How does BBVA compare with its peers on AI and technology?
BBVA scores 77.2 on this site's global AI disclosure index, #27 of 140 banks and fifth in its nine-bank peer group, behind Commonwealth Bank of Australia (88.2), DBS (85.5), Lloyds (83.6) and Deutsche Bank (78.9), and ahead of Société Générale (72.7), BNP Paribas (72), Santander (71.3) and ING (65.2). Evident's October 2026 AI Index ranks BBVA first among eurozone banks and third in Europe. The score measures what is on the record, not capability. Three things separate BBVA from named peers. First, depth of the OpenAI relationship: about 100,000 employees on ChatGPT Enterprise with 70%-plus weekly use and more than 20,000 custom GPTs (June 2026), plus a founding stake in OpenAI's Deployment Company; Santander gave AI access to all 185,000 employees in June 2026 across several providers, and Bloomberg reported that Société Générale scrapped its in-house SoGPT for Microsoft Copilot. Second, production scale: 1,127 AI use cases in production (July 2026), against more than 800 in place at BNP Paribas. Third, disclosure: BBVA leads the group on its own primary disclosures, dated moves and disclosed numbers. Where BBVA trails: it ranks last in the group on independent sources; it publishes time savings (about 2.4 hours a week per regular user) but no euro value of AI, while BNP Paribas reports about €600 million to date, Santander €84 million in the first half of 2026, Lloyds about £50 million from generative AI and DBS about SGD 1 billion; and Commonwealth Bank of Australia and DBS lead it on outside AI rankings.[1][2][3][4][5][6][7][8][9][10][11][12][13]
Data as of Oct 20, 2026 · BBVA profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does BBVA lead its peers on AI?
01
The deepest OpenAI deployment among European banks
BBVA went from 3,300 ChatGPT Enterprise licences (May 2024) to an alliance covering all 120,000 employees (December 2025); OpenAI reports about 100,000 users with 70%-plus weekly activity and more than 20,000 custom GPTs (June 2026). NatWest's OpenAI collaboration dates from March 2025; BNP Paribas built its LLM-as-a-Service platform around Mistral AI.[14][15][2][16][17]
02
Top eurozone bank on Evident's 2026 index
Evident's AI Index (October 6, 2026) ranks BBVA first among eurozone banks, third in Europe and fourth overall on leadership. NatWest placed 17th and Lloyds 15th of 50; Commonwealth Bank of Australia was fourth overall.[1][18][13]
03
More production use cases than BNP Paribas or Société Générale disclose
BBVA reports 1,127 AI use cases in production (July 2026) from more than 8,000 identified by teams. BNP Paribas says it has more than 800 AI use cases in place, and Société Générale reported 300 in production in October 2024.[6][19][7][20]
04
An agent framework with published guardrails
On October 6, 2026 BBVA presented 'The Frame', a common framework giving each AI agent defined access, operational limits and human-oversight points, with voice agents resolving close to 90% of interactions in pilots in Peru and Mexico. Lloyds' Envoy platform (May 2026) has an Agent Marketplace with built-in safety checks and an audit trail.[8][21]
Where does BBVA trail its peers on AI?
01
No euro value for AI
BBVA reports time savings (about 2.4 hours a week per regular user) and productivity gains such as 28% for developers, but no euro value. BNP Paribas reports about €600 million of AI value to date and targets €750 million by end-2026; Santander reports €84 million in the first half of 2026 and targets more than €1 billion a year by 2028; Société Générale sizes a €500 million to €600 million opportunity.[8][9][10][22][23]
02
Least independent coverage in the group
BBVA ranks last of nine on independent sources in this site's index, with 11 against DBS's 29; most of its record comes from BBVA and OpenAI themselves. DBS carries outside awards such as Global Finance's World's Best AI Bank (October 2025).[24][2]
03
Behind the Asia-Pacific and UK leaders on overall disclosure
Commonwealth Bank of Australia (88.2), DBS (85.5) and Lloyds (83.6) all score higher on this site's index; CBA reports about A$200 million of measured AI benefits in FY26 and Lloyds about £50 million from generative AI in 2025, both with targets for the following year.[25][11][26]
Where does BBVA rank against its peers on AI disclosure?
