How does Lloyds Banking Group compare with its peers on AI and technology?
Lloyds Banking Group scores 83.6 on this site's global AI disclosure index, #13 of 140 banks and third in its nine-bank peer group, behind HSBC (88.5) and Commonwealth Bank of Australia (88.2), which are close to level, and ahead of BBVA (77.2), a close cluster of Barclays (76), TD (75.3) and NatWest (75.1), then Santander (71.3) and ING (65.2). Among the UK-headquartered banks in the group it trails only HSBC on this index, ahead of Barclays and NatWest, and on Evident's October 2026 AI Index it ranked 15th of 50, ahead of NatWest (17th) and Barclays (19th). The score measures what is on the record, not capability. Three things separate Lloyds from named peers. First, it prices its AI: about £50 million of value from generative AI in 2025 across more than 50 solutions, with more than £100 million expected in 2026; NatWest and Barclays publish hours saved and adoption rather than a value figure, while Santander targets more than EUR 1 billion a year by 2028. Second, its own agent platform: Envoy, built with Google Cloud, runs fraud-support agents on customer calls since June 2026. Third, a customer assistant at scale: its AI financial assistant was with more than 500,000 Bank of Scotland customers by June 2026. Where Lloyds trails: HSBC (about 85%) and Barclays (around 90%) report higher staff tool coverage than Lloyds' 40,000 Copilot licences among 67,000 colleagues; NatWest says more than 40% of its code is written with AI; and Lloyds lost its chief data and analytics officer, Ranil Boteju, to Commonwealth Bank of Australia, replacing him in June 2026 with DBS's Sameer Gupta.[1][2][3][4][5][6][7][8][9][10][11][12][13]
Data as of Oct 20, 2026 · Lloyds profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does Lloyds lead its peers on AI?
01
The only UK bank in the group with a value figure
Lloyds says generative AI delivered about £50 million in 2025 from more than 50 solutions and expects more than £100 million in 2026. NatWest reports hours saved (more than 70,000 a year from call summarisation) and Barclays more than 1 million hours saved in 2025, without a value figure; Santander targets more than EUR 1 billion a year by 2028.[2][3][14][9][4]
02
Highest UK bank on Evident's 2026 index
Evident's AI Index published October 6, 2026 placed Lloyds 15th of 50 banks, ahead of NatWest (17th) and Barclays (19th); Lloyds had risen from 27th the year before. HSBC was in Evident's 2025 top ten and Commonwealth Bank of Australia is fourth.[1][15][16][17]
03
Agents on live customer calls
Since June 2026, multiple AI agents built on Lloyds' Envoy platform perform identity checks, transaction analysis and scam-risk assessment during fraud calls, with colleagues able to override. NatWest's Fraud Triage Agent had handled nearly 19,000 conversations by September 2026.[6][5][18]
04
An in-app financial assistant with half a million users
Lloyds' AI financial assistant was with more than 500,000 Bank of Scotland customers in June 2026, ahead of a full rollout. Starling launched what it calls the UK's first agentic AI financial assistant in March 2026; NatWest's Cora handled 7.1 million conversations in the first half of 2026.[7][19][20]
Where does Lloyds trail its peers on AI?
