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Bank Of Cyprus Profit Hits €481 Million In 2025

by THEFUTURE.TEAM

Bank of Cyprus approved its audited financial results for the year ended December 31, 2025. The board confirmed the group’s financial statements and performance for the period.

Robust Financial Highlights And Strategic Investments

The report covers Bank of Cyprus Group, including Bank of Cyprus Public Company Limited and its subsidiaries. Profit after tax reached €481 million, with €128 million recorded in the fourth quarter. New lending totaled €3 billion, up 23% year over year, driven by corporate and international demand. Gross performing loans increased 8% to €10.9 billion, while deposits rose to €22.2 billion, supported primarily by retail customers.

Operational Excellence And Capital Strength

Panicos Nicolaou, CEO of Bank of Cyprus, said the 2025 results reflected strong financial and operational performance. The bank maintained a cost-to-income ratio of 37%. Liquidity coverage ratio stood at 321%, with surplus liquidity of €9.2 billion. Return on tangible equity reached 18.6%, while basic earnings per share were €1.10.

Risk Management And Corporate Governance

The report outlines risk management across credit, liquidity, market, and operational areas, as well as exposure to geopolitical, cybersecurity, and climate-related risks. Transactions with related parties were conducted on standard commercial terms and remained below 1% of the group’s net assets.

Compliance And Reporting Excellence

Financial statements were prepared in line with IFRS as adopted by the European Union and applicable national legislation. The board confirmed that the results present a true and fair view of the group’s financial position. Internal controls, fraud prevention systems, and sustainability reporting frameworks remain in place.

Looking Ahead

Recent initiatives include a minority investment in Wealthyhood and the acquisition of a performing loan and deposit portfolio from Cyprus Development Bank Public Company Limited. Management said the bank will continue to focus on lending growth and capital strength. The full report is available on the company’s website.

EU Fertiliser Costs Return To Growth In Late 2025

by THEFUTURE.TEAM

Rising Costs In Agricultural Inputs

Recent Eurostat figures reveal that the European Union experienced an 8% year-on-year increase in the average price of fertilisers and soil improvers during the fourth quarter of 2025. This marks a definitive return to an upward cost trajectory following a temporary period of relief for continental farmers.

Market Dynamics In Chemical Nutrition

Prices for fertilisers and related agricultural inputs have remained volatile in recent years, driven largely by supply chain disruptions and higher natural gas prices. The sector experienced sharp price increases in 2021 and 2022 before recording a gradual decline throughout 2023 and 2024. During 2025, however, prices increased steadily across all four quarters, signaling renewed cost pressure for farmers across the EU.

Geographic Disparities In Price Fluctuations

Price increases were recorded in 24 of the EU’s 27 member states during the fourth quarter of 2025. Romania reported the sharpest increase, with fertiliser and soil improver prices rising 16.8% year-on-year. Ireland and the Netherlands also recorded significant increases of 15.3% and 12.1% respectively. By contrast, Bulgaria recorded the largest decline, with prices falling 6.1%. Smaller decreases were reported in Croatia and Lithuania, where prices declined 0.2% in both countries


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