Scores from reference score: the AI-index formula applied to all 140 profiles (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.
| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
|---|---|---|---|---|---|---|---|
| Commonwealth Bank of Australia | 88.2 | #7 of 140 | 20 | 28 | 16 of 20 | 25 | AI Factory, Customer Engagement Engine and CommBank Companion[27][28][29][30][31] |
| DBS Group Holdings | 85.5 | #10 of 140 | 29 | 17 | 11 of 17 | 26 | ADA, DBS-GPT and the agent control plane[12][32][33][34] |
| Lloyds Banking Group | 83.6 | #13 of 140 | 20 | 22 | 11 of 19 | 23 | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform[21][35][36][37] |
| Deutsche Bank | 78.9 | #22 of 140 | 15 | 28 | 10 of 17 | 27 | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud[38][39][40][41][42][43][44][45] |
| BBVA (this page) | 77.2 | #27 of 140 | 11 | 45 | 12 of 19 | 30 | ChatGPT Enterprise, BBVA Assistants and The Eight[15][46][47][2][48][49][50][51] |
| Société Générale | 72.7 | #41 of 140 | 25 | 1 | 12 of 16 | 14 | Microsoft Copilot (replacing the in-house SoGPT) and the Anthropic Claude agreement[5][52][23] |
| BNP Paribas SA | 72 | #43 of 140 | 16 | 19 | 12 of 20 | 19 | LLM as a Service, with Mistral AI and Google Cloud[53][54][55][56][57] |
| Banco Santander | 71.3 | #46 of 140 | 12 | 22 | 11 of 19 | 21 | Group Data & AI function inside ONE Transformation, with a multi-provider model stack[4][58][59] |
| ING Groep N.V. | 65.2 | #53 of 140 | 15 | 17 | 10 of 16 | 14 | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee[60][61][62] |
On which parts of the AI record is BBVA ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of BBVA and the 8 peers that are scored on the same basis. "Place" is BBVA's position in the group of 9 (1st = most).
| Component (weight) | BBVA | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 11 | 18 | DBS (29) | 9th of 9 |
| Use cases in production (10%) | 12 | 11 | Commonwealth Bank (16) | 2nd of 9 |
| Own primary disclosures (10%) | 45 | 20.5 | BBVA (45) | 1st of 9 |
| Dated moves, last 12 months (10%) | 30 | 22 | BBVA (30) | 1st of 9 |
| Disclosed numbers (5%) | 25 | 21.5 | BBVA (25) | 1st of 9 |
| Named AI leaders (5%) | 17 | 12 | Deutsche Bank (19) | 2nd of 9 |
| Use cases described (5%) | 19 | 18 | BNP Paribas (20) | 3rd of 9 |
What has each bank in BBVA's peer group disclosed about its AI?
Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.
| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
|---|---|---|---|---|---|
| BBVA | ChatGPT Enterprise, BBVA Assistants and The Eight[15][46][47][2][48][49][50][51] | 17, incl. Carlos Torres Vila (Chair)[46][51] | Employees using ChatGPT Enterprise: About 100,000 (70%-plus weekly active; about 3 hours saved per employee per week) (Jun 11, 2026)[2] | 1 patent listed on the profile, e.g. EP 3970062 A1 (Method and system for obtaining financial information about an object from a photograph, using machine learning)[63] | Not surveyed |
| Banco Santander | Group Data & AI function inside ONE Transformation, with a multi-provider model stack[4][58][59] | 12, incl. Ana Botín (Group Executive Chair)[22][64] | Split of the 2028 AI target as reported by Bloomberg: about EUR 300m of revenue and about EUR 700m of cost cuts (Feb 25, 2026)[64] | Not disclosed | Not surveyed |
| ING Groep N.V. | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee[60][61][62] | 12, incl. Steven van Rijswijk (Chief Executive Officer, ING Groep)[61][65][66] | (Gen)AI pilots moved into production: More than 90% (Mar 18, 2026)[67] | Not disclosed | Not surveyed |
| BNP Paribas SA | LLM as a Service, with Mistral AI and Google Cloud[53][54][55][56][57] | 8, incl. Jean-Laurent Bonnafé (Chief Executive Officer)[68][69][70] | AI use cases already in place: More than 800 (Oct 5, 2026)[7] | Not disclosed | Not surveyed |
