# Société Générale vs peers: AI and technology compared

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

*Part of the [Société Générale AI strategy profile](https://www.bankingnewsai.com/banks/societe-generale). Peer group: BNP Paribas SA, Deutsche Bank, Banco Santander, Barclays PLC, ING Groep N.V., BBVA, UBS Group AG, HSBC.*

## How does Société Générale compare with its peers on AI and technology?

Société Générale scores 72.7 on this site's AI-index formula applied to all 140 profiles (#41), sixth of nine in its European peer group: HSBC (88.5) leads, ahead of Deutsche Bank (78.9), BBVA (77.2), UBS (76.5) and Barclays (76), while BNP Paribas (72) sits close to it and Santander (71.3) and ING (65.2) sit below it. The score measures what is on the record, not capability; Société Générale ranks second in the group on independent coverage and last on its own primary disclosures. Three things separate it from named peers. First, it books AI as savings: its 2029 plan, presented on September 21, 2026, puts the AI opportunity at EUR 500 million to EUR 600 million, about EUR 350 million already identified, while BNP Paribas says AI value reached about EUR 600 million with EUR 750 million targeted for 2026, and Santander targets more than EUR 1 billion of annual AI value by 2028. Second, it reversed a build decision: Bloomberg reported on January 12, 2026 that it was replacing its in-house SoGPT assistant with Microsoft Copilot, and in September it signed a strategic agreement with Anthropic, while BNP Paribas runs its own LLM-as-a-Service platform with Mistral AI and Barclays reports around 90% of colleagues on Copilot. Third, its best-measured results sit in older production systems: Nacre decides over 80% of overdraft-overrun transactions automatically, and BoursoBank's share of client interactions handled by AI reached 65% in 2025. Where it trails: AI was absent from its quarterly results releases from February to July 2026, and its CEO puts the full payoff five to ten years out, while BBVA reports about 100,000 employees on ChatGPT Enterprise and 1,127 AI use cases in production. ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool), [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), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Societe Generale](https://societegenerale.com/sites/default/files/documents/2024-09/applying-data-ia-flagship-use-cases.pdf), [Societe Generale](https://societegenerale.com/sites/default/files/resultats-publication/en/2026-02/q4-2025-press-release-en.pdf), [Societe Generale](https://societegenerale.com/sites/default/files/resultats-publication/en/2026-04/q1-2026-press-release-en.pdf), [Societe Generale](https://societegenerale.com/sites/default/files/resultats-publication/en/2026-07/q2-2026-press-release-en.pdf), [Investing.com](https://investing.com/news/transcripts/societe-generale-at-bank-of-america-31th-annual-financials-ceo-conference-disciplined-growth-93CH-4910050), [OpenAI](https://openai.com/index/bbva/), [BBVA](https://bbva.com/en/innovation/data-innovation))

## Where does Société Générale lead its peers on AI?

- **A sized AI savings line inside the cost plan.** Société Générale's 2029 plan isolates an AI opportunity of EUR 500 million to EUR 600 million, about EUR 350 million identified, within roughly EUR 1.9 billion of gross savings (September 21, 2026). Deutsche Bank sizes AI savings for one division, EUR 300 million run-rate in its Private Bank by 2028; Barclays targets about £2 billion of gross efficiency savings without an AI split. ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))
- **A digital bank with a measured AI share of service.** AI handled 65% of BoursoBank client interactions in 2025, up from 39% in 2020, for a bank with about 1,000 employees and 8.8 million customers at end-2025. ING reports more than 80% of chats resolved without human support in four countries (March 2026); BNP Paribas's HelloïZ assistant has reached more than one million Hello bank! clients since January 2026. ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-03/universal-registration-document-2026.pdf), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [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))
- **Error rates published for production models.** Société Générale's February 2025 flagship publication gives before-and-after accuracy for live models: Nacre processes over 80% of more than 40,000 daily overdraft-overrun transactions automatically with under 5% wrongly accepted, against 22% before, and Instant-KYC needs no human review in 60% of cases. Deutsche Bank reports 97% accuracy for dbTextract document extraction. ([Societe Generale](https://societegenerale.com/sites/default/files/documents/2024-09/applying-data-ia-flagship-use-cases.pdf), [Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index))

## Where does Société Générale trail its peers on AI?

- **AI missing from quarterly reporting until September 2026.** Société Générale's results releases for the fourth quarter of 2025, the first quarter and the second quarter of 2026 contain no reference to AI; its first quantified AI target came on September 21, 2026. BNP Paribas quantified about EUR 600 million of AI value on its February 2026 call, and Santander reported EUR 84 million of AI value for the first half of 2026. ([Societe Generale](https://societegenerale.com/sites/default/files/resultats-publication/en/2026-02/q4-2025-press-release-en.pdf), [Societe Generale](https://societegenerale.com/sites/default/files/resultats-publication/en/2026-04/q1-2026-press-release-en.pdf), [Societe Generale](https://societegenerale.com/sites/default/files/resultats-publication/en/2026-07/q2-2026-press-release-en.pdf), [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [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))
- **An employee assistant reset with no reach figure.** Bloomberg reported in January 2026 that SoGPT was being decommissioned for Microsoft Copilot after employees complained it was out of date; the bank has published no rollout number. Barclays reports around 90% of colleagues on Copilot, BBVA about 100,000 employees on ChatGPT Enterprise, Deutsche Bank more than 80% of its workforce on generative-AI tools, and Santander 185,000 employees with AI access. ([Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [OpenAI](https://openai.com/index/bbva/), [Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index), [Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees))
- **Absent from the top of outside rankings.** Evident's 2026 AI Index, published October 6, 2026, ranks UBS sixth of 50 banks, the only European bank in the top ten, and BBVA first among eurozone banks. The latest Evident result on Société Générale's record is a May 2024 sub-ranking: seventh for developing talent and first for training and career development. ([Euronews via Yahoo Finance](https://finance.yahoo.com/news/ubs-only-european-bank-top-054547722.html), [BBVA](https://bbva.com/en/innovation/bbva-ranks-first-among-eurozone-banks-for-its-ai-strategy-according-to-evident), [Societe Generale](https://societegenerale.com/en/news/all-news/vivatech-meet-our-aidata-experts))

