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Cyprus Investment Firms Post 7.5% Growth In Assets Under Management In Q3 2025

by THEFUTURE.TEAM

February 23, 2026

Overview Of Q3 2025 Performance

Cyprus investment firms and collective investment schemes reported a 7.5% increase in assets under management (AUM) in the third quarter of 2025, reaching €11.4 billion, according to data from the Cyprus Securities and Exchange Commission (CySEC). The quarter reflected changes in both asset allocation and the structure of regulated entities.

Refined Structure Of Regulated Entities

The number of supervised entities declined to 312 in Q3 2025 from 323 a year earlier. These included 217 externally managed collective investment schemes, 29 internally managed schemes, and 66 managed by external managers. The management company segment consisted of 46 standard management companies, 44 below-threshold firms, two OSEKA management companies, and three entities holding dual licenses.

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Asset Allocation And Investment Diversification

The comprehensive AUM now stands at €11.4 billion, while the net asset value is reported at €10.1 billion. A detailed breakdown reveals that 63% of the AUM is attributed to standard funds, 17% is shared between below-threshold funds and OSEKA management companies, 10% to OSEKA managers exclusively, 9% to below-threshold funds, and 1% to collectively supervised entities managed by non-Cypriot firms.

Investment Categories And Sectoral Trends

Within OSEKA schemes, 85.8% of assets were invested in marketable securities, 10.9% in fund shares, and 3.2% in bank deposits. Across alternative investment vehicles, including private equity and real estate funds, allocations included 30.7% in private equity, 17% in real estate, 14.5% in hedge funds, and 9.7% in collective investment fund shares. The remaining category classified as “Other” accounted for 28.1% of allocations, including equity, fixed income, and cash holdings.

Domestic Versus International Exposure

Cyprus-domiciled funds represented 69.7% of total AUM through 205 local entities. Of 230 active schemes, 165 maintained full or partial investments in Cyprus totaling €2.8 billion, equivalent to 24.8% of total AUM. Private equity accounted for 71.1% of domestic investments, while real estate represented 12.8%.

Investor Demographics And Their Strategic Implications

OSEKA schemes were primarily supported by individual investors, who represented 99.2% of participants, totaling 8,727 investors. In alternative investment funds, 64.7% of investors were categorized as well-informed, 26% as professional investors, and 9.4% as private investors.

Sectoral Investment Highlights

Analyzing industry-specific allocations for Q3 2025 demonstrates targeted investments: energy assets reached €471.6 million, maritime investments stood at €581.8 million, fintech allocations totaled €106.9 million, and sustainable investment funds captured €97.9 million. These figures reflect a strategically diversified approach in response to evolving market dynamics.

CySEC data for Q3 2025 reflects continued growth in assets under management alongside ongoing diversification across investment categories and sectors.

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Banks Required To Refund Unauthorized Transactions Immediately, Confirms EU Prosecutor

Introduction

Advocate General Athanasios Rantos of the Court of Justice of the European Union stated that banks must refund customers without delay for unauthorized transactions, even when the client may have acted with gross negligence. The opinion clarifies how European legislation should be applied in cases involving payment fraud.

Case Overview

The case concerns a Polish bank customer who became the victim of a phishing attack. A fraudster posed as a buyer on an online auction platform and sent the customer a link that closely resembled the bank’s official website. After entering her login credentials, the customer unintentionally gave the attacker access to her account. The fraudster subsequently carried out unauthorized transactions.

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The bank refused to reimburse the funds, arguing that the client had demonstrated gross negligence by entering her banking details on the fraudulent website. The dispute was later brought before the Polish courts.

Legal Implications

The Polish national court asked the Court of Justice of the European Union to clarify whether European law requires banks to refund unauthorized payments immediately, even when the customer may have acted negligently.

Advocate General Rantos stated that EU legislation requires banks to restore the funds without delay unless the institution has reasonable grounds to suspect fraud and has formally reported the matter to the competent authorities. The opinion also explains that an immediate refund does not prevent the bank from later seeking compensation if it can prove that the customer failed to comply with their obligations under payment services regulations.

Consumer Protection And Regulatory Outlook

European payment legislation places strong emphasis on protecting consumers from financial fraud. The regulatory framework aims to ensure that users of payment services receive prompt reimbursement when unauthorized transactions occur. Banks may still investigate individual cases and pursue legal action if they believe the customer breached their responsibilities under payment service rules.

Conclusion

The Court of Justice of the European Union will now consider the Advocate General’s opinion before issuing its final ruling. Such decisions are often influential in shaping the interpretation of EU law. A ruling in line with the opinion could have significant implications for banks across the European Union and for how financial institutions handle reimbursement claims in cases of payment fraud.