# Which large banks disclose savings, benefits or returns from AI?

Source: https://www.bankingnewsai.com/banks/leaders/ai-savings-and-benefits-disclosed
Last updated: Oct 30, 2026


Checked 2026-10-28 · bank profiles. Nothing on this page is written by a model: every row is computed from that dataset.

On the public record as of Oct 28, 2026, 28 of the 141 large banks profiled disclose a dated figure for savings, value, benefit or return attributed to AI. Ranked by matching figures, the top 5 are DBS (5 figures), TD Bank Group (4 figures), Banco Santander (4 figures), BMO Financial Group (3 figures) and TD (3 figures). DBS's strongest evidence: Bloomberg Intelligence estimate of AI-derived profit uplift: Pre-tax profit up by as much as $1.6 billion, about 17%, in the next few years (BI's… (as of Jan 8, 2026).

## Which of the large banks disclose savings, benefits or returns from AI?

| # | Bank | Matching figures | Figure (as reported) | Status | Date | On this site | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [DBS](https://www.bankingnewsai.com/banks/dbs) | 5 | Bloomberg Intelligence estimate of AI-derived profit uplift: Pre-tax profit up by as much as $1.6 billion, about 17%, in the next few years (BI's… (as of Jan 8, 2026) | Disclosed | Jan 8, 2026 | [DBS profile](https://www.bankingnewsai.com/banks/dbs#numbers) | [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](https://dbs.com/artificial-intelligence-machine-learning/artificial-intelligence/ethical-and-responsible-ai-in-banking.html) |
| 2 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | 4 | Medium-term AI value target: C$1 billion a year (C$500 million revenue uplift, C$500 million cost savings) (as of Aug 27, 2026) | Disclosed | Aug 27, 2026 | [TD Bank Group profile](https://www.bankingnewsai.com/banks/td-bank-group#numbers) | [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) |
| 3 | [Banco Santander](https://www.bankingnewsai.com/banks/santander) | 4 | AI business value generated, H1 2026: EUR 84m (as of Jun 30, 2026) | Disclosed | Jun 30, 2026 | [Banco Santander profile](https://www.bankingnewsai.com/banks/santander#numbers) | [Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day); [Reuters](https://www.reuters.com/business/finance/santander-aims-profit-above-236-billion-by-2028-raises-rote-target-2026-02-25/) |
| 4 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | 3 | Target annual benefit from AI initiatives: About C$1 billion of pre-provision, pre-tax income by 2030 (as of Sep 22, 2026) | Disclosed | Sep 22, 2026 | [BMO Financial Group profile](https://www.bankingnewsai.com/banks/bmo-group#numbers) | [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html); [American Banker](https://www.americanbanker.com/news/its-lazy-bmos-milchanowski-on-ai-related-layoffs) |
| 5 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | 3 | AI value target: C$200 million (FY2026), C$1 billion a year medium term (as of Aug 27, 2026) | Disclosed | Aug 27, 2026 | [TD profile](https://www.bankingnewsai.com/banks/td-bank-us#numbers) | [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/); [Banking Dive](https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/) |
| 6 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | 3 | AI productivity benefit: 0.4 to 1.2 percentage points a year over the next decade (as of Jul 30, 2026) | Disclosed | Jul 30, 2026 | [Lloyds profile](https://www.bankingnewsai.com/banks/lloyds#numbers) | [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) |
| 7 | [MUFG](https://www.bankingnewsai.com/banks/mufg) | 2 | Expected AI benefit if about 400 use cases are reached by FY2026 (MUFG Report…: over ¥30 billion (as of Aug 24, 2026) | Disclosed | Aug 24, 2026 | [MUFG profile](https://www.bankingnewsai.com/banks/mufg#numbers) | [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/ir/presentation/2025/pdf/slides2603_en.pdf); [Yahoo Finance](https://finance.yahoo.com/quote/MUFG/earnings/MUFG-Q4-2026-earnings_call-536590.html) |
| 8 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | 2 | AI Banker / AutoPF: About one hour saved per sales visit, 86% of users see significant value / used by 86%… (as of Aug 13, 2026) | Disclosed | Aug 13, 2026 | [BBVA profile](https://www.bankingnewsai.com/banks/bbva#numbers) | [BBVA](https://bbva.com/en/innovation/the-banker-names-bbva-best-technology-bank-in-western-europe-and-best-bank-fintech-partnership-for-its-strategic-agreement-with-openai); [BBVA](https://bbva.com/en/enterprises/bbva-expands-artificial-intelligence-to-key-commercial-banking-processes) |
| 9 | [Webster](https://www.bankingnewsai.com/banks/webster) | 2 | Santander AI business value, first half 2026: €84 million (as of Jul 22, 2026) | Disclosed | Jul 22, 2026 | [Webster profile](https://www.bankingnewsai.com/banks/webster#numbers) | [Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm); [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informacion-privilegiada/2026/07/hr-2026-07-22-second-quarter-2026-results-press-release-en.pdf) |
| 10 | [State Street](https://www.bankingnewsai.com/banks/state-street) | 2 | Productivity savings delivered in 2025: $500 million, with similar savings planned as it reinvests in technology and AI (as of Jan 16, 2026) | Disclosed | Jan 16, 2026 | [State Street profile](https://www.bankingnewsai.com/banks/state-street#numbers) | [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/state-street-q4-earnings-call-175158992.html); [State Street](https://newsroom.statestreet.com/press-releases/press-release-details/2025/Institutional-Investors-Are-Fast-Tracking-Data-Strategies-to-Unlock-AI-Driven-Growth-State-Street-Survey-Reveals-2025-HQ5JzuS3Q2/default.aspx) |
| 11 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 1 | Target annual benefit from AI initiatives (group): C$1 billion pre-provision, pre-tax income by 2030 (as of Sep 22, 2026) | Disclosed | Sep 22, 2026 | [BMO · ai workforce](https://www.bankingnewsai.com/banks/bmo-us/ai-workforce) | [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html) |
| 12 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | 1 | AI cost-savings opportunity in the 2029 plan: EUR 500m to EUR 600m, of which about EUR 350m already identified by 2029 (as of Sep 21, 2026) | Disclosed | Sep 21, 2026 | [Société Générale profile](https://www.bankingnewsai.com/banks/societe-generale#numbers) | [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf); [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf) |