| Société Générale | Microsoft Copilot (replacing the in-house SoGPT) and the Anthropic Claude agreement[5][52][23] | 12, incl. Slawomir Krupa (Group Chief Executive Officer)[23][71] | AI cost-savings opportunity in the 2029 plan: EUR 500m to EUR 600m, of which about EUR 350m already identified by 2029 (Sep 21, 2026)[23][52] | Not disclosed | Not surveyed |
| Deutsche Bank | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud[38][39][40][41][42][43][44][45] | 19, incl. Christian Sewing (Chief Executive Officer)[72][73] | Private Bank AI-enabled operating model, run-rate savings by 2028 / cumulative technology spend: €300m / about €600m (Nov 17, 2025)[74] | Not disclosed | Not surveyed |
| Commonwealth Bank of Australia | AI Factory, Customer Engagement Engine and CommBank Companion[27][28][29][30][31] | 16, incl. Matt Comyn (Chief Executive Officer)[75][31][29] | Measured gross benefits from AI use cases (including reinvested capacity): about A$200 million in FY26, of which about A$100 million incremental in-year; expected to double in FY27 and exceed investment (Jun 30, 2026)[25] | 1 patent listed on the profile, e.g. US 2025/0307709 A1 (Vector embedder for non-natural language data)[76] | 9 open AI roles (Oct 5, 2026); most in ML & data science |
| Lloyds Banking Group | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform[21][35][36][37] | 16, incl. Charlie Nunn (Group Chief Executive)[26][77][78] | Value delivered by generative AI in 2025: About £50 million (more than 50 solutions deployed) (Dec 31, 2025)[11][79] | 1 patent listed on the profile, e.g. US 12,095,784 B2 (Methods and systems for indicating the possibility of a cyber-attack on a computer network)[80][81] | 5 open AI roles (Oct 5, 2026); most in ML & data science |
| DBS Group Holdings | ADA, DBS-GPT and the agent control plane[12][32][33][34] | 11, incl. Tan Su Shan (Chief Executive Officer)[12][82][83] | Economic value of data analytics and AI/ML, 2025: Approximately SGD 1 billion (Dec 31, 2025)[12] | 1 patent listed on the profile, e.g. US 2026/0170560 A1 (Systems, processors, and methods for managing user financial information)[84] | Not surveyed |
What are the latest dated moves on the AI record of BBVA and its peers?
The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.
| Date | Bank | Move |
|---|---|---|
| Oct 14, 2026 | Commonwealth Bank | AGM: Comyn calls for AI regulation to keep pace[85][86] |
| Oct 13, 2026 | Deutsche Bank | Farsight deployed on-premise in investment banking and capital markets[87] |
| Oct 13, 2026 | BBVA | First European bank to join the Poppy agent protocol[88] |
| Oct 12, 2026 | DBS | Tan at DBS Asia Future Forward: 'AI lipstick' and SGD 25 billion of AI financing[89][90] |
| Oct 9, 2026 | BBVA | Algorithmic trading: models plus generative agents on the desk[91] |
| Oct 8, 2026 | Société Générale | BlueMatrix agrees to buy Aiera[92][93] |
| Oct 6, 2026 | Lloyds | Evident AI index 2026: 15th again[94] |
| Oct 6, 2026 | Commonwealth Bank | 2026 Evident AI Index keeps CBA fourth globally[13] |
| Sep 30, 2026 | Société Générale | Group CDO on agentic payments at Sibos 2026[95][96] |
| Sep 24, 2026 | BNP Paribas | Five-year Google Cloud partnership for agentic AI[55][57] |
| Sep 23, 2026 | Deutsche Bank | CFO: Postbank AI tool to scale to the Deutsche Bank brand[97] |
| Sep 23, 2026 | ING | CEO at the BofA conference: 600 AI staff, Google as main partner[61][66] |
| Sep 23, 2026 | Santander | Santander AI Lab releases the A2K protocol suite[98] |
| Sep 22, 2026 | BNP Paribas | Strategy update ties AI to support-function efficiency[99] |
| Sep 22, 2026 | ING | Six banks publish principles for agentic commerce[100][101] |
| Aug 27, 2026 | DBS | DBS and Stripe partner on agentic commerce[102] |
| Aug 20, 2026 | Lloyds | £100 million future-skills investment[103] |
| Jul 30, 2026 | Santander | One evaluation framework for AI products across their life[104] |
How do BBVA's AI programme and its eurozone rivals' compare?