## Where does Société Générale 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)) |
| [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | 78.9 | #22 of 140 | [15](https://www.bankingnewsai.com/banks/deutsche-bank#sources) | [28](https://www.bankingnewsai.com/banks/deutsche-bank#sources) | [10 of 17](https://www.bankingnewsai.com/banks/deutsche-bank#where) | [27](https://www.bankingnewsai.com/banks/deutsche-bank#timeline) | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud ([Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index), [Finextra](https://finextra.com/newsarticle/47334/deutsche-banks-ai-says-its-coming-for-finance-jobs), [Deutsche Bank](https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1), [Deutsche Bank](https://www.db.com/news/detail/20260714-how-ai-is-reshaping-the-software-behind-everyday-banking?language_id=1), [Finextra](https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai), [Google Cloud](https://cloud.google.com/transform/in-the-clouds-christian-rhino-deutsche-bank-financial-services-gen-ai-be-happy), [Finextra](https://finextra.com/newsarticle/48299/google-cloud-launches-ai-platform-for-financial-professionals), [Bloomberg](https://bloomberg.com/news/articles/2026-08-25/deutsche-bank-accelerates-ai-adoption-with-new-google-service)) |
| [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)) |
| [UBS Group AG](https://www.bankingnewsai.com/banks/ubs) | 76.5 | #30 of 140 | [21](https://www.bankingnewsai.com/banks/ubs#sources) | [13](https://www.bankingnewsai.com/banks/ubs#sources) | [11 of 15](https://www.bankingnewsai.com/banks/ubs#where) | [23](https://www.bankingnewsai.com/banks/ubs#timeline) | UBS Claves, Red and Microsoft 365 Copilot under the Chief AI Office ([UBS Group AG](https://www.ubs.com/global/en/our-firm/what-we-do/technology/innovation-and-ai.html), [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), [UBS Group AG and UBS AG (Business Wire)](https://businesswire.com/news/home/20260728010217/en/UBS-AG-UK-Regulatory-Announcement-UBS-reports-2Q26-net-profit-of-USD-2.8bn-and-USD-5.8bn-for-1H26-with-robust-momentum-across-businesses-Group-invested-assets-at-USD-7.3trn-Ad-hoc-announcement-pursuant-to-Article-53-of-the-SIX-Exchange-Regulation-Listing-Rules)) |
| [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)) |
| [Société Générale (this page)](https://www.bankingnewsai.com/banks/societe-generale) | 72.7 | #41 of 140 | [25](https://www.bankingnewsai.com/banks/societe-generale#sources) | [1](https://www.bankingnewsai.com/banks/societe-generale#sources) | [12 of 16](https://www.bankingnewsai.com/banks/societe-generale#where) | [14](https://www.bankingnewsai.com/banks/societe-generale#timeline) | Microsoft Copilot (replacing the in-house SoGPT) and the Anthropic Claude agreement ([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), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.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](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 Société Générale ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Société Générale and the 8 peers that are scored on the same basis. "Place" is Société Générale's position in the group of 9 (1st = most).

| Component (weight) | Société Générale | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 25 | 15.5 | [HSBC (27)](https://www.bankingnewsai.com/banks/hsbc) | 2nd of 9 |
| Use cases in production (10%) | 12 | 11 | [Barclays (13)](https://www.bankingnewsai.com/banks/barclays) | 2nd of 9 |
| Own primary disclosures (10%) | 1 | 20.5 | [BBVA (45)](https://www.bankingnewsai.com/banks/bbva) | 9th of 9 |
| Dated moves, last 12 months (10%) | 14 | 22 | [BBVA (30)](https://www.bankingnewsai.com/banks/bbva) | 8th of 9 |
| Disclosed numbers (5%) | 20 | 21.5 | [BBVA (25)](https://www.bankingnewsai.com/banks/bbva) | 6th of 9 |
| Named AI leaders (5%) | 12 | 12 | [Deutsche Bank (19)](https://www.bankingnewsai.com/banks/deutsche-bank) | 4th of 9 |
| Use cases described (5%) | 16 | 19 | [HSBC (21)](https://www.bankingnewsai.com/banks/hsbc) | 7th of 9 |

