National Bank Of Greece (Cyprus) Introduces Innovative Fixed-Term Deposit Product

Stable Returns In An Uncertain Market

The National Bank of Greece (Cyprus) has unveiled a new fixed-term deposit option designed to cater to investors seeking predictability in an ever-evolving financial landscape. With transparent terms and assured returns, the product emphasizes stability—a critical asset in turbulent economic times.

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Clear Terms And Guaranteed Returns

Investors have the opportunity to select either a six-month or nine-month deposit period, offering fixed interest rates of 1.50% and 1.35% respectively, applicable to deposits starting from €75,000. This approach provides customers with clarity from the onset, ensuring that their financial planning is both precise and reliable.

Strategic Financial Planning

In a rapidly changing economic environment, the bank’s announcement underscores the importance of secure and predictable financial choices. By offering guaranteed returns, the National Bank of Greece (Cyprus) helps its clientele achieve a more controlled and forward-thinking investment strategy, enabling long-term financial security amidst market uncertainties.

A Product Designed For Modern Investors

With its commitment to combining transparency and stability, the new fixed-term deposit not only meets the current market demand for predictable returns but also reinforces the bank’s reputation as a reliable financial partner. Its clear terms and established interest rates provide an effective tool for investors aiming to secure a stable future.

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Cyprus Hits Historic Tourism Peak As Overtourism Risks Mount

by THEFUTURE.TEAM

February 13, 2026

Record-Breaking Performance In Tourism

Cyprus’ tourism sector achieved unprecedented success in 2025 with record-breaking arrivals and revenues. According to Eurobank analyst Konstantinos Vrachimis, the island’s performance was underpinned by solid real income growth and enhanced market diversification.

Robust Growth In Arrivals And Revenues

Total tourist arrivals reached 4.5 million in 2025, rising 12.2% from 4 million in 2024, with momentum sustained through the final quarter. Tourism receipts for the January–November period climbed to €3.6 billion, marking a 15.3% year-on-year increase that exceeded inflation. The improvement was not driven by volume alone. Average expenditure per visitor increased by 4.6%, while daily spending rose by 9.2%, indicating stronger purchasing power and higher-value tourism activity.

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Economic Impact And Diversification Of Source Markets

The stronger performance translated into tangible gains for the broader services economy, lifting real tourism-related income and overall sector turnover. Demand patterns are also shifting. While the United Kingdom remains Cyprus’ largest source market, its relative share has moderated as arrivals from Israel, Germany, Italy, the Czech Republic, the Netherlands, Austria, and Poland have expanded. This gradual diversification reduces dependency on a single market and strengthens resilience against external shocks.

Enhanced Air Connectivity And Seasonal Dynamics

Air connectivity has improved markedly in 2025, with flight volumes expanding substantially compared to 2019. This expansion is driven by increased airline capacity, enhanced route coverage, and more frequent flights, supporting demand during shoulder seasons and reducing overreliance on peak-month flows. Seasonal patterns remain prominent, with arrivals building through the spring and peaking in summer, thereby bolstering employment, fiscal receipts, and corporate earnings across hospitality, transport, and retail sectors.

Structural Risks And Future Considerations

Despite strong headline figures, structural challenges remain. The European Commission’s EU Tourism Dashboard highlights tourism intensity, seasonality, and market concentration as key risk indicators. Cyprus records a high ratio of overnight stays relative to its resident population, signalling potential overtourism pressures. Continued reliance on a limited group of origin markets also exposes the sector to geopolitical uncertainty and sudden demand swings. Seasonal peaks place additional strain on infrastructure, housing availability, labour supply, and natural resources, particularly water.

Strategic Investment And Market Resilience

Vrachimis concludes that sustained growth will depend on targeted investment, product upgrading, and continued market diversification. Strengthening year-round offerings, improving infrastructure capacity, and promoting higher-value experiences can help balance demand while preserving long-term competitiveness. These measures are essential not only to manage overtourism risks but also to ensure tourism remains a stable pillar of Cyprus’ economic development.

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