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2025 Edition

Evident AI Index

The global standard benchmark of AI maturity in banking

EVIDENT AI INDEX: BANKING

October 2025

Now in its fourth edition, the Evident AI Index sets the global standard for measuring how banks are adopting AI.

It is the most comprehensive and trusted benchmark of its kind, analysing 50 of the world’s largest banks across North America, Europe, and Asia.

Drawing on millions of publicly available data points, the Index evaluates performance against 70+ indicators across four critical pillars of AI capability: Talent, Innovation, Leadership, and Transparency.

Together, these measures offer an unparalleled view of the state of AI in banking—revealing not only who is leading the race, but how the sector as a whole is evolving.

COMPANY

▼

RANK
TALENT
INNOVATION
LEADERSHIP
TRANSPARENCY
JPMorganChase
1
-
2
-
1
-
1
↑2
1
-
Capital One
2
-
1
-
2
↑1
20
↓6
17
↓3
Royal Bank of Canada
3
-
12
↓6
3
↓1
3
↑5
3
↑7
CommBank
4
↑1
4
↑3
13
↓1
4
↓2
2
↑3
Morgan Stanley
5
↑5
13
↑5
4
-
9
↑8
21
↑21
Wells Fargo
6
↓2
6
↓2
5
-
40
↓4
14
↓6
UBS
7
↓1
3
-
25
↓7
7
↑8
4
↑11
HSBC
8
↓1
14
↑1
8
↑1
15
↓10
6
↓3
Goldman Sachs
9
↑2
7
↑6
9
↓3
18
↑9
23
↑14
Bank of America
10
↑5
10
↑1
7
↑4
12
↑6
24
↓4
BNP Paribas
11
↑1
8
↑4
11
↑3
8
↓2
25
↓4
Citigroup
12
↓4
5
-
6
↑1
26
↓13
30
↑13
TD Bank
13
↓4
11
↓1
10
↓2
19
↑1
15
↑1
BBVA
14
↓1
9
↓1
12
↑8
11
↓4
20
↑6
Lloyds Banking Group
15
↑12
16
↑12
15
↑2
13
↑20
5
↑14
NatWest
16
↑2
18
↓2
20
↑3
6
↑10
10
↓1
BNY
17
↓3
20
-
18
↓5
14
↓4
9
↑2
DBS
18
↓2
23
↓2
40
↑10
2
↓1
12
↓5
Bank of Montreal
19
↑5
26
↑1
16
↓6
25
↑14
13
↑4
ING
20
↓3
15
↓6
28
↓9
23
↓14
33
↓9
Santander
21
↑7
25
↓2
30
↑1
5
↑29
35
↓17
CIBC
22
-
32
↓3
26
↑2
17
↑7
11
↓5
Barclays
23
↑2
17
↑2
23
↓2
47
↓2
19
↑9
Société Générale
24
↓3
24
↓7
33
↓3
16
↑7
28
↑1
Groupe BPCE
25
↑15
29
↑14
29
↑8
21
↑22
18
↑23
Standard Chartered
26
↓7
33
↓2
21
↓6
36
↓25
8
↓6
Intesa Sanpaolo
27
↓4
44
↑2
14
↑10
22
↓18
16
↓4
Deutsche Bank
28
↓2
27
↓2
17
↓1
41
↓10
27
↑6
Scotiabank
29
↓9
28
↓6
44
↓8
31
↓9
7
↓3
Rabobank
30
-
22
↑2
34
↑7
43
↓14
37
↓7
Crédit Agricole
31
↑1
30
↑4
24
↑1
28
-
47
↓7
ABN AMRO
32
↓3
19
↓5
35
-
45
↓10
46
-
Danske Bank
33
↑9
21
↑14
47
↑2
32
↑16
39
↓5
NAB
34
-
38
↓6
45
↑1
24
↑8
22
↓9
Charles Schwab
35
↑14
39
↑3
32
↑12
30
↑10
41
↑7
Truist Bank
36
↑7
41
↑3
19
↑15
42
↑4
43
↑2
ANZ
37
↓4
36
-
38
↑2
38
↓26
29
↓4
Commerzbank
38
↑7
40
↑8
39
↑3
27
↑14
42
↓19
Raiffeisen Bank Intl
39
↑8
31
↑10
48
↓5
37
↑5
36
↑13
US Bank
40
↓4
37
↓7
31
↑1
46
↓9
31
↑1
CaixaBank
41
-
46
↓6
49
↓4
10
↑28
40
↓2
PNC Financial
42
↓7
34
↓8
37
↑1
49
↓5
26
↑9
State Street
43
↓12
45
↓7
36
↓10
39
↓18
34
↓7
UniCredit
44
↑2
48
↓1
27
↑2
29
↑21
45
↓9
Westpac
45
↓8
42
↓5
41
↓2
35
↓16
38
↓16
Crédit Mutuel
46
↓2
49
↑1
22
↑5
48
↓23
32
↓1
Citizens Financial
47
↓8
35
↓2
50
↓3
33
↓3
49
↓2
KBC
48
↓10
47
↓2
42
↓20
34
↓8
48
↓9
Nordea
49
↓1
43
↓4
46
↑2
44
↑3
44
-
First Citizens
50
-
50
↓1
43
↓10
50
↓1
50
-

2025 EVIDENT AI INDEX: KEY FINDINGS REPORT

Blue_Murmuration_Card

Key Findings Report

2025 Edition

Key Findings |
October 2025

Evident AI Index Key Findings Report

The 2025 Key Findings Report provides a deep dive into the state of AI in banking, featuring performance profiles of leading banks, regional comparisons, and spotlights on emerging disruptors. The report also tracks longitudinal trends across Talent, Innovation, Leadership and Transparency, revealing how the sector is evolving over time.

Testimonial

“As the business impact of AI continues to grow, benchmarks like the Evident AI ranking help set the standards for organizations and elevate the overall financial AI ecosystem.”

Foteini Agrafioti, SVP, Data and AI and Chief Science Officer, RBC

"Evident's annual AI Index is emerging as the benchmark for AI adoption and reputation in the global banking community."

Prem Natarajan, EVP, Chief Scientist and Head of Enterprise AI, Capital One

"Evident’s independent analysis provides valuable insights on the progress being made in our industry to realize the full transformational potential of this powerful technology."

Teresa Heitsenrether, Chief Data & Analytics Officer, JPMorganChase

15 OCTOBER | LAUNCH ROUNDTABLE

In this virtual roundtable, our experts unpack the latest findings from the Evident AI Index, spotlight the most significant shifts since last year’s ranking, and examine what three years of data reveal about the pace and direction of AI adoption across the banking sector.

251015-panel-update

How banks work with us

BENCHMARKING
Leverage public and private data to develop a holistic view of AI maturity vs peers

INTELLIGENCE
Access year-round reports covering the cutting-edge trends in AI banking and insurance

TRACKERS
Stay up-to-date with the latest use cases, ROI and talent announcements across the sector

COMMUNITY
Connect with peers to gain insights and discuss shared challenges behind closed doors.

Methodology

The Evident AI Index is an "outside-in" assessment based on publicly available data from both company reporting and a range of third-party data sources. It has been built with input from 50+ leading subject matter experts in banking, technology, and benchmarking. Each company is assessed on 70+ individual indicators across four pillars of analysis

PILLAR

WEIGHTING

Talent

Talent

Capability & development

45%

Innovation

Innovation

Research, patents, ventures, ecosystem

30%

Leadership

Leadership

in public communications and strategy

15%

Transparency

Transparency

of responsible AI activities

10%

Get in touch

Interested in finding out more about the Index and how we work with banks? Get in touch below.

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