Banking & Finance

Our firm advises financial institutions, investment firms, and international stakeholders on the full range of legal and regulatory matters governing banking, capital markets, and financial services in Greece and the European Union. We possess extensive expertise in the applicable regulatory framework, including Greek Law 4261/2014, the Capital Requirements Directive and Regulation, and key EU instruments shaping the financial sector. Our experience includes supporting clients in structuring complex financial products, managing non-performing loan portfolios, and ensuring compliance with core regulatory regimes such as MiFID II and PSD2. We have also been actively involved in cross-border financing transactions and the development of fintech initiatives, advising on emerging regulatory challenges and opportunities. In parallel, we guide clients on ESG-related obligations, including compliance with the Sustainable Finance Disclosure Regulation and broader sustainability frameworks, reflecting the increasing integration of ESG considerations into financial markets.

We provide comprehensive legal support tailored to the needs of banks, financial institutions, and investors, covering the full spectrum of financing and regulatory matters. Our services include structuring, drafting, and negotiating complex financial instruments, such as syndicated loans, securitizations, and derivatives, in line with international standards and applicable Greek legislation. We advise on licensing, regulatory compliance, and supervisory requirements, including engagement with the Single Supervisory Mechanism, the Bank of Greece, and the Hellenic Capital Market Commission. Our team supports clients in navigating anti-money laundering and counter-terrorist financing frameworks, ensuring compliance with customer due diligence and reporting obligations. We also assist in addressing ESG-related disclosure and reporting requirements under the EU Taxonomy Regulation and the Corporate Sustainability Reporting Directive, while providing legal guidance on fintech projects involving digital payments, blockchain technologies, and innovative financial services. Our approach combines technical precision with commercial awareness, enabling clients to operate confidently in a highly regulated environment.

Greece’s financial sector is undergoing a period of sustained transformation, driven by regulatory reform, balance sheet restructuring, and rapid digitalization. The continued alignment with EU regulatory standards, including Basel III and the Capital Markets Union initiative, has strengthened the resilience and transparency of the financial system. At the same time, the sector is adapting to increased regulatory scrutiny in areas such as ESG compliance, risk management, and corporate governance. Digital transformation, particularly in payments and banking services under PSD2, is reshaping the competitive landscape and enabling new market entrants. These developments, combined with ongoing efforts to enhance financial stability and investor confidence, are redefining the operational and regulatory environment for financial institutions in Greece.

Greece presents a range of opportunities across traditional and emerging segments of the financial sector. Sustainable finance and green investment instruments, including green bonds and ESG-linked financing, are gaining prominence as regulatory and market pressures drive the transition toward more sustainable capital allocation. The continued management and securitization of non-performing loan portfolios remains a key area of activity, attracting interest from international investors and private equity funds. At the same time, the growth of fintech and digital banking is creating new opportunities in areas such as electronic payments, blockchain-based solutions, and alternative lending platforms. Privatization initiatives and the expansion of alternative investment structures further contribute to a dynamic investment landscape. Supported by EU funding and national recovery programs, Greece’s financial sector continues to evolve as an increasingly attractive destination for sophisticated financial activity and innovation.