Households in Cyprus had, on average, almost 1.7 euros in cash and deposits for every euro they owed in loans at the end of 2025, according to national accounts data published by the Statistical Service (CYSTAT). Businesses held 24.1 per cent of their 75.85 billion euros in assets in cash and deposits.
Households
Household financial assets stood at 62.56 billion euros at the end of December 2025. Of those, 53.8 per cent was in cash and deposits, 25.0 per cent in shares, 2.6 per cent in debt securities and 0.8 per cent in loans. Household loans totalled 19.88 billion euros, equal to 51.9 per cent of gross domestic product (GDP).
Businesses
Businesses held 37.0 per cent of their assets in shares and 31.9 per cent in other financial assets, with 5.5 per cent in loans and 1.0 per cent in debt securities. Their loans amounted to 41.61 billion euros at the end of December 2025, a debt ratio of 108.6 per cent of GDP. They also owed 20.58 billion euros to suppliers and on open accounts, against 24.22 billion euros owed to them by their own customers.
State and external sector
The state’s total official debt, in bonds and loans, stood at 19.82 billion euros, while general government held 21.05 billion euros in cash. That means the state has 1.06 euros in deposits for every euro it owes.
Foreign investors held assets of 587.18 billion euros in the Cypriot economy, mainly in shares of financial corporations, worth 365.85 billion euros. The country’s overall net financial position showed a deficit of 31.32 billion euros. Financial derivatives, with assets of 546 million euros, are held only by banks and the rest of the world.
