# Banco Santander vs peers: AI and technology compared

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

*Part of the [Banco Santander AI strategy profile](https://www.bankingnewsai.com/banks/santander). Peer group: BBVA, ING Groep N.V., BNP Paribas SA, Lloyds Banking Group, NatWest Group plc, Barclays PLC, HSBC, JPMorgan Chase, Capital One.*

## How does Banco Santander compare with its peers on AI and technology?

Banco Santander scores 71.3 on this site's AI disclosure reference score, #46 of 140 banks and ninth in its 10-bank peer group: behind HSBC (88.5), JPMorgan Chase (87.5), Capital One (85.2), Lloyds (83.6), BBVA (77.2), Barclays (76) and NatWest (75.1), close to BNP Paribas (72) and ahead of ING (65.2). The score measures what is on the record, not capability; Santander's weakest component is independent coverage, ninth of 10. Three things separate it from named peers. First, a priced and tracked AI target: more than EUR 1 billion of annual business value by 2028 (investor day, 25 February 2026), with EUR 35 million booked in the first quarter of 2026 and EUR 84 million in the first half; BNP Paribas reports about EUR 600 million to date and Lloyds about £50 million for 2025. Second, AI in software at scale: 40% of code was developed by AI in June 2026 and 17,000 people used agentic AI in software development in May, against more than 40% of code at NatWest and a 28% developer productivity gain at BBVA. Third, agentic payments on two card networks: Santander says it executed Europe's first live AI-agent payment with Mastercard Agent Pay on 2 March 2026 and ran Visa Intelligent Commerce purchases in five Latin American markets ten days later; ING describes a June 2026 Worldline and Mastercard transaction as Europe's first end-to-end agentic payment. Where Santander trails: BBVA, its home-market rival, gives ChatGPT Enterprise to all 120,000 employees and ranked first among eurozone banks in Evident's 2026 index, and Capital One has ranked second on Evident's index for four editions. ([Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [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/content/dam/santander-com/en/documentos/informacion-privilegiada/2026/07/hr-2026-07-22-second-quarter-2026-results-press-release-en.pdf), [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html), [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), [BBVA](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents), [Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction), [OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://bbva.com/en/innovation/bbva-ranks-first-among-eurozone-banks-for-its-ai-strategy-according-to-evident), [American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens))

## Where does Santander lead its peers on AI?

- **An AI value target with quarterly tracking.** Santander targets more than EUR 1 billion of annual business value from data and AI by 2028 and reported EUR 35 million in the first quarter of 2026 and EUR 84 million in the first half, expecting more than EUR 200 million for the year. HSBC and Barclays publish no AI value figure. ([Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [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/content/dam/santander-com/en/documentos/informacion-privilegiada/2026/07/hr-2026-07-22-second-quarter-2026-results-press-release-en.pdf), [Google Cloud (PR Newswire)](https://www.prnewswire.com/news-releases/hsbc-and-google-cloud-announce-transformative-ai-banking-partnership-302802395.html), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))
- **AI writes 40% of its code.** Santander says 40% of all code developed in June 2026 came from AI and that 17,000 people used agentic AI in software development in May 2026. NatWest reports over 40% of code written with AI in 2025, Barclays about 15% faster implementation on GitLab, and BBVA a 28% developer productivity gain. ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [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), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [BBVA](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/))
- **Agentic payments on both card networks and its own acquirer.** Santander ran a live agent-executed payment with Mastercard Agent Pay in Europe (2 March 2026, a controlled pilot), Visa Intelligent Commerce purchases in Argentina, Brazil, Chile, Mexico and Uruguay (12 March), and launched Getnet infrastructure for merchants to accept agent-initiated payments (9 June). HSBC's agentic card tests are in the UK and Hong Kong. ([Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents), [Banco Santander](https://www.santander.com/en/press-room/press-releases/2026/06/getnet-develops-infrastructure-that-enables-businesses-to-accept-ai-agent-initiated-payments), [Finextra](https://finextra.com/pressarticle/110423/hsbc-uk-trials-ai-shopping-with-visa), [Mastercard](https://mastercard.com/news/ap/en-hk/newsroom/press-releases/en-hk/2026/mastercard-completes-its-first-live-agentic-transaction-in-hong-kong))
- **AI access for every employee.** Santander opened AI access to all 185,000 employees from 22 June 2026, up from nearly 40,000 active users, and runs more than 280 process-automation agents in production. BBVA gives ChatGPT Enterprise to all 120,000 of its employees, and BNP Paribas has onboarded 100,000 people to its Group AI platform. ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BNP Paribas](https://invest.bnpparibas/document/2q26-slides))

