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Central Bank of Cyprus Data Highlights Robust Growth in December 2025

Overview Of December Financial Trends

Recent data released by the Central Bank of Cyprus (CBC) underscores a strong performance in the nation’s monetary market. The report, detailed in the CBC’s Monetary and Financial Statistics January 2026 edition, shows that the annual growth rate for deposits reached 6.50 percent while loans increased at an annual rate of 10.70 percent in December 2025.

Deposits Performance And Seasonal Influences

Total deposits witnessed a net increase of €877.10 million in December 2025, a notable rise from the €330.80 million increase recorded in November 2025. The aggregate deposit base reached €58.70 billion by year’s end. This growth, which recorded an annual rate of 6.50 percent—the slight downbeat from November’s 6.70 percent—is largely attributed to seasonal influences. Notably, Cyprus residents contributed a significant increase of €948.30 million, with household deposits rising by €622.30 million. Deposits by non-financial corporations and other domestic sectors added €51.20 million and €274.80 million, respectively.

Robust Expansion In Loan Portfolios

The loan segment demonstrated an even more vigorous performance. Total loans saw a net increase of €587.20 million in December 2025, compared to just €71.50 million in November. This surge boosted the outstanding loan balance to €27.10 billion, while the annual growth rate edged up to 10.70 percent from 10.50 percent the previous month. Disaggregated data indicates that loans to Cyprus residents increased by €250.50 million. Specifically, household loans grew by €113.00 million, and lending to non-financial corporations expanded by €150.10 million, albeit with a modest overall decline of €12.60 million in loans to other domestic sectors.

Implications For The Monetary Landscape

The findings illuminate a dynamic and evolving monetary landscape in Cyprus, where both deposit and lending activities are moving in tandem with economic cycles influenced by seasonal trends. This robust financial performance not only reflects increased confidence among households and businesses but also sets the stage for a more resilient banking sector moving forward.

EU Fertiliser Costs Return To Growth In Late 2025

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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