## What has each bank in Société Générale'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 |
| --- | --- | --- | --- | --- | --- |
| [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | Microsoft Copilot (replacing the in-house SoGPT) and the Anthropic Claude agreement ([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), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf)) | [12, incl. Slawomir Krupa (Group Chief Executive Officer)](https://www.bankingnewsai.com/banks/societe-generale#people) ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Investing.com](https://investing.com/news/transcripts/societe-generale-at-bank-of-america-31th-annual-financials-ceo-conference-disciplined-growth-93CH-4910050)) | AI cost-savings opportunity in the 2029 plan: EUR 500m to EUR 600m, of which about EUR 350m already identified by 2029 (Sep 21, 2026) ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf)) | 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 |
| [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud ([Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index), [Finextra](https://finextra.com/newsarticle/47334/deutsche-banks-ai-says-its-coming-for-finance-jobs), [Deutsche Bank](https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1), [Deutsche Bank](https://www.db.com/news/detail/20260714-how-ai-is-reshaping-the-software-behind-everyday-banking?language_id=1), [Finextra](https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai), [Google Cloud](https://cloud.google.com/transform/in-the-clouds-christian-rhino-deutsche-bank-financial-services-gen-ai-be-happy), [Finextra](https://finextra.com/newsarticle/48299/google-cloud-launches-ai-platform-for-financial-professionals), [Bloomberg](https://bloomberg.com/news/articles/2026-08-25/deutsche-bank-accelerates-ai-adoption-with-new-google-service)) | [19, incl. Christian Sewing (Chief Executive Officer)](https://www.bankingnewsai.com/banks/deutsche-bank#people) ([Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Script-Scaling-The-Global-Hausbank-Christian-Sewing.pdf), [Deutsche Bank](https://hauptversammlung.db.com/files/documents/2026/AGM-2026-Speech-Sewing.pdf)) | Private Bank AI-enabled operating model, run-rate savings by 2028 / cumulative technology spend: €300m / about €600m (Nov 17, 2025) ([Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf)) | Not disclosed | Not surveyed |
| [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 |
| [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) |
| [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 |
| [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 |
| [UBS Group AG](https://www.bankingnewsai.com/banks/ubs) | UBS Claves, Red and Microsoft 365 Copilot under the Chief AI Office ([UBS Group AG](https://www.ubs.com/global/en/our-firm/what-we-do/technology/innovation-and-ai.html), [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), [UBS Group AG and UBS AG (Business Wire)](https://businesswire.com/news/home/20260728010217/en/UBS-AG-UK-Regulatory-Announcement-UBS-reports-2Q26-net-profit-of-USD-2.8bn-and-USD-5.8bn-for-1H26-with-robust-momentum-across-businesses-Group-invested-assets-at-USD-7.3trn-Ad-hoc-announcement-pursuant-to-Article-53-of-the-SIX-Exchange-Regulation-Listing-Rules)) | [16, incl. Sergio P. Ermotti (Group Chief Executive Officer)](https://www.bankingnewsai.com/banks/ubs#people) ([Banking Dive](https://bankingdive.com/news/ubs-deploys-ai-programs-unlock-efficiency-ermotti-magazzeni-credit-suisse/811572), [Investing.com](https://investing.com/news/transcripts/ubs-at-bank-of-america-financials-conference-growth-meets-capital-pressure-93CH-4910194), [UBS Group AG (SEC filing)](https://www.sec.gov/Archives/edgar/data/1610520/000161052026000053/investorpresotext2026.htm)) | Live AI use cases in production: 560 (92% up year on year), with another 920+ applications in development (Jul 29, 2026) ([UBS Group AG and UBS AG (Business Wire)](https://businesswire.com/news/home/20260728010217/en/UBS-AG-UK-Regulatory-Announcement-UBS-reports-2Q26-net-profit-of-USD-2.8bn-and-USD-5.8bn-for-1H26-with-robust-momentum-across-businesses-Group-invested-assets-at-USD-7.3trn-Ad-hoc-announcement-pursuant-to-Article-53-of-the-SIX-Exchange-Regulation-Listing-Rules)) | 3 patents listed on the profile, e.g. US 11,429,879 B2 (Identifying dynamic thematic relationships over time with machine-learning models) ([Google Patents (USPTO)](https://patents.google.com/patent/US11429879B2/en)) | Not surveyed |
| [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 |

## What are the latest dated moves on the AI record of Société Générale 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 | [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 13, 2026 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | Farsight deployed on-premise in investment banking and capital markets ([Farsight (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/deutsche-bank-deploys-farsight-premise-130000245.html)) |
| 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 8, 2026 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | BlueMatrix agrees to buy Aiera ([BlueMatrix via PR Newswire](https://www.prnewswire.com/news-releases/thoma-bravo-backed-bluematrix-to-acquire-aiera-advancing-governed-ai-distribution-for-investment-research-302902401.html), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-03/universal-registration-document-2026.pdf)) |
| 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 | [UBS](https://www.bankingnewsai.com/banks/ubs) | Evident index: UBS sixth, the only European bank in the top ten ([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 30, 2026 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | Group CDO on agentic payments at Sibos 2026 ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/sibos-2026-agentic-payments-take-centre-stage-on-day-three), [Societe Generale](https://wholesale.banking.societegenerale.com/en/news-insights/all-news-insights/news-details/news/sibos-2026)) |
| 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 23, 2026 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | CFO: Postbank AI tool to scale to the Deutsche Bank brand ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/deutsche-bank-targets-13-2028-130230943.html)) |
| Sep 22, 2026 | [UBS](https://www.bankingnewsai.com/banks/ubs) | Ermotti at the BofA conference: AI 'is not for free' ([Investing.com](https://investing.com/news/transcripts/ubs-at-bank-of-america-financials-conference-growth-meets-capital-pressure-93CH-4910194)) |
| 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)) |
| 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)) |
| 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 Société Générale's AI savings target compare with what its peers disclose?

Each bank's own figure, as recorded on its profile. Some are savings only, some add revenue, and horizons differ, so compare the definition as well as the number.

| Bank | AI value or target on the record | Horizon | As of |
| --- | --- | --- | --- |
| Société Générale | EUR 500 million to EUR 600 million AI cost opportunity, about EUR 350 million identified, within about EUR 1.9 billion of gross savings | By 2029 | September 21, 2026 ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf)) |
| BNP Paribas | About EUR 600 million of AI value to date; EUR 750 million targeted | End of 2026 | February 5, 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)) |
| Santander | More than EUR 1 billion a year of AI value (cost savings plus revenue); EUR 84 million generated in the first half of 2026 | 2028 | February-July 2026 ([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)) |
| Deutsche Bank | EUR 300 million run-rate savings from an AI-enabled Private Bank operating model, on about EUR 600 million of cumulative technology spend | 2028 | November 17, 2025 ([Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf)) |
| HSBC | No AI value figure; the CEO said generative AI is where its biggest new technology investment goes | Not given | February 25, 2026 ([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)) |

