Nicosia, Cyprus. Bank of Cyprus announced the publication of its Pillar 3 disclosures for the year ended December 31, 2025, outlining its risk profile, financial performance and strategic direction.
Risk appetite and business model
The disclosures provide a high-level overview of the group’s risk appetite and business model, describing how it balances growth with regulatory compliance and financial stability.
2025 financial performance
The group said financial performance remained strong in 2025, reporting a return on tangible equity of 18.6 per cent and earnings per share of €1.10. It also reported robust growth in deposits and loans, supporting the resilience of net interest income despite a lower interest rate environment.
Costs, asset quality and book value
Bank of Cyprus said it maintained strict cost discipline and strong asset quality, contributing to a 6 per cent year-on-year increase in tangible book value per share to €6.10.
Strategic focus and investment priorities
The report cited a continued focus on capital-efficient revenue growth, including high-quality new lending and expansion in insurance and digital products, aiming to diversify income beyond traditional banking. The group reiterated that its strategy centres on sustainable profitability and attractive shareholder returns, while supporting the wider economy and stakeholders. It added that investment in technology, including artificial intelligence, remains a priority alongside maintaining a low-risk business model.
Non-performing exposures
On asset quality, the group reported that non-performing exposures fell to €127 million in 2025 from €202 million in 2024.
What aspects of the bank’s 2025 disclosures do you consider most important to monitor in the year ahead?