Each bank's own figures. Use-case counts and adoption measures are defined differently from bank to bank.
| Bank | Main platforms and partners | Scale as disclosed | Value as disclosed |
|---|---|---|---|
| BBVA | ChatGPT Enterprise (OpenAI alliance), Gemini, 'The Eight' agents, 'The Frame' | About 100,000 ChatGPT users; 1,127 use cases in production | Not disclosed in euros; about 2.4 hours a week saved per regular user[2][6][8] |
| Santander | Microsoft Copilot, ChatGPT, Claude, Gemini; Data & AI function of 4,500-plus people | AI access for all 185,000 employees; more than 280 process-automation agents | €84 million in H1 2026; more than €1 billion a year targeted by 2028[4][10][22] |
| BNP Paribas | LLM as a Service with Mistral AI and Google Cloud; 'My companion' | More than 800 use cases; 100,000 onboarded to My companion | About €600 million to date; €750 million targeted by end-2026[53][7][56][9] |
| Société Générale | Microsoft Copilot (replacing SoGPT); Anthropic Claude agreement | Around 700 data and AI use cases (2024) | €500 million to €600 million cost-savings opportunity in the 2029 plan[5][52][105][23] |
| Deutsche Bank | dbLumina on Google Cloud; GitHub Copilot and Gemini Code Assist | More than 15,000 developers with AI coding assistants; dbLumina for over half of employees | €300 million run-rate savings targeted in the Private Bank by 2028[38][41][74] |
| ING | Central AI platform on Google Cloud | More than 100 AI initiatives in 12 themes; over 90% of (Gen)AI pilots in production | About €350 million of incremental 2026 cost efficiencies (not AI-only)[67] |
How does BBVA's customer AI compare with its peers'?
| Bank | Assistant or agent | Reported result | As of |
|---|---|---|---|
| BBVA | Blue app assistant; voice agents; BBVA app inside ChatGPT (Italy, Germany); Garanti BBVA's Ugi | Voice agents resolve close to 90% of interactions in Peru and Mexico pilots; Ugi about 6.4 million interactions a month | May-October 2026[8][106][107] |
| BNP Paribas | HelloïZ virtual assistant at Hello bank! | More than one million clients since January 2026 | May 26, 2026[54] |
| ING | Customer chatbot | 75% of chats handled without human support at year-end 2025 | December 31, 2025[60] |
| Société Générale | AI assistants for incoming calls | 40% of incoming calls covered 24/7 by AI assistants (target) | September 21, 2026[52] |
| Commonwealth Bank of Australia | CommBank Companion | One third of customers given access | August 2026[25] |
| DBS | DBS Joy and digibot | More than 10 million customers reached | July 27, 2026[108] |
How does BBVA's use of AI in software development compare with its peers'?
| Bank | Scale | Reported effect | As of |
|---|---|---|---|
| BBVA | Developers using AI agents | Developer productivity up around 28%; 50% time savings in software development and testing (CEO) | June-October 2026[8][109] |
| Santander | 17,000 people using agentic AI in software development | 40% of code developed by AI | June 2026[4] |
| Société Générale | Anthropic Claude coding tools | More than 30% coding-cost reduction targeted | September 21, 2026[52] |
| Deutsche Bank | More than 15,000 developers | 1.5 to 2.5 hours saved a week | July 14, 2026[38][41] |
| Commonwealth Bank of Australia | Over 80% of 7,800 engineers on AI coding agents | Three times more code changes | September 18, 2026[110] |
How do BBVA and Santander compare on payments made by AI agents?
The two Spanish rivals have raced to put AI agents into the card payment path. Santander and Mastercard completed what they called Europe's first live end-to-end payment by an AI agent on March 2, 2026, followed by controlled Visa Intelligent Commerce purchases in five Latin American markets on March 12 and Getnet infrastructure for merchants to accept agent-initiated payments in June. BBVA completed its first AI-agent-initiated card payment with Visa in Spain on July 2, 2026, with real card credentials.[111][112][113][114]
On standards, BBVA became the first European bank to join Poppy, the draft Personal Agent Protocol led by Sierra AI and Meta, on October 13, 2026, so that customer-authorised AI agents can deal with businesses. ING co-authored principles for agentic commerce with Bank of America, Commonwealth Bank of Australia, NatWest and others in September 2026; BBVA was the first bank to offer Apple Intelligence card personalisation in Spain (October 2025).[88][100][115]
Which banks are BBVA's peers, and why these?
