Cyprus financial accounts for 2025 reveal economic position and household resilience

On November 2, 2026, the Cyprus Statistical Service (Cystat) released its annual financial accounts for the year 2025. The data reveals that the Cypriot economy ended the year with a negative net financial position of €31.32 billion, as total financial liabilities of €826.45 billion exceeded total financial assets of €795.13 billion. Equity and shares dominated both the asset and liability sides of the national balance sheet.

Cypriot households showed financial resilience, holding €62.57 billion in assets, over half of which (53.8%) was in cash and deposits. With household loans totaling €19.89 billion, representing 51.9% of GDP, the average household holds nearly 1.7 euros in liquidity for every euro of debt. Conversely, non-financial corporations face higher vulnerability, with debt reaching €41.62 billion, or 108.6% of GDP. These businesses hold a significant portion of their assets in non-liquid equity, creating a disparity between their obligations and immediate cash reserves.

The report highlights a stark contrast between the liquid savings habits of households and the debt-heavy structure of the corporate sector. Analysts suggest that the future economic stability of the island will depend on the ability of non-financial companies to manage their high debt ratios and improve liquidity in an environment of financial constraint.