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2,017
· whole institutionFY2025
Annual budget
€453.8m
· total expenses before provisions (whole institution)FY2025
Supervised entities
153
· entities licensed under covered frameworks (FY2024)FY2025
Overview
The Bank of Greece is Greece's central bank and, under Article 55A of its Statute, the prudential supervisor of credit institutions, certain financial institutions, insurance and reinsurance undertakings, insurance distributors, occupational pension funds and institutions in liquidation. It is also the national resolution authority and Greece's macroprudential authority, and it supervises payment institutions and electronic money institutions. In 2025 it carried out 33 on-site inspections, issued 34 Executive Committee acts and 209 Credit and Insurance Committee decisions, and fined one credit institution €1,891,050 for thirteen breaches of the anti-money-laundering framework. The IMF completed a Financial Sector Assessment Program for Greece during the year and commended the standard of supervision the Bank exercises. Everything below is the Bank of Greece's own data, from its Annual Financial Report for 2025 and its Annual Report on Prudential Supervision and Resolution Activities 2025.
Bank of Greece is an integrated central bank. This figure covers the whole institution, including monetary policy, currency and reserve management functions alongside supervision, and is not directly comparable with standalone supervisory authorities.
Regulated sectors
Leadership
- Yannis StournarasGovernor · since 2014
Figures as published by Bank of Greece for FY2025. Source: Bank of Greece — Annual Report on Prudential Supervision and Resolution Activities 2025 (Published 29 July 2026). Data as of 31 December 2025. Supplementary: Governor's Annual Report for 2025 (Greek, April 2026).
Organisation (FY2025)
| Item | Value |
|---|---|
| Staff | 2,017 Headcount at 31 December 2025; whole-institution basis — monetary policy, statistics and cash functions alongside supervision. 2,010 at end-2024 |
| Total expenses before provisions | €453.8m FY2025, whole institution. Up 12.3% on FY2024 (€404.1m), driven mainly by staff and pension costs. Not the cost of supervision |
| Expenses — composition | Staff & pension €358.2m · other mgmt exp. €81.1m · depreciation €14.5m Staff & pension costs rose €35.6m, reflecting collective agreements, promotions, full absorption of contract staff, a one-off from administrative reorganisation, and overtime. DB-scheme costs €115.3m (2024: €104.5m) |
| Net income | €880.8m FY2025, up €444.8m on 2024 |
| Profit for the year | €257.7m vs €82.9m in 2024. €13.3m proposed as dividend, €244.4m to the Greek State |
| Total assets | €221.5bn At 31 December 2025, up €2.2bn |
Supervised entities (end-2024, FY2025 edition pending)
| Item | Value |
|---|---|
| Entities licensed under covered frameworks | 153 At 31 December 2024. Derived by summing the AR 2024 category tables: 4 significant + 8 less significant credit institutions · 2 third-country + 19 EU branches · 14 payment institutions · 5 e-money institutions · 1 AISP · 10 bureaux de change · 3 microfinance institutions · 8 leasing + 7 factoring companies · 18 credit servicing firms · 20 residential credit intermediaries · 34 insurance undertakings. Reconciles exactly |
| Known moves for FY2025 | Occupational pension funds now supervised (from 1 Jan 2025); credit servicing firms fell 23→18 during 2024 after re-authorisation |
| Not included | Insurance intermediaries Supervised but not counted in the extracted sections; 153 is a floor, not a ceiling |
Supervisory activity 2025
| Item | Value |
|---|---|
| On-site inspections | 33 29 prudential (23 covering credit risk, corporate governance, risk-data quality, market and interest-rate risk; 6 on information systems risk) + 4 on AML/CFT at credit institutions and payment institutions |
| Regulatory output | 34 Executive Committee acts · 209 Credit and Insurance Committee decisions The 209 decisions cover SREP capital requirements, licence grants and withdrawals, qualifying holding assessments and sanctions |
| Resolution decisions | 19 Taken by the Resolution Measures Committee |
Enforcement 2025
| Item | Value |
|---|---|
| AML fine | €1,891,050 A single fine on one credit institution for 13 breaches of the AML/CFT framework, alongside mandatory corrective action; calendar year |
Consumer protection 2025
| Item | Value |
|---|---|
| Banking complaints | Up 33.7% on 2024 59% credit institutions · 35% credit servicing firms. Leading causes: dissatisfaction with arrears restructuring (16%) · electronic systems and service provision (14%) · fees and charges (13%) |
| Insurance complaints | 797 Up 37% on 2024. 748 against undertakings + 49 against intermediaries. 37% health premium increases and claims; 32% motor claims. Plus 444 written enquiries handled |
| Insurance distribution certification | 5,838 candidates Eleven examination sittings in Athens, Thessaloniki, Heraklion and Ioannina. 21 new training seminars assessed and 27 existing ones reviewed |
Crypto / MiCA and DORA
| Item | Value |
|---|---|
| MiCA — shared competence | Under Law 5193/2025 the Hellenic Capital Market Commission is the competent authority for CASPs; the Bank of Greece holds the crypto-related competences attaching to credit institutions and to asset-referenced and e-money tokens, and issued the corresponding secondary legislation during 2025. |
| DORA — LSI competent authority | Granted supervisory and investigative powers including on-site inspections, with sanctioning powers up to 10% of total net annual turnover for entities or €5m for natural persons. Built a mechanism for collecting and forwarding major ICT incident reports and third-party provider registers, and sits on the new EU Oversight Forum. |
Notable 2025
| Item | Value |
|---|---|
| IMF FSAP commendation | The IMF's Financial Sector Assessment Program for Greece completed in 2025 commended the high standard of supervision — reviewing both LSI supervision and crisis-management / resolution practices. |
| Occupational pension funds | Supervisory mandate expanded to occupational pension funds from 1 January 2025; the Bank held meetings with every fund's management during the year to set out its supervisory strategy. |
| New governance framework | Bank of Greece Act 243/2/07.07.2025 replaced the 2006 Governor's Act with a corporate governance and internal control framework aligned to the EBA's internal governance guidelines — applying to credit institutions, Greek branches of non-EEA banks, e-money institutions, microfinance providers, leasing, factoring and credit providers. |
| LSI merger | Operational merger of the two largest less significant institutions completed during the year, reshaping the Greek banking map. |
| Deposit guarantee repayment | Credit institutions in special liquidation repaid a further €100m to the deposit guarantee and financial stability funds following a new interim distribution approved by the Bank. |
Key legislation
Statute of the Bank of Greece (Law 3424/1927, as amended)
Central-bank statute
Article 55A of the Statute
Prudential supervision mandate
Law 4514/2018 (MiFID II transposition)
Investment services
Law 5193/2025
MiCA implementation — HCMC as CASP competent authority; BoG for credit institutions and ART/EMT
Bank of Greece Act 243/2/07.07.2025
Corporate governance and internal control framework aligned to the EBA guidelines