## Where does Santander trail its peers on AI?

- **Behind BBVA at home on outside rankings and partner depth.** Evident's 2026 AI Index ranked BBVA first among eurozone banks and third in Europe; BBVA is also a founding partner and shareholder in OpenAI's Deployment Company (May 2026) and counts 1,127 AI use cases in production. Santander's portfolio holds more than 1,000 data and AI initiatives, without a production count. ([BBVA](https://bbva.com/en/innovation/bbva-ranks-first-among-eurozone-banks-for-its-ai-strategy-according-to-evident), [BBVA](https://bbva.com/en/innovation/bbva-joins-deployco-openais-new-company-to-accelerate-ai-enterprise-transformation), [BBVA](https://bbva.com/en/innovation/data-innovation), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf))
- **Little independent coverage.** Santander ranks ninth of 10 in the peer group on independent sources, the heaviest-weighted part of this site's score; most of its AI record comes from its own releases and reports. JPMorgan leads the group on independent coverage, and Capital One has ranked second on Evident's index for four editions. ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens))
- **No AI-linked workforce number while ING publishes one.** Santander has set no AI-linked job target; Reuters reported early-retirement talks in Spain in June 2026 and a reduction of about 14,000 group roles over two years. ING expects about 1,250 fewer Operations FTEs in 2026, among others in KYC, and Lloyds says it will recruit almost 300 agentic AI roles. ([Reuters via Yahoo Finance](https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/1000-new-ai-roles.html))

## Where does Santander 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](https://www.bankingnewsai.com/banks/hsbc) | 88.5 | #6 of 140 | [27](https://www.bankingnewsai.com/banks/hsbc#sources) | [27](https://www.bankingnewsai.com/banks/hsbc#sources) | [9 of 21](https://www.bankingnewsai.com/banks/hsbc#where) | [28](https://www.bankingnewsai.com/banks/hsbc#timeline) | HSBC Productivity Suite and the central AI platform ([HSBC Holdings plc](https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260225-annual-report-and-accounts-2025.pdf), [HSBC Holdings plc](https://hsbc.com/-/files/hsbc/media/media-release/2026/260323-david-rice-announced-as-chief-ai-officer.pdf), [HSBC Holdings plc](https://hsbc.com/-/files/hsbc/media/media-release/2025/251201-hsbc-and-mistral-ai-join-forces-to-accelerate-ai-adoption-across-global-bank.pdf), [Google Cloud (PR Newswire)](https://www.prnewswire.com/news-releases/hsbc-and-google-cloud-announce-transformative-ai-banking-partnership-302802395.html), [HSBC Holdings plc](https://www.hsbc.com/who-we-are/hsbc-and-digital/hsbc-and-ai/transforming-hsbc-with-ai)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 87.5 | #9 of 140 | [43](https://www.bankingnewsai.com/banks/jpmorgan-chase#sources) | [20](https://www.bankingnewsai.com/banks/jpmorgan-chase#sources) | [8 of 15](https://www.bankingnewsai.com/banks/jpmorgan-chase#where) | [32](https://www.bankingnewsai.com/banks/jpmorgan-chase#timeline) | LLM Suite ([American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai), [American Banker](https://www.americanbanker.com/video/wib-2025/driving-ai-use-cases-and-adoption-aligning-business-value-data-readiness-and-risk-management)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | 85.2 | #11 of 140 | [25](https://www.bankingnewsai.com/banks/capital-one#sources) | [45](https://www.bankingnewsai.com/banks/capital-one#sources) | [13 of 13](https://www.bankingnewsai.com/banks/capital-one#where) | [25](https://www.bankingnewsai.com/banks/capital-one#timeline) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) |
| [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)) |
| [Barclays PLC](https://www.bankingnewsai.com/banks/barclays) | 76 | #31 of 140 | [24](https://www.bankingnewsai.com/banks/barclays#sources) | [10](https://www.bankingnewsai.com/banks/barclays#sources) | [13 of 20](https://www.bankingnewsai.com/banks/barclays#where) | [18](https://www.bankingnewsai.com/banks/barclays#timeline) | Group AI stack: Microsoft 365 Copilot, Claude and BARXBot ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude), [Barclays](https://home.barclays/insights/2025/07/scaling-AI-at-Barclays), [Barclays PLC (SEC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm)) |
| [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)) |
| [BNP Paribas SA](https://www.bankingnewsai.com/banks/bnp-paribas) | 72 | #43 of 140 | [16](https://www.bankingnewsai.com/banks/bnp-paribas#sources) | [19](https://www.bankingnewsai.com/banks/bnp-paribas#sources) | [12 of 20](https://www.bankingnewsai.com/banks/bnp-paribas#where) | [19](https://www.bankingnewsai.com/banks/bnp-paribas#timeline) | LLM as a Service, with Mistral AI and Google Cloud ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-provides-its-businesses-with-an-llm-as-a-service-platform-to-accelerate-the-industrialization-of-generative-ai-use-cases), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [BNP Paribas](https://invest.bnpparibas/document/2q26-slides), [Finextra](https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud)) |
| [Banco Santander (this page)](https://www.bankingnewsai.com/banks/santander) | 71.3 | #46 of 140 | [12](https://www.bankingnewsai.com/banks/santander#sources) | [22](https://www.bankingnewsai.com/banks/santander#sources) | [11 of 19](https://www.bankingnewsai.com/banks/santander#where) | [21](https://www.bankingnewsai.com/banks/santander#timeline) | Group Data & AI function inside ONE Transformation, with a multi-provider model stack ([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/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf), [Banco Santander](https://www.santander.com/en/stories/driving-our-transformation-with-the-creation-of-the-global-data-ai-function)) |
| [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 Santander ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Santander and the 9 peers that are scored on the same basis. "Place" is Santander's position in the group of 10 (1st = most).

