Category: 3. Business

  • Japanese 10-year bond yields rise to highest level since 2007

    Japanese 10-year bond yields rise to highest level since 2007

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    Yields on Japan’s benchmark government bonds rose to their highest level since 2007 as investors fretted over Prime Minister Sanae Takaichi’s spending plans and braced themselves for an interest rate increase.

    The 10-year yield on Thursday climbed 0.02 percentage points to 1.91 per cent in early trading, approaching levels at which analysts said domestic banks could begin fundamentally adjusting their bond-buying strategies. Yields move inversely to prices.

    The rise takes 10-year yields to levels last seen before the collapse of Lehman Brothers sparked a global financial crisis and ushered in an era of lower interest rates worldwide.

    Thursday’s move echoed broader jitters in global bond markets, which have been jolted by renewed speculation that the Bank of Japan is preparing to raise interest rates at its meeting on December 18-19.

    Yields on 30-year JGBs rose to a record high of 3.44 per cent in early trading on Thursday.

    Minoru Kihara, the government’s top spokesperson, said on Thursday that the administration was “closely watching” market moves in long-term interest rates.

    “It is important to comprehensively understand the impact of rising interest rate effects on the economy,” he said.

    Yields on two-year bonds, which are most sensitive to interest rate expectations, rose to a 17-year high of 1.01 per cent on Wednesday and held there on Thursday.

    Weighing on sentiment is an impending auction of about ¥700bn ($4.5bn) in 30-year JGBs on Thursday. Traders said they expected the bonds to attract lacklustre demand, with Japanese life insurers and pension funds appearing reluctant to buy.

    Investors have been concerned about Takaichi’s $135bn spending plan, Japan’s largest stimulus package since the Covid-19 pandemic.

    Shoki Omori, chief desk strategist at Mizuho, said JGB markets were steadily absorbing the risk of Takaichi’s fiscal spending and were reflecting doubts about a proposed government efficiency drive.

    He added that, while past JGB moves had limited impact on global bond markets, this time around “the JGB sell-off will have an effect on global rates”.

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  • New Zealand assembles for opening of its first Ikea store | New Zealand

    New Zealand assembles for opening of its first Ikea store | New Zealand

    “I’ve been waiting 25 years for this,” says Annie Sattler.

    A quarter of a century after she emigrated from Germany, and seven years since the store was first announced, Sattler was prepared to wait just a few hours extra to be among the earliest through the doors of Ikea’s first outlet in New Zealand.

    She was joined by hundreds of shoppers queueing on Thursday morning to mark the end of the national waiting game. Ikea was founded more than 80 years ago – and now has more than 400 stores worldwide – but the Swedish furniture giant had until now been absent from these shores, making New Zealand one of the last developed nations to get a store.

    Annie Sattler (R) and Renee Dale (L) wait in queues as Ikea opens in Auckland New Zealand. Photograph: Fiona Goodall/The Guardian

    Sattler, who grew up with family trips to Ikea to furnish her childhood bedroom, says the opening event reminds her of home. “It was such a treat. I loved it – the staff, the furniture, the whole story of it.”

    The store was announced in 2018, with foreign minister Winston Peters at the time taking credit for the move, saying he was sure his decision to open an embassy in Stockholm had played a part. By Thursday, excitement had reached fever pitch, with one local media outlet running a live blog and signs appearing along major roads warning motorists to “plan their journey” accordingly.

    Shoppers wait in queues as Ikea opens in Auckland. Photograph: Fiona Goodall/The Guardian

    By 9am, solid lines had formed at the two main entrances, although one queue member, there for the spectacle more than the shopping, described it as “a bit of a fizzer”.

    However, others said they would have camped overnight if it hadn’t been banned in advance, and Ulla Bennet – wearing a Denmark football jersey under her Swedish flag throw – was at the front, having established a “pre-line” outside the property boundary at 4am. “We thought it would be like it is now at 6am, but people didn’t really start arriving until six or seven,” she says.

    In the end, the long-promised traffic jams failed to materialise, but a steady stream of shoppers continued to arrive as the 11am opening neared.

    Ulla Bennett awaits the opening of Ikea. Photograph: Fiona Goodall/The Guardian

    As local media assembled, beaming their reports live into morning TV, the awaiting customers spoke of their excitement to try Ikea’s iconic meatballs, with one group chanting “meatballs, meatballs” at a nearby reporter.

    ‘New Zealand is always the last to get anything’

    Bennet sees the opening as a sign of global recognition. “New Zealand is always the last on the list to get anything. Every other country gets things but [companies] think ‘Oh, they’re little and way down there’. But they’re here! I’m rapt!”

    New Zealand prime minister Christopher Luxon cuts the ribbon as Ikea opens its doors. Photograph: Fiona Goodall/The Guardian

    The opening is a significant event for a country grappling with a sharp cost of living crisis. Ikea’s global pitch of affordability lands amid a squeeze on household budgets, with year-on-year Black Friday spending having fallen by 4-6%.

    Keen to amplify any whiff of economic optimism, New Zealand prime minister Christopher Luxon arrived to cut the ribbon. As the doors opened, Luxon, who was meant to be the first customer, lost the honour to a faster shopper.

    Motorway signs alert drivers. Photograph: Fiona Goodall/The Guardian

    The crowds were greeted by staff in bright yellow T-shirts who alternated between genuinely enthusiastic cheering and well-practised chants of “Hej! Hej! Hej!”.

    The sight of shoppers piling trolleys high with cushions, lamps, and storage solutions suggests that for many, the novelty and promise of value outweighed the wider economic gloom, at least for today.

    The company has signalled competitive pricing, with its Billy bookcase advertised at NZ$99 (£43), undercutting most local competitors.

    The first customers walk through the door. Photograph: Fiona Goodall/The Guardian

    After the initial rush, Luxon denied the opening was a slap in the face for local small business owners, many of whom are struggling in a stalled economy. He told journalists it was “great for competition and great for consumers” and he was confident local businesses would “stand up and compete”.

    The launch’s scale is a statement of intent, with a full online shopping network and 29 collection points from Kaitaia in the North Island to Invercargill down south. But for a nation accustomed to waiting, the era of Swedish self-assembly has, finally, begun.

