Category: 3. Business

6 January 2026

Bank interest rates for corporations

Data for cost of borrowing and deposit interest rates for corporations (Chart 1)

The composite cost-of-borrowing indicator, which combines interest rates on all loans to corporations, remained broadly unchanged in November 2025. The interest rate on new loans of over €1 million with a floating rate and an initial rate fixation period of up to three months decreased by 4 basis points to 3.15%. The rate on new loans of the same size with an initial rate fixation period of over three months and up to one year rose by 7 basis points to 3.33%. The interest rate on new loans of over €1 million with an initial rate fixation period of over ten years increased by 7 basis points to 3.49%. In the case of new loans of up to €250,000 with a floating rate and an initial rate fixation period of up to three months, the average rate charged rose by 8 basis points to 3.67%.
As regards new deposit agreements, the interest rate on deposits from corporations with an agreed maturity of up to one year stayed almost constant at 1.91% in November 2025. The interest rate on overnight deposits from corporations stayed almost constant at 0.52%.
The interest rate on new loans to sole proprietors and unincorporated partnerships with a floating rate and an initial rate fixation period of up to one year remained broadly unchanged at 4.00%.

Data for bank interest rates for corporations (Table 1)

Bank interest rates for households

Data for cost of borrowing and deposit interest rate for households (Chart 2)

The composite cost-of-borrowing indicator, which combines interest rates on all loans to households for house purchase, remained broadly unchanged in November 2025. The interest rate on loans for house purchase with a floating rate and an initial rate fixation period of up to one year remained broadly unchanged at 3.54%. The rate on housing loans with an initial rate fixation period of over one and up to five years stayed almost constant at 3.35%. The interest rate on loans for house purchase with an initial rate fixation period of over five and up to ten years showed no change at 3.48%. The rate on housing loans with an initial rate fixation period of over ten years stayed almost constant at 3.15%. In the same period the interest rate on new loans to households for consumption showed no change at 7.33%.
As regards new deposits from households, the interest rate on deposits with an agreed maturity of up to one year remained broadly unchanged at 1.75%. The rate on deposits redeemable at three months’ notice stayed constant at 1.21%. The interest rate on overnight deposits from households showed no change at 0.25%.

Data for bank interest rates for households (Table 2)

Further information

The data in Tables 1 and 2 can be visualised for individual euro area countries on the bank interest rate statistics dashboard. Additionally, tables containing further breakdowns of bank interest rate statistics, including the composite cost-of-borrowing indicators for all euro area countries, are available from the ECB Data Portal. The full set of bank interest rate statistics for both the euro area and individual countries can be downloaded from ECB Data Portal. More information, including the release calendar, is available under “Bank interest rates” in the statistics section of the ECB’s website.

For media queries, please contact Benoit Deeg, tel.: +49 69 1344 95686

Notes:

• In this press release “corporations” refers to non-financial corporations (sector S.11 in the European System of Accounts 2010, or ESA 2010), “households” refers to households and non-profit institutions serving households (ESA 2010 sectors S.14 and S.15) and “banks” refers to monetary financial institutions except central banks and money market funds (ESA 2010 sector S.122).
• The composite cost-of-borrowing indicators are described in the article entitled “Assessing the retail bank interest rate pass-through in the euro area at times of financial fragmentation” in the August 2013 issue of the ECB’s Monthly Bulletin (see Box 1). For these indicators, a weighting scheme based on the 24-month moving averages of new business volumes has been applied, in order to filter out excessive monthly volatility. For this reason the developments in the composite cost-of-borrowing indicators in both tables cannot be explained by the month-on-month changes in the displayed subcomponents. Furthermore, the table on bank interest rates for corporations presents a subset of the series used in the calculation of the cost-of-borrowing indicator.
• Interest rates on new business are weighted by the size of the individual agreements. This is done both by the reporting agents and when the national and euro area averages are computed. Thus changes in average euro area interest rates for new business reflect, in addition to changes in interest rates, changes in the weights of individual countries’ new business for the instrument categories concerned. The “interest rate effect” and the “weight effect” presented in this press release are derived from the Bennet index, which allows month-on-month developments in euro area aggregate rates resulting from changes in individual country rates (the “interest rate effect”) to be disentangled from those caused by changes in the weights of individual countries’ contributions (the “weight effect”). Owing to rounding, the combined “interest rate effect” and the “weight effect” may not add up to the month-on-month developments in euro area aggregate rates.
• In addition to monthly euro area bank interest rate statistics for November 2025, this press release incorporates revisions to data for previous periods. Hyperlinks in the main body of the press release lead to data that may change with subsequent releases as a result of revisions. Unless otherwise indicated, these euro area statistics cover the EU Member States that had adopted the euro at the time to which the data relate.
• As of reference period December 2014, the sector classification applied to bank interest rates statistics is based on the European System of Accounts 2010 (ESA 2010). In accordance with the ESA 2010 classification and as opposed to ESA 95, the non-financial corporations sector (S.11) now excludes holding companies not engaged in management and similar captive financial institutions.