| Component (weight) | Santander | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 12 | 20 | [JPMorgan (43)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 9th of 10 |
| Use cases in production (10%) | 11 | 11 | [Barclays (13)](https://www.bankingnewsai.com/banks/barclays) | 5th of 10 |
| Own primary disclosures (10%) | 22 | 20 | [BBVA (45)](https://www.bankingnewsai.com/banks/bbva) | 4th of 10 |
| Dated moves, last 12 months (10%) | 21 | 23 | [JPMorgan (32)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 6th of 10 |
| Disclosed numbers (5%) | 21 | 22 | [BBVA (25)](https://www.bankingnewsai.com/banks/bbva) | 7th of 10 |
| Named AI leaders (5%) | 12 | 12 | [JPMorgan (19)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 4th of 10 |
| Use cases described (5%) | 19 | 19 | [HSBC (21)](https://www.bankingnewsai.com/banks/hsbc) | 4th of 10 |

## What has each bank in Santander'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 |
| --- | --- | --- | --- | --- | --- |
| [Banco Santander](https://www.bankingnewsai.com/banks/santander) | Group Data & AI function inside ONE Transformation, with a multi-provider model stack ([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/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf), [Banco Santander](https://www.santander.com/en/stories/driving-our-transformation-with-the-creation-of-the-global-data-ai-function)) | [12, incl. Ana Botín (Group Executive Chair)](https://www.bankingnewsai.com/banks/santander#people) ([Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) | 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) ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) | Not disclosed | Not surveyed |
| [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 |
| [BNP Paribas SA](https://www.bankingnewsai.com/banks/bnp-paribas) | LLM as a Service, with Mistral AI and Google Cloud ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-provides-its-businesses-with-an-llm-as-a-service-platform-to-accelerate-the-industrialization-of-generative-ai-use-cases), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [BNP Paribas](https://invest.bnpparibas/document/2q26-slides), [Finextra](https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud)) | [8, incl. Jean-Laurent Bonnafé (Chief Executive Officer)](https://www.bankingnewsai.com/banks/bnp-paribas#people) ([Reuters](https://reuters.com/business/finance/bnp-paribas-vows-more-cost-cuts-after-profit-tops-forecast-2026-02-05), [Bloomberg](https://bloomberg.com/news/articles/2026-03-26/bnp-paribas-set-to-roll-out-ai-companion-for-all-staff), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-posts-strong-q2-2026-growth-93CH-4809058)) | AI use cases already in place: More than 800 (Oct 5, 2026) ([BNP Paribas](https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence)) | 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 |
| [Barclays PLC](https://www.bankingnewsai.com/banks/barclays) | Group AI stack: Microsoft 365 Copilot, Claude and BARXBot ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude), [Barclays](https://home.barclays/insights/2025/07/scaling-AI-at-Barclays), [Barclays PLC (SEC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm)) | [11, incl. C.S. Venkatakrishnan (Group Chief Executive)](https://www.bankingnewsai.com/banks/barclays#people) ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Reuters](https://reuters.com/business/finance/banks-close-contact-with-european-regulator-anthropics-mythos-banker-says-2026-04-20)) | AI tools and models in use across the group: More than 250 (Feb 10, 2026) ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html)) | 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) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250053473A1/en)) | [10 open AI roles (Oct 5, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/barclays#roles) |
