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Eurobank’s Record €1.36bn Profit Paves The Way For Strategic Expansion

by THEFUTURE.TEAM

February 27, 2026

Eurobank reported net profit of €1.36 billion for 2025, exceeding internal targets and supporting the bank’s three-year expansion strategy focused on organic growth and international diversification. The bank said performance was driven by growth in lending, deposits, and assets under management, alongside contributions from operations outside Greece.

Remarkable 2025 Performance

CEO Fokion Karavias said earnings per share reached €0.37, with roughly half generated by non-Greek operations. The bank reported a tangible return on book value (RoTBV) of 16.0%, exceeding earlier guidance. Management highlighted continued balance-sheet expansion and stable profitability across key business segments.

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Robust Financial Indicators And Shareholder Rewards

Eurobank plans to distribute 55% of annual profits to shareholders through a combination of cash dividends and share buybacks. The payout includes a cash dividend of €0.118 per share and a €288 million buyback program, bringing total shareholder distributions to approximately €717 million. Tangible book value per share rose to €2.49 at the end of 2025, up 7.8% year over year.

Diversification And Geographic Expansion

Eurobank’s impressive performance spans across regions with substantial contributions from its operations: 52.5% of group profitability stems from its south-eastern Europe operations, while key markets such as Cyprus and Bulgaria saw adjusted net profits rise by 1.4% and 8% respectively. Strategic acquisitions, including the integration of Eurolife and consolidation moves in Cyprus, have broadened the bank’s franchise and diversified its revenue streams across banking, insurance, and asset management.

Strong Capital And Prudential Management

The bank reported a total capital adequacy ratio of 20.0% and a CET1 ratio of 15.6% at year-end. The non-performing exposure ratio declined to 2.6%, reflecting ongoing improvements in asset quality. Management said capital strength provides flexibility as interest margins adjust to the broader European Central Bank rate environment.

Strategic Vision: 2026–2028 Roadmap

Looking ahead, Eurobank is gearing up for steady growth in a relatively stable interest rate landscape. The bank targets elevating its RoTBV to approximately 17% by 2028, underpinned by an estimated annual EPS growth of 10%. Key drivers include a projected annual credit expansion of around 8%, further scaling of wealth management operations, and synergies arising from its dominant market position in Cyprus, as well as the prospects linked to euro adoption in Bulgaria.

Community Investment And Social Impact

Strong financial performance has enabled Eurobank to expand its community initiatives. The bank has strengthened demographic support programs, continued backing Greece’s startup incubator EGG, and invested in public school renovation projects in Greece. Similar initiatives are also underway in Bulgaria and Cyprus. These actions reflect the bank’s broader focus on social investment alongside business growth.

Eurobank said it will continue to balance financial performance with long-term investment priorities as it moves forward with its strategic expansion plans.

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Ultrahuman Unveils Ring Pro As Smart Ring Competition Intensifies In The U.S.

by THEFUTURE.TEAM

February 27, 2026

Ultrahuman, the Bengaluru-based leader in wearable technology, has unveiled its third-generation smart ring, the Ring Pro, marking a significant step in the company’s efforts to reestablish its U.S. presence. With an extended battery life of up to 15 days and a completely redesigned form factor, the Ring Pro arrives as a strategic response following last year’s patent dispute with rival Oura.

New Design And Extended Battery Life

Ring Pro introduces a redesigned form factor alongside a dual-core processor and upgraded heart-rate sensing architecture aimed at improving data accuracy. The device is slightly heavier than its predecessor but offers enhanced on-device computing and the ability to store up to 250 days of health data. Priced at $479, the ring delivers up to 15 days of battery life, a notable increase compared to the four to six days offered by the Ring Air.

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Overcoming Regulatory And Patent Hurdles

Ultrahuman’s U.S. operations faced disruption in October 2025 after the U.S. International Trade Commission ruled in favor of Oura in a patent dispute, restricting imports of new inventory. Existing stock remained available, but the decision pushed the company to redesign the product and reassess its U.S. strategy. The market remains critical for Ultrahuman, with American users accounting for roughly 45% of its 700,000 daily active users.

Introducing Jade: Real-Time Biointelligence

Alongside Ring Pro, Ultrahuman launched Jade, a real-time biointelligence system designed to provide actionable health insights instead of retrospective data summaries. According to co-founder and CEO Mohit Kumar, the system focuses on continuous analysis and real-time recommendations. Jade is available across the company’s ecosystem, including older ring models, reinforcing Ultrahuman’s AI-driven approach to wearable health monitoring.

Robust Financials And Expanding Market Influence

Despite legal and operational challenges, Ultrahuman continues to show strong financial performance. The company reports an annualized revenue run rate of approximately $150 million and operating revenue of $64 million for the fiscal year ending March 2025. Subscription services and additional offerings, including coaching programs and continuous glucose monitoring, continue to diversify revenue streams and support profitability.

Expanding Production And Global Reach

Ultrahuman is expanding production capacity as demand grows across international markets, including the UK, Canada, Australia, and India. Industry analysts note that the future of smart rings will depend on sensor precision, AI integration, and ecosystem connectivity — areas where Ultrahuman is actively investing.

With the launch of Ring Pro and the introduction of Jade, the company is aiming to strengthen its position in the fast-growing wearable technology sector while rebuilding momentum in key global markets.