Data / Rankings / MFI household term deposit balances, maturity over 2 years / EU countries

EU countries by MFI household term deposit balances, maturity over 2 years

France had the highest MFI household term deposit balances, maturity over 2 years of 21 EU countries in December 2025, at €317.5 billion. Latvia had the lowest, at €156 million. The median was €3.29 billion. Source: the European Central Bank.

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Highest317,498France
Lowest156Latvia
Median3,29221 EU countries

Map of EU countries, December 2025

Austria: 27,469 EUR millionBelgium: 7,398 EUR millionBulgaria: 1,467.1 EUR millionCyprus: 193 EUR millionGermany: 271,442 EUR millionEstonia: 793 EUR millionSpain: 6,788 EUR millionFinland: 3,956 EUR millionFrance: 317,498 EUR millionGreece: 1,026 EUR millionCroatia: 1,895 EUR millionIreland: 1,235 EUR millionItaly: 25,282 EUR millionLithuania: 386 EUR millionLuxembourg: 3,292 EUR millionLatvia: 156 EUR millionMalta: 1,131.53 EUR millionNetherlands: 55,272 EUR millionPortugal: 3,740.3 EUR millionSlovenia: 477.44 EUR millionSlovakia: 4,340.73 EUR million
  • Under 1,000
  • 1,000 to 4,000
  • 4,000 to 25K
  • 25K and over
  • No data
EUR million, December 2025. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, December 2025

France: 317,498 EUR millionFrance317,498Germany: 271,442 EUR millionGermany271,442Netherlands: 55,272 EUR millionNetherlands55,272Austria: 27,469 EUR millionAustria27,469Italy: 25,282 EUR millionItaly25,282Belgium: 7,398 EUR millionBelgium7,398Spain: 6,788 EUR millionSpain6,788Slovakia: 4,340.73 EUR millionSlovakia4,340.73Finland: 3,956 EUR millionFinland3,956Portugal: 3,740.3 EUR millionPortugal3,740.3Luxembourg: 3,292 EUR millionLuxembourg3,292Croatia: 1,895 EUR millionCroatia1,895Bulgaria: 1,467.1 EUR millionBulgaria1,467.1Ireland: 1,235 EUR millionIreland1,235Malta: 1,131.53 EUR millionMalta1,131.53Greece: 1,026 EUR millionGreece1,026Estonia: 793 EUR millionEstonia793Slovenia: 477.44 EUR millionSlovenia477.44Lithuania: 386 EUR millionLithuania386Cyprus: 193 EUR millionCyprus193Latvia: 156 EUR millionLatvia156France: 317,498 EUR millionFrance317,498Germany: 271,442 EUR millionGermany271,442Netherlands: 55,272 EUR millionNetherlands55,272Austria: 27,469 EUR millionAustria27,469Italy: 25,282 EUR millionItaly25,282Belgium: 7,398 EUR millionBelgium7,398Spain: 6,788 EUR millionSpain6,788Slovakia: 4,340.73 EUR millionSlovakia4,340.73Finland: 3,956 EUR millionFinland3,956Portugal: 3,740.3 EUR millionPortugal3,740.3Luxembourg: 3,292 EUR millionLuxembourg3,292Croatia: 1,895 EUR millionCroatia1,895Bulgaria: 1,467.1 EUR millionBulgaria1,467.1Ireland: 1,235 EUR millionIreland1,235Malta: 1,131.53 EUR millionMalta1,131.53Greece: 1,026 EUR millionGreece1,026Estonia: 793 EUR millionEstonia793Slovenia: 477.44 EUR millionSlovenia477.44Lithuania: 386 EUR millionLithuania386Cyprus: 193 EUR millionCyprus193Latvia: 156 EUR millionLatvia156
EUR million. Source: ECB, ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesDecember 2025
EUR million		Change on December 2024
1France317,498-3%
2Germany271,442+8.2%
3Netherlands55,272+4.5%
4Austria27,469+11.8%
5Italy25,282+1.7%
6Belgium7,398+11.9%
7Spain6,788+5.5%
8Slovakia4,340.73+0.3%
9Finland3,956+140.2%
10Portugal3,740.3-4.3%
11Luxembourg3,292+28.7%
12Croatia1,895-9.8%
13Bulgaria1,467.1+5.4%
14Ireland1,235+5.1%
15Malta1,131.53+2.7%
16Greece1,026-15%
17Estonia793+0.9%
18Slovenia477.44-7.8%
19Lithuania386-19.8%
20Cyprus193+3.2%
21Latvia156-27.8%

Other periods

About this ranking

End-of-month stock of deposits with agreed original maturity over 2 years placed by households resident in the euro area with resident MFIs excluding central banks, in EUR millions.

Maturity bands describe original contractual maturity, not remaining maturity or the period for which the interest rate is fixed. 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 term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.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.L22.H.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 term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E) (EU countries by MFI household term deposit balances, maturity over 2 years, 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.L22.H.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E), EU countries by MFI household term deposit balances, maturity over 2 years, 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.L22.H.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances-over-two-years/eu-countries?period=2025-12. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E). EU countries by MFI household term deposit balances, maturity over 2 years, 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.L22.H.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances-over-two-years/eu-countries?period=2025-12.

Harvard

European Central Bank (no date) ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E), EU countries by MFI household term deposit balances, maturity over 2 years, 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.L22.H.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-term-deposit-balances-over-two-years/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 term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E): EU countries by MFI household term deposit balances, maturity over 2 years, 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.L22.H.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances-over-two-years/eu-countries?period=2025-12. Publisher attribution: European Central Bank. ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.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.L22.H.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E): EU countries by MFI household term deposit balances, maturity over 2 years, 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.L22.H.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-term-deposit-balances-over-two-years/eu-countries?period=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances-over-two-years/eu-countries?period=2025-12.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.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.L22.H.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Questions

Which EU country has the highest MFI household term deposit balances, maturity over 2 years?

France, with €317.5 billion in December 2025, according to the European Central Bank.

Which EU country has the lowest MFI household term deposit balances, maturity over 2 years?

Latvia, with €156 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 term deposit balances, maturity over 2 years, unadjusted end-period stock (M.<area>.N.A.L22.H.1.U2.2250.Z01.E). Retrieved 2026-10-12.

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