BBVA is compared here with Banco Santander, ING Groep N.V., BNP Paribas SA, Société Générale, Deutsche Bank, Commonwealth Bank of Australia, Lloyds Banking Group and DBS Group Holdings: chosen by the editors for this page (see the note below the table). BBVA is classed as a regional or retail-commercial bank headquartered in Spain.
The computed group left out Santander, which BBVA's 20-F names as a main competitor in both Spain and Mexico, so this page compares BBVA first with the eurozone universal and retail banks it is measured against (Santander, ING, BNP Paribas, Société Générale, Deutsche Bank) and keeps three retail-led groups that publish detailed AI programmes (Commonwealth Bank of Australia, Lloyds, DBS).
Is BBVA better than Santander at AI?
The record cannot settle capability. On disclosure, BBVA scores 77.2 on this site's index against Santander's 71.3, and Evident ranks BBVA first among eurozone banks. Santander publishes a euro value (€84 million in the first half of 2026, more than €1 billion a year targeted by 2028); BBVA publishes adoption and time savings instead.[1][10][22][8]
Which European bank works most closely with OpenAI?
BBVA has the deepest public relationship: a multi-year alliance covering all 120,000 employees, about 100,000 active ChatGPT Enterprise users, a founding stake in OpenAI's Deployment Company and early access to its cyber-defence models. NatWest was the first UK bank to collaborate with OpenAI (March 2025).[46][2][3][116][16]
How does BBVA's AI compare with BNP Paribas'?
BBVA scores 77.2 on this site's index and BNP Paribas 72. BBVA reports 1,127 use cases in production and about 100,000 ChatGPT Enterprise users; BNP Paribas reports more than 800 use cases, an LLM-as-a-Service platform built around Mistral AI and about €600 million of AI value to date.[6][2][7][53][9]
How many BBVA employees use AI?
OpenAI's June 2026 case study reports about 100,000 BBVA employees on ChatGPT Enterprise with 70%-plus weekly activity; BBVA said in October 2026 that 75% use generative AI on a recurring basis, saving about 2.4 hours a week. Santander opened AI access to all 185,000 employees in June 2026.[2][1][4]
Where does BBVA rank on AI among European banks?
Evident's October 2026 AI Index ranks BBVA first among eurozone banks, third in Europe and fourth on leadership. On this site's index, BBVA (77.2) is ahead of Société Générale, BNP Paribas, Santander and ING, and behind Deutsche Bank (78.9) and Lloyds (83.6).[1]
Which Spanish bank was first with AI-agent payments, BBVA or Santander?
Santander: it completed what it called Europe's first live end-to-end payment by an AI agent, with Mastercard Agent Pay, on March 2, 2026. BBVA completed its first AI-agent-initiated card payment with Visa in Spain on July 2, 2026, and in October joined the Poppy agent protocol as its first European bank partner.[111][114][88]
Does BBVA use Google as well as OpenAI?
