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Cyprus Lending Surge In September 2025 Highlights Robust Market Expansion

by THEFUTURE.TEAM

November 3, 2025

Robust Increase In New Loans

New loan figures reported for Cyprus in September 2025 reached an impressive €447.9 million, up from €245.5 million in August, according to data from the Central Bank of Cyprus. This significant rise underscores a pronounced boost in lending activity, predominantly geared toward business financing.

Segment-Specific Growth And Dynamics

The detailed statistics reveal that net new loans to non-financial companies totaled €309.4 million. Within this segment, loans up to €1 million accounted for €62.7 million, while larger loans exceeding €1 million reached €246.7 million. Housing loans also witnessed a notable increase, climbing to €112.9 million from €96.3 million in the previous month. Meanwhile, consumer loans experienced a marginal upward adjustment, moving from €20.4 million in August to €21.2 million. Overall, the aggregate of new loans—including debt restructurings—soared to €770.5 million compared to €420.4 million the prior month.

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Shifting Interest Rate Trends

Interest rate movements further illuminate current market dynamics. In the lending segment, consumer loan rates declined from 7.09% to 6.46%, while housing loan rates eased from 3.91% to 3.63%. Conversely, rates for small enterprises edged upward from 4.19% to 4.32%, and loans exceeding €1 million saw a reduction from 4.30% to 3.79%.

On the deposit front, the average fixed deposit interest rate for households experienced a slight increase from 1.08% to 1.10%, with non-financial companies recording an improvement from 1.15% to 1.24%.

Comparative Insights With The Eurozone

When benchmarked against other Eurozone member states, Cyprus’s loan interest rates remain closely aligned with the European average: household loans stand at 3.93% compared to 3.91%, and business loans are reported at 4.22% versus 3.80%. However, deposit interest rates in Cyprus remain substantially lower, with households earning just 0.78% compared to 1.74% across the Eurozone, and non-financial companies receiving 1.08% as opposed to 1.94%.

The evolving lending landscape in Cyprus reflects broader economic trends and underscores the resilience of the market, as financial institutions adjust to shifting demand and interest rate environments. These developments will be critical to watch as they continue to influence both business financing and consumer deposit markets in the region.

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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.