Bank Of Cyprus Strengthens Capital Position With Robust 2025 Disclosures

by THEFUTURE.TEAM

April 21, 2026

Bank of Cyprus released its 2025 Pillar 3 disclosures, outlining its risk profile, financial performance, and strategic direction as of December 31, 2025. A balanced approach between growth and regulatory compliance is reflected in the reported financial metrics.

Financial Performance And Growth

In 2025, the bank reported a return on tangible equity of 18.6% and earnings per share of €1.10. Growth in deposits and lending supported net interest income despite a low-interest-rate environment. Strong cost discipline and a focus on asset quality contributed to a 6% increase in tangible book value per share, reaching €6.10.

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Capital Efficiency And Revenue Diversification

Efforts to diversify revenue beyond traditional banking remain a strategic priority. Key initiatives include high-quality lending, expansion in insurance services, and the development of digital products. Such measures are designed to improve capital efficiency, strengthen market positioning, and support long-term shareholder returns.

Asset Quality, Liquidity, And Capital Strength

Asset quality improved significantly during the year. Non-performing exposures declined from €202 million in 2024 to €127 million in 2025, reducing the ratio from 2.0% to 1.2% of gross loans. Enhanced provisioning increased coverage to 139%, up from 82% a year earlier. Liquidity indicators remained well above regulatory requirements, with the liquidity coverage ratio rising to 321% and the net stable funding ratio to 171%. Further improvement in the common equity tier 1 ratio was supported in part by the implementation of CRR III.

Strategic Risk Management And Future Outlook

Risk management is guided by an integrated framework covering credit, market, liquidity, operational, and emerging risks, including cybersecurity and climate-related factors. Governance structures ensure alignment between risk appetite and business strategy. Forward-looking guidance highlights continued focus on capital strength, profitability, and sustainable growth, while acknowledging uncertainty related to economic, regulatory, and geopolitical developments.

Outlook

Findings from the 2025 disclosures point to stable financial performance supported by improved asset quality and strong capital positions. Ongoing investment in digital capabilities, including artificial intelligence, is expected to play an increasing role in shaping operational strategy.

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Only 1% Of Cyprus Farms Use Precision Farming Technologies

by THEFUTURE.TEAM

July 24, 2026

Cyprus remains one of the European Union’s least digitised agricultural economies, with just 1% of farms using precision farming technologies in 2023, according to Eurostat.

The findings come as the EU continues to encourage the adoption of digital tools aimed at improving agricultural productivity, efficiency and sustainability.

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Internet Access Expands, But Digital Uptake Lags

Internet access has improved across the bloc, although adoption remains uneven. Eurostat found that 43% of EU farms had internet access in 2023, with northern and central European countries leading the way.

Denmark, Germany, Slovakia, Latvia, the Czech Republic and Austria all reported internet access rates above 90%.

Greater connectivity, however, has not translated into widespread digital adoption. Farm management information systems, which help farmers manage day-to-day operations, were used by only about 11% of EU farms. France was a notable exception, with around 60% of farms using the technology.

Precision Farming Concentrated In Larger Operations

Robotics adoption also remained relatively limited, with only about 7% of EU farms using robotic technologies. Overall, around 18% of farms with utilised agricultural area employed at least one precision farming technology or practice in 2023.

These included robotics for plant protection, band spraying, variable-rate application, precision crop monitoring and soil analysis. Despite representing fewer than one in five farms, these holdings accounted for around 44% of the EU’s utilised agricultural area.

The figures suggest that precision farming remains concentrated among larger agricultural businesses, where investment in digital technologies is typically easier to support.

Cyprus Lags Behind EU Leaders

Luxembourg, Finland and Estonia recorded the highest shares of utilised agricultural area managed by farms using precision farming technologies, each exceeding 75%.

At the other end of the ranking, Cyprus recorded just 1%, while Greece and Romania reported between 10% and 15%. The results indicate that Cyprus remains at an early stage of digital adoption in agriculture, even as precision farming becomes more widespread across parts of the European Union.

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