Which large banks lead in technology?

How do the large banks rank on disclosed technology spending and scale?

Rows 1 to 8: the banks with a stated annual technology budget or a 2025 Form 10-K technology line, ranked by the larger of the two (the order of /banks/technology-leaders). Rows 9 onwards: banks with another disclosed technology number (headcount, cloud migration, core conversion, developer tooling), ordered by how many such numbers they have disclosed, then assets. The last column says which kind of figure the row rests on.

Each row quotes the bank's page on this site; the bank link opens the full record with every source. “Not disclosed” means the page records nothing on that point. Banks absent from the table have no evidence on this topic on their page.

Which banks lead in technology within each size tier?

The same ranking within size tiers; the headline figure is the first disclosed number on each row.

How is this ranking computed?

Primary order: the largest technology figure each bank has published, a stated budget where it gives one, otherwise the technology line of its 2025 Form 10-K (the technology-leaders guide, which covers the largest banks with a figure that can be compared). Secondary order: among the remaining banks, the count of disclosed technology, engineering, cloud or core-banking numbers on the bank's page (two points each) plus dated cloud or core moves (up to three points), ties by assets.

Every figure is quoted as reported, with its date; nothing is estimated or converted.

What are the caveats?

Comparability: a stated budget includes technologists' pay; the 10-K line usually does not, so banks ranked on the 10-K line are understated against those with a stated budget (JPMorgan's 2025 line was $11.0 billion against a 2026 outlook of about $19.8 billion). Rows below the guide rows are not comparable with the rows above or with each other: a cloud-migration percentage and a technologist headcount measure different things.

Non-US groups report in their own currency and under different accounting lines; their figures are shown as reported, never converted.

How does this differ from the AI index?

The AI index scores AI disclosure; this page ranks money and scale disclosed for technology as a whole, which is why Bank of America and Citigroup sit near the top here and several AI-index leaders do not appear. The AI index and its method are on their own page; the technology leaders and generative AI guides are hand-written cross-bank tables with their own sourcing.