The total outstanding balances of loan agreements held by Credit Acquiring Companies (CACs) amounted to €19.351 billion at the end of 2025, according to data released on Thursday by the Central Bank of Cyprus. Of these, 94% are Non-Performing Loans (NPLs).

Specifically, €18.223 billion are NPLs, while €1.128 billion were classified as performing loans.

By comparison, at the end of 2024, CACs held loan agreements with a total balance of €20.303 billion, with NPLs amounting to €19.108 billion and performing loans at €1.195 billion. This represents an annual decline of 4.7% in the total balance and in NPLs outside the banking sector.

Compared to the data at the end of the first semester of 2025, total loan balances fell by €351 million (1.78%), with NPLs decreasing by €311 million (1.68%).

Of the €19.3 billion, €9.925 billion belong to individuals and €9.426 billion to legal entities, with NPL percentages corresponding to 93% for individuals and 95% for legal entities.

The total real estate portfolio held by CACs on 31 December 2025 amounted to 8,603 properties, valued €952 million.

CNA/MCH/EPH/2026

ENDS, CYPRUS NEWS AGENCY