Cypriot Lending And Deposit Rates: Trends In Line With Eurozone Benchmarks

by THEFUTURE.TEAM

August 11, 2025

Alignment With Eurozone Lending

The Central Bank of Cyprus (CBC) recently reported that the average interest rate on new household loans in Cyprus is nearly aligned with the eurozone median. In its June 2025 bulletin, the CBC highlighted that lending rates on outstanding loan balances now show marginal differences—down to 0.09 percent for households and 0.44 percent for non‐financial corporations.

Market Dynamics Behind Business Loans

For business loans, the weighted average interest rate is also closely tracked, with a margin of just 0.24 percent compared to the eurozone standard. The CBC noted that, although this margin exhibits greater volatility—likely a consequence of the smaller market spread—the rates remain relatively competitive when viewed in a broad comparative context.

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Deposit Rates And The Liquidity Factor

In a distinct contrast to lending rates, deposit interest rates in Cyprus are positioned at the lowest level within the eurozone. This anomaly is attributed to the exceptionally high liquidity maintained by Cypriot banks, with the Liquidity Coverage Ratio (LCR) reaching 333 percent in December 2024. Such figures considerably outpace the eurozone median of 184 percent and the average of 163 percent, underscoring a highly liquid banking sector in Cyprus.

Implications And Strategic Considerations

The CBC’s analysis suggests that the median, as opposed to the mean, is a more reliable benchmark, given its reduced sensitivity to outliers. This approach is particularly relevant for markets with a smaller size and scope, such as Cyprus. The convergence of lending rates toward eurozone standards, combined with the anomalously low deposit rates, offers a nuanced insight into the nation’s competitive positioning and strategic challenges in the broader European financial landscape.

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Copyright Law Struggles To Keep Up With AI Training

by News Editor

August 24, 2026

Courts Are Still Applying Old Copyright Rules To AI

AI companies train models on enormous amounts of published material, including books, articles and academic research. Whether using that content without authors’ permission violates copyright law remains unresolved.

Much of the debate centres on fair use, which allows copyrighted material to be used without permission in certain circumstances. Courts consider factors such as the purpose of the use, how much material was involved and its impact on the original market.

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Anthropic Case Sets An Important Precedent

A major case involving Anthropic and a group of authors provided one of the clearest rulings so far. Judge William Alsup found that using copyrighted books to train AI models was lawful, comparing the process to people reading and studying literature before creating something new.

Anthropic was nevertheless ordered to pay $1.5 billion in a settlement. The penalty concerned books the company had obtained from illegal online libraries rather than the AI training itself.

For AI companies, that distinction could prove significant because it separates studying copyrighted material from directly copying it.

Competition Could Be The Key Issue

A case involving Thomson Reuters and Ross Intelligence offers a different perspective. A court ruled that Ross could not claim fair use after using Reuters’ copyrighted material to develop a competing AI-powered legal research platform.

The decision suggests courts may be less willing to consider AI training fair use when copyrighted content is used to build a product that directly competes with the original.

For authors, an unresolved question is whether AI-generated content should be considered competition for the works used to train these models.

The Law Has Yet To Catch Up

US copyright law predates generative AI by decades, leaving courts to apply old principles to new technology. Questions also remain over copyright protection for AI-generated works. In Thaler v. Perlmutter, a court ruled that material created entirely by AI cannot receive copyright protection.

Major AI companies remain involved in copyright litigation, and different courts could reach different conclusions. For now, there is no universal rule: the legality of AI training will depend on the circumstances of each case and how courts ultimately interpret copyright and fair use.

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