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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 Moderates Emissions While Sustaining Economic Momentum

by THEFUTURE.TEAM

November 15, 2025

The European Union witnessed a modest decline in greenhouse gas emissions in the second quarter of 2025, as reported by Eurostat. Emissions across the EU registered at 772 million tonnes of CO₂-equivalents, marking a 0.4 percent reduction from 775 million tonnes in the same period of 2024. Concurrently, the EU’s gross domestic product rose by 1.3 percent, reinforcing the ongoing decoupling between economic growth and environmental impact.

Sector-By-Sector Performance

Within the broader statistics on emissions by economic activity, the energy sector—specifically electricity, gas, steam, and air conditioning supply—experienced the most significant drop, declining by 2.9 percent. In comparison, the manufacturing sector and transportation and storage both achieved a 0.4 percent reduction. However, household emissions bucked the trend, increasing by 1.0 percent over the same period.

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National Highlights And Notable Exceptions

Among EU member states, 12 reported a reduction in emissions, while 14 saw increases, and Estonia’s figures remained static. Notably, Slovenia, the Netherlands, and Finland recorded the most pronounced declines at 8.6 percent, 5.9 percent, and 4.2 percent respectively. Of the 12 countries reducing emissions, three—Finland, Germany, and Luxembourg—also experienced a contraction in GDP growth.

Dual Achievement: Environmental And Economic Goals

In an encouraging development, nine member states, including Cyprus, managed to lower their emissions while maintaining economic expansion. This dual achievement—reducing environmental impact while fostering economic activity—is a trend that has increasingly influenced EU climate policies. Other nations that successfully balanced these outcomes include Austria, Denmark, France, Italy, the Netherlands, Romania, Slovenia, and Sweden.

Conclusion

As the EU continues to navigate its climate commitments, these quarterly insights underscore a gradual yet significant shift toward balancing emissions reductions with robust economic growth. The evolving landscape highlights the critical need for sustainable strategies that not only mitigate environmental risks but also invigorate economic resilience.