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Premier Inn gears up for second Chichester location

6 Jan 2026 Property

Whitbread PLC, the parent company of Premier Inn, the UK’s largest hotel company, has announced plans to build a new 82-bedroom Premier Inn in Chichester satisfying the company’s long-term goal to secure a second hotel in the cathedral city.

The site on Bognor Road, which was acquired from Hanbury Properties, is located adjacent to the main A27 / A259 junction, offering a highly accessible location for business and leisure travellers looking to spend time in the historic city.

This new location complements the existing Premier Inn at Gate Leisure Park to the south west of Chichester city centre and brings the total number of Premier Inn bedrooms in the Chichester catchment to 165, completing Whitbread’s network plan for the city.

Whitbread Acquisitions Manager Louise Woodruff said:

“From Roman ruins to the racing circuit at Goodwood, Chichester’s diverse cultural offer and successful business economy is fuelling year-round demand for high-quality, affordable hotel bedrooms from our customers.

“This consistent demand has underpinned our search for a suitable second Premier Inn location in Chichester which we are pleased to have acquired from Hanbury Properties, who have provided us with a fully serviced site, ready for development in the Spring. 

“Purchasing the site freehold shows how flexible we can be to bring high-quality locations like this one into our pipeline, and our in-house development team is itching to get started and begin constructing our newest hotel in southern England later this year.”

James Belbin, Director of Hanbury Properties, said:

“We’re delighted to complete the sale of this site to Premier Inn and look forward to seeing their plans come to life.  It’s an excellent location for a new hotel and will help to underpin the next phase of development at Cathedral Business Park.

“The site was a former WWII fuel depot that required significant investment, including full remediation, a new slip lane and traffic light junction off the A259, bus stop, a 220m estate road, and services under the A27 to facilitate development – so it’s not been the most straightforward site to deliver.   

“This sale represents the culmination of all that hard work.  It’s been a pleasure working with all the acquisition team at Premier Inn to bring this site forward, and it’s great to know that this hotel will create valuable jobs and help contribute positively to the local community in the years to come.” 

The Bognor Road acquisition is Whitbread’s latest commitment to investing across Sussex and the south coast of England where it sees a strong opportunity to grow Premier Inn. 

Later this year the business is set to expand its network of trading hotels in West and East Sussex to 23 locations following the opening of its newest Premier Inn on Bognor Regis Seafront in April.

The construction of the first Premier Inn in Littlehampton Town Centre is also due to commence in February following the completion of the demolition of the former supermarket occupying the site. Whitbread is also seeking a new location for Premier Inn in Rye.

The acquisition of the Chichester location forms part of Whitbread’s ongoing expansion of Premier Inn across the UK and Ireland. Currently the business offers its customers close to 86,000 bedrooms from more than 840 hotels and it sees the long-term potential to expand to 125,000 rooms in these two core markets.

In this study, we established a methodology for single-molecule genome RNA sequencing within cultured influenza virus populations and demonstrated the potential for experimental mutation prediction through sequence distribution analysis. To validate this approach, the sequencing of UMI-tagged linearized plasmids was conducted. The analysis revealed that focusing solely on sequences with three or more reads that shared the same UMI led to an enhancement in sequence accuracy by more than tenfold. This resulted in an error rate that was on the order of 10⁻⁵ per bp per read. Assuming that PCR and sequencing introduce errors at a rate of approximately 10⁻³, the probability of two or more errors occurring at the same base position among three reads theoretically decreases to the order of 10⁻⁶. The discrepancy between this theoretical value and our measured data is likely attributable to mutation-prone regions, such as homopolymers and amplification bias, where error-containing sequences were preferentially amplified and detected as majorities.

