# Commonwealth Bank of Australia vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/commonwealth-bank/vs-peers
Last updated: Oct 20, 2026

*Part of the [Commonwealth Bank of Australia AI strategy profile](https://www.bankingnewsai.com/banks/commonwealth-bank). Peer group: BBVA, ING Groep N.V., Lloyds Banking Group, NatWest Group plc, DBS Group Holdings, Oversea-Chinese Banking Corporation, The Toronto-Dominion Bank (TD Bank Group), Bank of Montreal (BMO Financial Group).*

## How does Commonwealth Bank of Australia compare with its peers on AI and technology?

Commonwealth Bank of Australia scores 88.2 on this site's global AI disclosure index, #7 of 140 banks and first in its nine-bank peer group of retail-led groups, ahead of DBS (85.5), Lloyds (83.6), BBVA (77.2), TD (75.3), NatWest (75.1), OCBC (73.4), BMO (73.2) and ING (65.2). The score measures what is on the record, not capability; Evident's 2026 AI Index agrees on rank, keeping CBA fourth of 50 banks worldwide and the only Asia-Pacific bank in its top 10. Three things separate CBA from named peers. First, frontier-lab ties on the balance sheet: its Anthropic stake was carried at A$1,527 million at June 30, 2026, beside a multi-year OpenAI partnership that put ChatGPT Enterprise in front of nearly 50,000 staff; BBVA's OpenAI alliance extends ChatGPT Enterprise to 120,000 employees. Second, production depth: CBA leads the group on use cases in production and described, runs more than 2,000 real-time models in its Customer Engagement Engine, and says an agentic fraud system has contributed to three quarters of its card fraud rules. Third, measured money: about A$200 million of gross AI benefits in FY26, expected to double in FY27. Where CBA trails: DBS reports a larger figure, about SGD 1 billion of AI value in 2025; DBS has more independent coverage on the record; CBA ranks eighth of nine on disclosed numbers; and its AI job moves have been contested, with 45 voice-bot-linked cuts reversed in August 2025 after the bank called its assessment an error. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/04/ai-agent-spots-fraud-in-real-time.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf), [DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf), [Reuters](https://reuters.com/business/world-at-work/australian-lender-cba-cut-45-jobs-ai-shift-draws-union-backlash-2025-07-29), [Finextra](https://www.finextra.com/newsarticle/46482/commbank-reverses-plan-to-replace-call-centre-staff-with-ai))

## Where does Commonwealth Bank lead its peers on AI?

- **The only Asia-Pacific bank in Evident's top 10.** Evident's 2026 AI Index, published October 6, 2026, kept CBA fourth globally and first in Asia-Pacific, citing the second-highest AI talent density in the index. In the same index TD placed 10th and BMO 20th; Lloyds says it ranked 15th in the 2025 edition. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html), [Financial Post](https://financialpost.com/technology/td-ai-top-10-global-bank-index), [BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1), [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/event-presentations-webcasts/2025/2025nov6-lbg-digital-ai-presentation-transcript.pdf))
- **An equity stake in a frontier lab.** CBA's 2026 annual report carries its unlisted Anthropic investment at A$1,527 million at June 30, 2026, up from A$153 million a year earlier, alongside an OpenAI partnership signed August 13, 2025. BBVA's OpenAI alliance (December 2025) extends ChatGPT Enterprise to 120,000 staff; DBS says it is model-agnostic and avoids reliance on any one provider. ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://www.commbank.com.au/articles/newsroom/2025/08/tech-ai-partnership.html), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [DBS Group Holdings](https://www.dbs.com/iwov-resources/images/investors/quarterly-financials/2026/2Q26_media_transcript.pdf))
- **AI in fraud with a measured outcome.** CBA says customer fraud losses fell by over 20% in the first half of FY26 against a year earlier, and its agentic system has contributed to three quarters of card fraud rules. NatWest's Fraud Triage Agent had held nearly 19,000 conversations by September 2026; BMO reports about 10% fewer false AML alerts. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/04/ai-agent-spots-fraud-in-real-time.html), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [Financial Post via Yahoo Finance Canada](https://finance.yahoo.com/news/bmo-aims-increase-business-u-200703810.html))
- **Formal AI leadership with a research arm.** CBA appointed Ranil Boteju, formerly Lloyds' chief data and analytics officer, as Chief AI Officer from early 2026 and named its first Chief AI Scientist in May 2026. Lloyds hired DBS's chief analytics officer Sameer Gupta as chief data and AI officer in April 2026, and BMO names a Chief AI and Quantum Officer. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/11/ranil-boteju-chief-ai-officer.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commonwealth-bank-appoints-first-chief-ai-scientist.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/sameer-gupta-chief-data-ai-officer.html), [BMO Financial Group](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum))

## Where does Commonwealth Bank trail its peers on AI?

- **A smaller disclosed AI value than DBS.** CBA reports about A$200 million of measured gross AI benefits in FY26, including reinvested capacity. DBS reports about SGD 1 billion of AI economic value in 2025 from more than 2,000 models; TD reports C$195 million in the first three quarters of fiscal 2026. Definitions differ, so the figures are not like for like. ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf), [DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf), [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/))
- **Less independent coverage than DBS and TD.** CBA ranks fourth of nine on independent sources in this site's index, behind DBS, which leads the group, and ranks eighth of nine on disclosed numbers, where BBVA leads. DBS also carries outside awards such as Global Finance's World's Best AI Bank (October 2025). ([DBS Group Holdings](https://dbs.com/newsroom/DBS_named_Worlds_Best_AI_Bank_HK_EN))
- **Contested AI job decisions.** Reuters reported in July 2025 that CBA would cut 45 customer-service jobs after a voice bot launch; the bank reversed the cuts in August, saying its assessment had been an error. Later rounds of 300 roles (February 2026) and about 120 roles (April 2026) were reported alongside the AI push. DBS framed its own reduction of about 4,000 contract roles as attrition, with permanent staff unaffected. ([Reuters](https://reuters.com/business/world-at-work/australian-lender-cba-cut-45-jobs-ai-shift-draws-union-backlash-2025-07-29), [Finextra](https://www.finextra.com/newsarticle/46482/commbank-reverses-plan-to-replace-call-centre-staff-with-ai), [The Sydney Morning Herald](https://smh.com.au/business/companies/cba-cuts-300-jobs-as-it-prepares-workers-for-an-ai-driven-shift-20260223-p5o4k5.html), [Bloomberg](https://bloomberg.com/news/articles/2026-04-23/australia-s-biggest-bank-to-cut-120-more-jobs-amid-ai-push), [The Business Times](https://businesstimes.com.sg/companies-markets/banking-finance/dbs-ceo-piyush-gupta-sees-job-cuts-4000-temp-staff-ai-replaces-roles))

