加速银行业生成式AI潜能向利润转化之路

January 2026By Davids Tjhin, Tushar Agarwal, Harish Koundinya, Sai Prasad Kolluri, Asif Saleem, and Kunal Talwar Boston Consulting Group Google Cloud Boston Consulting Group partners with leaders in businessand society to tackle their most important challenges andcapture their greatest opportunities. BCG was the pioneerin business strategy when it was founded in 1963. Today,we work closely with clients to embrace a transformationalapproach aimed at benefiting all stakeholders—empoweringorganizations to grow, build sustainable competitiveadvantage, and drive positive societal impact. Google Cloud is the new way to the cloud, providing AI,infrastructure, developer, data, security, and collaborationtools built for today and tomorrow. Google Cloud offersa powerful, optimized AI stack with its own planet-scaleinfrastructure, custom-built chips, generative AI modelsand development platform, as well as AI-poweredapplications, to help organizations transform. Customersin more than 200 countries and territories turn to GoogleCloud as their trusted technology partner Our diverse, global teams bring deep industry and functionalexpertise and a range of perspectives that question thestatus quo and spark change. BCG delivers solutionsthrough leading-edge management consulting, technologyand design, and corporate and digital ventures. We workin a uniquely collaborative model across the firm andthroughout all levels of the client organization, fueled bythe goal of helping our clients thrive and enabling them tomake the world a better place. Contents 01Introduction02The true opportunity of(Gen)AI for Banks03What is driving the gapbetween potential andperformance?04Rethinking the path to getahead with (Gen)AI05GenAI & Agentic AITechnology for Banking06Call to action: The ScalingAI Playbook Introduction Despite this remarkable pace and promise, we findsignificant gaps still remaining in turning promise intorealized value. While AI is transforming businesses fasterthan ever, only 51% of financial institutions report havingrealized any value thus far from their AI initiatives. Artificial Intelligence (AI) has reshaped financialservicesover the past two decades.Today, the pace of change is accelerating once again. Predictive AI helped financial institutions defend againstdigital disruptors and streamline their operations. Thearrival of generative AI (GenAI) amplified both opportunityand risk—raising new questions about value creation,trust, and responsible adoption. Of this 51%, just 3% of financial institutions have achievedvalue from AI at scale. These ‘future-built’ leaders havedeveloped the right foundations—robust data architecture,governance, and talent—and are now pulling ahead oftheir peers. Agentic AI stretches the frontier further. By enablingsystems to act autonomously, agentic AI moves beyondanalysis into action, turning insight into execution. A further 48% of banks are beginning to see early results,but have yet to scale their initiatives or demonstrateconsistent outcomes. Meanwhile, the remaining 49% stillstruggle to capture tangible returns, reporting minimalrevenue gains or cost efficiencies despite significantspending. Leaders across the industry recognize that AI will drive afundamental shift in how financial institutions operate,compete, and create value. In Boston Consulting Group’s(BCG) 2025 global survey of 1,250 executives, 75% rankedAI and GenAI among their top three strategic priorities forthe year ahead. Within financial institutions, 65% seesubstantial value potential in GenAI. Companies aredoubling down on their GenAI investments, which areexpected to increase by 60% in the next 3 years. In the last three years, future-built financial institutionshave grown faster and delivered stronger shareholderreturns compared to ‘laggards’—the bottom 49%. EXHIBIT 1 The AI value gap for Financial Institutions These institutions have achieved 3.5x faster revenuegrowth and delivered 2.2x higher total shareholder returnsover the last three years. This performance gap is furtherexacerbated by GenAI and agentic AI which aretransforming how financial institutions create and capturevalue. Leading financial institutions are already seeing returns.On average, these banks have realized a 2.4% increase inrevenue and 4.2% reduction in cost—nearly double thatachieved by laggards. Leaders are reinvesting these returns in new AI capabilities.These leaders are spending more on IT as a share ofrevenue, and allocating a greater share of the IT budget toAI. By 2028, future-built banks expect a 9.3% revenueincrease and 12.3% cost reduction, both significantly higherthan the projections of less AI mature institutions. GenAI is expanding the scope of what financial institutionscan achieve. By leveraging large language models (LLM)and multimodal architectures, banks can now generatecontent with prompts, extract insights from unstructureddata, and create conversational interfaces that transformcustomer interaction