AI Adoption In European Businesses: Who’s Leading The Charge?

by THEFUTURE.TEAM

February 10, 2025

Artificial Intelligence is gaining traction across European enterprises, but large corporations are far ahead of small and medium-sized businesses in both adoption rates and applications.

According to Eurostat, 13% of EU businesses with at least 10 employees are now using AI—a 5.5% increase from 2023. Every member state has reported growth in AI adoption, but the most significant uptake is among large companies, where 42% are leveraging the technology.

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How Businesses Are Using AI

The most widely implemented AI applications vary by company size, but overall, text mining is the most common (7%), helping businesses analyze vast amounts of written content. Natural language generation, which automates text and speech creation, follows at 5.4%, while speech recognition, used for transcribing spoken language, is at 4.8%. Other notable AI technologies include deep learning and workflow automation, both of which are more prevalent in larger organizations.

AI Leaders And Laggards In Europe

Denmark tops the list in AI adoption, with 27.6% of businesses integrating the technology, followed by Sweden (25.1%) and Belgium (24.7%). On the other end of the spectrum, Romania (3.1%), Poland (5.9%), and Bulgaria (6.5%) have the lowest adoption rates.

When looking solely at large enterprises, Finland leads with an impressive 70% adoption rate. Meanwhile, France and Italy lag behind the EU average, with around one-third of their large businesses using AI. Germany (48%) and Spain (44%) are ahead of the curve, outpacing the overall EU trend.

As AI continues to evolve, businesses of all sizes will need to consider how best to integrate the technology to stay competitive in an increasingly digital landscape.

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Central Bank Of Cyprus Balance Sheet Reflects Strong Eurosystem Position

by THEFUTURE.TEAM

February 17, 2026

Overview Of Financial Stability

The Central Bank of Cyprus (CBC) has released its latest balance sheet, reaffirming its steadfast role within the Eurosystem. The balance sheet, featuring total assets and liabilities of €29.545 billion, underscores the institution’s stable financial posture at the close of January 2026.

Asset Allocation And Strategic Holdings

Governor Christodoulos Patsalides issued the balance sheet, which details the CBC’s asset composition under the Eurosystem framework. Notably, the bank’s gold and gold receivables amounted to €1.635 billion, providing a significant hedge and stability to its balance sheet. Additional asset categories include claims on non-euro area residents denominated in foreign currency at €1.099 billion, while claims on euro area residents in both foreign and domestic currency add further depth to its portfolio.

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The most substantial asset category, intra-Eurosystem claims, reached €19.438 billion, an indication of the CBC’s deep integration with its European counterparts. Furthermore, euro-denominated securities held by euro area residents contributed €6.587 billion. Despite a marked emphasis on these areas, lending to euro area credit institutions in monetary policy operations recorded no activity during the period.

Liability Structure And Monetary Policy Implications

On the liabilities side, banknotes in circulation contributed €3.218 billion. Liabilities to euro area credit institutions associated with monetary policy operations were notably the largest single category, totaling €17.636 billion. Supplementary liabilities included those to other euro area residents, which aggregated to €4.989 billion, with government liabilities playing a predominant role at €4.754 billion.

Other liability items, such as claims related to special drawing rights allocated by the International Monetary Fund at €494.193 million, and provisions of €596.571 million, further articulate the CBC’s exposure. Revaluation accounts stood at €1.643 billion, and overall capital and reserves were confirmed at €333.822 million, completing the picture of a well-capitalized institution.

Conclusive Insights And Strategic Alignment

The detailed breakdown illustrates the CBC’s sizeable intra-Eurosystem exposures, reinforcing its central role within Europe’s monetary landscape. With an asset-liability balance maintained at €29.545 billion, the CBC’s financial position remains robust, indicating a commitment to structural stability and strategic risk management.

This fiscal disclosure not only provides transparency into the CBC’s operations but also serves as a benchmark for comparative analysis among other central banks within the Eurosystem, highlighting the intricate balance between asset liquidity, regulatory oversight, and monetary policy imperatives.

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