# Which large banks use Microsoft? Source: https://www.bankingnewsai.com/banks/leaders/use-microsoft Last updated: Oct 30, 2026 Checked 2026-10-28 · bank profiles and the Microsoft vendor page. 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, 71 of the 141 large banks profiled have a dated, sourced profile entry naming Microsoft (a use case, a timeline move, a platform note or a vendor-page customer record). Ranked by entries naming Microsoft, the top 5 are UBS (US) (15 entries), SouthState (15 entries), UBS Group AG (13 entries), Barclays (13 entries) and Commonwealth Bank (11 entries). UBS (US)'s strongest evidence: Microsoft Azure OpenAI Service and Azure AI Search (use case, in production, Oct 13, 2026). ## Which of the large banks use Microsoft? | # | Bank | Entries naming Microsoft | Strongest entry | Status | Date | On this site | Sources | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | [UBS (US)](https://www.bankingnewsai.com/banks/ubs-usa) | 15 | Microsoft Azure OpenAI Service and Azure AI Search (use case, in production, Oct 13, 2026) | In production | Oct 13, 2026 | [UBS (US) profile](https://www.bankingnewsai.com/banks/ubs-usa#where) | [Microsoft Customer Stories](https://www.microsoft.com/en/customers/story/19796-ubs-azure); [UBS](https://www.ubs.com/global/en/our-firm/what-we-do/technology/innovation-and-ai.html) | | 2 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | 15 | Microsoft Copilot across the workforce (use case, in production, Aug 3, 2026) | In production | Aug 3, 2026 | [SouthState profile](https://www.bankingnewsai.com/banks/southstate#where) | [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear); [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm) | | 3 | [UBS Group AG](https://www.bankingnewsai.com/banks/ubs) | 13 | Red and Microsoft 365 Copilot for all employees (use case, in production, Mar 9, 2026) | In production | Mar 9, 2026 | [UBS Group AG profile](https://www.bankingnewsai.com/banks/ubs#where) | [UBS Group AG](https://www.ubs.com/global/en/media/display-page-ndp/en-20251016-ai-strategy.html); [UBS Group AG (SEC filing)](https://www.sec.gov/Archives/edgar/data/1610520/000161052026000023/ubs-20251231.htm) | | 4 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | 13 | Microsoft 365 Copilot and colleague agents (use case, in production, Feb 10, 2026) | In production | Feb 10, 2026 | [Barclays profile](https://www.bankingnewsai.com/banks/barclays#where) | [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/); [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) | | 5 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | 11 | Strategic partnerships with AWS, Anthropic, Microsoft and OpenAI (use case, in production, Aug 12, 2026) | In production | Aug 12, 2026 | [Commonwealth Bank profile](https://www.bankingnewsai.com/banks/commonwealth-bank#where) | [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/2025/03/anthropic.html) | | 6 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | 11 | AI through existing vendor relationships — the named stack covers Microsoft, Databricks, kore.ai, Five9 and MagicMirror, and the Q2 2026 10-Q lists dependence on… (use case, in production, Aug 7, 2026) | In production | Aug 7, 2026 | [OceanFirst profile](https://www.bankingnewsai.com/banks/oceanfirst#where) | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324); [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm) | | 7 | [Popular](https://www.bankingnewsai.com/banks/popular) | 10 | Copilot-thon, prompt-a-thon and Microsoft intern hackathons (use case, in production, Jun 11, 2026) | In production | Jun 11, 2026 | [Popular profile](https://www.bankingnewsai.com/banks/popular#where) | [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en); [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf) | | 8 | [UOB](https://www.bankingnewsai.com/banks/uob) | 9 | Microsoft Copilot for employees (use case, in production, Oct 24, 2026) | In production | Oct 24, 2026 | [UOB profile](https://www.bankingnewsai.com/banks/uob#where) | [The Business Times](https://www.businesstimes.com.sg/companies-markets/5-takeaways-singapore-banks-q2-results-diverging-outlooks-china-tax-rules-emerge-new-watchpoint); [United Overseas Bank](https://www.uobgroup.com/techecosystem/sff/future-ready-innovation/gen-ai-enablement.page) | | 9 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | 9 | Approved-tool rule and retrieval over governed data — Copilot is the approved tool, retrieval is limited to internal governed data, and staff remain accountable for outputs (use case, in production, Sep 4, 2026) | In production | Sep 4, 2026 | [M&T profile](https://www.bankingnewsai.com/banks/mt-bank#where) | [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai); [AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/) | | 10 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | 