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Cyprus Bank Deposits Exhibit Resilience Amid Loan Contractions

by THEFUTURE.TEAM

September 26, 2025

Robust Deposit Growth in August 2025

According to the latest deposit and loan statistics released by the Central Bank of Cyprus (CBC), bank deposits in Cyprus experienced a net increase of €44.3 million in August 2025, marking a notable recovery from July’s net decrease of €154.5 million. The annual growth rate of total deposits registered 6 percent, a slight reduction from the 6.5 percent observed in the previous month. The overall cumulative deposit balance reached €56.5 billion by the end of August, underscoring the sector’s resilience.

Diverse Impacts Across Sectors

Breaking down the figures further, deposits held by Cyprus residents saw an impressive rise of €133.6 million. Household deposits increased by €46.5 million, while non-financial corporate deposits surged by €152.7 million. In contrast, deposits in other domestic sectors experienced a decline of €65.7 million, highlighting a divergent performance across different segments of the market.

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Declining Loan Volumes

While deposit inflows showcased strength, the CBC data revealed a net decrease in total loans by €60.8 million in August 2025. This downturn reverses the preceding month’s net increase of €74.9 million, though the annual growth rate of total loans remained solid at 7.2 percent, consistent with July’s performance. By the end of August, the overall balance of loans had adjusted to €26.4 billion.

Sector Specific Loan Analysis

Examining the loan portfolio, loans extended to Cyprus residents declined by €69.9 million. In detail, household loans fell by €15.5 million, and loans to non-financial corporations decreased by €48.6 million, while those from other domestic sectors dropped by €5.8 million. This contraction in lending activity reflects a cautious approach by financial institutions amid evolving economic conditions.

Implications for the Financial Landscape

The latest figures from the CBC suggest a nuanced financial landscape in Cyprus, where robust deposit growth coexists with a tightening of loan portfolios. This duality may indicate a shift in bank strategies, balancing the accumulation of stable deposits against more conservative lending approaches. For market participants, these trends warrant careful monitoring as they adapt to a dynamic economic environment.

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EU Farm Output Prices Decline For The First Time In Nine Months

by THEFUTURE.TEAM

March 12, 2026

EU Market Adjustments Signal New Price Trends

Agricultural output prices across the European Union declined in the fourth quarter of 2025, marking a shift after several quarters of increases. Data from Eurostat shows that farm gate prices fell by 1.9% compared with the same period in 2024.

Crisis of Declining Prices In Select Markets

Cyprus recorded one of the more notable decreases in agricultural input costs among EU member states, with prices falling by 2.6% compared with Q4 2024. The reduction eased cost pressures for the local agricultural sector following periods of higher prices earlier in 2025. Across the EU, prices for goods and services consumed in agriculture remained relatively stable. Non-investment inputs such as energy, fertilisers and feedingstuffs showed limited overall changes during the quarter.

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Country-Specific Divergence In Price Movements

Eurostat data highlights considerable variation across member states. Fifteen EU countries recorded declines in agricultural output prices. Belgium registered the largest decrease at 12.9%, followed by Lithuania (8.2%) and Germany (6.0%). At the same time, twelve countries reported increases in output prices. Ireland recorded the strongest rise at 6.8%, followed by Slovenia (5.6%) and Malta (4.2%).

Stability In Agricultural Inputs Amid Commodity Shifts

Agricultural input prices also showed mixed developments. Eleven member states recorded declines, including Cyprus (2.6%), Belgium (2.1%) and Sweden (2.0%). Other countries experienced moderate increases, including Lithuania (4.2%), Ireland (3.3%) and Romania (2.5%). Among major agricultural commodities, milk prices declined by 4.1% while cereal prices fell by 8.9% across the EU. In contrast, fertilisers and soil improvers increased by 7.9%, reflecting continued volatility in input markets.

Outlook For EU Agriculture

The latest Eurostat data points to uneven price developments across the EU agricultural sector. While input prices remained broadly stable in many markets, movements in output prices varied significantly between member states. These trends highlight the need for farmers and policymakers to adapt to shifting commodity prices and changing cost structures across the European agricultural market.