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Kedipes Launches Family-Backed Debt Relief Program for Aging Borrowers

by THEFUTURE.TEAM

February 9, 2026

Kedipes recently outlined its financial and operational priorities for the second half of 2025 during a detailed briefing last Tuesday. A key takeaway was a notable social trend within its loan portfolio: an increasing share of repayments is being made not by the original borrowers, but by their children.

Emerging Trends In Portfolio Composition

According to the presentation, many debt settlements now involve younger family members stepping in to resolve long-standing obligations. A large portion of Kedipes’ borrowers are of advanced age and often face limited income or restricted access to new credit. In these cases, children frequently contribute funds to protect family assets, most commonly the primary residence.

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Generational Support In Financial Recovery

Internal data shows the average age of Kedipes borrowers is around 60. As many approach or enter retirement, their financial flexibility narrows and refinancing options become scarce. This has led to a growing pattern of intergenerational support, where younger relatives help close outstanding loans, avoid foreclosure proceedings, and reduce the emotional stress associated with prolonged debt disputes. For many families, the priority is preserving the home while restoring financial stability.

Innovative Repayment Solutions

To address these realities, Kedipes has introduced targeted repayment programs that provide meaningful discounts for lump-sum settlements. One scheme allows borrowers with loans secured against a primary residence valued at up to €350,000 to resolve their debt at a reduced amount linked to the current market value. Nearly €300 million in loans have already been restructured through the doValue platform, which manages this segment of the portfolio.

From July 2025, an additional initiative expanded similar discount options to both restructured and performing loans. Demand has been strong, suggesting that flexible settlement terms combined with family support are proving effective in accelerating repayments.

Looking Ahead

Kedipes intends to continue these measures into 2026 as part of its broader portfolio-reduction strategy. Beyond improving balance-sheet metrics, the approach offers practical relief to households working to settle legacy debts. The growing role of family-backed settlements highlights a shift toward cooperative financial solutions that balance institutional recovery goals with social considerations.

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Bank of Cyprus Upgrade Signals Fresh Optimism For Greek And Cypriot Banks

by THEFUTURE.TEAM

June 26, 2026

Regional Banks Enter A More Favorable Cycle

Bank of Cyprus and Eurobank are well positioned to benefit from a renewed re-rating of Greek and Cypriot bank stocks, according to Cyprus-based investment firm Roemer Capital, which upgraded Bank of Cyprus to a buy rating and reaffirmed its positive view on Eurobank.

The firm cited easing geopolitical tensions, resilient economic growth in Greece and Cyprus, lower funding costs and Greece’s expected transition to developed-market status as the main factors supporting the sector.

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Roemer Capital also lowered its cost of equity assumptions, updated its forecasts following first-quarter 2026 results and extended its valuation horizon to the end of 2027, raising target prices across its banking coverage.

Bank Of Cyprus Gets The Largest Upgrade

Bank of Cyprus received the biggest revision, with Roemer Capital upgrading the stock from hold to buy and setting a target price of €11.10, implying potential total upside of 27%.

The firm highlighted the bank’s strong capital generation, profitability and projected 100% dividend payout, describing it as the strongest capital-return story among the banks under coverage. Roemer Capital maintained its buy rating on Eurobank, assigning a target price of €4.90 and forecasting potential upside of 28%. The report said the bank is well placed to benefit from loan growth, improving operating performance and merger-and-acquisition synergies.

National Bank of Greece and Piraeus Bank also retained buy ratings, with expected returns ranging from 25% to 36%. Optima Bank was upgraded to buy, while Alpha Bank remained at hold on valuation grounds.

Why Growth Still Sets The Region Apart

According to Roemer Capital, Greek and Cypriot banks continue to benefit from stronger economic fundamentals than many western European peers. The report pointed to faster economic growth, healthier balance sheets, low levels of non-performing exposures, capital ratios approaching 20% and strong customer deposit bases.

Analysts expect performing loans across the sector to grow at a compound annual rate of 6% to 8% through 2028, supported by private investment, digitalisation, green manufacturing, supply-chain expansion and a gradual recovery in household lending.

The report also said the conclusion of lending under the EU Recovery and Resilience Facility is unlikely to materially affect credit growth, as banks have already shifted back towards traditional commercial lending. Roemer Capital expects Euribor to remain between 2.2% and 2.5%, a level it believes should support both lending activity and net interest margins.

Geopolitics, Valuation And Market Structure Support The Case

The report said improving geopolitical conditions have strengthened the investment outlook, noting that Brent crude prices have largely returned to pre-war levels while Greek government bond yields have stabilised at around 3.5%. Although geopolitical risks remain, Roemer Capital believes the likelihood of a major inflationary shock or significant pressure on bank profitability has eased.

Another important catalyst identified by the firm is Greece’s expected promotion to developed-market status by FTSE Russell, STOXX and MSCI over the coming months.

According to the report, the reclassification should improve liquidity and attract a broader base of international investors. Roemer Capital also said Euronext’s acquisition of the Athens Exchange is expected to strengthen market infrastructure and increase international visibility, particularly for Bank of Cyprus and Optima Bank.

The firm noted that Bank of Cyprus has already benefited from its Athens listing, with average daily trading value increasing from less than €400,000 before its September 2024 move to nearly €6 million afterwards.

Economic Momentum Remains A Core Tailwind

Roemer Capital said both Greece and Cyprus have moved beyond post-crisis recovery and are now supported by private-sector-led growth. For Cyprus, the report highlighted recent tax reform and efforts to simplify the legal and regulatory framework, while also noting that limited foreign banking competition continues to support domestic lenders.

Overall, Roemer Capital expects Greek and Cypriot banks to remain well-positioned for profitable loan growth over the coming years.