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  • Hyatt Newsroom – News Releases

    Hyatt Announces the Debut of Integrated Hospitality Destination in Lingang with Three New Hotels

    New Hyatt Regency and Hyatt Place Hotels Offer Tailored Experiences for Business, Leisure and Extended Visits

    CHICAGO, [December 3, 2025] – Hyatt Hotels Corporation (NYSE: H) today announced the grand opening of three new properties in Shanghai’s rapidly developing Lingang area. The new hotels—Hyatt Regency Shanghai Lingang, Hyatt Place Shanghai Lingang Xinchen International Conference Center, and Hyatt Place Shanghai Lingang, form an integrated hospitality destination in the heart of the Lingang business district, establishing a new landmark for both business and leisure travelers.

    Strategically positioned in the district’s core, the hotels offer convenient access to Shanghai’s most popular attractions. Guests can reach the Shanghai Astronomy Museum, Dishui Lake, Haichang Ocean Park, and L+SNOW Indoor Skiing Theme Resort within walking distance. With direct access to Metro Line 16’s Dishui Lake Station, the hotels provide seamless connectivity to downtown Shanghai and beyond.

    “We are thrilled to introduce this unique hotel collective that represents a new era of hospitality in Lingang,” said Ms. Spring Li, Complex General Manager overseeing the three properties. “Each hotel has been carefully designed to serve distinct guest needs while complementing one another, creating a destination for every purpose. Whether travelling for business, leisure, or an extended stay, our art-inspired accommodations, diverse dining venues and premium event facilities are thoughtfully designed to deliver comfort, inspiration, and memorable experiences—all set against the stunning backdrop of Dishui Lake.”

    Hotel Design with Local Character

    The hotels share a design philosophy of “artistic exploration” with each property featuring curated collections of sculptures, paintings, and installations that reflect the region’s maritime heritage and coastal culture. From the refined gallery-like spaces at Hyatt Regency Shanghai Lingang to the contemporary artistic touches at Hyatt Place Shanghai Lingang and Hyatt Place Shanghai Lingang Xinchen International Convention Center, guests can enjoy a unified artistic journey throughout their stay.

    Distinct Experiences Within One Destination

    Hyatt Regency Shanghai Lingang serves as the flagship property, offering 305 art-inspired guestrooms with sweeping lake views. Select rooms feature exclusive views of weekend and holiday fireworks displays, while specially designed themed family rooms provide an engaging and comfortable environment for guests of all ages. The hotel features six dining venues, pet-friendly accommodations, and 52,743 square feet (4,900 square meters) of event space. Wellness facilities include a 24-hour fitness center, while families can enjoy a dedicated two-story kids’ club designed to spark creativity and fun for younger guests.

    Hyatt Place Shanghai Lingang Xinchen International Convention Center, connected to the Hyatt Regency Shanghai Lingang via an indoor sky bridge, offers 364 modern rooms alongside versatile event spaces tailored for business travelers and event attendees. The hotel also features guestrooms designed for families, offering a welcoming atmosphere for families traveling together. Business travelers can also enjoy the hotel’s innovative multi-level events space and efficient layout designed to support productive stays and seamless meetings.

    Hyatt Place Shanghai Lingang completes the collection with 128 rooms featuring kitchenettes, refrigerators, and washer-dryers, offering home-like comforts for families and extended-stay guests.

    World of Hyatt Gives Members a Reason to Stay Somewhere New

    To provide World of Hyatt members even more ways to be rewarded, is offering members the opportunity to earn extra 500 Bonus Points for qualifying nights at all there hotels: Hyatt Regency Shanghai Lingang, Hyatt Place Shanghai Lingang, and Hyatt Place Shanghai Lingang Xinchen International Conference Center, for stays from now to February 28, 2026, part of World of Hyatt’s new hotel member offer. Additional participating hotels and their offer stay periods can be found at worldofhyatt.com/newhotelbonus. No registration is required and members can earn on top of other offers.

     

    About Hyatt Regency

    The Hyatt Regency brand is a global collection of hotels and resorts found in more than 235 locations in over 50 countries around the world. The depth and breadth of this diverse portfolio, from expansive resorts to urban city centers, is a testament to the brand’s evolutionary spirit. For more than 50 years, the Hyatt Regency brand has championed fresh perspectives and enriching experiences, while its forward-thinking philosophy provides guests with inviting spaces that bring people together and foster a spirit of community.  As a hospitality original, Hyatt Regency hotels and resorts are founded on openness—our colleagues consistently serve with open minds and open hearts to deliver unforgettable celebrations, effortless relaxation and notable culinary experiences alongside expert meetings and technology-enabled collaboration. The brand prides itself on an everlasting reputation for insightful care—one that welcomes all people across all countries and cultures, generation after generation. For more information, please visit hyattregency.com. Follow @HyattRegency on Facebook, X and Instagram, and tag photos with #HyattRegency.

     

    About Hyatt Place  

    Hyatt Place hotels combine style, innovation and 24/7 conveniences to create an easy to navigate experience for today’s multi-tasking traveler. Guests can enjoy thoughtfully designed guestrooms featuring distinct zones for sleep, work and play, and free flowing social spaces that offer seamless transitions from work to relaxation. With more than 440 locations globally, Hyatt Place hotels feature convenient dining options, a 24/7 fitness center, and a hot breakfast served every morning. For more information, please visit hyattplace.com. Join the conversation on Facebook and Instagram, and tag photos with #HyattPlace. 

     

    About Hyatt Hotels Corporation

    Hyatt Hotels Corporation, headquartered in Chicago, is a leading global hospitality company guided by its purpose – to care for people so they can be their best. As of September 30, 2025, the Company’s portfolio included more than 1,450 hotels and all-inclusive properties in 82 countries across six continents. The Company’s offering includes brands in the Luxury Portfolio, including Park Hyatt®, Alila®, Miraval®, Impression by Secrets, and The Unbound Collection by Hyatt®; the Lifestyle Portfolio, including Andaz®, Thompson Hotels®, The Standard®, Dream® Hotels, The StandardX, Breathless Resorts & Spas®, JdV by Hyatt®, Bunkhouse® Hotels, and Me and All Hotels; the Inclusive Collection, including Zoëtry® Wellness & Spa Resorts, Hyatt Ziva®, Hyatt Zilara®, Secrets® Resorts & Spas, Dreams® Resorts & Spas, Hyatt Vivid® Hotels & Resorts, Sunscape® Resorts & Spas, Alua Hotels & Resorts®, and Bahia Principe Hotels & Resorts; the Classics Portfolio, including Grand Hyatt®, Hyatt Regency®, Destination by Hyatt®, Hyatt Centric®, Hyatt Vacation Club®, and Hyatt®; and the Essentials Portfolio, including Caption by Hyatt®, Unscripted by Hyatt, Hyatt Place®, Hyatt House®, Hyatt Studios®, Hyatt Select, and UrCove. Subsidiaries of the Company operate the World of Hyatt® loyalty program, ALG Vacations®, Mr & Mrs Smith, Unlimited Vacation Club®, Amstar® DMC destination management services, and Trisept Solutions® technology services. For more information, please visit www.hyatt.com.