## Where does Commonwealth Bank 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 (this page)](https://www.bankingnewsai.com/banks/commonwealth-bank) | 88.2 | #7 of 140 | [20](https://www.bankingnewsai.com/banks/commonwealth-bank#sources) | [28](https://www.bankingnewsai.com/banks/commonwealth-bank#sources) | [16 of 20](https://www.bankingnewsai.com/banks/commonwealth-bank#where) | [25](https://www.bankingnewsai.com/banks/commonwealth-bank#timeline) | AI Factory, Customer Engagement Engine and CommBank Companion ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf)) |
| [DBS Group Holdings](https://www.bankingnewsai.com/banks/dbs) | 85.5 | #10 of 140 | [29](https://www.bankingnewsai.com/banks/dbs#sources) | [17](https://www.bankingnewsai.com/banks/dbs#sources) | [11 of 17](https://www.bankingnewsai.com/banks/dbs#where) | [26](https://www.bankingnewsai.com/banks/dbs#timeline) | ADA, DBS-GPT and the agent control plane ([DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf), [DBS Group Holdings (reprint of a Business Times interview)](https://dbs.com/media/features/ceo-tan-shu-shan-on-how-agentic-ai-is-transforming-the-bank.page), [Computer Weekly](https://computerweekly.com/news/366646190/DBS-holds-off-on-letting-AI-agents-run-on-their-own-as-controls-lag-capability), [DBS Group Holdings](https://www.dbs.com/iwov-resources/images/investors/quarterly-financials/2026/2Q26_media_transcript.pdf)) |
| [Lloyds Banking Group](https://www.bankingnewsai.com/banks/lloyds) | 83.6 | #13 of 140 | [20](https://www.bankingnewsai.com/banks/lloyds#sources) | [22](https://www.bankingnewsai.com/banks/lloyds#sources) | [11 of 19](https://www.bankingnewsai.com/banks/lloyds#where) | [23](https://www.bankingnewsai.com/banks/lloyds#timeline) | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf), [Google Cloud](https://cloud.google.com/customers/lloydsbankinggroup)) |
| [BBVA](https://www.bankingnewsai.com/banks/bbva) | 77.2 | #27 of 140 | [11](https://www.bankingnewsai.com/banks/bbva#sources) | [45](https://www.bankingnewsai.com/banks/bbva#sources) | [12 of 19](https://www.bankingnewsai.com/banks/bbva#where) | [30](https://www.bankingnewsai.com/banks/bbva#timeline) | ChatGPT Enterprise, BBVA Assistants and The Eight ([OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai), [OpenAI](https://openai.com/index/bbva/), [Finextra](https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times), [BBVA](https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions), [BBVA](https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation)) |
| [The Toronto-Dominion Bank (TD Bank Group)](https://www.bankingnewsai.com/banks/td-bank-group) | 75.3 | #34 of 140 | [23](https://www.bankingnewsai.com/banks/td-bank-group#sources) | [17](https://www.bankingnewsai.com/banks/td-bank-group#sources) | [8 of 15](https://www.bankingnewsai.com/banks/td-bank-group#where) | [18](https://www.bankingnewsai.com/banks/td-bank-group#timeline) | Layer 6, TD AI Prism and the agentic RESL model ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking), [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q3-2026-earnings-132153119.html), [Motley Fool (The Globe and Mail)](https://theglobeandmail.com/investing/markets/stocks/TD/pressreleases/2205931/td-td-q2-2026-earnings-call-transcript)) |
| [NatWest Group plc](https://www.bankingnewsai.com/banks/natwest) | 75.1 | #35 of 140 | [18](https://www.bankingnewsai.com/banks/natwest#sources) | [19](https://www.bankingnewsai.com/banks/natwest#sources) | [11 of 19](https://www.bankingnewsai.com/banks/natwest#where) | [20](https://www.bankingnewsai.com/banks/natwest#timeline) | Cora and the internal GenAI stack ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/ai-and-data/2025/mar/natwest-open-ai-collaborate-to-accelerate-cutting-edge-ai-transf.html), [NatWest Group](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2025/apr/deploying-new-generative-ai-technology-to-support-our-colleagues.html), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf)) |
| [Oversea-Chinese Banking Corporation](https://www.bankingnewsai.com/banks/ocbc) | 73.4 | #37 of 140 | [22](https://www.bankingnewsai.com/banks/ocbc#sources) | [9](https://www.bankingnewsai.com/banks/ocbc#sources) | [11 of 14](https://www.bankingnewsai.com/banks/ocbc#where) | [18](https://www.bankingnewsai.com/banks/ocbc#timeline) | OCBC GPT, HELIOS and OCBC WoW ([Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2023/ocbc-is-first-singapore-bank-to-roll-out-generative-ai-chatbot-to-all-employees-globally), [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-harnesses-agentic-ai-to-quicken-onboarding-customers), [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-unveils-avatar-banking.page), [Computer Weekly](https://computerweekly.com/news/366645069/OCBC-rolls-out-AI-avatars-for-wealth-management), [Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository)](https://vpr.hkma.gov.hk/statics/assets/doc/100020/ar_25/ar_25_eng.pdf)) |
| [Bank of Montreal (BMO Financial Group)](https://www.bankingnewsai.com/banks/bmo-group) | 73.2 | #38 of 140 | [10](https://www.bankingnewsai.com/banks/bmo-group#sources) | [28](https://www.bankingnewsai.com/banks/bmo-group#sources) | [12 of 17](https://www.bankingnewsai.com/banks/bmo-group#where) | [28](https://www.bankingnewsai.com/banks/bmo-group#timeline) | BMO Institute for Applied AI & Quantum, Lumi and Aura ([BMO Financial Group](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [BMO Financial Group](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo/), [BMO Financial Group (BMO AI Hub)](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bmo-bmo-q3-2026-earnings-174320317.html), [The Globe and Mail (Canadian Press)](https://theglobeandmail.com/business/article-artificial-intelligence-literacy-tech-finance-employers), [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312525307982/d938207dex992.htm)) |
| [ING Groep N.V.](https://www.bankingnewsai.com/banks/ing) | 65.2 | #53 of 140 | [15](https://www.bankingnewsai.com/banks/ing#sources) | [17](https://www.bankingnewsai.com/banks/ing#sources) | [10 of 16](https://www.bankingnewsai.com/banks/ing#where) | [14](https://www.bankingnewsai.com/banks/ing#timeline) | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee ([ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Computer Weekly](https://www.computerweekly.com/news/366637057/Interview-How-ING-reaps-benefits-of-centralising-AI)) |