| 13 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | 1 | Implemented AI applications: ≈ 140, costing $400 million, generating $800 million in benefit (as of Sep 14, 2026) | Disclosed | Sep 14, 2026 | [BofA · ai workforce](https://www.bankingnewsai.com/banks/bank-of-america/ai-workforce) | [Banking Dive](https://www.bankingdive.com/news/bank-of-america-ai-spending-roi-headcount-moynihan/831159) |
| 14 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | 1 | Share of the A$400 million annual productivity benefit linked to AI…: about 10% (as of Aug 12, 2026) | Disclosed | Aug 12, 2026 | [Commonwealth Bank profile](https://www.bankingnewsai.com/banks/commonwealth-bank#numbers) | [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf) |
| 15 | [Valley](https://www.bankingnewsai.com/banks/valley) | 1 | AI savings vs new AI spend, year to date: ≈ $15 million run-rate savings vs $3–4 million new AI-associated expense (as of Jul 23, 2026) | Disclosed | Jul 23, 2026 | [Valley profile](https://www.bankingnewsai.com/banks/valley#numbers) | [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html) |
| 16 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | 1 | Group AI business value and automation agents: €35 million in Q1 2026; more than 280 process-automation agents in production (as of Jun 22, 2026) | Disclosed | Jun 22, 2026 | [Santander US profile](https://www.bankingnewsai.com/banks/santander-us#numbers) | [Banco Santander](https://www.santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees) |
| 17 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | 1 | AI productivity value: $10 million+ (as of May 12, 2026) | Disclosed | May 12, 2026 | [Western Alliance profile](https://www.bankingnewsai.com/banks/western-alliance#numbers) | [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm) |
| 18 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | 1 | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (as of Apr 15, 2026) | Disclosed | Apr 15, 2026 | [First Horizon profile](https://www.bankingnewsai.com/banks/first-horizon#numbers) | [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html) |
| 19 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | 1 | Wealth advisors on Gen AI coaching: 900; double the weekly customer appointments and a 50% revenue uplift vs the prior three… (as of Apr 15, 2026) | Disclosed | Apr 15, 2026 | [OCBC profile](https://www.bankingnewsai.com/banks/ocbc#numbers) | [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-launches-generative-ai-powered-skills-training-for-all-wealth-advisors) |
| 20 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | 1 | Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (as of Apr 1, 2026) | Disclosed | Apr 1, 2026 | [Eastern Bank profile](https://www.bankingnewsai.com/banks/eastern#numbers) | [Eastern Bank (Boston Business Journal)](https://bizjournals.com/boston/news/2026/04/01/building-future-insights-middle-market-business.html) |
| 21 | [ING](https://www.bankingnewsai.com/banks/ing) | 1 | AI initiatives in high-value areas: More than 100, organised around 12 themes (as of Mar 18, 2026) | Disclosed | Mar 18, 2026 | [ING profile](https://www.bankingnewsai.com/banks/ing#numbers) | [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf) |
| 22 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | 1 | AI value created: About €600 million to date (management); €635 million for 2025 (analyst citing slide… (as of Feb 5, 2026) | Disclosed | Feb 5, 2026 | [BNP Paribas profile](https://www.bankingnewsai.com/banks/bnp-paribas#numbers) | [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182); [BNP Paribas](https://integrated-report.bnpparibas/2025/article/49) |
| 23 | [Zions](https://www.bankingnewsai.com/banks/zions) | 1 | Savings initiatives in the 2026 expense outlook: ≈ $40 million (AI, process change, new technology and outsourcing) (as of Jan 20, 2026) | Disclosed | Jan 20, 2026 | [Zions profile](https://www.bankingnewsai.com/banks/zions#numbers) | [Yahoo Finance](https://finance.yahoo.com/news/zions-zion-q4-2025-earnings-000408635.html) |
| 24 | [RBC](https://www.bankingnewsai.com/banks/rbc) | 1 | AI enterprise-value target by 2027 (net of investments): C$700 million to C$1 billion (as of Dec 3, 2025) | Disclosed | Dec 3, 2025 | [RBC profile](https://www.bankingnewsai.com/banks/rbc#numbers) | [PYMNTS](https://pymnts.com/earnings/2025/rbc-expects-to-gain-over-700-million-of-enterprise-value-from-ai); [Royal Bank of Canada](https://www.rbc.com/investor-relations/_assets-custom/pdf/2025q4strategicupdate.pdf) |
| 25 | [City National](https://www.bankingnewsai.com/banks/city-national) | 1 | RBC incremental enterprise value from AI, target: $700 million – $1 billion by 2027 (as of Dec 2, 2025) | Disclosed | Dec 2, 2025 | [City National profile](https://www.bankingnewsai.com/banks/city-national#numbers) | [RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf) |
| 26 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | 1 | Private Bank AI-enabled operating model, run-rate savings by 2028 / cumulative…: €300m / about €600m (as of Nov 17, 2025) | Disclosed | Nov 17, 2025 | [Deutsche Bank profile](https://www.bankingnewsai.com/banks/deutsche-bank#numbers) | [Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf) |
| 27 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | 1 | First AI use case: investment and expected cost avoidance: $300,000 invested; about $1.5 million of run-rate expense expected to be avoided (as of Oct 31, 2025) | Disclosed | Oct 31, 2025 | [The Bancorp profile](https://www.bankingnewsai.com/banks/the-bancorp#numbers) | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073) |
| 28 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 1 | Annual AI benefit estimate cited in October 2025: about $2 billion, roughly equal to spend (as of Oct 7, 2025) | Disclosed | Oct 7, 2025 | [JPMorgan · ai workforce](https://www.bankingnewsai.com/banks/jpmorgan-chase/ai-workforce) | [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870); [Banking Dive](https://www.bankingdive.com/news/banks-citi-wells-fargo-jpmorgan-chase-goldman-sachs-AI-earnings/803106) |

