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 July 2026, at €248.8 billion. Latvia had the lowest, at €335 million. The median was €12.38 billion. Source: the European Central Bank.

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Highest248,801Germany
Lowest335Latvia
Median12,38321 EU countries

Map of EU countries, July 2026

Austria: 39,557 EUR millionBelgium: 12,383 EUR millionBulgaria: 371.08 EUR millionCyprus: 758 EUR millionGermany: 248,801 EUR millionEstonia: 538 EUR millionSpain: 65,862 EUR millionFinland: 19,495 EUR millionFrance: 81,905 EUR millionGreece: 3,828 EUR millionCroatia: 13,146 EUR millionIreland: 5,252 EUR millionItaly: 110,797 EUR millionLithuania: 1,457 EUR millionLuxembourg: 14,186 EUR millionLatvia: 335 EUR millionMalta: 502.33 EUR millionNetherlands: 18,498 EUR millionPortugal: 13,299.41 EUR millionSlovenia: 1,731.17 EUR millionSlovakia: 7,939.88 EUR million
  • Under 1,000
  • 1,000 to 5,000
  • 5,000 to 13K
  • 13K to 40K
  • 40K and over
  • No data
EUR million, July 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, July 2026

Germany: 248,801 EUR millionGermany248,801Italy: 110,797 EUR millionItaly110,797France: 81,905 EUR millionFrance81,905Spain: 65,862 EUR millionSpain65,862Austria: 39,557 EUR millionAustria39,557Finland: 19,495 EUR millionFinland19,495Netherlands: 18,498 EUR millionNetherlands18,498Luxembourg: 14,186 EUR millionLuxembourg14,186Portugal: 13,299.41 EUR millionPortugal13,299.41Croatia: 13,146 EUR millionCroatia13,146Belgium: 12,383 EUR millionBelgium12,383Slovakia: 7,939.88 EUR millionSlovakia7,939.88Ireland: 5,252 EUR millionIreland5,252Greece: 3,828 EUR millionGreece3,828Slovenia: 1,731.17 EUR millionSlovenia1,731.17Lithuania: 1,457 EUR millionLithuania1,457Cyprus: 758 EUR millionCyprus758Estonia: 538 EUR millionEstonia538Malta: 502.33 EUR millionMalta502.33Bulgaria: 371.08 EUR millionBulgaria371.08Latvia: 335 EUR millionLatvia335Germany: 248,801 EUR millionGermany248,801Italy: 110,797 EUR millionItaly110,797France: 81,905 EUR millionFrance81,905Spain: 65,862 EUR millionSpain65,862Austria: 39,557 EUR millionAustria39,557Finland: 19,495 EUR millionFinland19,495Netherlands: 18,498 EUR millionNetherlands18,498Luxembourg: 14,186 EUR millionLuxembourg14,186Portugal: 13,299.41 EUR millionPortugal13,299.41Croatia: 13,146 EUR millionCroatia13,146Belgium: 12,383 EUR millionBelgium12,383Slovakia: 7,939.88 EUR millionSlovakia7,939.88Ireland: 5,252 EUR millionIreland5,252Greece: 3,828 EUR millionGreece3,828Slovenia: 1,731.17 EUR millionSlovenia1,731.17Lithuania: 1,457 EUR millionLithuania1,457Cyprus: 758 EUR millionCyprus758Estonia: 538 EUR millionEstonia538Malta: 502.33 EUR millionMalta502.33Bulgaria: 371.08 EUR millionBulgaria371.08Latvia: 335 EUR millionLatvia335
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 countriesJuly 2026
EUR million		Change on July 2025
1Germany248,801-1.4%
2Italy110,797-2.3%
3France81,905+2.8%
4Spain65,862-17%
5Austria39,557+0.4%
6Finland19,495+0.4%
7Netherlands18,498+1.9%
8Luxembourg14,186+12.5%
9Portugal13,299.41+8%
10Croatia13,146+8.8%
11Belgium12,383+2.2%
12Slovakia7,939.88+6.8%
13Ireland5,252-2.9%
14Greece3,828-4.3%
15Slovenia1,731.17-0%
16Lithuania1,457+3%
17Cyprus758-22.7%
18Estonia538+16.7%
19Malta502.33+9.2%
20Bulgaria371.08+5.7%
21Latvia335+6.7%

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, 2026-07) [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, 2026-07. 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=2026-07. 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, 2026-07. 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=2026-07.

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, 2026-07 [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=2026-07 (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, 2026-07}},
  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=2026-07. 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, 2026-07
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=2026-07
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-other-loan-balances/eu-countries?period=2026-07.
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 €248.8 billion in July 2026, according to the European Central Bank.

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

Latvia, with €335 million in July 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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