## How do Société Générale's employee AI tools compare with its peers'?

| Bank | Tools | Reach as disclosed | As of |
| --- | --- | --- | --- |
| Société Générale | Microsoft Copilot (replacing the in-house SoGPT); Anthropic Claude models, coding tools and agents under a strategic agreement | No rollout figure published | January 12, 2026; September 21, 2026 ([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)) |
| BNP Paribas | LLM@CIB on an internal LLM-as-a-Service platform; 'My companion' Group AI platform | More than 65,000 CIB employees with LLM@CIB; 100,000 people onboarded to My companion | July-September 2026 ([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)) |
| Barclays | Microsoft 365 Copilot; Claude-based Colleague Knowledge Assistant | Around 90% of colleagues on Copilot; 16,000-plus UK users of the Claude assistant | February 10, 2026; October 1, 2026 ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude)) |
| BBVA | ChatGPT Enterprise | About 100,000 employees; 70%-plus weekly active | June 11, 2026 ([OpenAI](https://openai.com/index/bbva/)) |
| Deutsche Bank | dbLumina and Microsoft Copilot | More than 80% of the workforce on generative-AI tools | October 14, 2026 ([Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index)) |
| Santander | Multi-provider model stack under the Group Data & AI function | 185,000 employees with AI access | June 22, 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)) |
| HSBC | HSBC Productivity Suite | c.85% of colleagues with a gen-AI productivity tool | February 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)) |

## How do Société Générale's client assistants compare with its peers'?

| Bank | Assistant | Scale as disclosed | As of |
| --- | --- | --- | --- |
| Société Générale | ELIOTT (BoursoBank) and SoBot (SG retail) | ELIOTT 4 million conversations a year; together above 6 million interactions a year; target of 40% of incoming calls covered 24/7 by AI assistants | February 2025; March 2026; September 2026 ([Societe Generale](https://societegenerale.com/sites/default/files/documents/2024-09/applying-data-ia-flagship-use-cases.pdf), [Societe Generale](https://societegenerale.com/en/societe-generale-group/strategy/innovation-and-digital), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf)) |
| BNP Paribas | HelloïZ (Hello bank!) | More than one million clients since January 2026 | May 26, 2026 ([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)) |
| ING | Generative-AI chatbot | More than 80% of chats resolved without human support in four countries; rolled out in seven | March 18, 2026 ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf)) |
| BBVA | Garanti BBVA Ugi (Türkiye) | About 6.4 million interactions a month; 1.6 million active users | May 8, 2026 ([BBVA](https://bbva.com/en/innovation/garanti-bbvas-smart-assistant-ugi-turns-10-ai-transforming-banking)) |
| UBS | AI chatbots for mobile banking support | 1.2 million clients served | 2025 Form 20-F ([UBS Group AG (SEC filing)](https://www.sec.gov/Archives/edgar/data/1610520/000161052026000023/ubs-20251231.htm)) |

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

Société Générale is compared here with BNP Paribas SA, Deutsche Bank, Banco Santander, Barclays PLC, ING Groep N.V., BBVA, UBS Group AG and HSBC: chosen by the editors for this page (see the note below the table). Société Générale is classed as a universal bank headquartered in France.

The computed group mixed Société Générale with MUFG and RBC, so this page uses the European banks in the TSR peer panel of its 2026 Universal Registration Document that have a page here (Barclays, BBVA, BNP Paribas, Deutsche Bank, ING, Santander, UBS) plus HSBC, which it meets in transaction banking and markets; Crédit Agricole, Intesa, Nordea and UniCredit, also in that panel, have no page here.

## Common questions

### Is Société Générale better than BNP Paribas at AI?

The record cannot settle capability. On disclosure the two are close: Société Générale scores 72.7 on this site's index and BNP Paribas 72. BNP Paribas publishes more: more than 800 AI use cases and about EUR 600 million of AI value. Société Générale's distinctive figure is its EUR 500 million to EUR 600 million AI savings target for 2029. ([BNP Paribas](https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence), [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf))

### Why did Société Générale replace SoGPT with Microsoft Copilot?

Bloomberg reported on January 12, 2026, citing people familiar, that the bank had been decommissioning SoGPT since the end of 2025 after realising the gap to other tools was widening and employees complained it was not up to date. The bank has not published its own account. BNP Paribas, by contrast, kept building its internal LLM-as-a-Service platform. ([Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool), [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))

### How much does Société Générale expect to save from AI compared with its peers?

Its 2029 plan puts AI initiatives at EUR 500 million to EUR 600 million of savings, about EUR 350 million identified. Santander targets more than EUR 1 billion a year of AI value by 2028, reported by Bloomberg as about EUR 700 million of cost cuts and EUR 300 million of revenue. Deutsche Bank targets EUR 300 million of run-rate savings in its Private Bank by 2028. ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.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), [Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf))

### Which European banks work with Anthropic, like Société Générale?

Société Générale announced a strategic agreement with Anthropic on September 21, 2026, covering a recurring rollout of Claude models, coding tools and agents. Barclays also uses Claude: on October 1, 2026 it said its Claude-based Colleague Knowledge Assistant has more than 16,000 UK users and Global Markets runs Claude on about 120,000 emails a day. ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude))

### Where does Société Générale rank on AI among European banks?

On this site's index it is sixth of nine in its European group (72.7, #41 of 140), behind HSBC, Deutsche Bank, BBVA, UBS and Barclays, close to BNP Paribas and ahead of Santander and ING. In Evident's 2026 index UBS is sixth of 50 and the only European bank in the top ten, and BBVA is first in the eurozone. ([Euronews via Yahoo Finance](https://finance.yahoo.com/news/ubs-only-european-bank-top-054547722.html), [BBVA](https://bbva.com/en/innovation/bbva-ranks-first-among-eurozone-banks-for-its-ai-strategy-according-to-evident))

