Central Bank of Cyprus (CBC): regulatory returns

What this page covers

23 returns, of which 6 national (the CBC's own; group names end '(national)') and 17 EU-harmonised returns that the CBC collects (group names end '(EU, EBA)' or '(EU, ECB)'; the DORA register of information is recorded once under '(EU, ESAs)' for all sectors). Banks first: the CBC's Licensing & Supervision hub (https://www.centralbank.cy/en/licensing-supervision) lists the sectors it licenses and supervises: banks (credit institutions), payment institutions and electronic money institutions, bureaux de change, financial leasing companies, credit servicers and credit purchasers (formerly credit acquiring companies), non-credit institutions and credit intermediaries under the mortgage credit law, and representative offices. It does not list insurers, investment firms or pension funds, so this file does not cover them. National bank returns (group 'Credit institutions (national)') are anchored on the Directives and Guidelines which govern the operation of Banks (https://www.centralbank.cy/en/legal-framework/licensing-supervision/regulations-directives/directives-regulations-and-guidelines-which-govern-the-operation-of-banks): the Directive on the Computation of Prudential Liquidity in all Currencies (quarterly liquidity return), the Circulars on the Immovable Property of Banks (six-monthly return) and the Directive on Supervisory Reporting for Performing, Non-Performing and Forborne Exposures of 2020, which applies only to branches of third-country institutions (ACIs) and extends the EU's own F18/F19 templates to firms outside the scope of EU law. EU-harmonised bank returns (group ends '(EU, EBA)') are anchored on the CBC's 'Rules and Guidance on Reporting Obligations of Credit Institutions' page (https://www.centralbank.cy/en/licensing-supervision/banks/supervisory-disclosure/rules-and-guidance), which states that credit institutions submit supervisory data under Regulation (EU) 575/2013 (CRR), Directive 2013/36/EU (CRD) and the EBA's implementing technical standards on supervisory reporting (Commission Implementing Regulation (EU) 2024/3117, which replaced (EU) 2021/451), and on the 'Aggregate Cyprus Banking Sector Data' page, which names COREP and FINREP as the frameworks the CBC's own aggregate publications are compiled from. This file records the COREP modules (own funds, leverage ratio, large exposures, liquidity coverage, net stable funding, additional liquidity monitoring metrics and the fundamental review of the trading book), asset encumbrance, interest rate risk in the banking book, FINREP and funding plans reporting as EU returns Cyprus banks file under this framework. Four further EU returns on remuneration (benchmarking, high earners, gender pay gap and approved higher ratios) are confirmed individually, because the CBC lists the specific EBA guidelines it has adopted for each (https://www.centralbank.cy/en/legal-framework/licensing-supervision/regulations-directives/eba-guidelines-adopted-by-the-cbc). Not recorded here for lack of a CBC page confirming they apply to a Cyprus bank: G-SII indicator reporting and the EBA's Pillar 3 ESG risk templates (both are gated by a size threshold that no page checked confirms any Cyprus bank meets), resolution reporting (RE1 to RE3) and MREL reporting (the CBC's Resolution pages describe the resolution law, decrees and the register of institutions subject to resolution, not a reporting requirement), the financial conglomerates FICOD return (the CBC's supplementary-supervision directive was found but no page confirms a designated financial conglomerate in Cyprus), and MiCAR regulatory reporting for issuers of asset-referenced or e-money tokens (no page found naming a Cyprus issuer or a reporting template). The DORA register of information on ICT third-party arrangements is recorded once, for all sectors, confirmed by the CBC's own announcement that DORA applied in Cyprus from 17 January 2025. Payment institutions and electronic money institutions: the CBC's page for this sector (https://www.centralbank.cy/en/licensing-supervision/payment-institutions-and-electronic-money-institutions/supervision) names only internal governance directives (all Greek-only) and a safeguarding-assets directive, with no periodic prudential or financial return of the CBC's own found on the pages checked (unlike the CBI's PIA/PIS/EIA/EIS returns); this is recorded as a gap. The one EU-harmonised return recorded for this sector is payment statistics and fraud reporting under Regulation (EU) 2020/2011 (amending ECB/2013/43), which the CBC's reporting instructions page addresses to 'resident Payment Service Providers', a term that covers banks as well as payment and e-money institutions; it is grouped under this sector, as the CBI model file does, even though banks file it too. Financial leasing companies: the Financial Leasing Directive of 2017 names two returns, annual audited financial statements and an annual shareholder return (Annex A). Credit servicers and credit acquiring companies: the Authorisation and Supervision of Credit Acquiring Companies Directive of 2020 names one return, annual audited financial statements; its 2022 amendment, which extended the authorisation and supervision framework to credit servicers, is in Greek only, and no English-language page or document was found confirming whether credit servicers file the same or a different periodic return, which is recorded as a gap. Left out: bureaux de change, non-credit institutions and credit intermediaries under the mortgage credit law, and representative offices, for which the CBC's pages describe only licensing and conduct requirements, not a periodic return; the Deposit Guarantee and Resolution Scheme and the Investor Compensation Fund for Clients of Banks, which publish membership lists and a contribution methodology but no reporting template; the ARTEMIS credit data exchange mechanism, a system for exchanging and collecting credit data rather than a periodic supervisory return, governed by a Directive available only in Greek (recorded instead under submission_systems); the CBC's own statistical reporting (balance of payments, money and banking statistics, and the wider data the CBC collects as part of the ESCB), which is collected by a separate Statistics function and kept out, consistent with how the model files treat statistical returns; and ad hoc, event-driven or licensing submissions (notifications, qualifying-holding and fit-and-probity questionnaires, recovery plans, the SSM's licensing and passporting processes, and whistleblowing to the ECB-SSM). Source

