Non-Performing Loans: A €22 Billion Burden On The Cypriot Economy

Non-performing loans (NPLs) in Cyprus, totalling €22 billion, continue to pose a significant challenge to the country’s economic stability, accounting for 73.4% of its GDP as of 2023. The Central Bank of Cyprus reported that the outstanding loan portfolio managed by Credit Acquisition Companies (CACs) and banks stood at €21.8 billion by the end of December 2023. Key figures include €14.2 billion in residential mortgage loans and €4.1 billion in business loans, with consensual debt restructuring efforts amounting to €4.1 billion.

Detailed Figures and Economic Impact

Residential Mortgage Loans: €14.2 billion
Business Loans: €4.1 billion
Debt Restructuring: €4.1 billion
Outstanding Loan Portfolio: €21.8 billion

Economic Concerns

The high level of NPLs reflects significant financial strain on both households and businesses, hindering economic growth and stability. Efforts to restructure debt and reduce the NPL burden are ongoing, but the scale of the problem remains substantial.

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Strategic Measures

Authorities and financial institutions are focusing on comprehensive debt restructuring, improved credit practices, and regulatory measures to address the NPL issue. These efforts are crucial for restoring financial health and promoting sustainable economic development in Cyprus.

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MENA Venture Capital Stable As International Investor Activity Shifts

by THEFUTURE.TEAM

April 10, 2026

A Data-Led Analysis Of Investor Behavior In A War-Affected Region

Venture capital activity in the Middle East and North Africa remained relatively stable one month after the escalation of regional conflict. Early data, however, indicate changes in investor behavior rather than immediate shifts in funding totals. Initial signals are visible in investor participation, capital allocation, and deal pipeline activity.

Venture Markets And The Lag In Response

Funding announcements reflect decisions made months earlier, meaning that today’s figures do not capture the full impact of current events. Investors typically adjust strategies gradually, signaling future shifts long before they are immediately visible in total funding numbers.

International Capital As The Key Pressure Indicator

Participation of international investors remains a key indicator across the MENA venture market. Global capital has historically accounted for a significant share of funding in the region. Following global interest rate increases, international participation declined through 2023. This shift was reflected in lower cross-border deal activity, more cautious capital deployment, and longer fundraising timelines.

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Implications For The Broader Startup Ecosystem

Changes in international investor activity affect multiple parts of the startup ecosystem. A recovery in participation was recorded in 2024 and continued into 2025, supporting funding activity and cross-border investment. If uncertainty persists, potential effects include slower investment decisions, reduced cross-border engagement, and extended fundraising cycles. International capital also plays a role in supporting larger funding rounds and access to global networks.

Next Steps For Stakeholders

International capital represents one of several factors shaping venture activity in the region. Its movement often precedes changes in late-stage funding, startup formation, and exit activity. Investors, policymakers, and ecosystem participants rely on data and scenario analysis to assess these trends and adjust strategies.

For A Deeper Insight

Further analysis on venture activity, capital flows, and geopolitical impact across the region is available in the full MAGNiTT report.

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