摩根士丹利预测，到2030年，欧洲银行业可能会裁员 10%。同时，各家银行会将更多业务转移到 线上。根据对 35 家贷款机构的分析，裁员最有可能来自银行的"中央服务"部门，其中包括后台和中台 职位，以及风险管理和合规职位。这些银行加起来大约雇佣了 212 万名员工，这意味着裁员 10% 将导 致大约 21.2 万个工作岗位流失。 摩根士丹利的分析师表示，人工智能为银行提供了一个改善成本收入比的机会——这是衡量贷款机 构效率的关键指标，也是投资者关注的重点。分析师强调，未来几年，数字化程度的提高和人工智能的 采用将会改变欧洲的银行业格局。 （原标题：20万个欧洲银行业岗位面临取消风险） 《金融时报》12月31日报道，分析人士估计，未来五年内银行业将越来越多地采用人工智能服务并 关闭许多分支机构，超过 20 万个欧洲银行业工作岗位将面临取消风险。 ...

Agriculture Sector - Cocoa exports are performing strongly, with revenue reaching a historical high of 1.2 billion Kina in 2024 and expected to increase to 2 billion Kina in 2025, driven by production increases in provinces like Bougainville [1] - Global cocoa prices have declined from approximately $10,000 per ton at the beginning of the year to about $6,000 per ton by year-end due to production recovery in Côte d'Ivoire [1] - The coffee industry is facing challenges, with declines in production, yield, and exports despite high global market prices; key measures include the "Freight Assurance Program" launched in July and the establishment of a new coffee processing plant in Morobe Province [1] Mining and Oil Sector - The mining sector, while not in its best year, has made significant contributions to the economy through company income taxes, with the Domestic Revenue Commission collecting around 1.6 billion Kina from major mines, aiming for a total of 2 billion Kina for the year [2] - Investment in the Central Province's lime and cement project exceeds 3 billion Kina, with a final investment decision expected to reduce cement imports by 50% [2] - The PNG LNG project has generated over 5 billion Kina in export revenue this year, while the Papua LNG project's final investment decision has been postponed to early 2026, which is crucial for the future development of the oil sector and meeting long-term demand in Asia [2] Retail, Manufacturing, and SMEs - Retail and manufacturing activities in Port Moresby are relatively subdued, facing intense competition, while the manufacturing sector is hindered by ongoing power outages and high network costs, leading to significant losses [2] - The performance stagnation of state-owned enterprises and infrastructure issues are identified as barriers to economic growth [2] - Access to funding for small and medium-sized enterprises (SMEs) remains a major obstacle, with government support funds struggling to reach entrepreneurs due to banking policy regulations [2] - The geographical advantages of Papua New Guinea present significant trade potential, but overall growth requires the finalization of large resource projects like Papua LNG to stimulate downstream business activities and address critical infrastructure and financing challenges for SMEs [2]

俄罗斯塔斯社网站12月30日报道，俄财政部长西鲁阿诺夫在接受媒体采访 时表示，2026年俄经济将转入稳定和平衡增长，2025年经济增长近1%，他表 示："我们在预见中看到经济发展放缓和保持增长，明年经济将进入稳定和平 衡增长"。 （原标题：2025年俄经济增长近1%） ...

（原标题：哥伦比亚前11个月侨汇收入达119.2亿美元） 据哥伦比亚《证券报》12月29日报道，哥央行数据显示，2025年1至11月，哥共接收海外侨汇119.2 亿美元，全年各月侨汇收入均保持在10亿美元以上，11个月累计规模与该国传统出口部门相当。分析指 出，在全球经济环境复杂多变、部分国家通胀压力仍存的背景下，侨汇作为哥重要外汇来源之一，全年 表现稳健。其持续增长反映出哥海外侨民对国内家庭的长期支持，为宏观经济稳定提供了重要支撑。 ...