9 | Microsoft 365 Copilot and E7 Frontier Suite (use case, rolling out, Jul 30, 2026) | Rolling out | Jul 30, 2026 | [Lloyds profile](https://www.bankingnewsai.com/banks/lloyds#where) | [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf); [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/who-we-are/accelerate-2030/2026-lbg-hy-strategy-presentation.pdf) | | 11 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | 8 | Talkdesk cloud contact centre with Talkdesk Copilot (use case, in production, Aug 18, 2026) | In production | Aug 18, 2026 | [TowneBank profile](https://www.bankingnewsai.com/banks/townebank#where) | [TowneBank (from The CEO Magazine)](https://www.townebank.com/about-towne/news-room/2025/information-superhighway-denys-diaz/); [Talkdesk](https://www.talkdesk.com/customers/townebank/) | | 12 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | 8 | Microsoft Copilot and Copilot Chat (use case, in production, Mar 13, 2026) | In production | Mar 13, 2026 | [BMO Financial Group profile](https://www.bankingnewsai.com/banks/bmo-group#where) | [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/927971/000119312526105793/d76162dex991.htm) | | 13 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | 8 | CDAO Swamy: LLMs as a translator for customer intent; models inside the bank's VPC — On an American Banker panel Krish Swamy said LLMs map what callers say to a small set of intents, that some models run… (move, Jul… | Mentioned | Jul 30, 2026 | [Citizens profile](https://www.bankingnewsai.com/banks/citizens#timeline) | [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile); [Banking Dive](https://www.bankingdive.com/news/citizens-bank-cio-ruttledge-ai-banking-generative-genai/722507/) | | 14 | [Bank of Hawaii](https://www.bankingnewsai.com/banks/bank-of-hawaii) | 7 | Generative AI tools for employees — Microsoft Copilot available to all employees from July 2025 after three training modules, supported by 60 AI Ambassadors (use case, in production, Apr 28, 2026) | In production | Apr 28, 2026 | [Bank of Hawaii profile](https://www.bankingnewsai.com/banks/bank-of-hawaii#where) | [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-shareholders-elect-directors-100836326.html); [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm) | | 15 | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | 7 | Microsoft Copilot for Service and firmwide Copilot (use case, in production, Feb 11, 2026) | In production | Feb 11, 2026 | [Northern Trust profile](https://www.bankingnewsai.com/banks/northern-trust#where) | [Microsoft](https://news.microsoft.com/en-hk/2024/03/06/introducing-microsoft-copilot-for-finance-the-newest-copilot-offering-in-microsoft-365-designed-to-transform-modern-finance/); [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/northern-trust-conference-ntrs-bets-080213324.html) | | 16 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | 7 | Microsoft 365 Copilot (group) (use case, in production, Feb 10, 2026) | In production | Feb 10, 2026 | [Barclays US profile](https://www.bankingnewsai.com/banks/barclays-us#where) | [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/); [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) | | 17 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | 7 | Azure-hosted data and a ChatGPT-based CAI (use case, in production, Jan 7, 2026) | In production | Jan 7, 2026 | [CIBC profile](https://www.bankingnewsai.com/banks/cibc-us#where) | [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2026/01/07/modern-banking-reinvented-cibcs-blueprint-for-successful-ai-transformation/); [Forbes](https://www.forbes.com/sites/peterhigh/2025/09/12/cibc-cio-richard-jardim-on-building-a-bank-for-the-modern-world/) | | 18 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | 6 | Copilot and AI-assisted engineering (use case, in production, Aug 31, 2026) | In production | Aug 31, 2026 | [TD Bank Group profile](https://www.bankingnewsai.com/banks/td-bank-group#where) | [Motley Fool (The Globe and Mail)](https://theglobeandmail.com/investing/markets/stocks/TD/pressreleases/2205931/td-td-q2-2026-earnings-call-transcript); [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q3-2026-earnings-132153119.html) | | 19 | [Regions](https://www.bankingnewsai.com/banks/regions) | 6 | GitHub and Microsoft copilots for associates (use case, in production, Aug 7, 2026) | In production | Aug 7, 2026 | [Regions profile](https://www.bankingnewsai.com/banks/regions#where) | [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm); [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000032/rf-2026331xexhibit993fin.htm) | | 20 | [State Street](https://www.bankingnewsai.com/banks/state-street) | 6 | Copilot platform for all eligible employees (use case, in production, Jul 23, 2026) | In production | Jul 23, 2026 | [State Street