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1,151
· whole institutionFY2025
Annual budget
€134.6m
· core operating costs (whole institution)FY2025
Supervised entities
974
· NBS-authorised participantsFY2025
Overview
Národná banka Slovenska is Slovakia's central bank and, since 2006, its integrated financial-market supervisor — banking within the euro area's Single Supervisory Mechanism, plus capital markets, insurance, pensions, payments and, since 2025, crypto-assets under MiCA. It runs a hands-on supervisory programme for its size: 36 on-site inspections and 347 final supervisory decisions in 2025, including the authority's first use of mystery-shopping supervision in financial intermediation. Slovakia's transitional regime for legacy virtual-asset providers ended on 30 December 2025, and NBS assesses CASP applications substantively — a virtual office without local staff does not pass its substance test. Everything below is NBS's own data, from its Annual Report 2025.
NBS 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
- Peter KažimírGovernor · since 2019
- Dušan KeketiDeputy Governor · since 2025
- Vladimír DvořáčekBank Board member, responsible for financial-market supervision
Figures as published by Národná banka Slovenska for FY2025. Source: NBS Annual Report 2025 (Approved by the NBS Bank Board on 22 June 2026). Data as of 31 December 2025. Supplementary: NBS supervisory and licensing guidance (nbs.sk).
Organisation (FY2025)
Financial-market supervision is principally divided between two divisions. Supervision and Financial Stability covers banking supervision, capital-market supervision and financial stability. Supervision and Financial Consumer Protection covers insurance and pension-fund supervision, financial consumer protection, resolution, and the Financial Technology and Innovations Department — which houses dedicated sections for payment-services proceedings and policy, payment-services supervision, crypto-assets and innovation, and supervision technology support.
| Item | Value |
|---|---|
| Employees (31 Dec 2025) | 1,151 Average over the year: 1,120.5 FTE; 134 managers |
| Staff costs | €88.3m |
| Administrative expenses | €35.7m |
| Depreciation | €10.6m |
| Core operating costs | €134.6m Sum of staff costs, administrative expenses and depreciation; whole institution |
| Fees and contributions from financial-market entities | €23.2m |
Supervisory activity (FY2025)
| Item | Value |
|---|---|
| NBS-authorised financial-market participants | 974 Entities authorised by NBS; excludes passported and merely registered firms operating in Slovakia |
| Final supervisory decisions | 347 |
| On-site inspections | 36 |
| Consumer submissions handled | 2,129 23% assessed as justified |
| Redress paid to consumers | €550,000 Following complaint handling |
Licensing activity (FY2025)
| Item | Value |
|---|---|
| Credit servicer authorisations granted | 4 Plus 4 EU passport notifications; 9 credit servicers operating in Slovakia at year-end |
| First MiCA CASP authorisations | December 2025 6 CASPs authorised by NBS as of July 2026 (ESMA MiCA register) |
| Payments licensing | Procedures updated Payment and e-money institutions gained access to NBS-operated payment systems under the new EU framework |
MiCA and crypto-assets
The Slovak transition for providers operating under the legacy virtual-asset trade-licence regime ended on 30 December 2025. Since then, crypto-asset services may generally be provided in Slovakia only under a MiCA authorisation from NBS or another EU competent authority, or by an eligible financial institution under the MiCA notification regime. NBS issued its first CASP authorisations in December 2025 and introduced Decree No. 3/2025 on regulatory reporting by crypto-asset service providers. NBS does not operate a simplified licensing procedure — applications are assessed substantively, including the applicant's genuine connection to Slovakia and the risk of a letter-box structure: published guidance identifies physical premises, locally performed key functions and strategic decision-making, and local availability of documentation among the relevant considerations, and a virtual office or P.O. box without permanent staff is insufficient.
| Item | Value |
|---|---|
| Receipt confirmation | Within 5 working days |
| Completeness assessment | Within 25 working days |
| Decision after complete application | Within 40 working days |
| Suspension for additional information | Up to 20 working days |
| Simplified licensing procedure | No |
| Pre-licensing meeting | At NBS discretion; no legal entitlement |
| Filing format | Paper application; electronic copy recommended |
| Application fee | €1,700 / €2,500 / €3,400 Depending on service scope (per applicant-facing guidance; verify against the current NBS fee decree) |
Financial consumer protection (FY2025)
NBS has been Slovakia's financial-consumer-protection supervisor since 2015. In 2025 it handled 2,129 consumer submissions concerning financial-market participants, assessed 23% as justified, and reported €550,000 of redress paid to consumers. Supervision comprised 19 planned and 38 unplanned activities, with lending and the treatment of borrowers in arrears among the year's priorities — and included NBS's first use of mystery-shopping supervision in financial intermediation.
| Item | Value |
|---|---|
| Consumer submissions | 2,129 |
| Assessed as justified | 23% |
| Redress paid to consumers | €550,000 |
| Supervisory activities | 19 planned · 38 unplanned |
| First mystery-shopping supervision | Financial intermediation NBS's first supervisory use of concealed-identity inspections |
Notable 2025
| Item | Value |
|---|---|
| MiCA | First CASP authorisations issued; legacy Slovak transition ended 30 December 2025; CASP reporting decree (No. 3/2025) in place before first grants. |
| Mystery shopping | First supervisory use of concealed-identity inspections, in financial intermediation. |
| DORA | Supervisory processes established for ICT risk, registers of information and major-incident reporting. |
| TIBER-SK | National threat-led penetration-testing framework implemented. |
| Financial innovation | 41.8% of respondents to NBS's latest survey report using AI, up from 5.7% in 2020. |
| AML/CFT | Risk-based on-site and off-site supervision continued, alongside cooperation with the newly established AMLA. |
Key legislation
Act No. 566/1992 Coll. on Národná banka Slovenska
Founding statute — primary objective of price stability; financial-market supervision among statutory tasks
Act No. 747/2004 Coll. on Financial Market Supervision
General supervisory framework — stability, credibility and sound functioning of the financial market
Act No. 483/2001 Coll. on Banks
Banking
Act No. 492/2009 Coll. on Payment Services
Payments and electronic money
Act No. 566/2001 Coll. on Securities and Investment Services
Investment services and securities markets
Act No. 39/2015 Coll. on Insurance
Insurance and reinsurance
Act No. 203/2011 Coll. on Collective Investment
Funds and management companies
Act No. 248/2024 Coll. on obligations and powers in the field of crypto-assets
Slovak MiCA-related powers
Regulation (EU) 2023/1114 (MiCA)
EU crypto-asset framework