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The 2025 Evident AI Banking Index ranks 50 global banks on AI maturity, with benchmarks including talent, innovation, leadership, and transparency. JP Morgan Chase and Capital One lead the list, with most banks showing year-over-year improvement.
Notably, 18 of the top 25 banks are Teradata customers, underscoring the importance of strong data platforms in successful AI adoption.
2025 Evident AI Banking Index: Who’s Leading in AI?
Evident AI has just released its 2025 Banking Index, offering a fresh look at how the world’s largest banks are adopting and advancing artificial intelligence (AI). Curious about who’s on top? Below are the key takeaways, but you can also read the full report here.
What is Evident AI?
Founded by two financial journalists in the U.K., Evident AI is a consultancy made up of data scientists, AI researchers, and analysts. In 2023, they launched the Evident AI Banking Index, a benchmark that tracks AI maturity across 50 major banks in North America, Europe, and Asia.
The index is built on 90 indicators sourced from millions of public data points and evaluates banks across four key dimensions:
- Talent (45%): number and concentration of AI professionals, plus efforts to attract and retain them
- Innovation (30%): AI-related research, patents, investments, acquisitions, and open-source contributions
- Leadership (15%): executive-level AI strategy and communications
- Transparency (10%): responsible AI practices, including published policies, partnerships, and dedicated hires
2025 rankings: Who’s on top?
This year, 47 out of 50 banks improved their scores compared to 2024. The top two—JP Morgan Chase and Capital One—held their positions and posted the biggest gains, with score increases of 9 and 9.6 points, respectively.
Of the top 10 banks listed below, note that six are headquartered in the U.S.
| Bank | Headquarters | Index |
|---|---|---|
| JP Morgan Chase | USA | 79 |
| Capital One | USA | 78.1 |
| RBC | Canada | 58.4 |
| Comm Bank | Australia | 53.9 |
| Morgan Stanley | USA | 52.2 |
| Wells Fargo | USA | 50.9 |
| UBS | Switzerland | 50.2 |
| HSBC | UK | 49.8 |
| Goldman Sachs | USA | 49 |
| Bank of America | USA | 48.8 |
Top 10 banks in the 2025 Evident AI Banking Index
Year-over-year changes
When comparing this year’s rankings to 2024, two facts stand out:
- The top three banks remained unchanged
- Morgan Stanley (+5), Goldman Sachs (+2), and Bank of America (+5) made significant jumps into the top 10
| Bank | Headquarters | Rankings Change, 2025 vs 2024 |
|---|---|---|
| JP Morgan Chase | USA | - |
| Capital One | USA | - |
| RBC | Canada | - |
| Comm Bank | Australia | +1 |
| Morgan Stanley | USA | +5 |
| Wells Fargo | USA | -2 |
| UBS | Switzerland | -1 |
| HSBC | UK | -1 |
| Goldman Sachs | USA | +2 |
| Bank of America | USA | +5 |
2025 rankings vs. 2024: Who moved up?
AI and bank performance
Evident AI’s 2024 report highlighted a strong link between AI maturity and operational efficiency. In fact, 60% of banks that lowered their cost-to-income ratio either maintained or improved their index ranking.
Teradata’s role in AI success
A high ranking in the index signals a bank’s strength in data and analytics—critical foundations for successful AI adoption. That’s why it’s no surprise that 18 of the top 25 banks in the 2025 Banking Index are Teradata customers.
Teradata is also a proud sponsor of the upcoming Evident AI Symposium on October 23 in New York City, where top-ranked banks will share their AI strategies.