How firms file

• SSM Portal (Information Management System Portal, IMAS)

  An ECB-operated online platform that authorised credit institutions (significant or less significant) and third parties use for supervisory licensing processes: fit and proper assessments of management body members and key function holders of significant institutions, licensing of credit institutions, acquisition of qualifying holdings, passporting, voluntary withdrawal of authorisation, and approval or exemption of financial holding companies. It is not used for the periodic returns in this file. Source

• ARTEMIS data exchange mechanism

  The CBC's own mechanism for the exchange, collection and provision of credit data between data submitters (credit institutions and other credit providers) and data recipients, used to compile a customer credit-exposure report. It is governed by a Directive available only in Greek (most recently the 2026 version), so this file does not describe it as one of the returns above; it is not a periodic supervisory return in the sense of the other entries in this file. Source

Data the CBC publishes from the returns

• Aggregate Cyprus banking sector data (profitability, balance sheet and capital adequacy)

  Added up across firms · Excel workbook (General Notes, Profitability Data, Balance Sheet Data, Balance Sheet Appendix A, Balance Sheet Appendix B, Capital Adequacy Data sheets)

  Quarterly aggregate consolidated financial data for the Cyprus banking sector, compiled from the FINREP and COREP supervisory reporting frameworks: profitability, balance sheet (with appendices on financial assets) and capital adequacy. No individual bank is named. Source

  From: COREP OF, FINREP

  Reuse: The CBC's general terms of use apply (see the licence block).

• Aggregate Cyprus banking sector data (non-performing loans)

  Added up across firms · Excel workbook (General Notes and NPLs sheets)

  Monthly aggregate data on non-performing loans for the Cyprus banking sector. No individual bank is named. The link to a specific return in this file is by subject only: the CBC's page does not say which return (FINREP or a national template) the NPL data is drawn from. Source

  From: FINREP

  Reuse: The CBC's general terms of use apply (see the licence block).

• Aggregate Cyprus banking sector and credit acquiring companies' data (suspended credit facilities)

  Added up across firms · Excel workbook (Notes, TOTAL, by NACE code sheets)

  A dataset on suspended credit facilities for the Cyprus banking sector and credit acquiring companies, last updated for a reference date of 19 June 2020 and compiled every two weeks while published. No individual firm is named. The link to a specific return in this file is by subject only. Source

  From: Annual Audited Financial Statements (CAC)

  Reuse: The CBC's general terms of use apply (see the licence block).

• Aggregate Cyprus banking sector data (debt restructuring targets)

  Added up across firms · Excel workbook

  A one-off published dataset of debt-restructuring targets for the Cyprus banking sector for 2017 Q2, with a commentary document. No individual bank is named. Source

  Reuse: The CBC's general terms of use apply (see the licence block).