Yes. BBVA rolled out Google Workspace with Gemini, the Gemini app and NotebookLM to its workforce from July 2025, and lists OpenAI, Google, Microsoft and AWS as technology and AI partners while aiming to preserve technological independence. Deutsche Bank and ING build mainly on Google Cloud.[47][1][38][67]
- BBVA ranks first among eurozone banks for its AI strategy, according to Evident
- BBVA puts AI at the core of banking with OpenAI
- BBVA joins OpenAI's new company to accelerate AI enterprise transformation
- Santander turns its AI-first strategy into measurable impact and extends AI access to all 185,000 employees
- SocGen Turns to Microsoft's Copilot After Scrapping Own AI Tool
- Artificial Intelligence | BBVA (undated page, retrieved 2026-10-05)
- Tech & Artificial Intelligence FAQ (undated page, retrieved 2026-10-05)
- BBVA creates a model to scale AI across the Group and drive its customer-centric transformation
- Earnings call transcript: BNP Paribas Q4 2025 earnings beat expectations
- Santander adds 12 million customers as underlying profit rises 15% to €7.3 billion in the first half
- Lloyds Banking Group expects over £100 million in value from next-generation AI in 2026
- Annual Report 2025
- Commonwealth Bank recognised as Asia-Pacific's leading AI bank
- BBVA expands its agreement with OpenAI to 11,000 ChatGPT licences for the bank's employees
- BBVA and OpenAI collaborate to transform global banking
- NatWest & OpenAI collaborate to accelerate cutting-edge AI transformation in support of bank-wide simplification and enhanced customer experience
- BNP Paribas and Mistral AI sign a partnership agreement covering all Mistral AI models
- UBS only European bank in top 10 of AI adoption as JPMorgan Chase leads
- BBVA drives AI adoption through talent
- Societe Generale shares its strategy for integrating generative AI into the financial sector
- Lloyds Banking Group unveils Envoy - a new platform for building AI agents safely at scale
- 2026 Santander Investor Day
- Societe Generale presents an ambitious strategic roadmap supported by disciplined execution
- DBS named World's Best AI Bank
- CBA 2026 Full Year Results Presentation
- Lloyds Banking Group plc 2026 Half-Year Results (news release)
- 2026 Annual Report
- CommBank and AWS expand collaboration to deliver global best cloud and AI capabilities, enabling idea to production in six weeks
- Commonwealth Bank of Australia builds AI fluency at scale
- Reimagining banking with CommBank Companion
- CBA 2026 Full Year Results Transcript
- CEO Tan Su Shan on how agentic AI is transforming the bank
- DBS holds off on letting AI agents run on their own as controls lag capability (undated page, retrieved 2026-10-05)
- Edited transcript of DBS second-quarter 2026 media briefing, 6 August 2026
- Lloyds Banking Group deploys agentic AI to strengthen real-time fraud protection
- Lloyds Banking Group one of the first UK organisations to deploy Microsoft 365: The Frontier Suite
- Lloyds Banking Group: Improving customer experience with machine learning (undated page, retrieved 2026-10-05)
- Technology Transformation (undated page, retrieved 2026-10-05)
- Deutsche Bank's AI says it's coming for finance jobs
- Putting agentic AI to work in third party risk management
- How AI is reshaping the software behind everyday banking
- Deutsche Bank estimates 30% uplift in client onboarding by deploying KYC AI
- In the Clouds with... Deutsche Bank's Christian Rhino, CIO for private banking.
- Google Cloud launches AI platform for financial professionals
- Deutsche Bank Expands AI Capabilities With Google Cloud's Gemini Enterprise
- BBVA and OpenAI Seal a Strategic Alliance to Redefine Banking with Artificial Intelligence
- BBVA deepens partnership with Google Cloud to innovate with AI
- BBVA call centre staff develop and deploy AI agents to speed up response times
- BBVA develops a new technology architecture with AWS to accelerate its AI solutions
- BBVA deploys 'The Eight,' its strategy to transform the financial experience with AI
- BBVA Accelerates Its Artificial Intelligence Strategy With A Global Area: AI Transformation
- Capital Markets Day 2026 – Presentation
- BNP Paribas provides its businesses with an LLM as a Service platform to accelerate the industrialization of generative AI use cases.
