Hellenic Bank Association (HBA)

The Hellenic Bank Association (HBA) is the representative of the vast majority of all Greek and foreign credit institutions that operate in Greece. It was established in 1928 and is a non-profit legal entity. It expresses the views of its member banks, provides advisory input to the regulatory process, participates in the decision-making procedures of international, European and national law-preparing and technical committees, and cooperates with other countries' organizations and associations of the financial sector in the context of bilateral or multilateral agreements. The HBA focuses on the collective modernization of its member banks and the overall development of the financial sector.

In a period of high uncertainty and challenges for our country, the Hellenic Bank Association (HBA) takes decisive action to ensure the effective operation of the Greek banking sector, contributing to the effort of getting the country out of the financial crisis and helping pave the way for financing investments, the economic activity and the Greek economy.

After many years of turbulence and significant losses, the Greek banking sector, for the first time, showed clear signs of stabilization. In particular, the sector showed liquidity improvement, strengthening of shareholders’ equity, high capital adequacy ratios, return to organic profitability and reduction of the all-important non-performing loans level.  More..


Nikolaos V. Karamouzis 
Chairman of the Board of Directors, HBA

The Hellenic Bank Association welcomes you to its website.

We are following the evolution of the banking sector in Greek, European and International level. We hope to derive useful information from your visit to our website.  

Charoula Apalagaki  
Secretary General, HBA


Currently, the HBA comprises 18 members, of which 9 are regular and 9 are associate members, with:

  • a workforce of more than 40,000 people, directly employed;
  • 2.049 branches and 5505 ATMs;
  • presence in 13 foreign banking markets, either directly or through majority holdings in overseas banks with more than 1.000 branches and 15.500 directly employed personnel.
The Hellenic Bank Association is not a bank, does not perform any direct or indirect business activities, and does not keep any funds on behalf of its members or the public. It is not a bank supervisor; it does not impose regulatory compliance rules; it is not an employers' organization and it does not sign collective labour agreements.