## On which parts of the AI record is Commonwealth Bank ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Commonwealth Bank and the 8 peers that are scored on the same basis. "Place" is Commonwealth Bank's position in the group of 9 (1st = most).

| Component (weight) | Commonwealth Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 20 | 19 | [DBS (29)](https://www.bankingnewsai.com/banks/dbs) | 4th of 9 |
| Use cases in production (10%) | 16 | 11 | [Commonwealth Bank (16)](https://www.bankingnewsai.com/banks/commonwealth-bank) | 1st of 9 |
| Own primary disclosures (10%) | 28 | 18 | [BBVA (45)](https://www.bankingnewsai.com/banks/bbva) | 2nd of 9 |
| Dated moves, last 12 months (10%) | 25 | 21.5 | [BBVA (30)](https://www.bankingnewsai.com/banks/bbva) | 4th of 9 |
| Disclosed numbers (5%) | 20 | 22 | [BBVA (25)](https://www.bankingnewsai.com/banks/bbva) | 8th of 9 |
| Named AI leaders (5%) | 16 | 16 | [TD Bank Group (19)](https://www.bankingnewsai.com/banks/td-bank-group) | 3rd of 9 |
| Use cases described (5%) | 20 | 17 | [Commonwealth Bank (20)](https://www.bankingnewsai.com/banks/commonwealth-bank) | 1st of 9 |

