Cyprus financial portrait: households accumulate assets, debt burden decreases

Household assets in Cyprus reached €65.1 billion by the end of 2025, according to quarterly data from the Central Bank. The bulk of the funds — 53% — are held in cash, deposits, and loans, indicating continued public caution in investments.

Another 26% of assets are placed in shares, 17% in other financial instruments, and only 3% in securities. This structure reflects moderate interest in the stock market while maintaining a high share of liquid funds.

At the same time, household debt amounted to €19.8 billion, falling to 54% of GDP. This is slightly lower than the previous quarter and significantly less than the 2016 level — over this period, the debt burden has been reduced by 64%.

Non-financial companies also demonstrate significant asset volumes — €78.4 billion. Their structure is dominated by shares (38%) and other financial assets (32%), while the share of cash and deposits is 23%.

Total company debt reached €39.2 billion, equivalent to 107% of GDP. Despite the high level, compared to 2016, the figure has almost halved, indicating a gradual stabilization of the corporate sector.

In other segments of the financial system, assets of insurance companies amounted to €6.2 billion, investment organizations — €7.4 billion, and pension funds — €4.9 billion. At the same time, insurance companies actively invest in shares (45%) and securities (28%), investment funds direct up to 80% of funds into shares, and pension funds — about 57%.

Experts note that these indicators testify to the gradual strengthening of Cyprus's financial stability: the debt burden is decreasing, and investment activity remains, despite global economic uncertainty.