Evident AI published its 2026 index of AI deployment success in global banking. JP Morgan Chase again leads the rankings. Capital One remains second but slipped in leadership scores. RBC and CommBank held third and fourth places. Wells Fargo rose to fifth, replacing Morgan Stanley. TD Bank, Goldman Sachs and BNY also climbed the list. Average scores across all banks rose over 26% in the past year. The top ten banks reported more AI-driven benefits than before. Productivity copilots are now the most common AI use case. General productivity gains outpace technical development impacts. AI talent roles in risk, product and enablement are growing fastest. Banks now focus AI research on specific opportunities rather than broad topics. ROI analysis is becoming a priority for AI projects.
What changed
AI in banking was mostly back-office machine learning by the largest institutions.
What it unlocks
Banks can now scale AI tools across roles and measure their impact more clearly.
- 26% average score increase across all pillars
- 1.5B USD realised AI value at JPMC in 2025
- 2B USD annualised AI benefits at JPMC
- 1B CAD net AI value target at RBC by 2027
Sources