## What has each bank in Commonwealth Bank'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 |
| --- | --- | --- | --- | --- | --- |
| [Commonwealth Bank of Australia](https://www.bankingnewsai.com/banks/commonwealth-bank) | AI Factory, Customer Engagement Engine and CommBank Companion ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf)) | [16, incl. Matt Comyn (Chief Executive Officer)](https://www.bankingnewsai.com/banks/commonwealth-bank#people) ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia)) | 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) ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf)) | 1 patent listed on the profile, e.g. US 2025/0307709 A1 (Vector embedder for non-natural language data) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250307709A1/en)) | [9 open AI roles (Oct 5, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/commonwealth-bank#roles) |
| [BBVA](https://www.bankingnewsai.com/banks/bbva) | ChatGPT Enterprise, BBVA Assistants and The Eight ([OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai), [OpenAI](https://openai.com/index/bbva/), [Finextra](https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times), [BBVA](https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions), [BBVA](https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation)) | [17, incl. Carlos Torres Vila (Chair)](https://www.bankingnewsai.com/banks/bbva#people) ([BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation)) | Employees using ChatGPT Enterprise: About 100,000 (70%-plus weekly active; about 3 hours saved per employee per week) (Jun 11, 2026) ([OpenAI](https://openai.com/index/bbva/)) | 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) ([Google Patents (EPO)](https://patents.google.com/patent/EP3970062A1/en)) | Not surveyed |
| [ING Groep N.V.](https://www.bankingnewsai.com/banks/ing) | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee ([ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Computer Weekly](https://www.computerweekly.com/news/366637057/Interview-How-ING-reaps-benefits-of-centralising-AI)) | [12, incl. Steven van Rijswijk (Chief Executive Officer, ING Groep)](https://www.bankingnewsai.com/banks/ing#people) ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Investing.com](https://in.investing.com/news/transcripts/earnings-call-transcript-ing-beats-q2-2026-forecasts-and-lifts-outlook-93CH-5522738), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/ing-group-raises-2027-roe-010217370.html)) | (Gen)AI pilots moved into production: More than 90% (Mar 18, 2026) ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf)) | Not disclosed | Not surveyed |
| [Lloyds Banking Group](https://www.bankingnewsai.com/banks/lloyds) | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf), [Google Cloud](https://cloud.google.com/customers/lloydsbankinggroup)) | [16, incl. Charlie Nunn (Group Chief Executive)](https://www.bankingnewsai.com/banks/lloyds#people) ([Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2026/q2/2026-lbg-hy-results.pdf), [The Guardian](https://theguardian.com/business/2026/jan/29/lloyds-charlie-nunn-warns-bankers-reskill-themselves-impact-ai), [Computer Weekly](https://computerweekly.com/news/366646854/AI-will-support-all-Lloyds-Bank-customer-interactions-by-2030)) | Value delivered by generative AI in 2025: About £50 million (more than 50 solutions deployed) (Dec 31, 2025) ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html), [Bloomberg](https://bloomberg.com/news/articles/2026-01-29/lloyds-expects-100-million-boost-from-ai-spend-in-2026)) | 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) ([Google Patents (USPTO)](https://patents.google.com/patent/US12095784B2/en), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2025/lloyds-banking-group-2025/lloyds-banking-group-secures-patent-for-cybersecurity-innovation.html)) | [5 open AI roles (Oct 5, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/lloyds#roles) |
| [NatWest Group plc](https://www.bankingnewsai.com/banks/natwest) | Cora and the internal GenAI stack ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/ai-and-data/2025/mar/natwest-open-ai-collaborate-to-accelerate-cutting-edge-ai-transf.html), [NatWest Group](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2025/apr/deploying-new-generative-ai-technology-to-support-our-colleagues.html), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf)) | [9, incl. Paul Thwaite (Group Chief Executive Officer)](https://www.bankingnewsai.com/banks/natwest#people) ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf), [Finextra](https://finextra.com/newsarticle/47960/natwest-ceo-thwaite-says-ai-will-take-some-banking-jobs)) | Cora journeys enhanced with GenAI: 21 (17 added during 2025); all journeys targeted by end-2026 (Dec 31, 2025) ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf)) | Not disclosed | Not surveyed |
| [DBS Group Holdings](https://www.bankingnewsai.com/banks/dbs) | ADA, DBS-GPT and the agent control plane ([DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf), [DBS Group Holdings (reprint of a Business Times interview)](https://dbs.com/media/features/ceo-tan-shu-shan-on-how-agentic-ai-is-transforming-the-bank.page), [Computer Weekly](https://computerweekly.com/news/366646190/DBS-holds-off-on-letting-AI-agents-run-on-their-own-as-controls-lag-capability), [DBS Group Holdings](https://www.dbs.com/iwov-resources/images/investors/quarterly-financials/2026/2Q26_media_transcript.pdf)) | [11, incl. Tan Su Shan (Chief Executive Officer)](https://www.bankingnewsai.com/banks/dbs#people) ([DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf), [CNBC](https://cnbc.com/2025/11/14/ceo-southeast-asias-top-bank-dbs-says-ai-adoption-already-paying-off.html), [Forbes](https://forbes.com/sites/jessicatan/2026/08/05/dbs-group-ceo-tan-su-shan-leads-southeast-asias-largest-bank-into-the-ai-era)) | Economic value of data analytics and AI/ML, 2025: Approximately SGD 1 billion (Dec 31, 2025) ([DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf)) | 1 patent listed on the profile, e.g. US 2026/0170560 A1 (Systems, processors, and methods for managing user financial information) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260170560A1/en)) | Not surveyed |
| [Oversea-Chinese Banking Corporation](https://www.bankingnewsai.com/banks/ocbc) | OCBC GPT, HELIOS and OCBC WoW ([Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2023/ocbc-is-first-singapore-bank-to-roll-out-generative-ai-chatbot-to-all-employees-globally), [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-harnesses-agentic-ai-to-quicken-onboarding-customers), [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-unveils-avatar-banking.page), [Computer Weekly](https://computerweekly.com/news/366645069/OCBC-rolls-out-AI-avatars-for-wealth-management), [Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository)](https://vpr.hkma.gov.hk/statics/assets/doc/100020/ar_25/ar_25_eng.pdf)) | [16, incl. Tan Teck Long (Group Chief Executive Officer)](https://www.bankingnewsai.com/banks/ocbc#people) ([Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2025/ocbc-appoints-tan-teck-long-as-group-chief-executive-officer-succeeding-helen-wong.page), [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-unveils-avatar-banking.page)) | Engineers' coding and testing effort: Reduced by 20-30% (Dec 31, 2025) ([Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository)](https://vpr.hkma.gov.hk/statics/assets/doc/100020/ar_25/ar_25_eng.pdf)) | Not disclosed | Not surveyed |
| [The Toronto-Dominion Bank (TD Bank Group)](https://www.bankingnewsai.com/banks/td-bank-group) | Layer 6, TD AI Prism and the agentic RESL model ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking), [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q3-2026-earnings-132153119.html), [Motley Fool (The Globe and Mail)](https://theglobeandmail.com/investing/markets/stocks/TD/pressreleases/2205931/td-td-q2-2026-earnings-call-transcript)) | [19, incl. Raymond Chun (Group President and CEO, TD Bank Group)](https://www.bankingnewsai.com/banks/td-bank-group#people) ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q3-2026-earnings-132153119.html), [TD Bank Group](https://stories.td.com/ca/en/news/2026-09-03-td-bank-group-announces-senior-leadership-appointments-to-fu), [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/)) | Medium-term AI value target: C$1 billion a year (C$500 million revenue uplift, C$500 million cost savings) (Aug 27, 2026) ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/td-bank-ai-genai-agentic-195829)) | 10 patents listed on the profile, e.g. US 2025/0119396 A1 (Charge card knowledge chatbot using a large language model) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250119396A1/en)) | Not surveyed |
| [Bank of Montreal (BMO Financial Group)](https://www.bankingnewsai.com/banks/bmo-group) | BMO Institute for Applied AI & Quantum, Lumi and Aura ([BMO Financial Group](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [BMO Financial Group](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo/), [BMO Financial Group (BMO AI Hub)](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bmo-bmo-q3-2026-earnings-174320317.html), [The Globe and Mail (Canadian Press)](https://theglobeandmail.com/business/article-artificial-intelligence-literacy-tech-finance-employers), [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312525307982/d938207dex992.htm)) | [16, incl. Kristin Milchanowski (Chief AI & Quantum Officer)](https://www.bankingnewsai.com/banks/bmo-group#people) ([BMO Financial Group](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [American Banker](https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking), [BMO Financial Group](https://www.bmo.com/en-us/main/about-bmo/our-impact/clients/technology-innovation/return-on-intelligence/)) | Employee AI adoption: Above 96% (Apr 24, 2026) ([BMO Financial Group](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making)) | 6 patents listed on the profile, e.g. US 2026/0119566 A1 (Machine-learning database search and knowledge mining over query logs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260119566A1/en)) | Not surveyed |