     

    Gloria Kennett

    Hyatt

    gloria.kennett@hyatt.com

     

    Jean Miu

    Hyatt – ASPAC

    jean.miu@hyatt.com


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  • Does the Recent Bank of America Rally Still Leave Room for Further Gains in 2025?

    Does the Recent Bank of America Rally Still Leave Room for Further Gains in 2025?

    • Wondering if Bank of America is still worth buying after its big run over the years, or if most of the upside is already priced in? In this article we unpack what the market is signaling about its true value.

    • The stock has climbed 2.1% over the last week, 1.0% over the past month, and is up 22.1% year to date, adding to a longer term gain of 110.8% over five years. This puts recent moves into a much bigger context.

    • Recent headlines have focused on large US banks navigating higher for longer interest rate expectations and evolving regulatory proposals. Both of these factors directly influence how investors think about profitability and risk. At the same time, ongoing discussion around credit quality and consumer health has kept sentiment toward major lenders like Bank of America shifting more quickly than usual.

    • Right now, Bank of America scores just 2/6 on our valuation checks, which suggests that while parts of the stock look cheap, others may be closer to fair value. In the sections that follow we walk through different valuation approaches to see what they indicate, then finish with a more holistic way to think about what Bank of America might really be worth.

    Bank of America scores just 2/6 on our valuation checks. See what other red flags we found in the full valuation breakdown.

    The Excess Returns model looks at how much profit a company can generate above the return that shareholders require, and then capitalizes those surplus returns into an intrinsic value per share.

    For Bank of America, the starting point is its Book Value of $37.95 per share and a Stable EPS of $4.57 per share, based on weighted future return on equity estimates from 11 analysts. Against a Cost of Equity of $3.68 per share, this implies an Excess Return of $0.89 per share, meaning the bank is expected to earn more than the minimum return investors demand. The Average Return on Equity of 11.16% supports this, and analysts also see Stable Book Value growing to about $40.94 per share over time, based on forecasts from 14 analysts.

    Combining these assumptions, the Excess Returns valuation points to an intrinsic value of about $56.52 per share, which suggests Bank of America is roughly 4.3% undervalued relative to its current price, effectively close to fair value.

    Result: ABOUT RIGHT

    Bank of America is fairly valued according to our Excess Returns, but this can change at a moment’s notice. Track the value in your watchlist or portfolio and be alerted on when to act.

    BAC Discounted Cash Flow as at Dec 2025

    Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Bank of America.

    For a mature, consistently profitable bank like Bank of America, the price to earnings ratio is a practical way to judge value because it directly links what investors pay to the profits the business is generating today. In general, companies with stronger, more reliable growth and lower perceived risk tend to justify a higher PE multiple, while slower growth or higher risk usually warrants a discount.

    Bank of America currently trades on a PE of 13.98x, slightly above the broader Banks industry average of 11.48x and roughly in line with the peer group at 13.72x. Simply Wall St also calculates a Fair Ratio of 16.31x, which represents the PE multiple the stock might reasonably command given its earnings growth profile, profitability, industry, size and risk factors. This tailored Fair Ratio is more informative than a simple peer or industry comparison because it adjusts for the specific strengths and vulnerabilities of Bank of America rather than assuming all banks deserve the same multiple.

    Comparing the current PE of 13.98x to the Fair Ratio of 16.31x suggests the market is still pricing the stock at a modest discount to its fundamentals.

    Result: UNDERVALUED

    NYSE:BAC PE Ratio as at Dec 2025
    NYSE:BAC PE Ratio as at Dec 2025

    PE ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1441 companies where insiders are betting big on explosive growth.

    Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives, a smarter, more dynamic way to invest that connects the story you believe about Bank of America to hard numbers like future revenue, earnings, margins and ultimately a Fair Value estimate you can compare with today’s share price to inform your decision to buy, hold or sell.

    On Simply Wall St, Narratives live in the Community page and are used by millions of investors as an accessible tool to turn their views about catalysts, risks and the macro environment into a forward-looking forecast. This then flows into a valuation that automatically updates when new information such as earnings, news or regulatory changes arrives.

    For example, one Bank of America Narrative may assume relatively cautious growth, regulatory headwinds and a Fair Value around $43.34 per share. Another more optimistic Narrative might expect stronger digital adoption, resilient margins and a Fair Value closer to $58.90. This illustrates how two investors can look at the same bank, plug in different but reasonable assumptions, and arrive at different yet transparent conclusions about what the stock is worth today.

    For Bank of America, however, we will make it really easy for you with previews of two leading Bank of America narratives:

    🐂 Bank of America Bull Case

    Fair value estimate: $58.90 per share

    Implied undervaluation: -6.8%

    Forecast revenue growth: 7.82%

    • Builds on ongoing investment in digital engagement and AI to support mid single digit earnings growth and slightly higher profit margins.

    • Assumes disciplined asset repricing, net interest income growth and steady share buybacks that lift earnings per share while keeping credit quality intact.

    • Arrives at an analyst consensus fair value close to the current price, framing Bank of America as broadly fairly valued with selective upside if execution stays on track.

    🐻 Bank of America Bear Case

    Fair value estimate: $43.34 per share

    Implied overvaluation: 24.8%

    Forecast revenue growth: 10.59%

    • Recognizes Bank of America’s strong franchise, digital progress and resilient net interest income, but sees current valuation as rich versus a more conservative long term outlook.

    • Highlights macro and policy risks, from rate cuts and recession threats to shifting regulation and the signaling impact of Warren Buffett trimming his stake.

    • Models solid but slower earnings growth, moderating buybacks and a lower future PE multiple, which together point to a present value meaningfully below today’s share price.

    Do you think there’s more to the story for Bank of America? Head over to our Community to see what others are saying!