It is widely acknowledged that PacBio sequencers frequently generate errors in homopolymer regions, and our study observed analogous trends. Specifically, when the UMI redundancy threshold was set to 3, error rates in homopolymer regions were found to be higher than those in non-homopolymer regions. However, the integration of UMIs has led to a significant reduction in this error gap, thereby validating the efficacy of UMI technology in addressing erroneous reads. This finding indicates that UMI-based methods have the potential to enhance the accuracy of PacBio, especially for genes and sequences that contain homopolymer regions. The implications of this study extend to other single-molecule sequencing platforms such as nanopore.

A subsequent analysis of RNA from virus populations derived from single virus particles exhibited elevated error rates when compared to in vitro transcribed RNA, a phenomenon that is presumably attributable to mutations introduced during viral replication. The observed mutation distribution comprised both mutations consistent with a neutral, Poisson-like accumulation and mutations that deviated substantially from a Poisson distribution. This pattern indicates the coexistence of neutral and non-neutral mutations within the viral population, forming a quasi-species structure. The deviation from Poisson expectations suggests that certain mutations were subject to selective pressures, likely influencing replication efficiency or protein function under the specific culture conditions. For instance, the mutation detection rate near the HA antigenic site (amino acids 180–200) was 1.62×10⁻⁴, approximately 1.5 times higher than the genome-wide mutation rate, highlighting a potential hotspot under positive selection. This finding corroborates prior reports of higher sequence variability in antigenic regions (Thyagarajan and Bloom, 2014; Wu et al., 2020). On the other hand, the observed mutation rates among genes do not align with the findings from previous phylogenetic research Eisfeld et al., 2014 on ‘highly conserved’ and ‘highly divergent’ genes, suggesting a lack of correlation between the distribution size and the evolvability of each gene. Such discrepancies may reflect differences in observation timing. Traditional phylogenetic analyses capture fixed mutations shaped by long-term selection, while our study detects earlier-stage mutations that have yet to undergo full selective filtering. Thus, the weak correlation with phylogenetic conservation likely arises because many observed mutations are still under selection. A comparison between RNA extracted from viral populations and in vitro transcribed RNA revealed greater protein sequence diversity in the former, as quantified by Shannon entropy. This greater diversity reflects the accumulation of mutations during replication and the latent evolutionary potential of viral populations.

The reference sequences employed for mapping viral genomes in this study were derived from single particles that contributed to the formation of each virus population. Nevertheless, subtle differences were observed among the consensus sequences from four virus populations, suggesting that even within the same PR8 strain, various mutations had accumulated during laboratory passaging, resulting in genetically diverse populations at the outset. This finding suggests that the experimental strain already possessed a mutation pool, and the observed mutation distribution reflects this background diversity. A comprehensive understanding of the effects of long-term passaging on viral population structure and mutation origins is imperative to obtain significant insights.

As this study did not impose specific selective pressures, we did not observe a significant increase of particular mutations previously linked to drug resistance or host adaptation was not observed within the populations. However, resistance mutations such as I38M, which have been demonstrated to confer resistance to the endonuclease inhibitor baloxavir (Jones et al., 2021; Taniguchi et al., 2024), were detected (see Figure 3—source data 1 and 2 for a list of all mutations detected). Conversely, mutations fixed in PR8-related strains were already present in populations derived from single particles. These findings imply that the viral quasi-species may serve as a latent genetic reservoir, from which advantageous variants can be selected in response to environmental pressures. While genetic variation was also detected in HA and NA, we did not impose drug or immune selection pressure in this study. Therefore, we did not expect to observe mutations that are already known to confer major antigenic changes in these proteins, and we consider it difficult to speculate on their functional implications in this context. Nevertheless, the detection of resistance-associated mutations indicates that the quasi-species pool may indeed harbor functionally relevant variation, even in the absence of explicit selective pressures. Thus, the real-time observation of mutation proliferation under diverse culture conditions will yield pivotal insights into the mechanisms underlying existing mutation expansion, thereby facilitating the prediction of novel mutations.