| [HSBC](https://www.bankingnewsai.com/banks/hsbc) | HSBC Productivity Suite and the central AI platform ([HSBC Holdings plc](https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260225-annual-report-and-accounts-2025.pdf), [HSBC Holdings plc](https://hsbc.com/-/files/hsbc/media/media-release/2026/260323-david-rice-announced-as-chief-ai-officer.pdf), [HSBC Holdings plc](https://hsbc.com/-/files/hsbc/media/media-release/2025/251201-hsbc-and-mistral-ai-join-forces-to-accelerate-ai-adoption-across-global-bank.pdf), [Google Cloud (PR Newswire)](https://www.prnewswire.com/news-releases/hsbc-and-google-cloud-announce-transformative-ai-banking-partnership-302802395.html), [HSBC Holdings plc](https://www.hsbc.com/who-we-are/hsbc-and-digital/hsbc-and-ai/transforming-hsbc-with-ai)) | [12, incl. Georges Elhedery (Group Chief Executive, HSBC Holdings)](https://www.bankingnewsai.com/banks/hsbc#people) ([HSBC Holdings plc](https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260226-annual-results-to-investors-and-analysts-transcript.pdf), [HSBC Holdings plc](https://hsbc.com/-/files/hsbc/media/media-release/2026/260323-david-rice-announced-as-chief-ai-officer.pdf), [Reuters](https://reuters.com/legal/legalindustry/dont-fight-ai-hsbc-ceo-tells-staff-banks-begin-job-cuts-2026-05-20)) | Colleagues with a gen-AI productivity tool: c.85%; 31,000 engineers with an AI coding assistant (Feb 25, 2026) ([HSBC Holdings plc](https://hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260225-annual-results-2025-presentation-to-investors-and-analysts.pdf), [HSBC Holdings plc](https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260226-annual-results-to-investors-and-analysts-transcript.pdf)) | 7 patents listed on the profile, e.g. US 2024/0412221 A1 (Machine learning using adversarial learning and data transformation) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240412221A1/en)) | Not surveyed |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite ([American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai), [American Banker](https://www.americanbanker.com/video/wib-2025/driving-ai-use-cases-and-adoption-aligning-business-value-data-readiness-and-risk-management)) | [19, incl. Lori Beer (Global Chief Information Officer)](https://www.bankingnewsai.com/banks/jpmorgan-chase#people) ([American Banker](https://www.americanbanker.com/news/chases-lori-beer-is-8-on-the-most-innovative-people-in-finance-ranking)) | Technology employees: 65,000+ (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-5-lori-beer-jpmorganchase)) | 6 patents listed on the profile, e.g. US 2026/0010713 A1 (Generative ML framework producing predictive results on financial transactions) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260010713A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/jpmorgan-chase#roles) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) | [9, incl. Richard Fairbank (Founder, Chairman and CEO)](https://www.bankingnewsai.com/banks/capital-one#people) ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000119312526124157/d860581dars.pdf)) | Evident AI index rank: #2 of 50 (four editions running) (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-capital-one-top-ai-ranking-once-again), [American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) | 2 patents listed on the profile, e.g. EP4776166A1: Safeguarding user-facing AI models (Published application) ([Google Patents (EPO)](https://patents.google.com/patent/EP4776166A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/capital-one#roles) |

