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In today edition we will talk about

• Apple Unveils iPhone 16e: A Budget-Friendly AI-Powered Smartphone

• HSBC Targets $1.8 Billion Cost Savings as New CEO Reshapes Strategy

• FHA Denies Major Layoff Reports Amid Housing Market Uncertainty

• Trump to Impose 25% Tariffs on Autos, Chips, and Pharmaceuticals

Apple Unveils iPhone 16e: A Budget-Friendly AI-Powered Smartphone

Apple has introduced the iPhone 16e, a more affordable version of the iPhone 16, priced at $599 and launching on February 28. This marks Apple's renewed focus on the budget smartphone market, competing with Google and Samsung. Notably, the iPhone 16e features Apple’s first in-house cellular modem, improving power efficiency and reducing reliance on external suppliers. Unlike the discontinued iPhone SE, the 16e aligns with modern iPhone designs, offering a 6.1-inch display, Face ID, and a 48MP camera, though it lacks a secondary lens and certain premium features. Crucially, it supports Apple Intelligence, the company's suite of AI tools, making advanced generative AI more accessible. As Apple navigates a shifting smartphone landscape, the iPhone 16e signals its commitment to AI-driven innovation while expanding its reach in the mid-range market.

HSBC Targets $1.8 Billion Cost Savings as New CEO Reshapes Strategy

HSBC reported stronger-than-expected annual profits of $32.3 billion for 2024, driven by growth in wealth management and global markets. Under new CEO Georges Elhedery, the bank is targeting $1.8 billion in cost savings by 2026 through efficiency measures, including an 8% reduction in personnel expenses. Elhedery is intensifying HSBC’s focus on Asia while streamlining operations, cutting investment banking roles in Europe and the Americas. The bank also announced a $2 billion share buyback and a total dividend of $0.87 per share, including a special payout from its Canadian business sale. Despite uncertainties in global interest rates, HSBC aims for a mid-teens return on tangible equity through 2027. Investors responded positively, with HSBC’s Hong Kong-listed shares rising over 1% post-announcement.

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FHA Denies Major Layoff Reports Amid Housing Market Uncertainty

America’s largest mortgage insurer, the Federal Housing Administration (FHA), has denied reports of plans to cut nearly half its workforce following claims from Bloomberg. While a government spokesperson refuted the scale of potential layoffs, they did not confirm whether job cuts were forthcoming. The FHA, which insures over $1.3 trillion in mortgages, plays a crucial role in helping first-time and low-income buyers secure affordable home loans. Founded in 1934, the agency backs millions of mortgages by reducing lender risk, making homeownership more accessible. With mortgage rates hovering around 7% and affordability concerns rising, any disruption to the FHA’s operations could impact the housing market significantly.

Trump to Impose 25% Tariffs on Autos, Chips, and Pharmaceuticals

President Donald Trump announced plans to impose 25% tariffs on auto imports, semiconductor chips, and pharmaceuticals starting April 2, aiming to boost domestic manufacturing and reduce reliance on foreign supply chains. The move follows his recent 10% tariff on Chinese goods and 25% duties on steel and aluminum. Trump hinted at further tariff increases over the next year, encouraging companies to shift production to the U.S. Experts warn these tariffs could raise consumer prices, especially for cars, as nearly half of U.S. vehicle sales come from imports. Semiconductor giants like TSMC and Samsung, along with major pharmaceutical exporters from Europe, India, and China, could face significant impacts. While Trump has accused Taiwan of undermining the U.S. chip industry, the tariffs may accelerate foreign firms’ efforts to expand American production. The administration’s broader trade strategy aims to reshape global supply chains, but critics caution that it could also drive up costs for businesses and consumers.

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