profile](https://www.bankingnewsai.com/banks/state-street#where) | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/state-street-stt-q2-2026-141337102.html); [VentureBeat](https://venturebeat.com/ai/ask-your-assets-anything-state-streets-generative-ai-lets-investors-chat-with-their-data) | | 21 | [Ally](https://www.bankingnewsai.com/banks/ally) | 6 | Scott Richardson, Former Chief Information Officer, Enterprise Data and Analytics (as named in Microsoft's… (leader, Sep 3, 2026) | Mentioned | Sep 3, 2026 | [Ally profile](https://www.bankingnewsai.com/banks/ally#people) | [Microsoft](https://www.microsoft.com/en/customers/story/1715820133841482699-ally-azure-banking-en-united-states); [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank) | | 22 | [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | 6 | Microsoft 365 Copilot (use case, rolling out, Jul 29, 2026) | Rolling out | Jul 29, 2026 | [HSBC USA profile](https://www.bankingnewsai.com/banks/hsbc-usa#where) | [Microsoft](https://www.microsoft.com/en-us/investor/events/fy-2026/earnings-fy-2026-q4); [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/financial-services/2026/04/20/reimagining-trade-finance-with-ai-a-collaborative-proof-of-concept-from-microsoft-anz-hsbc-and-lloyds/) | | 23 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | 6 | Microsoft 365 Copilot (use case, rolling out, Jul 29, 2026) | Rolling out | Jul 29, 2026 | [HSBC profile](https://www.bankingnewsai.com/banks/hsbc#where) | [Microsoft](https://www.microsoft.com/en-us/investor/events/fy-2026/earnings-fy-2026-q4); [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/financial-services/2026/04/20/reimagining-trade-finance-with-ai-a-collaborative-proof-of-concept-from-microsoft-anz-hsbc-and-lloyds/) | | 24 | [MUFG](https://www.bankingnewsai.com/banks/mufg) | 6 | ChatGPT Enterprise for MUFG Bank staff — Rolled out from January 2026 to about 35,000 bank employees for document drafting, research, customer handling and… (use case, rolling out, May 19, 2026) | Rolling out | May 19, 2026 | [MUFG profile](https://www.bankingnewsai.com/banks/mufg#where) | [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/pressrelease/2025/pdf/news-20251112-001_ja.pdf); [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/ir/presentation/2025/pdf/slides2603_en.pdf) | | 25 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | 5 | NICE Expert knowledge base, Copilot auto summary and chat channel (use case, in production, Sep 30, 2026) | In production | Sep 30, 2026 | [Fulton profile](https://www.bankingnewsai.com/banks/fulton#where) | [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents); [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot) | | 26 | [Banco Santander](https://www.bankingnewsai.com/banks/santander) | 5 | AI tools for all employees (multi-provider) — Microsoft Copilot for everyday productivity plus OpenAI's ChatGPT, Anthropic's Claude and Google's Gemini for… (use case, in production, Jun 22, 2026) | In production | Jun 22, 2026 | [Banco Santander profile](https://www.bankingnewsai.com/banks/santander#where) | [Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees); [Banco Santander](https://santander.com/en/stories/ai-at-santander-from-learning-to-practical-use) | | 27 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 5 | Approved-tools rule and Microsoft Copilot (use case, in production, Mar 13, 2026) | In production | Mar 13, 2026 | [BMO profile](https://www.bankingnewsai.com/banks/bmo-us#where) | [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312526105793/d76162dex991.htm); [Banking Dive](https://www.bankingdive.com/news/banks-cloud-providers-ai-governance-standards-finos-citi-morgan-stanley-rbc-bmo/751698/) | | 28 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | 5 | Microsoft 365 Copilot (use case, in production, Nov 20, 2025) | In production | Nov 20, 2025 | [Wells Fargo profile](https://www.bankingnewsai.com/banks/wells-fargo#where) | [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/); [American Banker](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide) | | 29 | [Optum Bank](https://www.bankingnewsai.com/banks/optum-bank) | 5 | Microsoft, Google and Anthropic go-to-market partnerships (use case, rolling out, Oct 13, 2026) | Rolling out | Oct 13, 2026 | [Optum Bank profile](https://www.bankingnewsai.com/banks/optum-bank#where) | [earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/13/unitedhealth-unh-q3-2026-earnings-call-transcript/); [Optum](https://optum.com/en/newsroom/health-tech/optum-real-expands-microsoft-improve-provider-experience.html) | | 30 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | 4 | Talkdesk AI contact centre — The contact centre runs on Talkdesk's Financial Services Experience Cloud: Talkdesk Copilot guides agents during… (use case, in production, Sep 24, 2026) | In production | Sep 