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733
· whole institutionFY2025
Annual budget
€113.2m
· operating costs · whole institutionFY2025
Supervised entities
36
FY2025
Overview
The Hrvatska narodna banka (Croatian National Bank) is Croatia's central bank and the prudential supervisor of the country's credit institutions, credit unions, and payment and electronic money institutions, operating inside the euro area's Single Supervisory Mechanism. In 2025 it supervised 20 credit institutions holding a record €91.1 billion in assets, issued 109 supervisory measures and recommendations, and raised the countercyclical capital buffer from 1.5% to 2% (applicable from 1 January 2027) in response to strong credit growth. It also runs a distinctive supervision regime over the non-performing-loan servicing market, covering €3.4 billion in serviced NPLs. Everything below is HNB's own data, from its FY2025 annual report.
HNB 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
- Ante ŽigmanGovernor · since 2026
- Sandra ŠvaljekDeputy Governor
Figures as published by Croatian National Bank for FY2025. Source: HNB Godišnje izvješće 2025 (Croatian) (Published 29 May 2026). Data as of 31 December 2025. Supplementary: HNB operating-cost disclosure FY2025.
Organisation (FY2025)
| Item | Value |
|---|---|
| Employees | 733 31 December 2025; whole institution — includes monetary policy, cash, Moneterra museum. Not supervision capacity |
| Operating costs (actual) | €113,225,042.72 Whole institution; FY2024 comparative €110m (same series) |
| — of which staff costs | €50.23m |
| — of which administrative | €30.82m |
| — of which depreciation | €12.83m |
| — of which banknote / coin production | €18.86m |
Supervised entities (end-2025)
| Item | Value |
|---|---|
| Credit institutions | 20 19 banks + 1 housing savings bank; 1 EU branch also operated; 270+ EU/EEA institutions notified cross-border service provision (separate scope) |
| Credit unions | 16 Active at year-end; bankruptcy proceedings opened for 1 additional union previously in liquidation |
| Banking system assets | €91.1 billion +8.3% y/y; record level |
Supervisory activity 2025
| Item | Value |
|---|---|
| Supervisory measures & recommendations | 109 Issued to credit institutions from SREP, monitoring, thematic/deep-dive analyses and on-site supervision |
| SREP coverage | 20 of 20 Annual risk assessment of all credit institutions; ICT-risk SREP for 15 banks (>97% of system) |
| AML/CFT supervision | 5 inspections · 14 supervisory measures HNB participated in 9 cross-border AML colleges; AMLA General Board membership from 2025 |
| ICT incidents reported | 14 10 by credit institutions, 4 by payment institutions; all operational in nature, no serious security incidents; DORA first full year |
Licensing activity 2025
| Item | Value |
|---|---|
| Licensing requests received | 45 85% related to management/supervisory board member approvals |
NPL servicing supervision 2025
| Item | Value |
|---|---|
| Off-site inspections | 13 |
| Debtor complaints | 122 +58% y/y; 13% founded |
| NPLs sold in 2025 | 15,690 loans · €103.1m total |
| NPL portfolio under servicer management | €3.4bn · 221,751 loans At year-end |
Macroprudential 2025
| Item | Value |
|---|---|
| Countercyclical buffer | 1.5% → 2% Decision December 2025, applicable 1 January 2027 |
| Borrower-based measures | In force from 1 July 2025 DSTI ≤45% housing / ≤40% non-housing · LTV ≤90% · maturity caps 30y/10y |
Notable 2025
| Item | Value |
|---|---|
| Governor transition | Boris Vujčić departed 31 May 2026 after 14 years to become ECB Vice-President (from 1 June 2026); Ante Žigman appointed 19 June 2026. |
| NPL servicing supervision | HNB supervises the sale and servicing of non-performing loans — a supervision remit many peers lack — covering €3.4bn in serviced claims. |
| Countercyclical buffer raised | To 2% (from 1 Jan 2027) amid 13.1% household credit growth. |
| First full year under DORA | National incident-reporting system (PiXi) implemented; zero serious ICT security incidents reported. |
| Borrower-based lending limits | In force from 1 July 2025 — measurably reduced the share of high-DSTI and high-LTV new loans within the year. |
Key legislation
Act on the Croatian National Bank (OG 75/2008)
Central-bank statute
Credit Institutions Act (OG 159/2013, as amended)
Banking (CRD/CRR)
Payment System Act
PSD2 transposition
Act on Credit Institution Recovery and Resolution
Bank resolution framework
Public registers
Application portals
Recent publications
- HNB Godišnje izvješće 2025
2026-05-29