GenAI adoption in commercial credit, by bank size| ��ƽ��

Commitment to the implementation of generative AI (GenAI) in the credit portfolio management activities of banks worldwide in 2024, by size of institution

Characteristic	Adoption is a priority	Interested, but not a clear priority	Not a priority
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Release date

July 2025

More information

Region

Worldwide

Survey time period

H2 2024

Number of respondents

33 respondents

Age group

18 years and older

Special properties

Senior executives at financial institutions worldwide; Institutions included "megabanks", "super-regional" banks, "core regional" banks, along with insurance companies/brokers and development banks.

Supplementary notes

The source does not clarify the survey method used.

The question was phrased by the source as follows: "How would you describe your institution's leadership commitment to the adoption of gen AI? (select one)"

Megabanks were defined as institutions holding more than 1,000 billion U.S. dollars in assets. Super-regional banks were those with assets between 500 billion and 1,000 billion U.S. dollars, while core regional banks had between 100 billion and 500 billion U.S. dollars. The “other” category included institutions such as insurance companies, brokers, and development banks.

Citation formats

Most banking institutions’ leadership teams considered GenAI adoption a top priority for their commercial credit business. This is according to a survey conducted in the second half of 2024, focusing on credit portfolio management. Specifically, *** megabanks, **** super-regional banks, **** core regional banks, and *** other types of banking institutions identified it as a key focus. In addition, several respondents expressed interest in GenAI but did not rank it as an immediate priority, while only core regional banks stated that implementation was not a priority.