    NYSE:BAC Community Fair Values as at Dec 2025
    NYSE:BAC Community Fair Values as at Dec 2025

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

    Companies discussed in this article include BAC.

    Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com

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  • Japanese Stocks Rally, Bond Sale Sees Solid Demand: Markets Wrap

    Japanese Stocks Rally, Bond Sale Sees Solid Demand: Markets Wrap

    (Bloomberg) — Japanese assets took the spotlight in Asia on Thursday. The nation’s shares led gains in the region after US data boosted odds of a Federal Reserve interest-rate cut next week, while a sale of its 30-year government bonds drew the strongest demand since 2019.

    The Topix and Nikkei 225 rose more than 1.7% each versus a gain of 0.5% for MSCI Inc.’s broader gauge of Asian equities. Indexes in South Korea and Taiwan snapped a two-day advance. US stock futures were steady after the S&P 500 climbed 0.3% overnight, while Bitcoin hovered around $93,000 after a two-day rally.

    Data on Wednesday showed US companies shed payrolls in November by the most since early 2023, reinforcing concerns about a more pronounced labor market weakening. Swaps pricing indicated rising expectations for a December cut Wednesday, with traders assigning more than a 90% chance to a 25-basis-point reduction.

    “Unlike many other markets in Asia, Japan is more sensitive to developments around Fed rate-cut expectations, partly because the Fed may set the pace for the Bank of Japan via the FX channel” said Frederic Neumann, chief Asia economist at HSBC Holdings Plc. “A strengthening conviction over Fed rate cuts, by easing pressure on the yen, could offer more runway for the BOJ to remain accommodative for longer.”

    Japan’s 30-year bonds gained following the auction result, which came after a sale of 10-year notes earlier in the week also drew firm demand. Together, the results have offered some relief to the market that has seen yields surge due to renewed fiscal concerns and on bets for a potential rate hike at the Dec. 19 BOJ policy decision.

    What Bloomberg’s Strategists Say…

    “JGB investors seem to have found the yield level they love for 30-year bonds, with a huge 4.04 bid-to-cover ratio. That is the highest demand since 2019, with the low price well above the pre-sale forecast, which is another positive signal. Moreover, Nomura was the biggest buyer — typically a sign of long-term investors getting involved.”

    — Mark Cranfield, Markets Live strategist. Click here for the full analysis.

    Meanwhile in Australia, bond yields rose to the highest level this year amid growing speculation the central bank will switch back to raising rates to curb inflation.

    In currency markets, a gauge of the dollar was steady after dropping 0.4% in the previous session, when US treasuries climbed across the curve, pushing two-year yields down to around 3.48%. The Indian rupee fell to a record low against the dollar as sentiment remained weak amid delays in securing a trade deal with the US.

    Separately, China set its daily reference rate for the yuan at a level that was significantly weaker than estimates, suggesting the central bank is aiming to limit gains in the managed currency which is inching close to a keenly watched level of 7 per dollar.

    Tech Drags

    Cyclical stocks such as industrials and financials were among the top contributors to gains for the MSCI Asia Pacific Index on Thursday. While its moves this week have been small, the regional gauge is on course for a third straight session daily advance. It jumped 2.7% last week, the most since early October.

    “The relief over the US November ADP employment data and growing hopes for the Fed’s rate cut next week seem to be contributing to a better sentiment for APAC equity markets,” said Homin Lee, a senior macro strategist at Lombard Odier Singapore.

    In commodities, silver fell but continued to trade near an all-time high on the reinforced bets of a Fed cut. Gold edged lower. Oil held a modest gain as investors weighed the outlook for a ceasefire in Ukraine and the fallout from tensions between the US and Venezuela.

    Trade and geopolitics were also on investors’ radar. French President Emmanuel Macron and Chinese leader Xi Jinping met in Beijing on Thursday, where they would discuss a range of issues including economic ties, trade tensions, Taiwan and the war in Ukraine. Commerce Secretary Howard Lutnick said that the US is expecting a large investment pledge from Taiwan in trade talks.

    Fed Outlook

    Despite the apparent confidence among investors, US policymakers have been torn as to whether they’ll cut rates for a third straight meeting as they attempt to balance the slowdown in the job market with still-elevated inflation.

    Data on Wednesday showed US services activity expanded at a slightly faster pace, while a measure of prices paid dropped to a seven-month low.

    Before their final policy meeting of the year, Fed officials will get a dated reading on their preferred inflation gauge. On Friday, the September income and spending report is due to be released — long delayed because of the government shutdown.

    The figures will include the personal consumption expenditures price index and a core measure that excludes food and energy. Economists project a third straight 0.2% increase in the core index. That would keep the year-over-year figure hovering just below 3%, a sign that inflationary pressures are stable, yet sticky.

    “Right now, the data argues for additional Fed funds rate cuts. US labor demand is weak, consumer spending is showing early signs of cracking, and upside risks to inflation are fading,” said Elias Haddad at Brown Brothers Harriman & Co.

    Corporate News

    Paramount Skydance Corp. more than doubled the proposed breakup fee in its offer to acquire Warner Bros. Discovery Inc. to $5 billion, according to people familiar with the company’s offer, part of a sweetened proposal designed to outshine rival bids. Singapore’s stock exchange is considering buying Cboe Global Markets Inc.’s Australian unit, the Australian Financial Review reported. On one of Larry Fink’s frequent trips to Australia, the BlackRock Inc. chief sized up a boutique finance firm run by an Olympic swimming champ — a prelude to a A$25 million ($16.5 million) play to crack open one of the world’s richest retirement systems. Hong Kong builder New World Development Co. failed to get full support from creditors in a key bond-exchange plan that required them to accept cuts in the value of their holdings. Microsoft Corp. slid 2.5% on a report of lower demand for some artificial-intelligence tools even as the company said aggregate sales quotas for AI products have not been reduced. Some of the main moves in markets:

    Stocks

    S&P 500 futures were little changed as of 2:35 p.m. Tokyo time Japan’s Topix rose 1.7% Hong Kong’s Hang Seng rose 0.1% The Shanghai Composite fell 0.1% Euro Stoxx 50 futures rose 0.5% Currencies

    The Bloomberg Dollar Spot Index was little changed The euro was little changed at $1.1660 The Japanese yen was little changed at 155.35 per dollar The offshore yuan was little changed at 7.0647 per dollar Cryptocurrencies

    Bitcoin fell 0.7% to $93,075.12 Ether rose 0.6% to $3,184.46 Bonds

    The yield on 10-year Treasuries advanced two basis points to 4.08% Australia’s 10-year yield advanced six basis points to 4.70% Commodities

    West Texas Intermediate crude rose 0.6% to $59.33 a barrel Spot gold fell 0.2% to $4,194.37 an ounce This story was produced with the assistance of Bloomberg Automation.

