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  • Contact Us
    • Working Hours
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    • Ask the Provident Fund
  • Ελληνικά
  • English
  • Home
  • The Fund

    • Introduction
      • Number of Members
      • Age of Members
      • Expences
      • Contributions and Withdrawals
    • Mission
      • Vision
      • Strategic Plan
      • Guiding Principles
      • Philosophy
      • Core of Values
      • History
    • Procedures
      • Collection of Contributions
      • Follow up contributions
      • Register of Hotels
      • Collecting Rent
      • Withdrawals of contributions
      • Calculation of Real Estate Evaluation
    • Clarifications
    • Conflict of Interest Policy
    • Corporate Governance
    • Dictionary
  • Services

    • Loans
      • Life insuarance on member loans
    • Withdrawn
    • Transfers
  • Portfolio

    • Allocation
    • Investment Returns
    • Capital
    • Annual Financial Accounts
    • Statement of Investment Principles
  • Rules & Regulations

    • The Provident Fund Law & Regulations
    • Articles of Association
    • The Processing of Personal Data Law Manage
    • The Deposit Protection
  • Organization

    • Management Committee
      • Board Members
      • Responsibilities and Obligations
      • Term of the Committee
      • Meetings
      • General Meetings
    • Committees
      • Secretariat
      • Real Estate
      • Economy
    • Managerial Staff
      • General Manager
      • Chief Financial Officer
    • Departments and Personnel
      • Contributions and Withdrawals
      • Loans and Accounting Support
      • Duties of Officer
    • External Consultants
      • Legal Advisors
      • Auditors
      • Internal Auditors
      • Investment Consultant
    • Career Opportunities
  • Press
    • Announcements
    • Awards and Distinction
    • Video
  • Contact Us

    • Working Hours
    • Telephones and Address
    • Ask the Provident Fund
  • Ελληνικά
  • English
  • Summer Holidays 2025

    We would like to inform the Members of our Fund that our office will be closed from 11 August until ...

  • Annual General Meeting for 2024

    The Annual General Meeting for 2024, will be held on Wednesday, May 28 2025, at Aphrodite Hills Reso...

  • Performance of the Fund for the year 2024

    The Fund had a positive return for the year 2024 which corresponds to + 6.8274%....

  • Warm Wishes from Hotel Employees Provident Fund

    Hotel Employees Provident Fund wishes you Merry Christmas and Happy New Year 2025!...

  • Summer Holidays 2024

    We would like to inform the Members of our Fund that our office will be closed from 12 August until ...

  • Loan applications only online

    We inform our members that from 15th July 2024 the Fund will only accept online loan applications. A...

  • Annual General Meeting for 2023

    The Annual General Meeting for 2023, will be held on Tuesday, May 28 2024, at Hilton Hotel in Nicosi...

  • Performance of the Fund for the year 2023

    The Fund had a positive return for the year 2023 which corresponds to + 4.1925%....

  • Warm Wishes from Hotel Employees Provident Fund

    Hotel Employees Provident Fund wishes you Merry Christmas and Happy New Year 2024!...

  • Working Hours

    We inform our members that as from 4th of December 2023 the office working hours will be as follows:...

  • Electronic Application Procedure

    We inform our members that for your convinience and to speed up the process, Loan applications can a...

  • Summer Holidays 2022

    We would like to inform the Members of our Fund that our office will be closed from 15th August 2022...

  • Annual General Meeting for 2021

    The Annual General Meeting for 2021, will be held on Tuesday, May 24 2022, at Golden Bay Beach Hotel...

  • Performance of the Fund for the year 2021

    The Fund had a positive return for the year 2021 which corresponds to +7,7040%....

  • Press Release – Holding of the Annual General Meeting for the years 2019 & 2020

    Έχουν πραγματοποιηθεί με επιτυχία στις 20 Οκτωβρίου 2021 στο ξενοδοχείο Grand Resort στην Λεμεσό, η ...

  • Annual General Meeting for the Years 2019 and 2020

    The Annual General Meeting for the years 2019 and 2020, will be held on Wednesday, October 20, at th...

  • Performance of the Fund for the year 2020

    The Fund had a positive return for the year 2020 which corresponds to + 1.5129%....

  • Capitalization 2020

    We inform the members who have a loan at the Provident Fund that the capitalization for 2020 has bee...