01
Lower staff tool coverage than Barclays and HSBC
Lloyds reports 40,000 Microsoft 365 Copilot licences with 97% active (June 2026) and an AI Academy open to 67,000 colleagues. Barclays says around 90% of colleagues use Copilot, HSBC about 85% are enabled with a gen-AI tool, and NatWest that all 60,000 colleagues have AI tools.[10][7][9][8][21]
02
Less AI-written code on the record than NatWest or Santander
Lloyds reports more than 11,000 engineers on GitHub Copilot and about 50% less legacy code conversion time. NatWest says more than 40% of its code is written with AI (May 2026) and Santander 40% (June 2026); Barclays targets Claude Code for half its developers by the end of 2026.[22][11][23][24]
03
AI leadership turnover
Ranil Boteju, Lloyds' chief data and analytics officer since 2021, left to become Commonwealth Bank of Australia's Chief AI Officer (announced November 2025); Sameer Gupta joined from DBS as chief data and AI officer in June 2026. HSBC named its first group chief AI officer from April 2026.[12][13][25]
Where does Lloyds 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 |
|---|---|---|---|---|---|---|---|
| HSBC | 88.5 | #6 of 140 | 27 | 27 | 9 of 21 | 28 | HSBC Productivity Suite and the central AI platform[26][25][27][28][29] |
| Commonwealth Bank of Australia | 88.2 | #7 of 140 | 20 | 28 | 16 of 20 | 25 | AI Factory, Customer Engagement Engine and CommBank Companion[30][31][32][33][34] |
| Lloyds Banking Group (this page) | 83.6 | #13 of 140 | 20 | 22 | 11 of 19 | 23 | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform[5][6][10][35] |
| BBVA | 77.2 | #27 of 140 | 11 | 45 | 12 of 19 | 30 | ChatGPT Enterprise, BBVA Assistants and The Eight[36][37][38][39][40][41][42][43] |
| Barclays PLC | 76 | #31 of 140 | 24 | 10 | 13 of 20 | 18 | Group AI stack: Microsoft 365 Copilot, Claude and BARXBot[9][44][24][45][46] |
| The Toronto-Dominion Bank (TD Bank Group) | 75.3 | #34 of 140 | 23 | 17 | 8 of 15 | 18 | Layer 6, TD AI Prism and the agentic RESL model[47][48][49][50][51] |
| NatWest Group plc | 75.1 | #35 of 140 | 18 | 19 | 11 of 19 | 20 | Cora and the internal GenAI stack[52][14][18][53][54][20] |
| Banco Santander | 71.3 | #46 of 140 | 12 | 22 | 11 of 19 | 21 | Group Data & AI function inside ONE Transformation, with a multi-provider model stack[23][55][56] |
| ING Groep N.V. | 65.2 | #53 of 140 | 15 | 17 | 10 of 16 | 14 | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee[57][58][59] |
On which parts of the AI record is Lloyds ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of Lloyds and the 8 peers that are scored on the same basis. "Place" is Lloyds's position in the group of 9 (1st = most).
| Component (weight) | Lloyds | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 20 | 19 | HSBC (27) | 4th of 9 |
| Use cases in production (10%) | 11 | 11 | Commonwealth Bank (16) | 4th of 9 |
| Own primary disclosures (10%) | 22 | 20.5 | BBVA (45) | 4th of 9 |
| Dated moves, last 12 months (10%) | 23 | 20.5 | BBVA (30) | 4th of 9 |
| Disclosed numbers (5%) | 24 | 21.5 | BBVA (25) | 2nd of 9 |
| Named AI leaders (5%) | 16 | 12 | TD Bank Group (19) | 3rd of 9 |
| Use cases described (5%) | 19 | 19 | HSBC (21) | 4th of 9 |
What has each bank in Lloyds'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 |
|---|---|---|---|---|---|
| Lloyds Banking Group | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform[5][6][10][35] | 16, incl. Charlie Nunn (Group Chief Executive)[3][60][61] | Value delivered by generative AI in 2025: About £50 million (more than 50 solutions deployed) (Dec 31, 2025)[2][62] | 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)[63][64] | 5 open AI roles (Oct 5, 2026); most in ML & data science |
| NatWest Group plc | Cora and the internal GenAI stack[52][14][18][53][54][20] | 9, incl. Paul Thwaite (Group Chief Executive Officer)[52][20][65] | Cora journeys enhanced with GenAI: 21 (17 added during 2025); all journeys targeted by end-2026 (Dec 31, 2025)[52][14] | Not disclosed | Not surveyed |