    –With assistance from Aya Wagatsuma, Winnie Hsu and Richard Henderson.

    ©2025 Bloomberg L.P.

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  • A Smarter Way to Predict Profit Starts With HR Data Analytics | SPARK Blog

    A Smarter Way to Predict Profit Starts With HR Data Analytics | SPARK Blog



    Trends





    Janet Berry-Johnson, CPA



    Leaders discussing HR data analytics



    Leaders are boosting traditional financial forecasts by using workforce data as an early indicator of business performance. Combined with AI, HR insights on engagement, turnover and skills help spot trends sooner, enabling faster, more accurate decisions and better margin management.

    What business leader doesn’t want clearer foresight and better visibility into next quarter’s revenue, upcoming cost pressures and the health of their margins? Yet most forecasting models still rely almost entirely on financial data, even though financials tend to tell the story last.

    The earliest signs of change, good or bad, nearly always appear in HR data analytics. And workforce trends may surface weeks or months before they show up on a balance sheet or income statement.

    That’s why forward-looking leaders are rethinking their approach. With clean people data supported by responsible artificial intelligence (AI), organizations can turn early signals into reliable forecasts, spot risks sooner, plan resources more effectively and make decisions faster.

    You don’t have to replace your existing financial forecasting model. Instead, power it with workforce insights you’ve been leaving untapped.

    HR data analytics in motion

    Financial outcomes tend to build slowly. When leaders learn to treat people data as “data in motion,” they discover workforce signals consistently move ahead of financial results.

    For example, when employee engagement scores slip, production delays, quality issues and customer experience impacts often follow, creating avoidable revenue drag. Higher attrition drives recruitment costs, onboarding time and overtime to cover gaps, forecasting compressed margins in the next quarter. Slow time-to-fill or shortages in critical skills signal that teams may struggle to meet demand, limiting revenue potential or delaying projects.

    None of these insights requires complex analytics. They simply require paying attention to how fast certain signals are changing and in which direction. When viewed this way, people data enhances forecasting. Instead of guessing where performance is headed, you observe it in real time through the people who drive it and maximize the value of your investments.

    “You need to align your HR data analytics efforts to what’s important to the organization and the HR strategy that you have in place,” said Kathy Gawronski, VP Value Engineering at WorkForce Software – an ADP Company.

    “First, it’s important to get support for driving more value out of your HR system and using available data to drive that value. It won’t be that difficult to get support to do that, because it’s getting more value out of what you’ve already invested in,” said Gawronski. “Begin small and leverage the value of initial studies to establish additional support and necessary investments. Be sure to communicate the impact to the bottom line of the initial insights. Lather, rinse, repeat.”

    AI as the accelerator

    High-quality people data creates early visibility, but responsible AI turns that visibility into sharper, faster and more reliable forecasting. Instead of manually stitching together spreadsheets, leaders can use AI to reduce reporting errors, uncover patterns earlier and model scenarios in seconds.

    The benefits are practical and immediate:

    • Fewer reporting mistakes: AI reduces manual entry and reconciliation work, helping eliminate the small but costly inaccuracies that distort forecasts.
    • Faster scenario modeling: Leaders can test questions like, “What if attrition rises 35%?” or “How would a slowdown in hiring velocity affect project capacity?” without days of analysis.
    • Improved budgeting accuracy: By detecting small shifts in workforce behavior early, AI gives HR and finance teams more time to adjust headcount plans, training investments and labor budgets.

    According to McKinsey & Company, organizations using AI-driven forecasting saw forecasting errors drop 20% to 50% compared with traditional spreadsheet methods.

    Forecast in action

    Consider a regional business that began tracking absenteeism in conjunction with team performance. Initially, the metrics appeared unrelated. But eventually leaders noticed a pattern: when absenteeism crept up, productivity dipped shortly afterward, often before anyone flagged a problem.

    By linking these signals, the company built a simple model that projected how rising absenteeism would affect output and labor costs. When the data began trending upward for one quarter, the model forecasted a margin decline nearly two months earlier than traditional financial reports would have. Armed with that insight, leaders acted quickly. They adjusted staffing plans, shifted workloads, and tightened scheduling practices, avoiding the overtime expenses that would have eroded margins.

    This is the power of forecasting through people data. Even a basic connection between workforce behavior and financial outcomes can reveal issues earlier, strengthen planning and prevent cost overruns before they occur.

    Quick start framework

    You don’t need a full analytics function or complex modeling to begin forecasting with workforce insights. A simple, structured approach can help HR and business leaders build confidence, improve accuracy and demonstrate value quickly. But you do need technology that’s up to the task; a platform that can flex and expand with your needs and has AI capabilities built in. And it’s essential that you evaluate and address any shortfalls in the quality of your data. Clean and accurate data is essential to the success and output of everything that follows.

    Step 1: Clean existing workforce data and link it to business goals

    Data quality is critical. Start by validating what you already have, such as turnover, time-to-fill, engagement scores, training hours or skills inventories. The goal is consistency. Tie each data point back to a business question, such as “How does turnover affect margin?” or “How do skills gaps impact project delivery?”

    Step 2: Partner with finance to define key forecasting inputs

    HR shouldn’t forecast in a vacuum. Collaborate with finance to identify which workforce signals meaningfully impact revenue, cost or capacity. Agree on shared definitions, data sources and the thresholds that should trigger a conversation.

    Step 3: Start small: one metric, one model or one reporting cycle

    Pick a single leading indicator, such as voluntary turnover. Build a simple predictive workflow around it and track how that metric moves and signals change. This keeps experimentation manageable and shows value early.

    Step 4: Expand as patterns emerge

    Once you see reliable relationships between people data and financial results, scale gradually. Add new metrics, automate reporting, incorporate AI and refine your models. Each added layer improves accuracy and strengthens long-term planning.

    See the road ahead with workforce intelligence

    Forecasting through people data transforms traditional HR metrics into true leading indicators of business performance. When leaders understand how shifts in engagement, turnover, skills and hiring velocity shape operational capacity and financial outcomes, they gain a clearer view of what’s coming next.