### How does BoursoBank's use of AI compare with other digital banks?

AI handled 65% of BoursoBank client interactions in 2025, and its ELIOTT assistant manages 4 million conversations a year. Revolut, its main fintech rival in France, launched its AIR in-app assistant to UK customers in April 2026; ING says its chatbot resolves more than 80% of chats without human help in four countries. ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Societe Generale](https://societegenerale.com/sites/default/files/documents/2024-09/applying-data-ia-flagship-use-cases.pdf), [Revolut](https://www.revolut.com/news/revolut_enters_new_era_of_money_intelligence_with_launch_of_ai_assistant/), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf))

### Is Société Générale cutting jobs because of AI?

The plan relies on natural attrition: Société Générale said in January 2026 it would cut 1,800 net positions in France through attrition and mobility, and its deck puts workforce about 20,000 FTE lower in 2026 than in 2023. Santander has reported a reduction of about 14,000 staff over two years; Deutsche Bank's 2026 efficiencies were not attributed to AI. ([Societe Generale](https://societegenerale.com/sites/default/files/documents/2026-01/societe-generale-accelerates-the-simplification-of-its-organization.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Reuters via Yahoo Finance](https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html), [Deutsche Bank](https://investor-relations.db.com/files/documents/quarterly-results/2026/Q2-2026-Analyst-Call-Transcript-For-Upload.pdf))

## Peers on this site

- [BNP Paribas SA AI strategy](https://www.bankingnewsai.com/banks/bnp-paribas) · [vs peers](https://www.bankingnewsai.com/banks/bnp-paribas/vs-peers)
- [Deutsche Bank AI strategy](https://www.bankingnewsai.com/banks/deutsche-bank) · [vs peers](https://www.bankingnewsai.com/banks/deutsche-bank/vs-peers)
- [Banco Santander AI strategy](https://www.bankingnewsai.com/banks/santander) · [vs peers](https://www.bankingnewsai.com/banks/santander/vs-peers)
- [Barclays PLC AI strategy](https://www.bankingnewsai.com/banks/barclays) · [vs peers](https://www.bankingnewsai.com/banks/barclays/vs-peers)
- [ING Groep N.V. AI strategy](https://www.bankingnewsai.com/banks/ing) · [vs peers](https://www.bankingnewsai.com/banks/ing/vs-peers)
- [BBVA AI strategy](https://www.bankingnewsai.com/banks/bbva) · [vs peers](https://www.bankingnewsai.com/banks/bbva/vs-peers)
- [UBS Group AG AI strategy](https://www.bankingnewsai.com/banks/ubs) · [vs peers](https://www.bankingnewsai.com/banks/ubs/vs-peers)
- [HSBC AI strategy](https://www.bankingnewsai.com/banks/hsbc) · [vs peers](https://www.bankingnewsai.com/banks/hsbc/vs-peers)