| Barclays PLC | Group AI stack: Microsoft 365 Copilot, Claude and BARXBot[9][44][24][45][46] | 11, incl. C.S. Venkatakrishnan (Group Chief Executive)[9][66] | AI tools and models in use across the group: More than 250 (Feb 10, 2026)[9] | 5 patents listed on the profile, e.g. US 2025/0053473 A1 (Event handling for digitalised processes: status-indicator confidence model and flag, classified under machine learning)[67] | 10 open AI roles (Oct 5, 2026); most in AI engineering |
| HSBC | HSBC Productivity Suite and the central AI platform[26][25][27][28][29] | 12, incl. Georges Elhedery (Group Chief Executive, HSBC Holdings)[68][25][69] | Colleagues with a gen-AI productivity tool: c.85%; 31,000 engineers with an AI coding assistant (Feb 25, 2026)[8][68] | 7 patents listed on the profile, e.g. US 2024/0412221 A1 (Machine learning using adversarial learning and data transformation)[70] | Not surveyed |
| Banco Santander | Group Data & AI function inside ONE Transformation, with a multi-provider model stack[23][55][56] | 12, incl. Ana Botín (Group Executive Chair)[4][71] | Split of the 2028 AI target as reported by Bloomberg: about EUR 300m of revenue and about EUR 700m of cost cuts (Feb 25, 2026)[71] | Not disclosed | Not surveyed |
| Commonwealth Bank of Australia | AI Factory, Customer Engagement Engine and CommBank Companion[30][31][32][33][34] | 16, incl. Matt Comyn (Chief Executive Officer)[72][34][32] | 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)[73] | 1 patent listed on the profile, e.g. US 2025/0307709 A1 (Vector embedder for non-natural language data)[74] | 9 open AI roles (Oct 5, 2026); most in ML & data science |
| BBVA | ChatGPT Enterprise, BBVA Assistants and The Eight[36][37][38][39][40][41][42][43] | 17, incl. Carlos Torres Vila (Chair)[37][43] | Employees using ChatGPT Enterprise: About 100,000 (70%-plus weekly active; about 3 hours saved per employee per week) (Jun 11, 2026)[39] | 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)[75] | Not surveyed |
| ING Groep N.V. | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee[57][58][59] | 12, incl. Steven van Rijswijk (Chief Executive Officer, ING Groep)[58][76][77] | (Gen)AI pilots moved into production: More than 90% (Mar 18, 2026)[78] | Not disclosed | Not surveyed |
| The Toronto-Dominion Bank (TD Bank Group) | Layer 6, TD AI Prism and the agentic RESL model[47][48][49][50][51] | 19, incl. Raymond Chun (Group President and CEO, TD Bank Group)[50][79][80] | Medium-term AI value target: C$1 billion a year (C$500 million revenue uplift, C$500 million cost savings) (Aug 27, 2026)[80][81] | 10 patents listed on the profile, e.g. US 2025/0119396 A1 (Charge card knowledge chatbot using a large language model)[82] | Not surveyed |
What are the latest dated moves on the AI record of Lloyds and its peers?
The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.
| Date | Bank | Move |
|---|---|---|
| Oct 14, 2026 | Commonwealth Bank | AGM: Comyn calls for AI regulation to keep pace[83][84] |
| Oct 13, 2026 | TD Bank Group | Agentic AI extended to mortgage funding and discharge[85][86] |
| Oct 13, 2026 | BBVA | First European bank to join the Poppy agent protocol[87] |
| Oct 9, 2026 | BBVA | Algorithmic trading: models plus generative agents on the desk[88] |
| Oct 9, 2026 | HSBC | AI-agent micropayment test with Ant Digital[89] |
| Oct 7, 2026 | HSBC | UK wealth restructuring tied to AI reported[90][91] |
| Oct 6, 2026 | TD Bank Group | Evident AI Banking Index 2026: TD returns to 10th[92] |
| Oct 6, 2026 | Commonwealth Bank | 2026 Evident AI Index keeps CBA fourth globally[17] |
| Oct 6, 2026 | NatWest | Evident AI Index places NatWest 17th[1] |
| Oct 6, 2026 | Lloyds | Evident AI index 2026: 15th again[93] |
| Oct 1, 2026 | Barclays | Anthropic collaboration expanded[24][94][95][96] |
| Oct 1, 2026 | Barclays | Co-COO on model choice and agentic AI[97] |
| Sep 25, 2026 | NatWest | Voice-to-voice Spending Insights trial and Fraud Triage Agent[18][98] |
| Sep 23, 2026 | ING | CEO at the BofA conference: 600 AI staff, Google as main partner[58][77] |
| Sep 23, 2026 | Santander | Santander AI Lab releases the A2K protocol suite[99] |
| Sep 22, 2026 | ING | Six banks publish principles for agentic commerce[100][101] |
| Aug 20, 2026 | Lloyds | £100 million future-skills investment[102] |
| Jul 30, 2026 | Santander | One evaluation framework for AI products across their life[103] |
How do Lloyds, NatWest, Barclays and HSBC compare on AI?
