Cyprus Household Assets Hit €65.1B While Debt Levels Fall

According to the latest quarterly report from the Central Bank of Cyprus, household financial assets in Cyprus reached €65.1 billion at the end of December 2025. The data also show changes in asset allocation and a continued decline in borrowing levels.

Household Asset Composition And Debt Trends

Cash, deposits, and loans accounted for 53% of household financial assets, while bonds represented 3%. Equities made up 26%, with the remaining 17% classified as other financial instruments. Household debt stood at €19.8 billion, equivalent to 54% of GDP, slightly lower than in the previous quarter. Compared with December 2016, the debt-to-GDP ratio has fallen by 64%, indicating a reduction in leverage over time.

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Financial Performance Of Non-Financial Corporations

Non-financial corporations held €78.4 billion in financial assets. Their portfolios included 23% in cash and deposits, 6% in loans, 0.6% in bonds, 38% in equities, and 32% in other financial instruments. Total corporate debt reached €39.2 billion, or 107% of GDP. This represents a 99% decline in the debt-to-GDP ratio compared with December 2016, reflecting a sustained adjustment in corporate balance sheets.

Insurance, Investment And Pension Funds

Insurance companies held €6.2 billion in financial assets, while investment organisations managed €7.4 billion and pension funds €4.9 billion. In the insurance sector, equities accounted for 45% of assets and bonds for 28%. Investment organisations allocated 80% of assets to equities, while pension funds held 57% in equities.

These comprehensive insights from the Central Bank of Cyprus shed light on the evolving financial landscape in Cyprus, highlighting the ongoing shift toward asset-driven stability and strategic debt management amid a backdrop of economic recalibration.

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Cyprus Ranks Among EU Leaders In Tertiary-Educated ICT Workforce

by THEFUTURE.TEAM

May 25, 2026

High Educational Attainment Sets Cyprus Apart

Recent data from Eurostat showed that Cyprus is expected to rank among the leading European countries for tertiary-educated ICT professionals in 2025. According to the figures, 96.4% of ICT professionals in Cyprus are projected to hold tertiary education qualifications, placing the country among the highest-ranked members of the European Union.

Gender Disparity Remains A Critical Challenge

Despite the high level of educational attainment, the ICT workforce in Cyprus continues to show a significant gender imbalance. Men are projected to account for 85.1% of ICT employees in 2025, while women are expected to represent 14.9% of the sector. In 2024, the split stood at 70.9% for men and 29.1% for women. The figures highlighted a widening gender gap within the country’s ICT workforce.

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European Union Trends And Comparative Analysis

Across the European Union, the number of ICT professionals is projected to increase to 3.4 million in 2025 from 3.2 million in 2024, representing annual growth of 5.1%. Men are expected to account for 83.4% of ICT employment across the bloc, equivalent to approximately 2.8 million workers, while women are projected to represent 16.6%.

National Performance Variability In Gender Representation

Countries within the EU show a varied landscape: the highest percentages of male ICT professionals are reported in the Czech Republic (92.9%), Slovenia (89.1%), Latvia (89.0%), Lithuania (88.9%), and Slovakia (88.4%). On the contrary, nations such as Denmark (30.0%), Sweden (29.8%), Romania (28.6%), Bulgaria (25.6%), and Croatia (25.2%) lead in female participation in the ICT arena.

Educational Background Across The European ICT Sector

Eurostat data also showed that most ICT professionals across the EU hold tertiary education qualifications. By 2025, 74.8% of ICT workers in the bloc are projected to have university-level education, while 25.2% are expected to hold secondary or post-secondary qualifications. Denmark recorded the highest share of tertiary-educated ICT professionals at 97.7%, followed by France at 96.6% and Cyprus at 96.4%. Other countries with high levels of tertiary-educated ICT workers included Ireland at 92.3%, Bulgaria at 91.1%, and Croatia at 90.9%. At the lower end of the ranking, Italy recorded 69.2%, while Portugal stood at 58.8%.

Conclusion

The data perfectly encapsulates the dual narrative in the ICT sector: while countries like Cyprus and Denmark achieve remarkable educational standards among ICT workers, persistent gender disparities remind us that diversity remains an ongoing challenge. As the ICT landscape continues to evolve, strategic policy formation and corporate governance will be pivotal in balancing excellence with inclusivity.

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