## What are the latest dated moves on the AI record of Santander 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 13, 2026 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| 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 9, 2026 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | AI-agent micropayment test with Ant Digital ([Ant Digital Technologies (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/ant-digital-technologies-hsbc-announce-063000243.html)) |
| 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 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | UK wealth restructuring tied to AI reported ([Investing.com](https://investing.com/news/stock-market-news/hsbc-plans-deep-job-cuts-in-uk-wealth-management-as-it-expands-ai-use-ft-reports-4935586), [AFP (via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/hsbc-consults-over-uk-unit-142727951.html)) |
| Oct 6, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| Oct 6, 2026 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Evident AI Index: first for the fourth consecutive year ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) |
| 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 1, 2026 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | Anthropic collaboration expanded ([Anthropic](https://www.anthropic.com/news/barclays-scales-claude), [Bloomberg](https://bloomberg.com/news/articles/2026-10-01/barclays-expands-use-of-anthropic-s-claude-in-efficiency-push), [Bloomberg via Yahoo Finance](https://finance.yahoo.com/technology/ai/articles/barclays-expands-anthropic-claude-efficiency-080000629.html), [Finextra](https://www.finextra.com/newsarticle/48519/barclays-ramps-up-use-of-anthropics-claude)) |
| Oct 1, 2026 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | Co-COO on model choice and agentic AI ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-24-anne-marie-darling-barclays)) |
| Sep 29, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Natarajan: cutting latency and token costs with smaller, open-weight models ([Fortune](http://fortune.com/2026/09/29/how-banks-are-using-ai-agents-copilots-roi)) |
| 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 24, 2026 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | Five-year Google Cloud partnership for agentic AI ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [Finextra](https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud)) |
| 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 23, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander) | Santander AI Lab releases the A2K protocol suite ([Banco Santander](https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge)) |
| Sep 22, 2026 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | Strategy update ties AI to support-function efficiency ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-leverages-its-leading-franchises-to-advance-a-compelling-growth-trajectory-through-europe-s-major-transformations)) |
| 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 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)) |
| Jul 30, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander) | One evaluation framework for AI products across their life ([Banco Santander](https://santander.com/en/stories/when-speed-meets-quality-how-we-make-ai-products-measurable-at-santander)) |

## How does Santander's AI value target compare with what its peers disclose?

Management figures, not audited results, in each bank's own currency and definition.

| Bank | AI value or AI-linked target | Basis | As of |
| --- | --- | --- | --- |
| Santander | EUR 84 million in H1 2026; more than EUR 200 million expected in 2026; more than EUR 1 billion a year by 2028 | Results release; investor day | 30 June 2026 ([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), [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/press-room/press-releases/2026/02/2026-santander-investor-day)) |
| BNP Paribas | About EUR 600 million to date; EUR 750 million targeted by end-2026 | Results call | 5 February 2026 ([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)) |
| Lloyds | About £50 million from generative AI in 2025; more than £100 million expected in 2026 | Results releases | January and July 2026 ([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)) |
| ING | About EUR 350 million of 2026 cost efficiencies; about 1,250 fewer Operations FTEs | Investor conference | 18 March 2026 ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf)) |
| BBVA | About three hours saved per employee per week among about 100,000 ChatGPT Enterprise users | OpenAI case study | 11 June 2026 ([OpenAI](https://openai.com/index/bbva/)) |
| NatWest | £1.2 billion invested in technology, data and AI transformation in 2025 | CIO | 31 December 2025 ([Finextra](https://finextra.com/newsarticle/47312/natwest-boasts-of-ai-benefits)) |
| HSBC | No group figure; prioritized Google Cloud projects each estimated above US$100 million | Partnership announcement | 17 June 2026 ([Google Cloud (PR Newswire)](https://www.prnewswire.com/news-releases/hsbc-and-google-cloud-announce-transformative-ai-banking-partnership-302802395.html)) |

## How do Santander's agentic payment pilots compare with its peers'?

All of these are pilots, controlled tests or standards work; none of the banks reports agentic payment volumes.

| Bank | What it did | Network or partner | Date |
| --- | --- | --- | --- |
| Santander | Live AI-agent payment in Europe in a controlled environment; Getnet acceptance of agent-initiated payments | Mastercard Agent Pay; Getnet | 2 March and 9 June 2026 ([Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf), [Banco Santander](https://www.santander.com/en/press-room/press-releases/2026/06/getnet-develops-infrastructure-that-enables-businesses-to-accept-ai-agent-initiated-payments)) |
| Santander | Controlled agentic purchases in five Latin American markets | Visa Intelligent Commerce | 12 March 2026 ([Banco Santander](https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents)) |
| ING | Live end-to-end agentic payment on European infrastructure; Visa Payment Passkeys test in Germany | Worldline and Mastercard; Visa | June and July 2026 ([Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction), [Worldline via GlobeNewswire](https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html)) |
| HSBC | Live AI-initiated purchase on an HSBC UK card; first live agentic transaction in Hong Kong | Visa; Mastercard | July and March 2026 ([Finextra](https://finextra.com/pressarticle/110423/hsbc-uk-trials-ai-shopping-with-visa), [Mastercard](https://mastercard.com/news/ap/en-hk/newsroom/press-releases/en-hk/2026/mastercard-completes-its-first-live-agentic-transaction-in-hong-kong)) |
| BBVA | First European bank to join the Poppy personal agent protocol | Sierra AI and Meta | 13 October 2026 ([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/)) |
| NatWest, ING, Capital One | Co-authored principles for trust in agentic commerce with ASB, Bank of America and Commonwealth Bank | Industry paper | 22 September 2026 ([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)) |