• Aggregated data for the Credit Servicers (CSs) and Credit Acquiring Companies (CACs) sector in Cyprus

  Added up across firms · PDF table

  Loan-portfolio data for credit servicers and credit acquiring companies: total contractual balance of loans by borrower category and sub-category, performing/non-performing split, net book value, number of borrowers, and the number and market value of immovable property held. Published annually for 2025 and quarterly from March 2026. No individual firm is named. The link to the annual accounts return in this file is by subject only; the CBC's page does not say this loan-portfolio data is drawn from the audited accounts. Source

  From: Annual Audited Financial Statements (CAC)

  Reuse: The CBC's general terms of use apply (see the licence block).

• Payment statistics and payment fraud statistics (half-yearly statistical releases)

  Added up across firms · PDF statistical releases

  Half-yearly statistical releases on payment transactions and instruments, and on payment fraud, for Cyprus, with euro-area comparisons. No individual payment service provider is named. Source

  From: PAYSTS2

  Reuse: The CBC's general terms of use apply (see the licence block).

• Statistical Data (Article 143 CRD supervisory disclosure)

  Added up across firms · Excel and PDF files by year and topic

  Aggregate statistical data on the Cyprus banking sector, credit risk, operational risk, market risk, and supervisory measures and administrative penalties, published under Article 143(1) and 144 of Directive 2013/36/EU. The files found cover 2008 to 2013 only; no more recent file was found on this page. No individual bank is named. It is not linked to the current returns, because the newest file found is for 2013. Source

  Reuse: The CBC's general terms of use apply (see the licence block).

Reuse terms for the CBC's documents

Central Bank of Cyprus: Terms of Use, 'Intellectual Property Rights', checked 13 November 2026. In the CBC's words:

Unless explicitly stated that a logo or a copyright belongs to a third party, the copyright for the entire content of this internet site is held by the CBC. Without prejudice to third parties’ copyrights, users may make free use of information obtained directly from the CBC's internet site, subject to the following conditions: Any reproductions made of the information, unless such reproductions are expressly restricted, must be accurate, and the CBC must be cited as the source. Where the information is incorporated in documents that are sold, the natural or legal person publishing the information must inform buyers, before they pay any subscription or fee, that the information may be obtained free of charge from the CBC’s internet site. If the information is modified by the user, this must be stated explicitly. When linking to the CBC’s website for business or promotional purposes, the CBC’s internet site must be the sole element in the browser’s window.

Can others share copies?

Allowed with conditions.

Conditions

Reproductions must be accurate and cite the CBC as the source. Where the information is put in documents that are sold, buyers must be told first that it is free on the CBC's website. Any change to the information must be stated explicitly. A link for business or promotional purposes must open the CBC's site as the only thing in the browser window. Third parties' material keeps its own rights.

What the library does

Keeps copies of the documents, as the terms allow. The CBC lets users make free use of the information on its website, provided reproductions are accurate and cite the CBC as the source. So copies of the CBC's own reporting documents are kept, unchanged, with that credit. Legal texts and other bodies' material are not copied.

Notice the CBC's terms ask for: Source: Central Bank of Cyprus (CBC), https://www.centralbank.cy. Documents copied here are unchanged and are available free of charge on the CBC's website. The plain-English summaries are Line4's own; the CBC does not endorse this library.

What could not be verified

Said plainly, so nobody relies on a fact the sources do not give.