Each bank's own figures. Reach is defined differently (licences, adoption, enablement), so compare the definitions as well as the numbers.
| Bank | Staff tools | Headline figure | Evident AI Index |
|---|---|---|---|
| Lloyds | 40,000 Microsoft 365 Copilot licences (97% active); Athena for 40,000 colleagues | About £50 million of GenAI value in 2025; more than £100 million expected in 2026 | 15th (October 2026)[10][22][2][1] |
| NatWest | AI tools for all 60,000 colleagues; 271,000 learning modules completed | Cora: 12.9 million conversations in 2025, half without a human | 17th (October 2026)[21][52][1] |
| Barclays | Microsoft 365 Copilot for around 90% of colleagues (about 100,000 licences) | More than 1 million hours saved in 2025; more than 250 AI tools and models in use | 19th (October 2026)[9][46][1] |
| HSBC | About 85% of colleagues enabled; 200,000 Copilot seats committed | More than 600 AI use cases in operation | Top ten (2025 edition)[8][104][29][16] |
How does Lloyds' AI value figure compare with what its peers publish?
Each bank's own definition and period; Lloyds counts generative AI only, so the figures are not like for like.
| Bank | What it discloses | Figure | As of |
|---|---|---|---|
| Lloyds | Value delivered by generative AI | About £50 million in 2025; more than £100 million expected in 2026; AI productivity benefit of 0.4 to 1.2 percentage points a year | July 30, 2026[2][3][22] |
| Santander | Business value from data and AI | EUR 84 million in H1 2026; more than EUR 1 billion a year targeted by 2028 | July 22, 2026[105][4] |
| Commonwealth Bank of Australia | Measured gross benefits from AI use cases | About A$200 million in FY26; expected to double in FY27 | June 30, 2026[73] |
| TD Bank Group | AI value delivered against a C$1 billion medium-term target | C$195 million in the first three quarters of fiscal 2026 | July 31, 2026[80] |
| NatWest | Hours saved and investment, not value | More than 70,000 hours a year from AI call summarisation; £1.2 billion invested in technology, data and AI in 2025 | December 31, 2025[14][106] |
| Barclays | Hours saved and efficiency targets | More than 1 million hours saved in 2025; about £2 billion of gross efficiency savings targeted over three years | February 10, 2026[9] |
How do Lloyds' agents and customer assistant compare with UK rivals'?
| Bank | What it runs | Scale | As of |
|---|---|---|---|
| Lloyds | Envoy agent platform with an Agent Marketplace; fraud-support agents; AI financial assistant | More than 500,000 Bank of Scotland customers on the assistant; nearly 300 agentic AI roles to recruit | May-June 2026[5][6][7] |
| NatWest | Cora with GenAI journeys; Fraud Triage Agent; app in ChatGPT | 7.1 million Cora conversations in H1 2026; nearly 19,000 Fraud Triage Agent conversations | June-September 2026[20][18] |
| Barclays | Colleague Knowledge Assistant on Claude; BARXBot | 16,000-plus UK colleagues; more than 1 million searches | October 1, 2026[24] |
| Starling | Starling Assistant, an agentic in-app assistant | Personal customers from March 2026; all business customers from August 2026 | August 24, 2026[19][107] |
| Monzo | AI self-service for customer chats | 62% of inbound chats handled, 55% resolved without a human | 2026[108] |
How are UK regulators shaping AI at Lloyds and its rivals?