## How widely do Santander's employees and developers use AI compared with peers?

Each bank's own figure; definitions differ (access, active use, share of code).

| Bank | Colleague reach | Developer AI | As of |
| --- | --- | --- | --- |
| Santander | All 185,000 employees with AI access | 40% of code developed by AI; 17,000 people on agentic development | June 2026 ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees)) |
| BBVA | ChatGPT Enterprise for 120,000 employees, about 100,000 using it | Around 28% developer productivity gain with AI agents | June-October 2026 ([OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [OpenAI](https://openai.com/index/bbva/), [BBVA](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/)) |
| NatWest | AI tools for all 60,000 colleagues | Over 40% of code written with AI by more than 12,000 engineers | July 2026 ([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)) |
| Lloyds | Microsoft 365 E7 company-wide; 40,000 Copilot licences | More than 11,000 engineers on GitHub Copilot | June-July 2026 ([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)) |
| HSBC | Around 85% of colleagues enabled | 31,000 engineers on AI coding assistants | February 2026 ([HSBC Holdings plc](https://hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260225-annual-results-2025-presentation-to-investors-and-analysts.pdf), [HSBC Holdings plc](https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260226-annual-results-to-investors-and-analysts-transcript.pdf)) |
| Barclays | Around 90% of colleagues on Copilot | 19,000 developers on GitLab, about 15% faster | February 2026 ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html)) |
| BNP Paribas | 100,000 onboarded to 'My companion' | GitHub Copilot and Cursor under evaluation | May-July 2026 ([BNP Paribas](https://invest.bnpparibas/document/2q26-slides), [SiliconANGLE](https://siliconangle.com/2026/05/20/hybrid-ai-governance-now-critical-european-banking-ibmthink)) |
| ING | About 600 AI staff | Software engineering is one of five priority AI domains | September 2026 ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf)) |

## How does Santander's multi-provider model strategy compare with its peers'?

Santander buys from several model makers at once: Microsoft Copilot supports everyday productivity for all employees, while OpenAI's ChatGPT, Anthropic's Claude, Google's Gemini, startups and G42 (a memorandum signed 3 June 2026) cover specialized work. It says it does not share customer data externally to train third-party models, its 2025 annual report says it will create its own AI Studio to develop, train and adapt models, and in June 2026 Santander AI Lab published 11 open-source repositories under Apache 2.0. ([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/press-room/press-releases/2026/06/banco-santander-and-g42-sign-memorandum-of-understanding-to-explore-strategic-cooperation-in-artificial-intelligence), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf), [Banco Santander](https://www.santander.com/en/stories/santander-publishes-ai-projects-under-an-open-source-licence-to-ramp-up-shared-innovation))

Its closest rivals have each picked an anchor. BBVA's relationship with OpenAI runs from 3,300 ChatGPT Enterprise licences in May 2024 to all 120,000 employees and a stake in OpenAI's Deployment Company; BNP Paribas anchors on Mistral AI with Google Cloud added in September 2026; ING says Google is its main technology partner; Lloyds builds its Envoy agent platform with Google Cloud and deploys Microsoft 365 E7 company-wide. ([BBVA](https://bbva.com/en/innovation/bbva-expands-its-agreement-with-openai-to-11000-chatgpt-licences-for-the-banks-employees), [OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://bbva.com/en/innovation/bbva-joins-deployco-openais-new-company-to-accelerate-ai-enterprise-transformation), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [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/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf))

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

Banco Santander is compared here with BBVA, ING Groep N.V., BNP Paribas SA, Lloyds Banking Group, NatWest Group plc, Barclays PLC, HSBC, JPMorgan Chase and Capital One: chosen by the editors for this page (see the note below the table). Banco Santander is classed as a universal bank headquartered in Spain.