    With an integrated perspective across workforce, payroll and financial data, ADP empowers leaders to make smarter, more confident forecasting decisions.

    Learn how ADP helps businesses connect people analytics with profit prediction.

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  • Trump pardons entertainment exec indicted by his own justice department | US news

    Trump pardons entertainment exec indicted by his own justice department | US news

    Donald Trump quietly pardoned on Tuesday a sports and entertainment executive, Tim Leiweke, who was indicted by the president’s own justice department this year.

    Leiweke, who co-founded Oak View Group, was indicted in July for what federal prosecutors alleged was his role in “orchestrating a conspiracy to rig the bidding process for an arena at a public university in Austin, Texas”.

    Leiweke had pleaded not guilty to charges of conspiracy to restrict trade and was due to stand trial next year.

    According to a copy of the pardon posted on a justice department website on Wednesday, Trump signed “a full and unconditional pardon” for Leiweke on Tuesday.

    The office of the pardon attorney posted the pardon on its website on Wednesday, the fifth Trump granted in the past week to powerful people, with no explanation as to why he had terminated a corruption case brought by prosecutors who work for him.

    “As outlined in the indictment, the Defendant rigged a bidding process to benefit his own company and deprived a public university and taxpayers of the benefits of competitive bidding,” assistant attorney general Abigail Slater of the justice department’s antitrust division said in July. “The Antitrust Division and its law enforcement partners will continue to hold executives who cheat to avoid competition accountable.”

    “Unfair business practices, like those employed here, make it very difficult for the American people to pursue prosperity like our founders intended,” Justin Simmons, the US attorney for the western district of Texas said in July. Simmons was appointed interim US attorney for that office by Trump’s attorney general, Pam Bondi, in June.

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    “I do not have the words to adequately convey my profound gratitude to President Trump,” Leiweke said in a statement to Sports Business Journal on Wednesday. “This has been a long and difficult journey for my wife, my daughter, and me. The President has given us a new lease on life with which we will be grateful and good stewards.”

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  • Court sides with Adidas in appeal over Kanye West collaboration

    Court sides with Adidas in appeal over Kanye West collaboration

    Adidas has fended off an appeal from shareholders who accused it of hiding misconduct by rapper-entrepreneur Kanye West – otherwise known as Ye – before their partnership broke down in 2022.

    A San Francisco court said the sportswear giant did not mislead investors, who claimed they had lost money after Adidas shares plunged when it cut ties with West.

    The Yeezy tie-up with West had been one of Adidas’ most successful partnerships, but its collapse after a spate of anti-Semitic comments by the rapper cost the brand hundreds of millions of dollars.

    The BBC has contacted Adidas for comment but could not reach the firm leading the class action or West’s team.

    West, who is not party to the lawsuit, was widely criticised after repeatedly making antisemitic remarks and promoting conspiracy theories.

    His Yeezy brand collaboration with Adidas was put under review after he showed a “White Lives Matter” T-shirt design at a fashion show in 2022. Shortly after, he posted anti-Semitic comments online, which prompted Adidas to pull his products from sale.

    West’s behaviour also prompted several companies, including Gap and JP Morgan, to sever ties with the rapper.

    Court documents filed on Wednesday show that HLSA-ILA Funds, the firm representing investors, alleged that Adidas continued its partnership with West despite knowing about his controversial conduct for years.

    The filing claims Adidas “internally grappled” with West’s behaviour but misled shareholders by failing to disclose the risk in its reports.

    The 9th US Circuit Court of Appeals in San Francisco ultimately sided with Adidas.

    The court said on Wednesday that a reasonable investor would know that a partnership with a celebrity like West could come with “inherent risks relating to improper behaviour”.

    A district court had previously dismissed HLSA-ILA’s case, and the firm later appealed.

    The collapse of Adidas’ partnership with West caused the German firm’s share price to tank in 2023.

    Yeezy, luxury sneakers designed by West, had been a particularly lucrative line of products for Adidas, generating around €1.5bn (£870m; $1.17bn) in sales in 2021.

    The partnership breakdown left Adidas with more than €1bn worth of Yeezy shoes sitting in storage. In 2023, the brand announced that it would sell those products and donate some of the proceeds to charities who worked on combating hate.

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  • Should US Growers Look to Africa as the Next Big Market? Selected Import Markets for Soybeans, Meal, and Oil

    Should US Growers Look to Africa as the Next Big Market? Selected Import Markets for Soybeans, Meal, and Oil

    Introduction

    The Soybean Innovation Lab (SIL) introduces readers to the question whether Sub Saharan Africa (SSA) presents a new market opportunity for US soybean growers. This article wraps up a three-part series on the topic of Africa as a potential export market for US soybeans. The African market presents a very complex landscape. While it is large, diverse, and growing rapidly, there exists great uncertainty, significant business risks, and demand for soybean and associated products are just beginning to emerge.

    This first article in the series focused on the larger food and oil trends dominating the African continent (see farmdoc daily from November 13, 2025).  The second article delved into the import flows of soybean, oil, and meal into Africa (see farmdoc daily from November 19, 2025).    Today’s third and final article discusses four specific country examples – Egypt, Ghana, Nigeria, and Tanzania – touching on their imports of soy and soy products, logistics infrastructure, and existing policies on genetically modified soybean imports. We also include a list of additional readings on the subject of food and agricultural trade and Africa.

    Import Markets for Soybeans, Meal, and Oil

    Egypt

    Since 2020 soybean import demand in Egypt has been rising at a compound annual growth rate (CAGR) of 4.5% and now amounts to over 172 million bushels a year (Table 1). Import growth will continue to be driven by an influx of foreign currency and growing domestic demand for soy ingredients and soy-based products. U.S. soybeans accounted for almost 70% of Egypt’s total soybean imports over the past five years and that is likely to continue due to the freight advantage over South America.

    Soybean oil and meal import demand are relatively minimal and reflect Egypt’s commitment to domestic crush. Local processors supply the Egyptian market with approximately 850,000 metric tons of soybean oil and 3.7mmt of soybean meal. Soybean oil imports amount to 8% of palm oil imports, which are 1,255,925 metric tons, and 47% larger than domestic soy oil output.

