millionBelgium11,971Slovakia: 7,648.19 EUR millionSlovakia7,648.19Ireland: 5,168 EUR millionIreland5,168Greece: 3,929 EUR millionGreece3,929Slovenia: 1,740.53 EUR millionSlovenia1,740.53Lithuania: 1,408 EUR millionLithuania1,408Cyprus: 833 EUR millionCyprus833Estonia: 522 EUR millionEstonia522Malta: 473.95 EUR millionMalta473.95Bulgaria: 349.66 EUR millionBulgaria349.66Latvia: 301 EUR millionLatvia301Germany: 250,767 EUR millionGermany250,767Italy: 111,573 EUR millionItaly111,573France: 80,335 EUR millionFrance80,335Spain: 77,903 EUR millionSpain77,903Austria: 39,478 EUR millionAustria39,478Finland: 19,555 EUR millionFinland19,555Netherlands: 17,864 EUR millionNetherlands17,864Luxembourg: 13,325 EUR millionLuxembourg13,325Portugal: 12,812.87 EUR millionPortugal12,812.87Croatia: 12,413 EUR millionCroatia12,413Belgium: 11,971 EUR millionBelgium11,971Slovakia: 7,648.19 EUR millionSlovakia7,648.19Ireland: 5,168 EUR millionIreland5,168Greece: 3,929 EUR millionGreece3,929Slovenia: 1,740.53 EUR millionSlovenia1,740.53Lithuania: 1,408 EUR millionLithuania1,408Cyprus: 833 EUR millionCyprus833Estonia: 522 EUR millionEstonia522Malta: 473.95 EUR millionMalta473.95Bulgaria: 349.66 EUR millionBulgaria349.66Latvia: 301 EUR millionLatvia301
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 countriesJanuary 2026
EUR million		Change on January 2025
1Germany250,767-1.3%
2Italy111,573-3.1%
3France80,335+2%
4Spain77,903-2.7%
5Austria39,478+0.3%
6Finland19,555+0.9%
7Netherlands17,864-4.3%
8Luxembourg13,325+8.4%
9Portugal12,812.87+9.8%
10Croatia12,413+10.7%
11Belgium11,971-7.2%
12Slovakia7,648.19+6.2%
13Ireland5,168-1.3%
14Greece3,929-5.8%
15Slovenia1,740.53-0.3%
16Lithuania1,408+7.9%
17Cyprus833-19.1%
18Estonia522+26.7%
19Malta473.95+6.1%
20Bulgaria349.66+2.5%
21Latvia301-0.3%

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, 2026-01) [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, 2026-01. 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=2026-01. 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, 2026-01. 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=2026-01.

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, 2026-01 [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=2026-01 (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, 2026-01}},
  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=2026-01. 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, 2026-01
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=2026-01
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2026-01.
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 €250.77 billion in January 2026, according to the European Central Bank.

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

Latvia, with €301 million in January 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 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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