The computed group mixed Santander with investment-bank-heavy groups (Deutsche Bank, Société Générale, UBS) and with MUFG and RBC, so this page uses the banks Santander's own 2025 Form 20-F lists as its key peers by country: BBVA and ING in Spain, BNP Paribas in Poland, Lloyds, NatWest, Barclays and HSBC in the UK, and Chase and Capital One in the US.

## Common questions

### Is Santander better than BBVA at AI?

The record cannot settle capability. On disclosure, BBVA scores 77.2 on this site's reference score against Santander's 71.3, and Evident's 2026 index ranked BBVA first among eurozone banks. Santander publishes a priced target (more than EUR 1 billion a year by 2028) and quarterly results against it; BBVA publishes 1,127 use cases in production and usage of ChatGPT Enterprise. ([BBVA](https://bbva.com/en/innovation/bbva-ranks-first-among-eurozone-banks-for-its-ai-strategy-according-to-evident), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [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), [BBVA](https://bbva.com/en/innovation/data-innovation))

### How much value does Santander get from AI?

Santander reported EUR 35 million of AI business value in the first quarter of 2026 and EUR 84 million in the first half, from higher revenue, lower costs and lower loan-loss provisions, and expects more than EUR 200 million for 2026. Its target is more than EUR 1 billion a year by 2028, which Bloomberg reported as about EUR 300 million of revenue and EUR 700 million of cost cuts. ([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/content/dam/santander-com/en/documentos/informacion-privilegiada/2026/07/hr-2026-07-22-second-quarter-2026-results-press-release-en.pdf), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push))

### Which bank made Europe's first agentic payment, Santander or ING?

Both use the phrase for different tests. Santander and Mastercard described a live end-to-end payment executed by an AI agent through Santander's payments infrastructure on 2 March 2026, in a controlled environment. ING, Worldline and Mastercard described a June 2026 concert-ticket purchase on European infrastructure as Europe's first end-to-end agentic payment transaction. ([Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf), [Finextra](https://finextra.com/newsarticle/47371/santander-and-mastercard-complete-europes-first-live-agentic-ai-transaction), [Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction))

### How does Santander's use of AI in coding compare with other banks?

Santander says 40% of its code was developed by AI in June 2026 and 17,000 people used agentic AI in software development in May. NatWest reports more than 40% of code written with AI in 2025, HSBC 31,000 engineers on AI coding assistants, and Barclays 19,000 developers on GitLab with about 15% faster implementation. ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [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), [HSBC Holdings plc](https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260226-annual-results-to-investors-and-analysts-transcript.pdf), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))

### Which AI models does Santander use?

Several: Microsoft Copilot for everyday productivity across all 185,000 employees, and OpenAI's ChatGPT, Anthropic's Claude, Google's Gemini, startups and G42 for specialized capabilities. Santander says it does not share customer data externally to train third-party models and plans its own AI Studio to develop, train and adapt models. ([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/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf))

### Is Santander cutting jobs because of AI?

Santander has set no AI-linked job target. Reuters reported on 24 June 2026 that talks with unions on voluntary early retirement in Spain were under way, which the bank said had no specific targets, and that group headcount fell by about 14,000 over two years to below 200,000. ING, by contrast, expects about 1,250 fewer Operations FTEs in 2026. ([Reuters via Yahoo Finance](https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf))

### Why is Santander compared with Lloyds, NatWest and Capital One?

Santander's own 2025 Form 20-F lists them as key peers by country: Nationwide, Barclays, Halifax (Lloyds), NatWest, Lloyds, HSBC and TSB in the UK, and Chase, Capital One, Bank of America and others in the US. Santander operates in both markets through Santander UK and Santander Bank, N.A. ([Banco Santander, S.A. (SEC filing)](https://www.sec.gov/Archives/edgar/data/891478/000089147826000030/san-20251231.htm))

## 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)
- [BNP Paribas SA AI strategy](https://www.bankingnewsai.com/banks/bnp-paribas) · [vs peers](https://www.bankingnewsai.com/banks/bnp-paribas/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)
- [Barclays PLC AI strategy](https://www.bankingnewsai.com/banks/barclays) · [vs peers](https://www.bankingnewsai.com/banks/barclays/vs-peers)
- [HSBC AI strategy](https://www.bankingnewsai.com/banks/hsbc) · [vs peers](https://www.bankingnewsai.com/banks/hsbc/vs-peers)
- [JPMorgan Chase AI strategy](https://www.bankingnewsai.com/banks/jpmorgan-chase) · [vs peers](https://www.bankingnewsai.com/banks/jpmorgan-chase/vs-peers)
- [Capital One AI strategy](https://www.bankingnewsai.com/banks/capital-one) · [vs peers](https://www.bankingnewsai.com/banks/capital-one/vs-peers)