## How is this ranked?

Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced: "The numbers" table, each figure quoted as reported with its as-of date and source.

Rule: Figures whose label or value matches the page's pattern (see the code), excluding net income|net interest|deposits|earnings per|\bEPS\b. Score = matching figures; ties by the newest as-of date.

Counts: 28 of 141 profiled banks qualify; 40 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.

## What are the caveats?

Figures are as each bank reported them and are not normalised: a share of employees and a count of prompts are not comparable.

Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.

## FAQ

### Which bank ranks first?

DBS Group Holdings leads with 5 figures: Bloomberg Intelligence estimate of AI-derived profit uplift: Pre-tax profit up by as much as $1.6 billion, about 17%, in the next few years (BI's… (as of Jan 8, 2026). TD Bank Group is second with 4.

### How many large banks disclose AI savings or benefits?

28 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 14 are US banks and 14 non-US groups.

### What counts, and what does not?

Figures whose label or value matches the page's pattern (see the code), excluding net income|net interest|deposits|earnings per|\bEPS\b. Score = matching figures; ties by the newest as-of date. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced: "The numbers" table, each figure quoted as reported with its as-of date and source.

### Is this a measure of capability?

No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.

### When was this checked, and how often does it update?

The data behind the table was last checked on 2026-10-28 (bank profiles). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.

## Related questions

- [Which large banks disclose hours saved or productivity gains from AI?](https://www.bankingnewsai.com/banks/leaders/ai-hours-saved)
- [Which large banks lead in technology?](https://www.bankingnewsai.com/banks/leaders/technology)
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- [All ranked answers](https://www.bankingnewsai.com/banks/leaders)

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