## What are the latest dated moves on the AI record of Commonwealth Bank 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](https://www.bankingnewsai.com/banks/commonwealth-bank) | AGM: Comyn calls for AI regulation to keep pace ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/agm-ceo-address.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/agm-chair-address.html)) |
| Oct 13, 2026 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | Agentic AI extended to mortgage funding and discharge ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html), [Investing.com](https://investing.com/news/transcripts/td-bank-at-scotiabank-summit-profit-gains-ai-push-lift-outlook-93CH-4894177)) |
| Oct 13, 2026 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | First European bank to join the Poppy agent protocol ([BBVA](https://www.bbva.com/en/innovation/bbva-helps-design-a-common-protocol-led-by-sierra-ai-and-meta-to-connect-ai-agents-with-businesses/)) |
| Oct 12, 2026 | [DBS](https://www.bankingnewsai.com/banks/dbs) | Tan at DBS Asia Future Forward: 'AI lipstick' and SGD 25 billion of AI financing ([The Straits Times](https://straitstimes.com/business/companies-markets/human-judgment-and-intentional-outcomes-are-vital-in-ai-use-dbs-tiktok-ceos-say), [The Business Times (Bloomberg)](https://businesstimes.com.sg/startups-tech/technology/market-has-spoken-dbs-ceo-tan-su-shan-says-market-repricing-ai-financing-risks)) |
| Oct 9, 2026 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | Algorithmic trading: models plus generative agents on the desk ([BBVA](https://www.bbva.com/en/enterprises/the-algorithmic-trader-how-ai-is-redefining-the-trading-desk/)) |
| Oct 7, 2026 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | MAS issues final AI Risk Management Guidelines ([The Business Times](https://businesstimes.com.sg/singapore/economy-policy/mas-rolls-out-ai-risk-management-guidelines-singapores-financial-sector)) |
| Oct 6, 2026 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | Evident AI Index 2026: top 20 overall, #2 for reported outcomes ([BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1), [The Globe and Mail](https://www.theglobeandmail.com/business/article-banking-ai-rbc-td-cibc-bmo-scotiabank-bottom-lines-report/)) |
| Oct 6, 2026 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | Evident AI Banking Index 2026: TD returns to 10th ([Financial Post](https://financialpost.com/technology/td-ai-top-10-global-bank-index)) |
| Oct 6, 2026 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | Evident AI Index places NatWest 17th ([Euronews (via Yahoo Finance)](https://finance.yahoo.com/news/ubs-only-european-bank-top-054547373.html)) |
| Oct 6, 2026 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | Evident AI index 2026: 15th again ([Euronews via Yahoo Finance](https://finance.yahoo.com/news/ubs-only-european-bank-top-054547722.html)) |
| Oct 6, 2026 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | 2026 Evident AI Index keeps CBA fourth globally ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html)) |
| Sep 25, 2026 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | Voice-to-voice Spending Insights trial and Fraud Triage Agent ([NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [Finextra](https://www.finextra.com/newsarticle/48480/natwest-unveils-ai-powered-audio-visual-spending-insights-tool)) |
| Sep 23, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | CEO at the BofA conference: 600 AI staff, Google as main partner ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/ing-group-raises-2027-roe-010217370.html)) |
| Sep 22, 2026 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | C$1 billion a year from AI by 2030 ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html)) |
| Sep 22, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | Six banks publish principles for agentic commerce ([ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group](https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce), [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/banks-want-audit-trail-from-ai-shopping-instructions-payment-outcome)) |
| Aug 27, 2026 | [DBS](https://www.bankingnewsai.com/banks/dbs) | DBS and Stripe partner on agentic commerce ([DBS Group Holdings](https://www.dbs.com/newsroom/DBS_and_Stripe_partner_to_accelerate_the_digital_and_AI_powered_economy_in_Asia)) |
| Aug 20, 2026 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | £100 million future-skills investment ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-to-invest-100-million-in-future-skills.html)) |
| Aug 18, 2026 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | Gen AI call review and customer-service analytics ([The Straits Times](https://straitstimes.com/business/how-ocbc-is-using-data-analytics-to-speed-up-and-improve-customer-service)) |

## Which AI labs and clouds do CBA and its peers work with?

Partners named by each bank or in its own case studies. A named partner says nothing about how much of the bank's work runs on it.

| Bank | Named AI and cloud partners | Form of the relationship | As of |
| --- | --- | --- | --- |
| Commonwealth Bank of Australia | Anthropic, OpenAI, AWS, Microsoft | Equity stake in Anthropic (A$1,527 million); multi-year OpenAI partnership; core banking on AWS | June 30, 2026 ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://www.commbank.com.au/articles/newsroom/2025/08/tech-ai-partnership.html)) |
| BBVA | OpenAI, Google | Strategic alliance extending ChatGPT Enterprise to 120,000 employees; Gemini for the workforce | December 2025 ([BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai)) |
| DBS | Google (Gemini), Anthropic (Claude), Microsoft Copilot | Model-agnostic; 'US, Chinese, everything' | August 6, 2026 ([Computer Weekly](https://computerweekly.com/news/366622932/CW-Innovation-Awards-DBS-AI-assistant-slashes-call-times-and-boosts-productivity), [DBS Group Holdings](https://www.dbs.com/iwov-resources/images/investors/quarterly-financials/2026/2Q26_media_transcript.pdf)) |
| Lloyds | Microsoft, Google Cloud | Microsoft 365 E7; more than 300 data scientists on Vertex AI | June-October 2026 ([Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf), [Google Cloud](https://cloud.google.com/customers/lloydsbankinggroup)) |
| NatWest | OpenAI | Collaboration first announced March 2025 | March 20, 2025 ([NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/ai-and-data/2025/mar/natwest-open-ai-collaborate-to-accelerate-cutting-edge-ai-transf.html)) |
| TD Bank Group | Cohere | Up to C$25 million over three years with Layer 6 | September 22, 2026 ([TD Bank Group (CNW via Yahoo Finance)](https://finance.yahoo.com/news/td-announces-25-million-strategic-200000614.html)) |
| OCBC | Microsoft Azure OpenAI | OCBC GPT for 30,000 employees | October 24, 2023 ([Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2023/ocbc-is-first-singapore-bank-to-roll-out-generative-ai-chatbot-to-all-employees-globally)) |

