AI boom lifts euro-area investment and credit growth as adoption spreads
• Digital investment: +73% in real terms since 2014; estimated at 3.3% of GDP by H1 2026
• AI adds about 10% to firms’ capital expenditure plans this year
• AI-related lending contributes an estimated 0.9 percentage points to annual credit growth; loans to AI firms remain below €200bn
• 52% of workers report using AI at work, double the 2024 share
• IT, cybersecurity and related incidents reached 10–12% of large operational risk events in 2025, nearly double 2018’s share