    Egypt charges no import tariffs on raw oilseeds like soybeans, sunflower seed, and palm kernel, but there are 5% tariffs on oilseed meal and cake, and 2% tariffs on soybean and sunflower seed oil. There are no tariffs on crude cottonseed and palm oil (Morgan, 2025). Egypt’s major ports, Alexandria (including El Dekheila), Damietta, and the ports within the Suez Canal Economic Zone, are critical for handling the nation’s grain and dry bulk imports.

    Nigeria

    Domestic consumption of soybeans in Nigeria continues to increase. Nigeria’s crush capacity has expanded to 875,000 metric tonnes annually, about 19% of Egypt’s capacity, and is expected to continue to grow. With a strong demand for animal feed, and edible oils, Nigeria’s demand for soybeans is estimated to be over 99 million bushels annually, or 57% of Egyptian soybean imports, significantly outstripping domestic crush capacity.  A soybean oversupply situation of 46% with respect to domestic crush has Nigeria currently importing almost no raw soybeans or soybean meal, and importing 50,000 mt or 22% of its domestic soybean oil needs (Bielecki, 2024a).  Soybean oil imports amount to 4% of palm oil imports, which are approximately 1.1 mmt.

    Nigeria’s imports are largely limited by the availability of hard currency, which is strictly controlled by the government.  Generally, Nigeria imposes high tariffs and other trade restrictions on many oilseed products, primarily to protect local producers and manage foreign exchange reserves. The specific tariffs and import eligibility have been more flexible with raw, rather than processed, oilseed imports, particularly to address food shortages and supply chain issues.

    Nigeria has several major seaports that handle grain and dry bulk commodities, with the busiest terminals located in Lagos. However, port congestion, inefficient operations, and aging infrastructure have historically presented challenges, though concessioning of terminals and new ports like Lekki aim to improve efficiency.

    Ghana

    Ghana imports almost no raw soybean and very little soybean oil (~5,000 mt). Meal imports at 230,000 mt are equivalent to 10.8 million bushels of grain. Soybean oil imports amount to only 4% of Ghana’s palm oil imports, which total 132,000 mt, or almost 27 million bushels of soybean grain equivalent.

    According to a May 2023 USDA report (Taylor, 2023), Ghana’s import tariff regime for soybeans is described as unfavorable and this has kept imports low.  An import VAT duty is applied to the Cost Insurance Freight (CIF) value, and other taxes and levies are then calculated based on the CIF value plus the import duty, creating a cumulative rate that can exceed 23% in many cases.  Ghana’s primary commercial ports are Tema and Takoradi. Recent upgrades have increased capacity at both ports for various cargo types.

    Tanzania

    Tanzania has limited oilseed processing facilities, most of which is crushing local sunflower production. Domestic production of oilseed cannot meet domestic demand, therefore the country has historically relied on imports from neighboring countries like Zambia and Malawi, although these can be subject to supply chain disruptions due to poor roads (Koster, 2025).

    The Tanzania feed market annually needs approximately 135,000 mt of soybean meal, or 173,000 mt of grain equivalent, primarily for poultry. The largest imported supplies come from Zambia, followed by India and Malawi (Koster, 2025). With Tanzania ports being located on the eastern coast of Africa, the country is at a freight disadvantage for trade with the U.S.

    Tanzania’s annual demand for edible oils is around 570,000 mt, while the domestic processors supply only 31% of demand or 180,000 mt, leading to a substantial import dependency (Koster, 2025).  Most of the domestic oil production comes in the form of sunflower oil as the nation only produces 1.9 million bushels of soybean or 1.2% of domestic edible oil demand. Imported oil fills the gap and comprises no soy and 287,000 mt of palm oil or about 50% of national annual demand for edible oil.

    Tanzania applies a 10% customs duty on crude soybean oil, which was recently introduced to align with duties on other crude oils like sunflower and cotton seed. Tanzania’s primary port for handling grain and dry bulk cargo is the Port of Dar es Salaam, which manages about 95% of the country’s international trade.

    The State of GM Regulations across Four Selected Countries in Africa

    Although GM (genetically modified) crops were initially regarded as a technological blessing for reducing food insecurity, many African countries have created regulatory barriers, either to their importation or to their domestic production. And these regulations in Africa “vary widely in their approaches, ranging from cautious approval to outright prohibitions” (Mmbando, 2024).  “Countries like Kenya have embraced GMOs for food security, while others, such as Tanzania and Uganda, remain cautious and in opposition. The regulatory challenges, coupled with infrastructural and economic barriers, continue to hinder widespread adoption in the region” (Escasura, 2025).

    Egypt allows the importation of 100% of biotech crops except for seeds used for cultivation (Table 2). Currently, Egypt has strict rules against planting genetically modified (GMO) soybeans, but allows their importation for animal feed, provided they are approved for consumption in the country of origin. The country has been considering an end to its ban on growing GMOs due to factors like grain prices, but a lack of a comprehensive biosafety law and public opinion have slowed progress.

    Table titled 'Status of GMO Import Regulations by Country' with four columns: Country, Open or Closed to GMO Imports, Status of GMO Production, and USDA FAS 2024 biotech report statement. Egypt is open except for biotech seeds for cultivation, Tanzania is completely closed, Nigeria is partially open with biotech crops in development, and Ghana is fully open with its first indigenous biotech crop released in 2024.

    Ghana is open to GM imports whether that be grain or seed. Ghana’s parliament in 2011 passed legislation to allow the use of GMO technology in agriculture. With their open stance toward biotech crops, the country has increased its production capabilities. Ghana’s National Biosafety Authority (NBA) recently approved the commercialization of 14 new genetically modified products comprising eight maize events and 6 soybean events (Taylor and Beillard, 2024).

    Nigeria places more restrictions on grain imports compared with Egypt and Ghana. It permits the import of biotech crops for Biotechnology and Other New Production Technologies Annual poultry feed, and seeds for research purposes. An approved NBMA-issued biotech seed import permit is required and needs to be submitted 270 days in advance.  There are currently five biotech crops in different developmental stages, including rice, cassava, sorghum, and potato.  A Bt corn product  called Tela Maize has been registered and commercially released in Nigeria (see https://sciencenigeria.com/tela-maize-transforming-lives-of-nigerian-farmers/ ).

    Tanzania maintains the most stringent GM regulations of the four where no GM products may be imported or commercialized in the country. While the country allows limited, contained research and has the legal framework for GMO approval, the stringent liability requirements for any potential harms have prevented the commercial release of any GM agricultural products.