24, 2026 | [BankUnited profile](https://www.bankingnewsai.com/banks/bankunited#where) | [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/); [Talkdesk](https://www.talkdesk.com/customers/bankunited/) | | 31 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | 4 | Internal GenAI platform and Copilot Chat for all colleagues (use case, in production, Jul 27, 2026) | In production | Jul 27, 2026 | [NatWest profile](https://www.bankingnewsai.com/banks/natwest#where) | [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/13022026/nwg-annual-report-and-accounts-2025.pdf) | | 32 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | 4 | Microsoft Copilot across the organisation (use case, in production, Jun 5, 2026) | In production | Jun 5, 2026 | [First Merchants profile](https://www.bankingnewsai.com/banks/first-merchants#where) | [Louisville Business First](https://www.bizjournals.com/louisville/news/2026/06/05/executive-insights-experts-crypto-ai-business-bank.html) | | 33 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | 4 | Microsoft Copilot across the enterprise (use case, in production, Jun 5, 2026) | In production | Jun 5, 2026 | [Standard Chartered profile](https://www.bankingnewsai.com/banks/standard-chartered#where) | [Standard Chartered PLC](https://sc.com/en/uploads/sites/66/content/docs/standard-chartered-may-2026-investor-event-transformation-transcript.pdf); [Monetary Authority of Singapore](https://www.mas.gov.sg/news/media-releases/2023/mas-partners-industry-to-develop-generative-ai-risk-framework-for-the-financial-sector) | | 34 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | 4 | Azure document intelligence in lockbox (use case, in production, May 12, 2026) | In production | May 12, 2026 | [BNY profile](https://www.bankingnewsai.com/banks/bny-mellon#where) | [Microsoft WorkLab](https://www.microsoft.com/en-us/worklab/the-making-of-a-frontier-firm-how-ai-is-redesigning-work-at-bny); [Fortune](https://fortune.com/2024/08/15/exclusive-how-bnys-new-ai-tool-eliza-is-minting-an-army-of-disposable-assistants-that-could-save-billions-in-labor-costs/) | | 35 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | 4 | Enterprise AI tools and Copilot (use case, in production, Apr 23, 2026) | In production | Apr 23, 2026 | [Banc of California profile](https://www.bankingnewsai.com/banks/banc-of-california#where) | [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html); [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf) | | 36 | [PNC](https://www.bankingnewsai.com/banks/pnc) | 4 | Microsoft Copilot, firm-wide (use case, in production, Mar 11, 2026) | In production | Mar 11, 2026 | [PNC profile](https://www.bankingnewsai.com/banks/pnc#where) | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm) | | 37 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 4 | 2UniFi vendor and cloud stack — John Finn named Finxact, Visa and Marqeta (as transcribed) as architecture partners and Snowflake and Microsoft Azure… (use case, in production, Feb 24, 2026) | In production | Feb 24, 2026 | [National Bank Holdings profile](https://www.bankingnewsai.com/banks/national-bank-holdings#where) | [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript); [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm) | | 38 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | 4 | Microsoft Copilot for employees (use case, in production, Jan 16, 2025) | In production | Jan 16, 2025 | [Fifth Third profile](https://www.bankingnewsai.com/banks/fifth-third#where) | [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/); [Forbes](https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation) | | 39 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | 4 | Q2 fiscal 2026 call: US AML runs on AI-enhanced transaction monitoring — group: over 40,000 colleagues using Copilot (the call did not name the product's vendor), over 7,000 engineers using… (move, May 28, 2026) | Mentioned | May 28, 2026 | [TD profile](https://www.bankingnewsai.com/banks/td-bank-us#timeline) | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q2-2026-earnings-184201327.html); [American Banker](https://americanbanker.com/news/give-me-five-trade-ideas-tds-traders-embrace-chatgpt) | | 40 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | 4 | Microsoft Copilot for employees (replacing SoGPT) (use case, rolling out, Jan 12, 2026) | Rolling out | Jan 12, 2026 | [Société Générale profile](https://www.bankingnewsai.com/banks/societe-generale#where) | [Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool); [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf) | ## How is this ranked? Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced, plus the bank customers listed on the Microsoft vendor page (/vendors/microsoft-copilot). Rule: A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern Microsoft|Azure|(?