## How does CommBank's customer AI compare with its peers' assistants?

| Bank | Assistant | Reach or outcome | As of |
| --- | --- | --- | --- |
| Commonwealth Bank of Australia | CommBank Companion and virtual messaging | One third of customers given Companion; 86% of messaging conversations resolved end to end | June-August 2026 ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf)) |
| NatWest | Cora | 12.9 million conversations in 2025, half with no human intervention | December 31, 2025 ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf)) |
| ING | Customer chatbot | 75% of chats handled without human support at year-end 2025 | December 31, 2025 ([ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm)) |
| DBS | digibot and DBS Joy | More than 10 million customers reached; Joy fully agentic for 350,000 corporate users | July 27, 2026 ([DBS Group Holdings](https://dbs.com/newsroom/DBS_Gen_AI_enabled_virtual_assistants_reach_10_million_customers_and_go_agentic)) |
| Lloyds | AI financial assistant | More than 500,000 Bank of Scotland customers | June 22, 2026 ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/1000-new-ai-roles.html)) |
| OCBC | OCBC WoW avatars | Beta for 50 invited wealth clients | July 1, 2026 ([Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-unveils-avatar-banking.page)) |

## How does CBA's use of AI against fraud and scams compare with its peers'?

| Bank | What it runs | Reported effect | As of |
| --- | --- | --- | --- |
| Commonwealth Bank of Australia | Agentic system proposing card fraud rules for human approval; scam-engaging bots; NameCheck payee checks | Customer fraud losses down over 20% (H1 FY26); agent contributed to three quarters of card fraud rules; 5.9 million first-time-payment warnings since September 2024 | October 14, 2026 ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/04/ai-agent-spots-fraud-in-real-time.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/agm-ceo-address.html)) |
| NatWest | Fraud Triage Agent | Nearly 19,000 conversations since launch | September 25, 2026 ([NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html)) |
| DBS | AI/ML monitoring of high-risk transactions | Flags transactions in less than 10 milliseconds | October 6, 2025 ([DBS Group Holdings](https://dbs.com/artificial-intelligence-machine-learning/artificial-intelligence/ethical-and-responsible-ai-in-banking.html)) |
| BMO Financial Group | AI in AML alert handling and adverse-media searches | About 10% fewer false AML alerts; adverse-media searches from about 180 to 20 minutes | March 26, 2026 ([Financial Post via Yahoo Finance Canada](https://finance.yahoo.com/news/bmo-aims-increase-business-u-200703810.html)) |

## How does CBA's use of AI coding agents compare with its peers'?

| Bank | Scale | Reported effect | As of |
| --- | --- | --- | --- |
| Commonwealth Bank of Australia | Over 80% of 7,800 engineers use AI coding agents | Three times more code changes; over 15,000 quality, resilience and security issues resolved | September 18, 2026 ([Retail Banker International (via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/interview-cba-ai-chief-scaling-091319695.html)) |
| NatWest | More than 12,000 coders with AI assistants | About 35% of code written by AI at full-year 2025; 'over 40%' by Q1 2026 | May 1, 2026 ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-natwest-groups-q1-2026-shows-strong-eps-revenue-miss-93CH-4652238)) |
| Lloyds | More than 11,000 engineers on GitHub Copilot | About 50% less legacy code conversion time | July 30, 2026 ([Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/who-we-are/accelerate-2030/2026-lbg-hy-strategy-presentation.pdf)) |
| TD Bank Group | More than 7,000 engineers using AI | Most active up 29% in throughput | May 28, 2026 ([Motley Fool (The Globe and Mail)](https://theglobeandmail.com/investing/markets/stocks/TD/pressreleases/2205931/td-td-q2-2026-earnings-call-transcript)) |
| OCBC | Engineers across the bank | Coding and testing effort down 20% to 30% | December 31, 2025 ([Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository)](https://vpr.hkma.gov.hk/statics/assets/doc/100020/ar_25/ar_25_eng.pdf)) |

## Which banks are Commonwealth Bank's peers, and why these?

Commonwealth Bank of Australia is compared here with BBVA, ING Groep N.V., Lloyds Banking Group, NatWest Group plc, DBS Group Holdings, Oversea-Chinese Banking Corporation, The Toronto-Dominion Bank (TD Bank Group) and Bank of Montreal (BMO Financial Group): the non-US banking groups on this site nearest to it in business model (regional or retail-commercial bank), balance-sheet size and home region (Asia-Pacific). Commonwealth Bank of Australia is classed as a regional or retail-commercial bank headquartered in Australia.

## Common questions

### Is CommBank better than DBS at AI?

The record cannot settle capability. On disclosure, CBA scores 88.2 on this site's index against DBS's 85.5, and Evident's 2026 index puts CBA first in Asia-Pacific. DBS reports the larger value figure (about SGD 1 billion in 2025 against CBA's A$200 million of FY26 gross benefits) and more independent coverage. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html), [DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf))

### Which bank is the leading AI bank in Asia-Pacific?

On Evident's 2026 AI Index, Commonwealth Bank of Australia: fourth of 50 banks worldwide, first in Asia-Pacific and the only Asia-Pacific bank in the top 10. On this site's disclosure index CBA (88.2) also leads DBS (85.5) and OCBC (73.4). ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html))

### How does CBA's AI investment compare with BBVA's OpenAI deal?

CBA holds equity in Anthropic, carried at A$1,527 million at June 30, 2026, and has a multi-year OpenAI partnership with ChatGPT Enterprise for nearly 50,000 staff. BBVA's December 2025 alliance with OpenAI extends ChatGPT Enterprise to all 120,000 employees; about 100,000 were using it by June 2026. ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [OpenAI](https://openai.com/index/bbva/))

### How does CBA's AI compare with Lloyds'?

CBA scores 88.2 on this site's index and Lloyds 83.6. Both put money on AI: CBA reports about A$200 million of measured gross benefits in FY26, and Lloyds about £50 million from generative AI in 2025 with more than £100 million expected in 2026. CBA's Chief AI Officer, Ranil Boteju, joined from Lloyds. ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2026/q2/2026-lbg-hy-results.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/11/ranil-boteju-chief-ai-officer.html))