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  • Empowering Independence, Connection, and Access Through Tech Innovation Across Southeast Asia and Oceania – Samsung Newsroom Australia

    Empowering Independence, Connection, and Access Through Tech Innovation Across Southeast Asia and Oceania – Samsung Newsroom Australia

     

    Every day, people navigate unique circumstances that shape how they live and interact with their surroundings. At Samsung, we hold fast to our commitment to enhance daily experiences for everyone, developing solutions and technologies that empower people to experience a more personal and impactful world.

     

    Reflecting on this purpose as we mark this year’s International Day of Persons with Disabilities, we turn the spotlight to inspiring solutions developed by youth in Southeast Asia and Oceania (SEAO) for Samsung Solve for Tomorrow (SFT) 2025—our global flagship corporate social responsibility program now in its 15th year. The program encourages students to address local and global issues using STEM (science, technology, engineering, and mathematics), and we have seen innovative solutions developed by the next generation of changemakers committed to break barriers and drive equity within their communities.

     

     

    Innovating for Independence in Sports  

    Many of us stay healthy, build friendships, and enjoy the thrill of competition and achievement through sports and physical activity. Yet, individuals living with disabilities often face barriers when taking part in such activities.  

    Inspired by real challenges faced by the community and even close friends around them, some of our SFT teams explored how the intersection of sports and technological innovation can create meaningful opportunities for all to participate and compete. Projects from the Indonesia and Singapore teams were recognised for their innovative and impactful ideas, developed in line with SFT 2025’s new global theme—Social Change Through Sport & Technology—created in collaboration with the International Olympic Community.

     

    

    Designed to help visually impaired runners navigate safely, RunSight combines smart glasses with a camera, earbuds, a computing unit, and a mobile app

     

    Team LABMINO, winner for the University category in SFT Indonesia, were inspired by a close friend and avid runner who lives with impaired vision due to cataracts. This led them to create RunSight—a wearable device that recognises track lines, detects obstacles, and estimates depth in real time. As it works without internet connectivity, RunSight enables these individuals to run freely and independently, reducing their need for guide runners.

     

    Team Pei Pei Hwa Hwa’s Ando Hypohidrosis Vest acts like a “mechanical sweat gland”, helping individuals with hypohidrosis stay cool during outdoor activities

     

    In Singapore, Team Pei Pei Hwa Hwa set out to improve outdoor experiences for individuals living with hypohidrosis—a condition that limits the body’s ability to produce enough sweat and regulate heat. In tropical climates, overheating can pose a serious risk, often leaving individuals reliant on ice packs, portable fans, or even surgery to stay cool during outdoor activities. To address this, the team developed the Ando Hypohidrosis Vest, an energy-efficient solution designed to keep the wearer’s back cool by circulating chilled coolant, enabling them to participate in everyday outdoor activities and exercise.

     

    Bridging Voices, Building Shared Understanding

    Deaf and hard of hearing individuals often face difficulties with understanding others and being understood. This prompted our Australian SFT winner to create a solution to support clearer communication.

     

    

    Access Lens helps both Deaf and hard of hearing Auslan users feel more confident, connected, and included in everyday conversations

     

    Within Australia’s Deaf and hard of hearing community, accessible and affordable Auslan (Australian sign language) translation tools remain limited. Major Prize SFT winner, Faiz Noorani, created Access Lens, a real-time augmented reality solution that uses smart glasses or a smartphone camera to convert spoken English into Auslan. Designed to run locally, Access Lens enables clearer communications with English speakers while avoiding the common barriers of other translation platforms, such as delays, cloud fees, and advertisements. With his AUD$10,000 (~US$6,574) prize money, Faiz plans to enhance Access Lens’ features, expand its reach, and build strategic partnerships to support long-term impact.

     

    Equitable Medical Access and Early Intervention

    AI SpineCheck provides a quick and easy way to screen children for scoliosis risk

     

    In Thailand, Team AI SpineCheck set out to improve early detection of scoliosis after seeing many high school students needing spinal braces or surgery due to late diagnosis-leading to higher treatment costs for more advanced cases. Current screening methods often depend on medical personnel and can be inaccessible or inconsistent for local communities. AI SpineCheck simplifies this process with an AI-powered platform that analyses photos to assess spinal alignment. This offers a more accessible and convenient way to screen for scoliosis, supporting early intervention and better health outcomes.

     

    Creating Better Accessibility and User-Centered Design for All

    A key part of inclusion is not only designing innovations specifically for persons with disabilities, but ensuring everyday products and services meet the needs of all users, regardless of ability. Guided by this philosophy, Samsung devices, appliances, and solutions are designed to be inclusive, intuitive and convenient for all.

     

    Visibility enhancement settings on the Bespoke AI Laundry Combo

     

    Our 2025 Bespoke AI home appliances incorporate more streamlined control experiences that empower all users—including those with limited mobility—towards comfortable and accessible use. With simple voice commands, such as “Open the fridge door” to cue features like Auto Open Door for refrigerators[1], or “I’m going to sleep” to turn off lights and appliances via SmartThings routine once its set up[2]—users can manage their home hands-free. The Bespoke AI Pump Combo also features a large, easy-to-read digital display that replaces traditional dials and small text for smoother wash-cycle selection.

     

    Guided by an accessibility-first approach, we constantly refine our designs across product development cycles, working closely with users to test and enhance usability. For instance, Samsung added audio guidance, color inversion or grayscale modes in their screen-equipped appliances for users with visual impairments. To make Samsung appliances easier to navigate, it keeps discovering new ways to enhance accessibility as shown in the award-winning[3] “Samsung Inclusive Essentials” concept, which aims to standardise sensory cues across products.

     

    Building a More Inclusive Future Together

     

    By seamlessly weaving intelligent, inclusive technology into everyday life, Samsung ensures that everyone—regardless of ability or environment—can enjoy connected and personalised experiences. From empowering communities through programs like Solve for Tomorrow to embedding accessibility into our products and services, we remain committed to enabling individuals to live more independently and open up more possibilities for people in their daily life.

     

    [1] Products and models equipped with the feature may vary by market

    [2] Requires a wireless network, a Samsung account and the Samsung SmartThings App. Must be manually set up by the user to trigger this command.

    [3] At the 2025 International Design Excellence Awards (IDEA), Samsung received a Gold Award for its “Samsung Inclusive Essentials” concept in the Concepts & Speculative Design category

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