The predominant paradigm in evolutionary biology is the neutral evolution hypothesis, which posits that most evolutionary processes can be explained by random genetic drift. Consequently, elucidating the origins of these evolutionary processes is paramount for making accurate evolutionary predictions. A comprehensive analysis of neutral mutations necessitates the quantification of minor variants. The sUMI method was employed to detect mutations present at 0.1% frequency in populations by sequencing 10,000 molecules. Furthermore, the sequencing error rate was reduced to the order of 10⁻⁵, comparable to reverse transcriptase error rates. This enabled theoretical detection of mutations at a frequency of 0.05% by analyzing over 100,000 molecules with high accuracy. It is anticipated that this approach will yield comprehensive insights into mutation occurrence rates and distributions of mutations in neutral evolution. Furthermore, we have demonstrated the applicability of this method for mutation forecasting by using logistic modeling based on mutation fitness and initial frequencies. Subsequent applications will encompass the comprehensive detection and quantitative estimation of adaptive mutations under diverse environmental conditions, including the presence of drugs and different host species.

In summary, experimental evidence has demonstrated the efficacy of UMI technology in reducing sequencing errors and accurately measuring mutation distributions within viral populations. Furthermore, evidence was presented demonstrating that sequence distributions within individual populations manifest non-random directional biases. With the continued development of methods to quantify mutation bias and latent evolutionary potential, it is anticipated that laboratory-scale prediction of drug-induced mutations and pandemic-capable strains will become a reality. The broad distribution of mutations indicates that viral populations possess diverse mutation pools, where selective pressures enhance robustness through adaptive mutation selection. This mechanism signifies the ability of viruses to adapt to environmental changes with flexibility, thereby providing critical insights for predicting long-term viral evolution and pandemic emergence. A more thorough examination of the roles of mutations in the context of adaptive viral evolution in response to drug treatment is merited.

The George & Dragon is not just a place for a drink and a meal, as it also contains a small volunteer-run village shop selling essentials.

“The whole community aspect of the pub and the shop are vitally important to the village. Which is why when a pub dies or goes out of use people say ‘can we open this ourself’ and they do and it makes such a difference,” Mrs Swettenham said.

There are also community allotments just past the beer garden and a little library within the pub.

The success of the pub has inspired other community projects in the village, which sits at the edge of the Yorkshire Dales National Park.

The Hudswell Community Charity has converted the redundant St Michael’s Church into a walkers’ hostel, and has also been involved in the development of affordable housing in the village.

Mrs Swettenham said they had been fortunate with their previous tenant and had received a lot of interest in the vacancy.

She said they were hopeful they could find someone to continue to develop the pub’s business, its role in the community and maintain its reputation for good beer and food.

“I would say a good pub, which is more than a pub, it’s a meeting place and a place where people can enjoy each other’s company.”

She said the board of HCP was very supportive of its tenants and was committed to keeping the pub open, while keeping its traditional feel.

“People want, especially in the Dales, an old-fashioned, fire-lit, dog-friendly, nice local pub,” she said.

• Exdensur is the first and only ultra-long-acting biologic in Japan for the treatment of severe asthma and chronic rhinosinusitis with nasal polyps (CRSwNP)  
• Approval based on data from the SWIFT and ANCHOR phase III trials showing sustained efficacy in two doses a year versus placebo
• Patients with severe asthma face frequent exacerbations, hospitalisations and disease progression, requiring an urgent need for novel solutions

GSK plc (LSE/NYSE: GSK) today announced the approval of Exdensur (depemokimab) by Japan’s Ministry of Health, Labour and Welfare (MHLW) as a treatment for bronchial asthma (limited to severe or refractory patients whose asthma symptoms cannot be controlled with existing treatments) and CRSwNP (limited to patients inadequately controlled with standard treatment).