## Sources

1. 2026 Santander Investor Day — Banco Santander, Feb 25, 2026. https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day
2. Santander turns its AI-first strategy into measurable impact and extends AI access to all 185,000 employees — Banco Santander, Jun 22, 2026. https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees
3. Santander adds 12 million customers as underlying profit rises 15% to €7.3 billion in the first half — Banco Santander, Jul 22, 2026. 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
4. Earnings call transcript: BNP Paribas Q4 2025 earnings beat expectations — Investing.com, Feb 5, 2026. https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182
5. Lloyds Banking Group expects over £100 million in value from next-generation AI in 2026 — Lloyds Banking Group, Jan 29, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html
6. Harnessing AI as a core enabler of business strategy — NatWest Group, Jul 27, 2026. https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2026/jul/harnessing-ai-as-a-core-enabler-of-business-strategy.html
7. BBVA creates a model to scale AI across the Group and drive its customer-centric transformation — BBVA, Oct 6, 2026. https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/
8. Santander and Mastercard complete Europe's first live end-to-end payment executed by an AI agent — Banco Santander, Mar 2, 2026. https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf
9. Santander and Visa Deliver Latin America's First End-to-End Payments Powered by AI Agents — Banco Santander, Mar 12, 2026. https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents
10. ING completes live end-to-end European agentic payment transaction — Finextra, Jun 2, 2026. https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction
11. BBVA and OpenAI collaborate to transform global banking — OpenAI, Dec 12, 2025. https://openai.com/index/bbva-collaboration-expansion/
12. BBVA ranks first among eurozone banks for its AI strategy, according to Evident — BBVA, Oct 6, 2026. https://bbva.com/en/innovation/bbva-ranks-first-among-eurozone-banks-for-its-ai-strategy-according-to-evident
13. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
14. HSBC and Google Cloud Announce Transformative AI Banking Partnership — Google Cloud (PR Newswire), Jun 17, 2026. https://www.prnewswire.com/news-releases/hsbc-and-google-cloud-announce-transformative-ai-banking-partnership-302802395.html
15. BARCLAYS PLC ORD 25P (BARC.L) Q4 FY2025 earnings call transcript — Yahoo Finance (Quartr), Feb 10, 2026. https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html
16. Getnet develops infrastructure that enables businesses to accept AI agent-initiated payments — Banco Santander, Jun 9, 2026. https://www.santander.com/en/press-room/press-releases/2026/06/getnet-develops-infrastructure-that-enables-businesses-to-accept-ai-agent-initiated-payments
17. HSBC UK trials AI shopping with Visa — Finextra, Jul 15, 2026. https://finextra.com/pressarticle/110423/hsbc-uk-trials-ai-shopping-with-visa
18. Mastercard Completes its First Live Agentic Transaction in Hong Kong — Mastercard, Mar 27, 2026. https://mastercard.com/news/ap/en-hk/newsroom/press-releases/en-hk/2026/mastercard-completes-its-first-live-agentic-transaction-in-hong-kong
19. Second Quarter 2026 Results presentation (23 July 2026) — BNP Paribas, Jul 23, 2026. https://invest.bnpparibas/document/2q26-slides
20. BBVA joins OpenAI's new company to accelerate AI enterprise transformation — BBVA, May 11, 2026. https://bbva.com/en/innovation/bbva-joins-deployco-openais-new-company-to-accelerate-ai-enterprise-transformation
21. Artificial Intelligence | BBVA (undated page, retrieved 2026-10-05) — BBVA, Oct 5, 2026. https://bbva.com/en/innovation/data-innovation
22. 2025 Annual report — Banco Santander, Feb 26, 2026. https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf
23. Santander weighs up to 3,000 early retirements in Spain amid AI shift, newspaper says — Reuters via Yahoo Finance, Jun 24, 2026. https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html
24. Driving value through digitalisation, scalability and (Gen)AI (Morgan Stanley European Financials Conference 2026 presentation) — ING Groep N.V., Mar 18, 2026. https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf
25. Lloyds targets more than 1,000 new AI roles as it expands agentic AI capability — Lloyds Banking Group, Jun 22, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/1000-new-ai-roles.html
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