- BNP Paribas and Mistral AI extend their partnership to support the next phase of generative AI deployment within the Group
- BNP Paribas and Google Cloud Announce New Partnership on Agentic AI and Cloud Innovation
- Second Quarter 2026 Results presentation (23 July 2026)
- BNP Paribas forges agentic AI partnership with Google Cloud
- 2025 Annual report
- Driving our transformation with the creation of the Global Data & AI function
- ING Groep N.V. Annual Report on Form 20-F for the fiscal year ended December 31, 2025
- ING at Bank of America 31th Annual Financials CEO Conference: growth lifts targets
- Interview: How ING reaps benefits of centralising AI (undated page, retrieved 2026-10-05)
- EP3970062A1: Method and system for obtaining information about an object based on a photograph thereof
- Santander's Botin Sees €1 Billion AI Boost Amid Efficiency Push
- Earnings call transcript: ING beats Q2 2026 forecasts and lifts outlook
- ING Group Raises 2027 ROE Target Above 16% as Revenue, AI Drive Growth
- Driving value through digitalisation, scalability and (Gen)AI (Morgan Stanley European Financials Conference 2026 presentation)
- BNP Paribas vows more cost cuts as profit tops forecast
- BNP Paribas Set to Roll Out AI Companion for All Staff
- Earnings call transcript: BNP Paribas posts strong Q2 2026 growth
- Société Générale at Bank of America 31th Annual Financials CEO Conference: disciplined growth
- IDD 2025 - Prepared Remarks - Scaling The Global Hausbank - Christian Sewing
- Speech by Christian Sewing at the Annual General Meeting 2026
- Investor Deep Dive 2025: Private Bank presentation (Claudio de Sanctis)
- CommBank releases Australian-first report outlining how it is adopting AI
- US20250307709A1 - Vector embedder for non-natural language data
- Lloyds boss warns bankers must 'reskill themselves' to survive AI boom
- AI will support all Lloyds Bank customer interactions by 2030 (undated page, retrieved 2026-10-05)
- Lloyds Expects £100 Million Boost from AI Spend in 2026
- US12095784B2 - Methods and systems for indicating the possibility of a cyber-attack on a computer network
- Lloyds Banking Group secures patent for cybersecurity innovation
- CEO of Southeast Asia's largest bank says AI adoption already paying off: 'It's not hope, it's now'
- DBS Group CEO Tan Su Shan Leads Southeast Asia's Largest Bank Into The AI Era
- US 2026/0170560 A1: Systems, processors, and methods for managing user financial information
- 2026 Commonwealth Bank AGM: CEO's address
- 2026 Commonwealth Bank AGM: Chair's address
- Deutsche Bank Deploys Farsight On-Premise Across Investment Banking and Capital Markets in Europe and the Americas
- BBVA will help design a common protocol led by Sierra AI and Meta to connect AI agents with businesses
- Human judgment and intentional outcomes are vital in AI use: DBS, TikTok CEOs say
- 'The market has spoken': DBS CEO Tan Su Shan says market is repricing AI financing risks
- The Algorithmic Trader: How AI Is Redefining the Trading Desk
- Thoma Bravo-backed BlueMatrix to Acquire Aiera, Advancing Governed AI Distribution for Investment Research
- Universal Registration Document 2026 – D.26-0091 – 13 March 2026
- UBS only European bank in top 10 of AI adoption as JPMorgan Chase leads
- Sibos 2026: Agentic payments take centre stage on day three
- SIBOS 2026
- Deutsche Bank Targets 13%+ 2028 Returns as Wealth, Corporate Bank Gain Momentum
- A2K: a new protocol suite for connecting AI agents to governed, auditable enterprise knowledge
- BNP Paribas leverages its leading franchises to advance a compelling growth trajectory through Europe's major transformations
- Building Trust in Agentic Commerce: Customer-centric principles for a trusted and thriving ecosystem
- Banks Call for Audit Trail From AI Shopping Instructions to Payment Outcome
- DBS and Stripe partner to accelerate the digital and AI-powered economy in Asia
- Lloyds Banking Group to invest £100 million in future skills as it expands support for young people
- When speed meets quality: How we make AI products measurable at Santander
- Applying data and AI: Societe Generale flagship use cases (February 2025)
- Garanti BBVA's smart assistant Ugi turns 10: AI transforming banking
- BBVA creates conversational app built into ChatGPT
- DBS' Gen AI-enabled virtual assistants reach 10 million customers and go agentic
- Onur Genç: "AI Will Transform Banking for the Better, the Key Lies in Scaling Its Benefits Across the Organization"
- Interview: CBA AI chief on scaling A$400m in AI value with humans in loop
- Santander and Mastercard complete Europe's first live end-to-end payment executed by an AI agent
- Santander and Visa Deliver Latin America's First End-to-End Payments Powered by AI Agents
- Getnet develops infrastructure that enables businesses to accept AI agent-initiated payments
- BBVA Completes Its First AI Agent-Initiated Transaction Together with Visa
- BBVA, the first bank to enable Apple Intelligence-powered card personalization directly from its app
- OpenAI gives European companies access to its latest models to bolster resilience
When BBVA or its peers move on AI, you'll read it here first.
when one of the banks we cover moves on AI, it is in the next morning's brief · six sourced stories · 7 am PT · free
plus every regulation, bank and agent page update, the morning after · leave any morning