The MHLW approval was based on data from the SWIFT and ANCHOR phase III trials, which demonstrated the sustained efficacy of a twice-yearly dose of depemokimab versus placebo, both plus standard of care. In SWIFT-1 and SWIFT-2, treatment with depemokimab resulted in significant reductions in asthma exacerbations. Additionally, ANCHOR-1 and ANCHOR-2 showed significant improvements in nasal polyp size and nasal obstruction, two key measures of disease severity.^1,2

Kaivan Khavandi, SVP and Global Head, Respiratory, Immunology & Inflammation R&D, GSK said: “Building on other recent regulatory milestones, the approval of Exdensur in Japan could set a new standard of care for patients with severe asthma or CRSwNP. By delivering sustained suppression of type 2 inflammation in just two doses a year, physicians can now provide an ultra-long-acting option to help protect against asthma exacerbations and the debilitating symptoms of CRSwNP.”

Patients in Japan living with severe asthma can experience frequent exacerbations and progression of their disease, leading to hospitalisations and increased overall healthcare costs.^3-6 In addition, patients with CRSwNP face debilitating daily symptoms and almost half remain uncontrolled.^3,7 Depemokimab is a novel therapy that has been developed with an extended half-life, enabling the sustained suppression of disease-driving type 2 inflammation with twice-yearly dosing.¹ These distinct properties could potentially improve patient outcomes while reducing health system burden. 

Results from the SWIFT trials showed treatment with depemokimab resulted in a significant 58% and 48% reduction in the rate of annualised asthma exacerbations (asthma attacks) over 52 weeks from SWIFT-1 and SWIFT-2, respectively [rate ratio (95% confidence interval) p-value: SWIFT-1 0.42 (0.30, 0.59) p<0.001 and SWIFT-2 0.52 (0.36, 0.73) p<0.001] (AER depemokimab versus placebo: SWIFT-1 0.46 vs. 1.11 and SWIFT-2 0.56 vs. 1.08 exacerbations per year).¹

In addition, results from the ANCHOR trials showed an improvement (reduction) from baseline in nasal polyp score (scale: 0-8) at 52 weeks [treatment difference (95% confidence interval) p-value: ANCHOR-1 -0.7 (-1.1, -0.3) p<0.001 and ANCHOR-2 -0.6 (-1.0, -0.2) p=0.004] and in nasal obstruction verbal response scale (scale: 0-3) over weeks 49-52 [treatment difference (95% confidence interval) p-value: ANCHOR-1 -0.23 (-0.46, <0.00) p=0.047 and ANCHOR-2 -0.25 (-0.46, -0.03) p=0.025].²

Across these trials, depemokimab was well-tolerated, with patients experiencing a similar rate and severity of side effects as those receiving placebo.^1,2

Approval in Japan marks the third regulatory approval for depemokimab, following marketing authorisation from the US Food and Drug Administration (FDA) and UK’s Medicines and Healthcare products Regulatory Agency (MHRA).^8,9 Depemokimab recently received a positive CHMP opinion in the EU and it is currently under regulatory review in other countries, including in China.¹⁰

About asthma

Asthma affects more than 260 million people globally, many of whom continue to experience symptoms and exacerbations despite treatment.^11,12 Severe asthma is defined as asthma that requires treatment with medium- to high-dose inhaled corticosteroids plus a second therapy (i.e., systemic corticosteroid or biologic) to prevent it from becoming uncontrolled, or which remains uncontrolled despite therapy.¹³ Type 2 inflammation is the underlying cause of pathology in more than 80% of patients with severe asthma, in which patients exhibit elevated levels of eosinophils (a type of white blood cell).¹³

About CRSwNP

CRSwNP is caused by inflammation of the nasal lining that can lead to soft tissue growths, known as nasal polyps.^14,15 People with CRSwNP experience symptoms such as nasal obstruction, loss of smell, facial pain, sleep disturbance, infections and nasal discharge that can significantly affect their emotional and physical well-being.^14,15  Similar to asthma, the majority of cases of CRSwNP (85%) are driven by chronic type 2 inflammation, which is strongly associated with comorbidities, more severe disease, recurring symptoms and tissue remodelling.^14-19

About Exdensur (depemokimab)

Exdensur is the first ultra-long-acting biologic being evaluated for certain respiratory diseases with underlying type 2 inflammation, such as severe asthma. It combines high interleukin-5 (IL-5) binding affinity and high potency with an extended half-life to enable twice-yearly dosing.^1,2 IL-5 is a key cytokine in type 2 inflammation.

