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Bank Of Cyprus Strengthens Capital Position With Robust 2025 Disclosures

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.

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.

Women Make Up A Majority Of The EU’s Science And Technology Workforce But The Real Gap Is Elsewhere

Women now make up the majority of the EU’s science and technology workforce. According to Eurostat, in 2025, more than 81.6 million people aged 15 to 74 were employed in science and technology occupations across the EU. Of those, 52.5% were women, equal to 42.8 million women. The number of women in these occupations rose by 27.9% compared with 2015, an increase of more than 9.3 million over a decade.

On the surface, the numbers resemble progress. However, Eurostat’s category requires context before that figure can be read accurately. The data refers to HRST, or Human Resources in Science and Technology, specifically people employed in science and technology occupations. These are roles where the main tasks require professional or technical knowledge in physical and life sciences, but also in social sciences and humanities. That definition is wider and broader than engineering, ICT, laboratory science, or high-tech research alone.

Zooming In

The gender picture changes once the data moves from a wider definition of the workforce to the narrower scientist-and-engineer (research and manufacturing) subgroup.

Scientists and engineers represented almost a quarter of all people employed in science and technology in the EU in 2025. Eurostat describes scientists and engineers as often being the innovators at the centre of technology-led development, making them an important subgroup to focus on separately.

Women accounted for only 40.8% of scientists and engineers in 2025, despite making up more than half of the wider category. That share has increased by a mere 0.5 percentage points over the past decade. The absolute number of women working as scientists and engineers rose from 5.3 million in 2015 to 8.2 million in 2025, despite the push from national and international organisations to increase the number of women in the field. Europe has expanded the number of women in science and technology occupations over ten years. However, that expansion has not extended equally into the scientist-and-engineer subgroup, where much of Europe’s research and innovation work is conducted.

In 2025, of the 39.4 million women aged 25 to 64 working in science and technology occupations in the EU, 35.5 million worked in service activities. Only 2.7 million worked in manufacturing. Women accounted for 57.5% of science and technology employment in services, but only 31.3% in manufacturing.

In 2025, the highest shares of women employed in science and technology occupations were recorded in Latvia at 62.4%, followed by Hungary’s Great Plain and North region at 61.1%, Estonia at 60.5%, Poland’s Central macroregion at 60.4%, and Lithuania at 60.3%. No EU country recorded a majority of women among science and technology workers in manufacturing.

Break-down

Eurostat’s figures measure employment in broad science and technology occupations. They do not show job security, pay levels, management roles, promotion rates, research leadership, or whether women are concentrated in junior or senior workplace positions.

The classification of “senior” also requires additional explanation. Eurostat reports that 45.9% of science and technology workers aged 25 to 64 in the EU were classified as “senior” HRST in 2025. In this dataset, “senior” refers to workers aged 45 to 64. It does not mean senior manager, senior researcher, team lead, or decision-maker.

A high female share in the wider Human Resource Science and Technology (HRST) category does not parallel equal representation across scientists, engineers, manufacturing roles, senior posts, pay, research funding, or decision-making. These figures also reflect the occupational mix inside each country or region, not only structural progress across all areas of science and technology.

The Case Of Cyprus

Eurostat data places Cyprus’s overall science and technology employment at 37.2% of the labour force in 2025, slightly above the EU-27 figure of 36.9%, and above Greece at 26.8%, Malta at 33.9%, and Turkey at 18.2%. This figure covers the total share of the labour force employed in science and technology across all genders.

Progress Or Work-in-Progress?

52.5% in the broad category. 40.8% among scientists and engineers. 31.3% in manufacturing. Europe’s gender gap in science and technology hasn’t closed yet, and there is still work to be done to encourage and support more women to enter the field, especially in research and manufacturing.

Let’s not wait another decade for another couple of percentage points of hope.

eCredo
The Future Forbes Realty Global Properties
Uol
Aretilaw firm

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