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European Business Registrations Climb 4% In Q3 2025 Amid Mixed Bankruptcy Trends

European business registrations surged by 4.0 percent during the third quarter of 2025 compared with the previous quarter, according to Eurostat. This uptick, witnessed across all economic sectors, signals a robust period of growth in the region.

Sector-Specific Performance

The information and communication sector led the charge with a 6.0 percent increase in registrations. The construction and transport sectors also experienced notable gains, recording increases of 5.9 percent and 5.5 percent, respectively, reflecting a broad-based expansion fueled by renewed investment and market confidence.

Mixed Trends In Bankruptcy Declarations

Despite impressive registration figures, bankruptcy declarations rose by 4.4 percent over the same period. A closer review indicates that while five sectors reported increasing bankruptcy numbers, three sectors actually saw a decline. In particular, the accommodation and food services sector experienced a sharp rise of 20.7 percent, with transport and financial services following at 18.7 percent and 14.1 percent, respectively.

Resilience In Key Industries

Certain sectors demonstrated greater stability amidst broader economic challenges. Notably, the information and communication sector recorded a 4.8 percent decline in bankruptcies, while construction and industry experienced decreases of 3.1 percent and 0.1 percent, respectively. These contrasting trends underscore the evolving economic landscape across the EU.

For more detailed insights, visit Eurostat’s official website to explore the comprehensive analysis on current economic shifts.

Eurobank Plans €1 Billion Investment In AI And Digital Banking By 2028

Eurobank plans to invest about €1 billion in technology from 2025 through 2028, its largest technology investment program to date. The Banking Forward strategy focuses on digital banking, artificial intelligence, customer experience and a “phygital” model combining digital services with face-to-face support.

Digital Banking Dominates Customer Activity

Digital channels already account for 96% of Eurobank transactions, with 61% completed through the Eurobank Mobile App. Among customers aged 35 and under, digital adoption reaches 94%.

Customers make about 574 million annual logins across e/m-banking and more than 1 million digital transactions each day. During the first half of 2026, one in three banking products was acquired digitally.

AI Moves Into Everyday Banking

Eurobank is expanding the use of AI through tools including EVA, its digital customer assistant, and myEVA, an AI-powered voice assistant for employees. The technology is also being applied to mortgage assessments, customer feedback analysis and contractual documents.

The bank’s technology architecture is built around five areas: digital channels, customer experience orchestration, data and AI, core banking, and infrastructure and cloud. About 50% of its applications and digital channels are already cloud-based.

Investment Extends Beyond Technology

The program is intended to reshape how Eurobank operates, combining automation and AI with employee development and human support. The bank says the approach is designed to improve services while maintaining access to face-to-face banking when customers need it.

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