### Does CBA use AI to fight scams more than other banks?

CBA reports the most specific outcomes among its peers: customer fraud losses down over 20% in the first half of FY26, more than 2,900 scam-engaging bots deployed by February 2026, and 5.9 million first-time-payment warnings since September 2024. NatWest's Fraud Triage Agent had nearly 19,000 conversations by September 2026. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA%202026%20Half%20Year%20Results%20Transcript.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/agm-ceo-address.html), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html))

### Does CommBank have a Chief AI Officer?

Yes. CBA appointed Ranil Boteju, previously Lloyds' Group Chief Data and Analytics Officer, as Chief AI Officer from early 2026, and named Professor Mary-Anne Williams its first Chief AI Scientist in May 2026. Among its peers, BMO has a Chief AI and Quantum Officer and Lloyds a chief data and AI officer hired from DBS. ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/11/ranil-boteju-chief-ai-officer.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commonwealth-bank-appoints-first-chief-ai-scientist.html), [BMO Financial Group](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/sameer-gupta-chief-data-ai-officer.html))

### How does CBA's AI compare with NatWest's?

CBA scores 88.2 on this site's index and NatWest 75.1. NatWest says all 60,000 colleagues have AI tools and that its Cora assistant handled 12.9 million conversations in 2025, half without human help; CBA reports 80% weekly AI use among staff and 86% of messaging conversations resolved end to end. ([NatWest Group](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2026/jul/harnessing-ai-as-a-core-enabler-of-business-strategy.html), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf))

### How many CBA staff use AI compared with peers?

CBA reports 78% of employees with access to enhanced AI platforms and 80% weekly AI use (June 2026). BMO reports adoption above 96%, NatWest says all 60,000 colleagues have AI tools, and DBS reports about seven in 10 staff using Gen AI tools. ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [BMO Financial Group](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making), [NatWest Group](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2026/jul/harnessing-ai-as-a-core-enabler-of-business-strategy.html), [DBS Group Holdings (reprint of a Business Times interview)](https://dbs.com/media/features/ceo-tan-shu-shan-on-how-agentic-ai-is-transforming-the-bank.page))

## Peers on this site

- [BBVA AI strategy](https://www.bankingnewsai.com/banks/bbva) · [vs peers](https://www.bankingnewsai.com/banks/bbva/vs-peers)
- [ING Groep N.V. AI strategy](https://www.bankingnewsai.com/banks/ing) · [vs peers](https://www.bankingnewsai.com/banks/ing/vs-peers)
- [Lloyds Banking Group AI strategy](https://www.bankingnewsai.com/banks/lloyds) · [vs peers](https://www.bankingnewsai.com/banks/lloyds/vs-peers)
- [NatWest Group plc AI strategy](https://www.bankingnewsai.com/banks/natwest) · [vs peers](https://www.bankingnewsai.com/banks/natwest/vs-peers)
- [DBS Group Holdings AI strategy](https://www.bankingnewsai.com/banks/dbs) · [vs peers](https://www.bankingnewsai.com/banks/dbs/vs-peers)
- [Oversea-Chinese Banking Corporation AI strategy](https://www.bankingnewsai.com/banks/ocbc) · [vs peers](https://www.bankingnewsai.com/banks/ocbc/vs-peers)
- [The Toronto-Dominion Bank (TD Bank Group) AI strategy](https://www.bankingnewsai.com/banks/td-bank-group) · [vs peers](https://www.bankingnewsai.com/banks/td-bank-group/vs-peers)
- [Bank of Montreal (BMO Financial Group) AI strategy](https://www.bankingnewsai.com/banks/bmo-group) · [vs peers](https://www.bankingnewsai.com/banks/bmo-group/vs-peers)