## Sources

1. Societe Generale presents an ambitious strategic roadmap supported by disciplined execution — Societe Generale, Sep 21, 2026. https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf
2. Capital Markets Day 2026 – Presentation — Societe Generale, Sep 21, 2026. https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf
3. 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
4. 2026 Santander Investor Day — Banco Santander, Feb 25, 2026. https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day
5. SocGen Turns to Microsoft's Copilot After Scrapping Own AI Tool — Bloomberg, Jan 12, 2026. https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool
6. BNP Paribas provides its businesses with an LLM as a Service platform to accelerate the industrialization of generative AI use cases. — BNP Paribas, Jun 5, 2025. 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
7. 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
8. Applying data and AI: Societe Generale flagship use cases (February 2025) — Societe Generale, Feb 1, 2025. https://societegenerale.com/sites/default/files/documents/2024-09/applying-data-ia-flagship-use-cases.pdf
9. Results at 31 December 2025 – Press release — Societe Generale, Feb 6, 2026. https://societegenerale.com/sites/default/files/resultats-publication/en/2026-02/q4-2025-press-release-en.pdf
10. Results at 31 March 2026 – Press release — Societe Generale, Apr 30, 2026. https://societegenerale.com/sites/default/files/resultats-publication/en/2026-04/q1-2026-press-release-en.pdf
11. Results at 30 June 2026 – Press release — Societe Generale, Jul 30, 2026. https://societegenerale.com/sites/default/files/resultats-publication/en/2026-07/q2-2026-press-release-en.pdf
12. Société Générale at Bank of America 31th Annual Financials CEO Conference: disciplined growth — Investing.com, Sep 22, 2026. https://investing.com/news/transcripts/societe-generale-at-bank-of-america-31th-annual-financials-ceo-conference-disciplined-growth-93CH-4910050
13. BBVA puts AI at the core of banking with OpenAI — OpenAI, Jun 11, 2026. https://openai.com/index/bbva/
14. Artificial Intelligence | BBVA (undated page, retrieved 2026-10-05) — BBVA, Oct 5, 2026. https://bbva.com/en/innovation/data-innovation
15. Investor Deep Dive 2025: Private Bank presentation (Claudio de Sanctis) — Deutsche Bank, Nov 17, 2025. https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf
16. Universal Registration Document 2026 – D.26-0091 – 13 March 2026 — Societe Generale, Mar 13, 2026. https://www.societegenerale.com/sites/default/files/documents/2026-03/universal-registration-document-2026.pdf
17. 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
18. BNP Paribas and Mistral AI extend their partnership to support the next phase of generative AI deployment within the Group — BNP Paribas, May 26, 2026. 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
19. Technology Transformation (undated page, retrieved 2026-10-05) — Deutsche Bank, Oct 5, 2026. https://db.com/what-we-do/focus-topics/tech/index
20. 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
21. 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
22. UBS only European bank in top 10 of AI adoption as JPMorgan Chase leads — Euronews via Yahoo Finance, Oct 7, 2026. https://finance.yahoo.com/news/ubs-only-european-bank-top-054547722.html
23. 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
24. VivaTech: meet our AI/Data experts — Societe Generale, May 30, 2024. https://societegenerale.com/en/news/all-news/vivatech-meet-our-aidata-experts
25. Annual Report and Accounts 2025 — HSBC Holdings plc, Feb 25, 2026. https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260225-annual-report-and-accounts-2025.pdf
26. HSBC announces David Rice as its first Chief AI Officer — HSBC Holdings plc, Mar 23, 2026. https://hsbc.com/-/files/hsbc/media/media-release/2026/260323-david-rice-announced-as-chief-ai-officer.pdf
27. HSBC and Mistral AI join forces to accelerate AI adoption across global bank — HSBC Holdings plc, Dec 1, 2025. https://hsbc.com/-/files/hsbc/media/media-release/2025/251201-hsbc-and-mistral-ai-join-forces-to-accelerate-ai-adoption-across-global-bank.pdf
28. 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
29. Transforming HSBC with AI | HSBC and Digital (undated page, retrieved 2026-10-05) — HSBC Holdings plc, Oct 5, 2026. https://www.hsbc.com/who-we-are/hsbc-and-digital/hsbc-and-ai/transforming-hsbc-with-ai
30. Deutsche Bank's AI says it's coming for finance jobs — Finextra, Feb 23, 2026. https://finextra.com/newsarticle/47334/deutsche-banks-ai-says-its-coming-for-finance-jobs
31. Putting agentic AI to work in third party risk management — Deutsche Bank, May 13, 2026. https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1
32. How AI is reshaping the software behind everyday banking — Deutsche Bank, Jul 14, 2026. https://www.db.com/news/detail/20260714-how-ai-is-reshaping-the-software-behind-everyday-banking?language_id=1
33. Deutsche Bank estimates 30% uplift in client onboarding by deploying KYC AI — Finextra, Sep 23, 2026. https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai
34. In the Clouds with... Deutsche Bank's Christian Rhino, CIO for private banking. — Google Cloud, Sep 14, 2026. https://cloud.google.com/transform/in-the-clouds-christian-rhino-deutsche-bank-financial-services-gen-ai-be-happy
35. Google Cloud launches AI platform for financial professionals — Finextra, Aug 26, 2026. https://finextra.com/newsarticle/48299/google-cloud-launches-ai-platform-for-financial-professionals
36. Deutsche Bank Expands AI Capabilities With Google Cloud's Gemini Enterprise — Bloomberg, Aug 25, 2026. https://bloomberg.com/news/articles/2026-08-25/deutsche-bank-accelerates-ai-adoption-with-new-google-service
37. BBVA and OpenAI collaborate to transform global banking — OpenAI, Dec 12, 2025. https://openai.com/index/bbva-collaboration-expansion/
38. BBVA and OpenAI Seal a Strategic Alliance to Redefine Banking with Artificial Intelligence — BBVA, Dec 12, 2025. https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence
39. BBVA deepens partnership with Google Cloud to innovate with AI — BBVA, Jul 2, 2025. https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai
40. BBVA call centre staff develop and deploy AI agents to speed up response times — Finextra, Aug 4, 2026. https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times
41. BBVA develops a new technology architecture with AWS to accelerate its AI solutions — BBVA, Jun 5, 2026. https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions
42. BBVA deploys 'The Eight,' its strategy to transform the financial experience with AI — BBVA, Dec 12, 2025. https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/
43. BBVA Accelerates Its Artificial Intelligence Strategy With A Global Area: AI Transformation — BBVA, May 28, 2026. https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation
44. Innovation and AI at UBS (undated page, retrieved 2026-10-05) — UBS Group AG, Oct 5, 2026. https://www.ubs.com/global/en/our-firm/what-we-do/technology/innovation-and-ai.html
45. UBS appoints Chief AI Officer to drive its AI strategy — UBS Group AG, Oct 16, 2025. https://www.ubs.com/global/en/media/display-page-ndp/en-20251016-ai-strategy.html
46. UBS Group AG Annual Report 2025 on Form 20-F — UBS Group AG (SEC filing), Mar 9, 2026. https://www.sec.gov/Archives/edgar/data/1610520/000161052026000023/ubs-20251231.htm
47. UBS reports 2Q26 net profit of USD 2.8bn and USD 5.8bn for 1H26 with robust momentum across businesses; Group invested assets at USD 7.3trn — UBS Group AG and UBS AG (Business Wire), Jul 29, 2026. https://businesswire.com/news/home/20260728010217/en/UBS-AG-UK-Regulatory-Announcement-UBS-reports-2Q26-net-profit-of-USD-2.8bn-and-USD-5.8bn-for-1H26-with-robust-momentum-across-businesses-Group-invested-assets-at-USD-7.3trn-Ad-hoc-announcement-pursuant-to-Article-53-of-the-SIX-Exchange-Regulation-Listing-Rules
48. Barclays to roll out Microsoft 365 Copilot to 100,000 colleagues — Microsoft, Jun 9, 2025. https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/
49. Barclays scales Claude to upgrade operations and improve client experience — Anthropic, Oct 1, 2026. https://www.anthropic.com/news/barclays-scales-claude
50. Scaling AI at Barclays: implementation, efficiency, and the future of customer experience (undated page, retrieved 2026-10-05) — Barclays, Oct 5, 2026. https://home.barclays/insights/2025/07/scaling-AI-at-Barclays
51. Barclays PLC Annual Report 2025 on Form 20-F — Barclays PLC (SEC 20-F), Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm
52. BNP Paribas and Google Cloud Announce New Partnership on Agentic AI and Cloud Innovation — BNP Paribas, Sep 24, 2026. https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation
53. Second Quarter 2026 Results presentation (23 July 2026) — BNP Paribas, Jul 23, 2026. https://invest.bnpparibas/document/2q26-slides
54. BNP Paribas forges agentic AI partnership with Google Cloud — Finextra, Sep 25, 2026. https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud
55. 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
56. Driving our transformation with the creation of the Global Data & AI function — Banco Santander, Oct 8, 2025. https://www.santander.com/en/stories/driving-our-transformation-with-the-creation-of-the-global-data-ai-function
57. ING Groep N.V. Annual Report on Form 20-F for the fiscal year ended December 31, 2025 — ING Groep N.V. (SEC filing), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm
58. ING at Bank of America 31th Annual Financials CEO Conference: growth lifts targets — Investing.com, Sep 23, 2026. https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460
59. Interview: How ING reaps benefits of centralising AI (undated page, retrieved 2026-10-05) — Computer Weekly, Oct 5, 2026. https://www.computerweekly.com/news/366637057/Interview-How-ING-reaps-benefits-of-centralising-AI
60. BNP Paribas vows more cost cuts as profit tops forecast — Reuters, Feb 5, 2026. https://reuters.com/business/finance/bnp-paribas-vows-more-cost-cuts-after-profit-tops-forecast-2026-02-05
61. BNP Paribas Set to Roll Out AI Companion for All Staff — Bloomberg, Mar 26, 2026. https://bloomberg.com/news/articles/2026-03-26/bnp-paribas-set-to-roll-out-ai-companion-for-all-staff
62. Earnings call transcript: BNP Paribas posts strong Q2 2026 growth — Investing.com, Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-posts-strong-q2-2026-growth-93CH-4809058
63. Tech & Artificial Intelligence FAQ (undated page, retrieved 2026-10-05) — BNP Paribas, Oct 5, 2026. https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence
64. IDD 2025 - Prepared Remarks - Scaling The Global Hausbank - Christian Sewing — Deutsche Bank, Nov 17, 2025. https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Script-Scaling-The-Global-Hausbank-Christian-Sewing.pdf
65. Speech by Christian Sewing at the Annual General Meeting 2026 — Deutsche Bank, May 19, 2026. https://hauptversammlung.db.com/files/documents/2026/AGM-2026-Speech-Sewing.pdf
66. Santander's Botin Sees €1 Billion AI Boost Amid Efficiency Push — Bloomberg, Feb 25, 2026. https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push
67. Banking industry scrambles for Anthropic's Mythos as global regulators review risks — Reuters, Apr 20, 2026. https://reuters.com/business/finance/banks-close-contact-with-european-regulator-anthropics-mythos-banker-says-2026-04-20
68. US20250053473A1 - Event handling for digitalised processes — Google Patents (USPTO), Feb 13, 2025. https://patents.google.com/patent/US20250053473A1/en
69. Earnings call transcript: ING beats Q2 2026 forecasts and lifts outlook — Investing.com, Jul 30, 2026. https://in.investing.com/news/transcripts/earnings-call-transcript-ing-beats-q2-2026-forecasts-and-lifts-outlook-93CH-5522738
70. ING Group Raises 2027 ROE Target Above 16% as Revenue, AI Drive Growth — MarketBeat via Yahoo Finance, Sep 25, 2026. https://finance.yahoo.com/markets/stocks/articles/ing-group-raises-2027-roe-010217370.html
71. EP3970062A1: Method and system for obtaining information about an object based on a photograph thereof — Google Patents (EPO), Mar 23, 2022. https://patents.google.com/patent/EP3970062A1/en
72. UBS deploys AI programs to unlock efficiency — Banking Dive, Feb 6, 2026. https://bankingdive.com/news/ubs-deploys-ai-programs-unlock-efficiency-ermotti-magazzeni-credit-suisse/811572
73. UBS at Bank of America financials conference: growth meets capital pressure — Investing.com, Sep 22, 2026. https://investing.com/news/transcripts/ubs-at-bank-of-america-financials-conference-growth-meets-capital-pressure-93CH-4910194
74. UBS first-quarter 2026 earnings call prepared remarks and Q&A (Form 6-K) — UBS Group AG (SEC filing), Apr 30, 2026. https://www.sec.gov/Archives/edgar/data/1610520/000161052026000053/investorpresotext2026.htm
75. US11429879B2: Methods and systems for identifying dynamic thematic relationships as a function of time — Google Patents (USPTO), Aug 30, 2022. https://patents.google.com/patent/US11429879B2/en