Please refer to the updated Product Information (PI) for precautions concerning indications, dosage and administration, and safety information in Japan which will shortly be updated at this link: Japan Pharmaceuticals and Medical Devices Agency.

About the SWIFT phase III trials

Results from the SWIFT trials were presented at the 2024 European Respiratory Society International Conference and published in the New England Journal of Medicine.^1,20

The SWIFT-1 and SWIFT-2 clinical trials assessed the efficacy and safety of depemokimab adjunctive therapy in 382 and 380 participants with severe asthma who were randomised to receive depemokimab or a placebo respectively, in addition to their standard of care (SOC) treatment with medium to high-dose inhaled corticosteroids plus at least one additional controller. The full analysis set in SWIFT-1 included 250 patients in the depemokimab plus SOC arm and 132 in the placebo plus SOC arm; in SWIFT-2, 252 patients were included in the depemokimab plus SOC arm and 128 in the placebo plus SOC arm.¹

About the ANCHOR phase III trials

Results from the ANCHOR trials were presented at the 2025 American Academy of Allergy, Asthma and Immunology (AAAAI) and World Allergy Organization (WAO) Joint Congress and published in The Lancet.^2,21

ANCHOR-1 included 143 patients in the depemokimab plus SOC arm and 128 in the placebo plus SOC arm; in ANCHOR-2, 129 patients were included in the depemokimab plus SOC arm and 128 in the placebo plus SOC arm. All 528 patients had inadequately controlled CRSwNP, including nasal polyps in both nasal cavities (an endoscopic bilateral NPS ≥5), and had either undergone previous surgery for CRSwNP, had received previous treatment with SCS or were intolerant to SCS. Patients received depemokimab or placebo at six-monthly intervals (26 weeks) in addition to SOC (maintenance intranasal corticosteroids).²

About the depemokimab development programme

Depemokimab is currently being evaluated in phase III trials for the treatment of other diseases with underlying type 2 inflammation, including OCEAN for eosinophilic granulomatosis with polyangiitis (EGPA) and DESTINY for hyper eosinophilic syndrome (HES).^22,23 GSK has also initiated the ENDURA-1, ENDURA-2 and VIGILANT phase III trials assessing the efficacy and safety of depemokimab as an add-on therapy in patients with uncontrolled moderate to severe COPD with type 2 inflammation.^24-26

About GSK in respiratory

GSK continues to build on decades of pioneering work to deliver more ambitious treatment goals, develop the next generation standard of care and redefine the future of respiratory medicine for hundreds of millions of people with respiratory diseases. With an industry-leading respiratory portfolio and pipeline of vaccines, targeted biologics and inhaled medicines, GSK is focused on improving outcomes and the lives of people living with all types of asthma and COPD, along with less understood refractory chronic cough or rarer conditions like systemic sclerosis with interstitial lung disease. GSK is harnessing the latest science and technology with the aim of modifying the underlying disease dysfunction and preventing progression. 

About GSK

GSK is a global biopharma company with a purpose to unite science, technology and talent to get ahead of disease together. Find out more at gsk.com.

Cautionary statement regarding forward-looking statements

GSK cautions investors that any forward-looking statements or projections made by GSK, including those made in this announcement, are subject to risks and uncertainties that may cause actual results to differ materially from those projected. Such factors include, but are not limited to, those described in the “Risk Factors” section in GSK’s Annual Report on Form 20-F for 2024, and GSK’s Q3 Results for 2025.

CLCH is the largest community healthcare trust in England, providing a wide range of services across London and Hertfordshire, including child health visiting and adult services, walk-in centres, sexual health clinics, and diabetes care.

To support the Trust’s journey towards operational and reporting standardisation, Capita will deploy its Element data solution, delivering operational and clinical metrics, robust data quality management, and self-service reporting. This will enable CLCH to streamline processes, unlock deeper insights, and continue providing exceptional care to patients.

Capita’s Business Intelligence and Performance Analytics (BIPA) team will work closely with CLCH, providing end-to-end analytics services from data ingestion to report development and process optimisation. The partnership will also explore opportunities to scale innovative performance management and data quality solutions across the wider healthcare sector.