## Sources

1. Commonwealth Bank recognised as Asia-Pacific's leading AI bank — Commonwealth Bank of Australia, Oct 6, 2026. https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html
2. 2026 Annual Report — Commonwealth Bank of Australia, Aug 12, 2026. https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf
3. Commonwealth Bank of Australia builds AI fluency at scale — OpenAI, Dec 9, 2025. https://openai.com/index/commonwealth-bank-of-australia
4. BBVA and OpenAI Seal a Strategic Alliance to Redefine Banking with Artificial Intelligence — BBVA, Dec 12, 2025. https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence
5. CommBank develops AI agent that spots new fraud and helps build defences — Commonwealth Bank of Australia, Apr 24, 2026. https://commbank.com.au/articles/newsroom/2026/04/ai-agent-spots-fraud-in-real-time.html
6. CBA 2026 Full Year Results Presentation — Commonwealth Bank of Australia, Aug 12, 2026. https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf
7. Annual Report 2025 — DBS Group Holdings, Mar 9, 2026. https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf
8. Australian lender CBA to cut 45 jobs in AI shift, draws union backlash — Reuters, Jul 29, 2025. https://reuters.com/business/world-at-work/australian-lender-cba-cut-45-jobs-ai-shift-draws-union-backlash-2025-07-29
9. CommBank reverses plan to replace call centre staff with AI — Finextra, Aug 22, 2025. https://www.finextra.com/newsarticle/46482/commbank-reverses-plan-to-replace-call-centre-staff-with-ai
10. TD's AI returns help put it back into the top 10 in this global bank index — Financial Post, Oct 6, 2026. https://financialpost.com/technology/td-ai-top-10-global-bank-index
11. BMO Earns Top Recognition for Responsible AI Leadership in Global Banking — BMO (CNW via FT Markets), Oct 6, 2026. https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1
12. Digital and AI investor seminar transcript — Lloyds Banking Group, Nov 6, 2025. https://lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/event-presentations-webcasts/2025/2025nov6-lbg-digital-ai-presentation-transcript.pdf
13. CommBank and OpenAI embark on Australia-first strategic partnership to advance AI solutions — Commonwealth Bank of Australia, Aug 13, 2025. https://www.commbank.com.au/articles/newsroom/2025/08/tech-ai-partnership.html
14. Edited transcript of DBS second-quarter 2026 media briefing, 6 August 2026 — DBS Group Holdings, Aug 7, 2026. https://www.dbs.com/iwov-resources/images/investors/quarterly-financials/2026/2Q26_media_transcript.pdf
15. CommBank releases Australian-first report outlining how it is adopting AI — Commonwealth Bank of Australia, Feb 4, 2026. https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html
16. NatWest Group first to unveil next generation of AI tools to help customers manage money and receive fraud support — NatWest Group, Sep 25, 2026. https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html
17. BMO aims to increase business in the U.S., return on equity to more than 15% by 2028 — Financial Post via Yahoo Finance Canada, Mar 26, 2026. https://finance.yahoo.com/news/bmo-aims-increase-business-u-200703810.html
18. Commonwealth Bank appoints Ranil Boteju as Chief AI Officer — Commonwealth Bank of Australia, Nov 26, 2025. https://commbank.com.au/articles/newsroom/2025/11/ranil-boteju-chief-ai-officer.html
19. Commonwealth Bank appoints its first Chief AI Scientist — Commonwealth Bank of Australia, May 18, 2026. https://commbank.com.au/articles/newsroom/2026/05/commonwealth-bank-appoints-first-chief-ai-scientist.html
20. Lloyds Banking Group appoints Sameer Gupta as Chief Data and AI Officer — Lloyds Banking Group, Apr 16, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/sameer-gupta-chief-data-ai-officer.html
21. BMO Establishes Institute for Applied Artificial Intelligence & Quantum — BMO Financial Group, Apr 9, 2026. https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum
22. TD Bank Unlocks $141 Million in AI Value Months Ahead of Schedule — PYMNTS, Aug 27, 2026. https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/
23. DBS named World's Best AI Bank — DBS Group Holdings, Oct 23, 2025. https://dbs.com/newsroom/DBS_named_Worlds_Best_AI_Bank_HK_EN
24. CBA cuts 300 jobs as it prepares workers for an AI-driven ‘shift’ — The Sydney Morning Herald, Feb 24, 2026. https://smh.com.au/business/companies/cba-cuts-300-jobs-as-it-prepares-workers-for-an-ai-driven-shift-20260223-p5o4k5.html
25. Australia’s Biggest Bank to Cut 120 More Jobs Amid AI Push — Bloomberg, Apr 23, 2026. https://bloomberg.com/news/articles/2026-04-23/australia-s-biggest-bank-to-cut-120-more-jobs-amid-ai-push
26. DBS CEO Piyush Gupta sees job cuts of 4,000 temp staff as AI replaces roles — The Business Times, Feb 24, 2025. https://businesstimes.com.sg/companies-markets/banking-finance/dbs-ceo-piyush-gupta-sees-job-cuts-4000-temp-staff-ai-replaces-roles
27. CommBank and AWS expand collaboration to deliver global best cloud and AI capabilities, enabling idea to production in six weeks — Commonwealth Bank of Australia, Feb 5, 2025. https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html
28. Reimagining banking with CommBank Companion — Commonwealth Bank of Australia, May 26, 2026. https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html
29. CBA 2026 Full Year Results Transcript — Commonwealth Bank of Australia, Aug 12, 2026. https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf
30. CEO Tan Su Shan on how agentic AI is transforming the bank — DBS Group Holdings (reprint of a Business Times interview), May 19, 2026. https://dbs.com/media/features/ceo-tan-shu-shan-on-how-agentic-ai-is-transforming-the-bank.page
31. DBS holds off on letting AI agents run on their own as controls lag capability (undated page, retrieved 2026-10-05) — Computer Weekly, Oct 5, 2026. https://computerweekly.com/news/366646190/DBS-holds-off-on-letting-AI-agents-run-on-their-own-as-controls-lag-capability
32. Lloyds Banking Group unveils Envoy - a new platform for building AI agents safely at scale — Lloyds Banking Group, May 1, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html
33. Lloyds Banking Group deploys agentic AI to strengthen real-time fraud protection — Lloyds Banking Group, Jun 8, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html
34. Lloyds Banking Group one of the first UK organisations to deploy Microsoft 365: The Frontier Suite — Lloyds Banking Group, Jun 4, 2026. https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf
35. Lloyds Banking Group: Improving customer experience with machine learning (undated page, retrieved 2026-10-05) — Google Cloud, Oct 5, 2026. https://cloud.google.com/customers/lloydsbankinggroup
36. BBVA and OpenAI collaborate to transform global banking — OpenAI, Dec 12, 2025. https://openai.com/index/bbva-collaboration-expansion/
37. BBVA deepens partnership with Google Cloud to innovate with AI — BBVA, Jul 2, 2025. https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai
38. BBVA puts AI at the core of banking with OpenAI — OpenAI, Jun 11, 2026. https://openai.com/index/bbva/
39. BBVA call centre staff develop and deploy AI agents to speed up response times — Finextra, Aug 4, 2026. https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times
40. BBVA develops a new technology architecture with AWS to accelerate its AI solutions — BBVA, Jun 5, 2026. https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions
41. BBVA deploys 'The Eight,' its strategy to transform the financial experience with AI — BBVA, Dec 12, 2025. https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/
42. BBVA Accelerates Its Artificial Intelligence Strategy With A Global Area: AI Transformation — BBVA, May 28, 2026. https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation
43. TD Announces Launch of Groundbreaking Predictive Foundation Model — TD Bank Group, Jun 11, 2025. https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation
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101. UBS only European bank in top 10 of AI adoption as JPMorgan Chase leads — Euronews via Yahoo Finance, Oct 7, 2026. https://finance.yahoo.com/news/ubs-only-european-bank-top-054547722.html
102. NatWest unveils AI-powered audio-visual spending insights tool — Finextra, Sep 25, 2026. https://www.finextra.com/newsarticle/48480/natwest-unveils-ai-powered-audio-visual-spending-insights-tool
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111. DBS' Gen AI-enabled virtual assistants reach 10 million customers and go agentic — DBS Group Holdings, Jul 27, 2026. https://dbs.com/newsroom/DBS_Gen_AI_enabled_virtual_assistants_reach_10_million_customers_and_go_agentic
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