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Cyprus Banks Maintain Steady Lending Criteria Amid Stable Demand

by THEFUTURE.TEAM

November 28, 2025

Cyprus banks have upheld their lending standards in the third quarter of 2025, with unchanged terms for both businesses and households, according to the latest Bank Lending Survey (BLS) conducted by the Central Bank of Cyprus. This consistent approach reflects a broader stability in the financial sector amid an evolving economic landscape.

Steady Loan Supply and Stable Terms

The survey highlights a steadfast adherence to established lending criteria across all client categories. Whether for business ventures or household financing, the criteria for granting loans remain consistent with previous quarters. This stability extends to specific terms for new business loans, where a slight decline in interest rates and banking margins can be observed. These adjustments, attributed to heightened competition and a more favorable economic risk profile, underscore the evolving market dynamics.

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Anticipated Uptick in Loan Demand

Despite the stable supply side, banks anticipate a rise in net loan demand in the upcoming fourth quarter. Both businesses and households are expected to seek additional credit for various purposes, including housing, consumer needs, and other credit facilities. This forecast suggests that while the lending criteria remain unchanged, consumer confidence and economic activity might drive higher demand for credit.

Neutral Impact Across Lending Categories

The overall analysis from the CBC confirms that all underlying factors influencing lending standards – for business, housing, consumer, and other loans – have had a neutral impact over the period reviewed. This balanced stance in both loan supply and demand points toward a sustained continuity in the banking sector’s approach to credit risk and market competition.

As Cyprus navigates through a complex economic environment, these measured adjustments and stable lending practices provide a resilient foundation for future growth and investment.

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Meta’s Reality Labs Deepens Its Losses Even As Revenue Climbs

Meta Platforms’ Reality Labs division reported an operating loss of $4.62 billion in the second quarter, highlighting the continued cost of the company’s investments in virtual and augmented reality technologies. The unit generated revenue of $431 million, up from $370 million a year earlier and above analysts’ expectations of $423.4 million, according to StreetAccount. Operating losses widened from $4.53 billion in the same quarter of 2025.

Revenue Grows As Losses Continue

Despite higher revenue, Reality Labs remains one of Meta’s biggest cost centres. Since late 2020, the division has accumulated more than $80 billion in operating losses as the company continues investing in hardware and software for its long-term computing strategy.

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Focus Shifts Toward AI Wearables

Reality Labs develops the Quest virtual reality headsets and Ray-Ban Meta smart glasses in partnership with EssilorLuxottica. While Meta originally positioned the division around its metaverse vision, the company has increasingly focused on AI-powered wearables as demand for virtual reality devices has grown more slowly than expected.

Long-Term Investment

Meta renamed Facebook to Meta in 2021 to reflect its strategy of expanding beyond social media through immersive technologies. Although Reality Labs continues to report multi-billion-dollar quarterly losses, Zuckerberg has maintained that investments in AI, wearable devices and next-generation computing platforms are central to the company’s long-term growth strategy.