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1,398
· whole institutionFY2025
Annual budget
CZK 3,128m (~€127m)
· 2025, +3.4% YoYFY2025
Supervised entities
~1,566
FY2025
Overview
The Czech National Bank is one of Europe's few fully integrated supervisors — monetary policy, resolution, and oversight of the entire Czech financial market under one roof in Prague. It became the MiCA competent authority in February 2025 and took in 245 crypto licence applications in its first year; grants could begin only once the Czech transposition timetable allowed, and by mid-2026 the CNB had authorised 11 CASPs and one e-money token issuer. Everything below is the CNB's own data, from its FY2025 annual report.
CNB 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
- Aleš MichlGovernor · since 2022
- Jan FraitDeputy Governor — Financial Market Supervision · since 2023
- Jan ProcházkaBank Board Member — Financial Regulation & International Cooperation
Figures as published by Czech National Bank for FY2025. Source: Annual Report of the Czech National Bank 2025 (English). Data as of 31 December 2025. Supplementary: Financial Statements as at 31 December 2025 (ruz_2025_en.pdf).
Organisation
Staff figures cover the whole institution — monetary policy, international reserves management, currency issuance, statistics and resolution alongside supervision. CNB does not publish a supervision-only headcount; headcount is down 5.1% from 1,516 in 2022 following a deliberate streamlining programme. FX: CZK 24.7/EUR, the 2025 average rate stated in the annual report.
| Item | Value |
|---|---|
| Positions | 1,439 Establishment; unchanged 2023–2025 |
| Employees | 1,398 Actual headcount at 31 Dec 2025 (2024: 1,404) |
| Operating expenses | CZK 3,128m (~€127m) 2025, +3.4% YoY |
| Personnel expenses | CZK 2,536m ~72% of operating expenses |
| Banknote and coin production | CZK 577m Separate from operating expenses |
| Executive directors reporting to Bank Board | 14 Down from 17 in 2022 |
Supervised entities at 31 December 2025
Scope totals: institutions only ~1,566 · plus bureaux de change ~2,368 · all including retail intermediaries ~46,970.
| Item | Value |
|---|---|
| Credit institutions (incl. branches) | 48 |
| Insurance and reinsurance companies | 40 |
| Pension management companies | 9 |
| Non-bank consumer credit providers | 73 |
| Non-performing loan servicers | 43 |
| Non-bank investment firms | 31 |
| Crowdfunding providers | 6 |
| Non-bank payment service providers | 97 |
| Management companies and investment funds | 1,106 |
| Securities issuers | 113 |
| Bureaux de change | 802 |
| Retail distributors | 44,602 entities (101,681 roles) |
Supervisory activity 2025
Per-sector inspections, penalty decisions and fines. Public submissions received: 1,107 (credit institutions), 1,100 (insurance), 299 (consumer credit), 269 (retail distributors), 176 (investment firms), and smaller volumes elsewhere.
| Item | Inspections | Penalty decisions | Fines |
|---|---|---|---|
| Credit institutions | 20 | 4 | CZK 22m |
| Insurance and reinsurance | 26 | 2 | CZK 8.5m |
| Non-bank consumer credit | 6 | 10 | CZK 19m |
| Non-bank investment firms | 2 | 4 | CZK 2.3m |
| Non-bank payment services | 4 | 4 | CZK 2.3m |
| Management companies and funds | 2 | 24 | CZK 2.5m |
| Bureaux de change | 0 | 2 | CZK 0.3m |
| Retail distributors | 9 | 3 | CZK 1m |
| Securities issuers | — | 4 | CZK 0.5m |
| Pension management companies | 1 | 0 | — |
| NPL servicers | 0 | 0 | — |
| Crowdfunding providers | 0 | 0 | — |
Crypto and MiCA
CNB became competent authority for crypto-assets on 15 February 2025, under the Act on the Digitalisation of the Financial Market.
| Item | Value |
|---|---|
| Licence applications received in 2025 | 245 From CASPs and e-money token issuers |
| Authorisations granted in 2025 | 0 |
| Public enquiries | 146 |
| Inspections / penalty decisions | 0 / 0 |
Grants began in 2026 once the Czech transposition allowed: 11 CASPs and one e-money token issuer authorised as of July 2026. Source: ESMA MiCA register.
Notable 2025 actions
| Item | Value |
|---|---|
| Redundant national rules | Abolished 36; proposed repeal of a further 41 (targeting gold-plating) |
| Securities prospectuses approved | 105 decisions |
| Unauthorised deposit-taking fines | CZK 52m across four proceedings |
| Licence revocation | Podnikatelská družstevní záložna credit union (January 2025) — governance failures and systematic AML/CFT breaches |
| CRD6 transposition | Took effect 11 January 2026 |
| TIBER-EU testing | Launched penetration testing of major institutions |
| AMLA participation | Sector-wide review of sanctions screening effectiveness |
Key legislation
Act No. 21/1992 on Banks
Banking Act (CRD/CRR)
Act No. 370/2017 on Payment Services
PSD2 transposition
Act No. 256/2004 on Capital Market Undertakings
Investment services (MiFID II)
Act No. 31/2025 on the Digital Financial Market
MiCA implementation (in force from Feb 2025)
Public registers
Application portals
Recent publications
- CNB Annual Report 2025
2026-05-05