76. Annual Results 2025 Presentation to Investors and Analysts - Transcript — HSBC Holdings plc, Feb 26, 2026. https://www.hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260226-annual-results-to-investors-and-analysts-transcript.pdf
77. Don't fight AI, HSBC CEO tells staff as banks begin job cuts — Reuters, May 20, 2026. https://reuters.com/legal/legalindustry/dont-fight-ai-hsbc-ceo-tells-staff-banks-begin-job-cuts-2026-05-20
78. Annual Results 2025 Presentation to Investors and Analysts — HSBC Holdings plc, Feb 25, 2026. https://hsbc.com/-/files/hsbc/investors/hsbc-results/2025/annual/pdfs/hsbc-holdings-plc/260225-annual-results-2025-presentation-to-investors-and-analysts.pdf
79. US 2024/0412221 A1: Systems and methods for machine learning using adversarial learning and data transformation — Google Patents (USPTO), Dec 12, 2024. https://patents.google.com/patent/US20240412221A1/en
80. BBVA will help design a common protocol led by Sierra AI and Meta to connect AI agents with businesses — BBVA, Oct 13, 2026. https://www.bbva.com/en/innovation/bbva-helps-design-a-common-protocol-led-by-sierra-ai-and-meta-to-connect-ai-agents-with-businesses/
81. Deutsche Bank Deploys Farsight On-Premise Across Investment Banking and Capital Markets in Europe and the Americas — Farsight (GlobeNewswire via Yahoo Finance), Oct 13, 2026. https://finance.yahoo.com/technology/ai/articles/deutsche-bank-deploys-farsight-premise-130000245.html
82. Ant Digital Technologies and HSBC announce successful AI agent micropayment technical verification test — Ant Digital Technologies (PR Newswire via Yahoo Finance), Oct 9, 2026. https://finance.yahoo.com/technology/ai/articles/ant-digital-technologies-hsbc-announce-063000243.html
83. The Algorithmic Trader: How AI Is Redefining the Trading Desk — BBVA, Oct 9, 2026. https://www.bbva.com/en/enterprises/the-algorithmic-trader-how-ai-is-redefining-the-trading-desk/
84. Thoma Bravo-backed BlueMatrix to Acquire Aiera, Advancing Governed AI Distribution for Investment Research — BlueMatrix via PR Newswire, Oct 8, 2026. https://www.prnewswire.com/news-releases/thoma-bravo-backed-bluematrix-to-acquire-aiera-advancing-governed-ai-distribution-for-investment-research-302902401.html
85. HSBC plans deep job cuts in UK wealth management amid AI push, FT reports — Investing.com, Oct 7, 2026. https://investing.com/news/stock-market-news/hsbc-plans-deep-job-cuts-in-uk-wealth-management-as-it-expands-ai-use-ft-reports-4935586
86. HSBC 'consults' over UK unit job cuts amid AI adoption — AFP (via Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/technology/ai/articles/hsbc-consults-over-uk-unit-142727951.html
87. Barclays Expands Use of Anthropic's Claude in Efficiency Push — Bloomberg, Oct 1, 2026. https://bloomberg.com/news/articles/2026-10-01/barclays-expands-use-of-anthropic-s-claude-in-efficiency-push
88. Barclays Expands Use of Anthropic's Claude in Efficiency Push — Bloomberg via Yahoo Finance, Oct 1, 2026. https://finance.yahoo.com/technology/ai/articles/barclays-expands-anthropic-claude-efficiency-080000629.html
89. Barclays ramps up use of Anthropic's Claude — Finextra, Oct 1, 2026. https://www.finextra.com/newsarticle/48519/barclays-ramps-up-use-of-anthropics-claude
90. The Most Powerful Women in Banking Women to Watch, #24, Anne Marie Darling, Barclays — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-24-anne-marie-darling-barclays
91. Sibos 2026: Agentic payments take centre stage on day three — FinTech Futures, Oct 1, 2026. https://fintechfutures.com/ai-in-fintech/sibos-2026-agentic-payments-take-centre-stage-on-day-three
92. SIBOS 2026 — Societe Generale, Jul 22, 2026. https://wholesale.banking.societegenerale.com/en/news-insights/all-news-insights/news-details/news/sibos-2026
93. A2K: a new protocol suite for connecting AI agents to governed, auditable enterprise knowledge — Banco Santander, Sep 23, 2026. https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge
94. Deutsche Bank Targets 13%+ 2028 Returns as Wealth, Corporate Bank Gain Momentum — MarketBeat via Yahoo Finance, Sep 23, 2026. https://finance.yahoo.com/markets/stocks/articles/deutsche-bank-targets-13-2028-130230943.html
95. Building Trust in Agentic Commerce: Customer-centric principles for a trusted and thriving ecosystem — ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group, Sep 22, 2026. https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce
96. Banks Call for Audit Trail From AI Shopping Instructions to Payment Outcome — PYMNTS, Sep 22, 2026. https://pymnts.com/news/artificial-intelligence/2026/banks-want-audit-trail-from-ai-shopping-instructions-payment-outcome
97. BNP Paribas leverages its leading franchises to advance a compelling growth trajectory through Europe's major transformations — BNP Paribas, Sep 22, 2026. https://group.bnpparibas/en/press-release/bnp-paribas-leverages-its-leading-franchises-to-advance-a-compelling-growth-trajectory-through-europe-s-major-transformations
98. When speed meets quality: How we make AI products measurable at Santander — Banco Santander, Jul 30, 2026. https://santander.com/en/stories/when-speed-meets-quality-how-we-make-ai-products-measurable-at-santander
99. 2025 Integrated Report: Scaling up artificial intelligence (page 49) — BNP Paribas, Jun 12, 2026. https://integrated-report.bnpparibas/2025/article/49
100. Innovation and digital serving the client experience — Societe Generale, Mar 18, 2026. https://societegenerale.com/en/societe-generale-group/strategy/innovation-and-digital
101. Garanti BBVA's smart assistant Ugi turns 10: AI transforming banking — BBVA, May 8, 2026. https://bbva.com/en/innovation/garanti-bbvas-smart-assistant-ugi-turns-10-ai-transforming-banking
102. Revolut enters new era of money intelligence with launch of AI assistant — Revolut, Apr 9, 2026. https://www.revolut.com/news/revolut_enters_new_era_of_money_intelligence_with_launch_of_ai_assistant/
103. Societe Generale accelerates the simplification of its organization and the development of skills to strengthen its efficiency — Societe Generale, Jan 22, 2026. https://societegenerale.com/sites/default/files/documents/2026-01/societe-generale-accelerates-the-simplification-of-its-organization.pdf
104. 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
105. Q2 2026 Analyst Conference Call Transcript — Deutsche Bank, Jul 29, 2026. https://investor-relations.db.com/files/documents/quarterly-results/2026/Q2-2026-Analyst-Call-Transcript-For-Upload.pdf

---

Canonical page: https://www.bankingnewsai.com/banks/societe-generale/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.