Fran Zimber, Client Partner at Capita, said: “By helping the Trust unlock deeper insights, streamline processes, and strengthen data quality, we’re enabling teams to make faster, smarter decisions that improve patient experiences and outcomes. It’s a privilege to contribute to such vital work in community healthcare.”

Andrew Chronias, Chief Information Officer at CLCH, added: “CLCH is pleased to continue our data and Business Intelligence (BI) relationship with Capita and take advantage of the expertise within the team. We look forward to exploring the opportunities that lie ahead.”

This new agreement builds on a successful partnership that began in 2015, when Capita started delivering core support services to CLCH, including ICT, HR, estates and facilities management, and financial services.

Today, Capita’s BIPA team continues to provide essential reporting for commissioners, regulatory bodies, and operational teams, helping CLCH deliver high-quality care to communities.

The Everest Group PEAK Matrix® assesses the market impact, vision and capability of service providers. This year, the report highlights Capita’s AI solutions and its, technology ecosystem, as well as the company’s ability to deliver high-quality service and respond with agility to client demands, as its key strength areas.

David Rickard, Partner, Everest Group, said: “Capita’s strong expertise in regulated sectors such as government, BFSI, telecom, and energy and utilities is being reshaped by its bold investments in AI-powered CX capabilities. Through its AI Catalyst Lab and AgentSuite, its gen AI- powered proprietary solutions suite driving agent productivity, quality assurance, and customer insights, Capita is evolving its service portfolio to meet the rising demand for AI-powered customer engagement. These advancements, combined with its strong presence in the UK&I and Germany, underpin Capita’s recognition as a Major Contender in Everest Group’s Customer Experience Management (CXM) Services PEAK Matrix® Assessment 2025 – EMEA.”

Corinne Ripoche, CEO of Capita Experience, said: “We’re proud to be recognised by Everest Group. It’s a brilliant reflection of the energy, creativity and commitment our teams bring every day.

“We’re not just imagining the future of customer experience, we’re building it, together with our clients, for their customers.”

Sparking success in the utilities sector

A leading energy retailer has extended its partnership with Capita until the end of 2027 in a multimillion-euro deal. Since 2018, Capita has helped reduce debt by 10% annually through specialist collection services, with teams in Ireland and Poland combining local expertise with operational scale to deliver advanced technology, greater efficiencies and outstanding service.

Driving engagement behind the news

One of the UK and Ireland’s largest commercial news groups, has confirmed a two-year extension with Capita from 2026. This marks the next phase of a partnership spanning two decades, with Capita managing customer service, order processing, supply chain operations and outbound sales for thousands of newspaper agents across the Republic of Ireland. This renewal reflects confidence in Capita’s ability to run seamless operations and effectively engage audiences.

Fast-tracking fair outcomes

A key public sector organisation responsible for resolving claims has signed a one-year extension from the second quarter of 2026. For more than 20 years, Capita has delivered fair and efficient outcomes, introducing digital enhancements such as automated Voice of Customer surveys, SMS reminders powered by Amazon Web Services, and improved role-based access controls. These innovations help claimants and insurers achieve faster resolutions.

Connecting confidence in telecoms

A major telecoms brand has renewed its partnership with Capita until 2027, with teams in Ireland and Poland providing diligent debt collection and accounts receivables management to ensure accurate reconciliation and strong financial performance. This renewal reinforces Capita’s role as a trusted partner in safeguarding operational integrity.

Capita Ireland delivers customer experience solutions supporting utilities, telecoms, retail, and public sector clients with AI-enabled, people-powered solutions. It employs a substantial workforce of over 840 colleagues in its sites in Clonakilty and Little Island, both in Co Cork, and continues to grow through strategic partnerships and technology innovation.

Corinne Ripoche, CEO of Capita’s Experience Division, said: “These renewals are more than contracts; they represent trust, progress and shared ambition. We are further reinforcing our capability in Ireland and underlining our strategy to be a better business. Each renewal reflects our values: putting customers first, embracing fearless innovation and achieving together.

“Crucially, these wins span complex customer support across claims, collections, account receivables, and supply chain management. In a world where AI handles the simple tasks, we are able to focus on our people delivering expertise where it matters most.”