Core Insights - Colombia's unemployment rate decreased to 7.0% as of November 2025, marking a year-on-year decline of 1.1 percentage points, the lowest level for that month since 2001 [1] Employment Data - The total unemployed population in Colombia is approximately 1.8 million [1] - The total employed population in November is around 24.59 million [1] - The informal employment rate stands at 55.4%, showing a slight increase compared to the same period last year [1] - The informal employment population is about 13.6 million [1]

据哥伦比亚Valora Analitik网站12月29日报道，中国港湾哥伦比亚分公司近日提交预可行性研究方 案，建议将原本止于72街的波哥大地铁一号线向北延伸约3.3公里至100街，并新建3座高架车站。方案 显示，延伸段将连接多个城市交通枢纽，实现与快速公交系统、北部区域有轨列车等交通网络的换乘， 缓解72街一带长期存在的交通拥堵问题，提升北部城区通达性。 （原标题：波哥大地铁一号线拟延伸至100街） ...

分析人士认为，通胀放缓、经济增长改善，以及市场对美联储进一步降息的预期，均有望在明年继 续支撑兰特走势。投资者同时密切关注南非国有电力公司Eskom供电稳定性的改善，以及铁路和港口运 营效率的修复进展。2025年，Eskom基本避免了长期困扰经济的轮流限电。 南非近期正式将通胀目标下调至3%，进一步增强市场信心，推动国债收益率降至2017年以来低位。叠 加金价和铂族金属价格上涨，兰特获得额外支撑。市场数据显示，未来一年兰特隐含波动率已降至2001 年以来最低水平，反映投资者对汇率稳定性的预期明显提升。 （原标题：南非兰特汇率有望创16年来最大年度涨幅） 《彭博社》12月29日报道称，在美元走弱与国内政治稳定的共同作用下，南非兰特今年有望录得自 2009年以来的最大年度涨幅，显著提升了对国际投资者的吸引力。数据显示，兰特今年以来对美元累计 升值约13%。同期，海外投资者净买入南非本币债券724亿兰特，远高于2024年的156亿兰特净流入。 ...

（原标题："伏尔加河汽车公司"自明年一月起将拉达车价格指数化最高定为1.9%, 平均为0.5%） 俄罗斯国际文传电讯社网站12月30日报道，"伏尔加河汽车公司"计划2026 年1月起将拉达车价格指数化平均定为0.5%，工厂表示，尽管2025年通货膨胀 和税率变化，但对于拉达汽车系列来说平均价格上涨幅度将为0.5%，最畅销的 车型Lada Granta、Lada Niva Travel价格指数化较高，达到1.9%，有的车型价 格下降。2026年计划生产40万辆拉达车。 ...

Core Viewpoint - The Senegalese Energy Regulatory Commission (CRSE) has officially approved a new electricity pricing scheme aimed at reducing electricity costs for small users by 10% starting next year [1] Group 1: Pricing Structure - The new pricing structure introduces a targeted 10% reduction for the first tier of electricity consumption, benefiting low-power residential and professional users [1] - The reduction applies to both postpaid and Woyofal prepaid users, ensuring equitable treatment for all small users [1] Group 2: Beneficiaries and Impact - By 2026, over 2.6 million users nationwide are expected to benefit from this price reduction [1] - For low-power residential users, the price for the first tier (0 to 150 kWh) is set at 82 West African francs per kWh, while for low-power professional users, the price for the first 50 kWh is reduced to 147.43 West African francs per kWh [1] Group 3: Economic Implications - This social measure is projected to result in a revenue decrease of approximately 18.279 billion West African francs for the Senegalese National Electricity Company [1] - However, the CRSE's analysis indicates that this revenue reduction will not jeopardize the industry's viability, as the projected total revenue for 2026 remains within the allowable maximum revenue standards [1] - The proposal from the Senegalese National Electricity Company is deemed reasonable, maintaining unchanged rates for high-consumption and other customer categories [1]

Group 1 - The Colombian government has announced an increase in the minimum wage to nearly 1.75 million pesos (approximately 466 USD), representing a rise of about 23% [1] - The increase is significantly higher than inflation and productivity indicators, raising concerns among the business community [1] - The Colombian-American Chamber of Commerce warns that this wage hike could lead to a sustainability crisis for small and medium-sized enterprises, severely impacting formal employment in Colombia [1]