The FCA's AI Live Testing programme lets firms trial AI with the regulator before wider launch. The FCA named Lloyds (through Scottish Widows) among eight firms in its second cohort in April 2026, when Scottish Widows was piloting an AI investment guidance tool that Reuters described as a first for a UK lender; NatWest takes part with an agentic complaints-handling use case, and Monzo has published what it learned from testing an AI savings feature.[109][110][111][112]
Frontier models are now a supervisory topic. In June 2026 OpenAI opened its GPT-5.5 Cyber model to nine major UK banks, with HSBC among them, after Bank of England Governor Andrew Bailey said on May 29 that UK banks lacked access to the newest models and that access mattered; Finextra reported NatWest already had access to the same OpenAI cybersecurity model.[113][114][115]
Which banks are Lloyds's peers, and why these?
Lloyds Banking Group is compared here with NatWest Group plc, Barclays PLC, HSBC, Banco Santander, Commonwealth Bank of Australia, BBVA, ING Groep N.V. and The Toronto-Dominion Bank (TD Bank Group): chosen by the editors for this page (see the note below the table). Lloyds Banking Group is classed as a regional or retail-commercial bank headquartered in United Kingdom.
The computed group compared Lloyds with Asian and Canadian lenders but left out three of its UK high-street rivals, so this page puts the UK banks first (NatWest, Barclays, HSBC, Santander, whose UK bank competes with Lloyds) and keeps the retail-led groups that, like Lloyds, publish AI value or run large digital banks (Commonwealth Bank of Australia, BBVA, ING, TD).
Is Lloyds better than NatWest at AI?
The record cannot settle capability. On disclosure, Lloyds scores 83.6 on this site's index against NatWest's 75.1, and Evident's October 2026 index ranked Lloyds 15th and NatWest 17th. Lloyds publishes a value figure (about £50 million from GenAI in 2025); NatWest publishes more on AI-written code (over 40%) and Cora's conversation volumes.[1][2][11][52]
Which UK bank is the most advanced in AI?
Rankings differ by measure. Among UK-headquartered banks on this site's index, HSBC (88.5) leads, then Lloyds (83.6), with Barclays (76) and NatWest (75.1) close together behind it. Evident's 2026 index ranked Lloyds 15th of 50, NatWest 17th and Barclays 19th; Lloyds calls itself the top UK domestic bank on that index.[1][22]
How does Lloyds' AI financial assistant compare with Starling's?
Lloyds' AI financial assistant gives personalised guidance on spending and savings and was with more than 500,000 Bank of Scotland customers by June 2026. Starling launched Starling Assistant, which it calls the UK's first agentic AI financial assistant, to personal customers in March 2026 and to all business customers in August 2026.[7][19][107]
How does Lloyds' AI spending compare with Barclays'?
Neither publishes an AI budget. Lloyds targets about £2 billion of gross cost savings by 2030 under Accelerate 2030 and has committed £100 million to future skills; Barclays targets about £2 billion of gross efficiency savings over three years and reports more than 1 million hours saved by Copilot in 2025.[3][102][9]
Who leads AI at Lloyds compared with HSBC?
Sameer Gupta, formerly DBS's chief analytics officer, became Lloyds' chief data and AI officer in June 2026, reporting to Group COO Ron van Kemenade; Rohit Dhawan is Group Head of AI. HSBC appointed David Rice its first group chief AI officer from April 1, 2026.[13][25]
Does Lloyds use Google or Microsoft for AI?
Both. Envoy, its agent platform, was built with Google Cloud, and more than 300 data scientists and AI developers use Vertex AI; colleagues use Microsoft 365 Copilot and engineers GitHub Copilot. Barclays has added Anthropic's Claude to its stack, and NatWest works with OpenAI.[5][35][10][24][53]
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- Interview: How ING reaps benefits of centralising AI (undated page, retrieved 2026-10-05)
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- AI will support all Lloyds Bank customer interactions by 2030 (undated page, retrieved 2026-10-05)
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- Earnings call transcript: ING beats Q2 2026 forecasts and lifts outlook
- ING Group Raises 2027 ROE Target Above 16% as Revenue, AI Drive Growth
- Driving value through digitalisation, scalability and (Gen)AI (Morgan Stanley European Financials Conference 2026 presentation)
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- The Most Powerful Women in Banking Women to Watch, #24, Anne Marie Darling, Barclays
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- Monzo Annual Report and Accounts 2026
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