  • Warm Wishes From The Hotel Employees Provident Fund

    The Hotel Employees Provident Fund wish you Merry Christmas and Happy New Year!...

  • Resignation of Karolina Mylona and recruitment of Xenia Iacovou

    Mrs. Karolina Mylona has resigned from the Management Support Officer position at the Provident Fund...

  • Replacement by the Trustees Board of Mr. Lakis Panagiotou by Mr. Socrates Solomidis

    He left the Fund Committee of the Fund as a representative of S.T.E.K. Mr. Lakis Panagiotou after te...

  • Summer Holidays

    We would like to inform the Members of our Fund that our office will be closed from 10 August 2020 u...

  • Suspension Of Loan Payment Obligation

    The Members of the Fund who do not work and are beneficiaries of the government’s special plans, may...

  • Change of the procedure of signing a Loan Agreement

    In order to better conduct our Fund’s operations, please be informed that, to receive a cheque in re...

  • Annual General Meeting

    The Trustees Board of the Fund would like to inform its Members that the Annual General Meeting whic...

  • Upgrading the online platform of our Fund Members

    Our Fund is happy to inform you that, as part of its ongoing improvement strategy, in response to to...

  • Online loan application

    We are pleased to inform our Members that they can apply for an online loan using their username and...

  • At +8.10% the performance of the Fund for 2019

    The performance of the Fund for 2019 derived from global markets investments return of +10.3% or €17...

  • Office Working Hours

    We would like to inform our Members that our office continues to work regular working hours in an ef...

  • Fund’s Result for 2018

    The Fund’s result for 2018 is a loss to Members’ balances at 31/12/2018 amounting to -1....

  • Fund Performance to + 5.01% for 2017

    The Provident Fund of Hotel Industry Employees achieved an extremely stable return of EUR 10.5 milli...

  • 49th Annual General Assembly of the Provident Fund of Hotel Industry Employees

    The 49th Annual General Assembly of the Provident Fund of Hotel Industry Employees was held on 8 Jun...

  • Loan Offsetting

    Following the decision of the Management Committee of the Hotel Provident Fund, the Fund has proceed...

  • Report and financial statements 31 December 2016

    Read the Report and financial statements of 31 December 2016....

  • Annual General Meeting of the Fund for the year 2016

    The Annual General Meeting for the year 2016 will be held on June 8, 2017 at Nissi Beach Hotel, Ayia...

  • The Fund’s results for 2016 are at + 2.7073%

    The Fund’s result for the year 2016 is positively assessed as it reached + 2.71% On the global...

  • Total Members 12,405 on December 31 2016. New members 1,647 and many inactive to become active

    The Fund announced that for 2016 were contributions for 6,851 Members compared with 5,397 in 2015. T...

  • IPE Awards

    Our Provident Funds will participate at the IPE Awards on 1-2 December 2016 at Berlin. With over 300...

  • UK’s NEST wins IPE’s Best European Pension Fund Award

    The National Employment Savings Trust (NEST) was the big winner at IPE’s annual Awards & Confere...

The Fund

To be proud of our service by providing confidence for the future.
The Hotel Employees Provident Fund constitutes one of the largest pension organizations operating in Cyprus in respect of the number of its members and also the greatest Fund of the private sector based on its portfolio value.
The contributions of the Members are credited to the Account A of the Fund while the contributions of the employer are credited to the Account B.

Read more…

Investment Policy

The Declaration of Investment Policy Principles is the most important document of the Management Committee of any Provident Fund. The Management committee of the Hotel Employees Provident Fund approved and adopted the Declaration of Investment Policy Principles during its meeting which was held on 14th November 2011.

The Declaration of Investment Policy Principles(pdf file)

Privacy Policy

This Privacy Notice sets out how Hotel Employees Provident Fund (the “Fund”) processes data, on individuals (including personal data in respect of individuals who aremembers, or other third parties that the Fund interacts with, or any individual who is connected to those parties) or otherwise. Where the data held are on individuals, thisdocument also sets out the rights of those individuals in respect of that personal data.

Privacy Policy (pdf file)

Applications

APPLICATION NEW MEMBER REGISTRATION

LOAN APPLICATION ONLY ONLINE

CONTRIBUTIONS WITHDRAWALS FORM

© 2025 , Hotel Employees Provident Fund
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