Nicosia, Cyprus. Cyprus household financial assets reached €65.1 billion at the end of December 2025, while household debt stood at €19.8 billion, or 54 per cent of gross domestic product, according to the Central Bank of Cyprus (CBC).
Household asset composition and debt trends
The CBC said household financial assets were distributed across several categories reflecting savings and investment holdings.
It reported that 53 per cent of household assets were held in cash, deposits and loans, 3 per cent in debt securities, 26 per cent in shares and 17 per cent in other financial instruments.
Household debt totalled €19.8 billion, with the debt ratio at 54 per cent of GDP, marking a slight decrease compared with the previous quarter.
Compared with December 2016, the household debt ratio declined by 64 per cent, according to the CBC.
Corporate assets, allocation and debt levels
Non-financial corporate assets amounted to €78.4 billion, with sector debt reaching €39.2 billion, equivalent to 107 per cent of GDP, the CBC said.
It reported that non-financial companies held 23 per cent of assets in cash and deposits, 6 per cent in loans, 0.6 per cent in debt securities, 38 per cent in shares and 32 per cent in other financial instruments.
Corporate debt reached €39.2 billion at the end of December 2025, with the debt ratio at 107 per cent of GDP, also showing a slight decrease compared with the previous quarter.
The CBC said the corporate debt ratio was down by 99 per cent compared with December 2016.
How do changes in household and corporate debt ratios affect your view of Cyprus’s financial stability?