• Prudential liquidity return: every document found for this national return dates from 2010 or 2011. Whether Cyprus banks still file it, alongside or instead of the CRR liquidity coverage ratio and net stable funding ratio that apply since 2015, was not confirmed on the pages checked.
• No CBC page or document was found naming an electronic filing system, schema or format (XBRL or otherwise) for COREP, FINREP, asset encumbrance, IRRBB or funding-plan submissions; a sitewide search for 'XBRL' on the CBC's sitemap found no page. These are recorded as 'Other'/not stated.
• No CBC page was found giving a remittance-date schedule for COREP/FINREP and related EU returns, unlike the Central Bank of Ireland's published schedule of reporting dates. Deadlines for these returns are recorded as not stated.
• G-SII indicator reporting and the EBA's Pillar 3 ESG risk data templates are both gated by a size or materiality threshold under the EBA's implementing technical standards; no CBC page confirms a Cyprus bank meets either threshold, so neither is recorded as a return here.
• Resolution reporting (RE1 to RE3) and MREL reporting: the CBC's Resolution pages (https://www.centralbank.cy/en/resolution) describe the resolution law, decrees and the register of institutions subject to resolution, but no page names a periodic reporting return, so these are not recorded.
• Recovery plans: the Directive on the Preparation and Submission of Recovery Plans of 2014 is listed as a current banking directive, but its PDF (https://www.centralbank.cy/images/media/pdf/EN_KDP_154_2014_REV_PLANS0001.pdf) is a scanned image with no extractable text, so its submission frequency could not be read, and it predates the Resolution of Credit Institutions and Investment Firms Law of 2016 that transposed BRRD; it is not recorded as a return here.
• Payment and e-money institutions: no CBC page names a periodic prudential or financial return of the CBC's own for this sector (comparable to the Central Bank of Ireland's PIA, PIS, EIA and EIS returns); only governance directives (Greek-only) and the EU payment statistics and fraud return were found.
• Credit servicers: the 2022 Greek-only amendment to the Authorisation and Supervision of Credit Acquiring Companies Directive extended that framework to credit servicers, but no English-language page or document was found confirming whether credit servicers file the same annual-accounts return as credit acquiring companies, a different one, or none; this file records the return only for credit acquiring companies.
• Immovable property return: the 2018 Circular Letter (https://www.centralbank.cy/images/media/pdf/Circular-Letter.pdf) is a scanned PDF with no extractable text, so its deadline could not be read beyond the linking page's statement that the report is six-monthly.
• Payment statistics: the PAYSTS2 Excel workbooks' sheet tabs carry only internal table codes (for example PAYSTS2_T9.01), with no plain-language title in the cells read, so the templates.items list is left empty rather than invented; and the submission-calendar spreadsheet (PAY SUBMISSION_CALENDAR_ENGLISH_2027.xlsx) was found but its cell contents (exact deadlines) were not opened.
• ARTEMIS data exchange mechanism: the current Directive governing it (2026) is available only in Greek. It was read far enough to confirm its subject (credit data exchange, access categories and a 'customer overall picture report'), but not read in enough depth to describe as a periodic supervisory return in this file; it is recorded under submission_systems instead.
• Deposit Guarantee and Resolution of Credit and Other Institutions Scheme, and the Investor Compensation Fund for Clients of Banks: both publish a list of member/covered institutions and, for the DGS, a contribution-calculation methodology, but no page names a periodic data return or template that feeds either; not recorded as returns.
• Financial conglomerates (FICOD): the CBC has issued directives on the supplementary supervision of credit institutions belonging to a financial conglomerate, but no page confirms that a financial conglomerate is currently designated in Cyprus or names a periodic FICOD return; not recorded as a return here.
• MiCAR regulatory reporting: the CBC's MiCAR page lists the EU technical standards and guidelines that apply, but does not name a Cyprus issuer of asset-referenced or e-money tokens, or a reporting template of its own; not recorded as a return here.
• Credit institutions law and most of its Greek-only amendments (the current consolidated Greek text was not read line by line); the English page for this law was read, but legal_basis citations for individual national returns rely on the directives themselves rather than a full reading of the consolidated law.

Sources

• Central Bank of Cyprus: Licensing & Supervision
• Central Bank of Cyprus: Banks
• Central Bank of Cyprus: Rules and Guidance on Reporting Obligations of Credit Institutions
• Central Bank of Cyprus: Aggregate Cyprus Banking Sector Data
• Central Bank of Cyprus: Directives and Guidelines which govern the operation of Banks
• Central Bank of Cyprus: EBA Guidelines adopted by the CBC
• Central Bank of Cyprus: Payment Institutions and Electronic Money Institutions - Supervision
• Central Bank of Cyprus: Instructions concerning the reporting of Payment Statistics
• Central Bank of Cyprus: Financial Leasing Companies
• Central Bank of Cyprus: Credit Servicers and Credit Purchasers
• Central Bank of Cyprus: Regular publication of aggregated data for the Credit Servicers (CSs) and Credit Acquiring Companies (CACs) sector in Cyprus
• Central Bank of Cyprus: Application of Regulation (EU) 2022/2554 on Digital Operational Resilience (DORA)
• Central Bank of Cyprus: Deposit Guarantee and Resolution of Credit and Other Institutions Scheme
• Central Bank of Cyprus: Resolution
• Central Bank of Cyprus: Terms of Use

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. See every regulator in the regulatory returns library.