AI strategy, investment and delivery—in companies’ own words.

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and the ability to achieve expected or potential benefits, such as increased productivity and cost savings;”

Context: Bank of America quarterly report filed 31 Jul 2026, risk disclosures

“technological changes, including usage-based methods of determining premiums, advancements in certain emerging technologies, including machine learning, predictive analytics, “big data” analysis or other artificial intelligence functions, advancements in automotive safety features, the development of autonomous vehicles, and platforms that facilitate ride sharing could provide our competitors with a competitive advantage and could impact the rate and severity of claims, as well as the demand for our products”

Context: Form 10-Q, forward-looking statements / risk factors section

“the Company’s business success and profitability depend, in part, on effective information technology systems and on continuing to develop and implement improvements in technology, including with respect to artificial intelligence, particularly as its business processes become more digital”

Context: Technology and Intellectual Property Risks section

“the Company’s competitive advantages and innovation agenda, including executing on that agenda with respect to artificial intelligence”

Context: Forward-Looking Statements section

“the intense competition that the Company faces, including with respect to attracting and retaining employees, and the impact of innovation, technological change, including with respect to artificial intelligence, and changing customer preferences on the insurance industry and the markets in which it operates, could harm its ability to maintain or increase its business volumes and its profitability”

Context: Business and Operational Risks section

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and the ability to achieve potential benefits, such as increased productivity and cost savings;”

Context: Bank of America quarterly report, page 2

“technological changes, including usage-based methods of determining premiums, advancements in certain emerging technologies, including machine learning, predictive analytics, “big data” analysis or other artificial intelligence functions, advancements in automotive safety features, the development of autonomous vehicles, and platforms that facilitate ride sharing could provide our competitors with a competitive advantage and could impact the rate and severity of claims, as well as the demand for our products”

Context: Forward-looking statements / Risk factors section

“the Company’s business success and profitability depend, in part, on effective information technology systems and on continuing to develop and implement improvements in technology, including with respect to artificial intelligence, particularly as its business processes become more digital;”

Context: Technology and Intellectual Property Risks, Risk Factors

“the Company’s competitive advantages and innovation agenda, including executing on that agenda with respect to artificial intelligence;”

Context: Forward-Looking Statements, Risk Factors

“the impact of innovation, technological change, including with respect to artificial intelligence, and changing customer preferences on the insurance industry and the markets in which it operates, could harm its ability to maintain or increase its business volumes and its profitability;”

Context: Business and Operational Risks, Risk Factors

“Certain provisions of the E.U. AI Act apply from February 2025, with other provisions applying between August 2025 and August 2027. The E.U. AI Act establishes rules for placing on the market, putting into service, and using artificial intelligence systems in the E.U.”

Context: Annual Report 2025, Regulatory Developments section

“the development and use of artificial intelligence present risks and challenges that may materially adversely impact our business”

Context: Risk Factors section

“the opportunities and challenges presented by artificial intelligence (AI)”

Context: Annual Report 2025, Forward-looking statements

“Artificial intelligence-related (AI) LRRs are also rapidly evolving in the U.S. and non-U.S. jurisdictions imposing various obligations, including AI governance and risk management, transparency and consumer disclosures, documentation and reporting requirements, AI use restrictions and enhanced compliance obligations for AI systems, including those categorized as high risk.”

Context: Item 1, Business - Regulatory Matters

“advances in AI, such as the use of machine learning, generative AI, and quantum computing by malicious actors to develop more advanced social engineering attacks on the Company or its clients, including targeted phishing and smishing attacks”

Context: Part I, Item 1A. Risk Factors

“that models, prompts, algorithms, and datasets, as well as related decisions, predictions, analysis, and other output, are flawed, inaccurate, of poor quality, insufficient, biased, or otherwise erroneous or inadequate, any of which may not be easily detectable. In addition, the models and processes relating to AI are not always transparent, which could increase the risk of unintended deficiencies.”

Context: Part I, Item 1A. Risk Factors

“The Company also launched an “AI Essentials Channel” on Skills Academy, which is designed to help team members build skills in effectively using Company-approved artificial intelligence tools in their daily work.”

Context: Annual report for the period ended 31 December 2025, employee development section

“Within this competitive environment, The Hartford is continuing to invest in its underwriting systems and capabilities, including investing in speed to market solutions, enhancing its digital experience, leveraging its sales and underwriting talent and expanding its use of data analytics, artificial intelligence capabilities and third party data to make expert risk selection and pricing decisions as the firm pursues responsible growth strategies to deliver target returns.”

Context: Middle & Large Business segment operational review

“Although it currently impacts a minority of the overall number of models that we use, we increasingly use models related to how we do business with customers and for internal process automation that leverage AI/machine learning algorithms. These models can be more predictive, but because of the complex way in which the many variables in AI/machine learning models interact, the results of these models are often less interpretable than traditional statistical models.”

Context: Risk Factors, PNC 2025 Form 10-K

“Accelerating artificial intelligence enablement and responsibly leveraging data, analytics, and digital capabilities to deliver smarter, faster outcomes across the businesses;”

Context: Priority description under the company's value creation strategy

“Increased use of advanced analytics (e.g., artificial intelligence) and automation in the workplace could potentially affect the demand for workers' compensation and employee benefits products over time.”

Context: Risk Factors section

“Use of artificial intelligence by us or by such third parties could also result in inadvertent disclosure of our confidential information.”

Context: Risk Factors section regarding data privacy and third-party dependencies

“Examples include expanded use of cloud computing, artificial intelligence (AI) and machine learning, biometric authentication, voice and natural language, data privacy and security enhancements and increased online and mobile device interaction with customers, including innovative ways that customers can manage their accounts.”

Context: Risk Factors, PNC 2025 Form 10-K

“For example, federal and state legislative efforts on Paid Family and Medical Leave, artificial intelligence, data privacy and cyber security, risk-based pricing, and sustainability practices could have unanticipated consequences for the Company and its businesses.”

Context: Discussion of legal and regulatory compliance risks

“We use automation, machine learning, AI and robotic process automation tools to help reduce some risks of human error.”

Context: Risk Factors, PNC 2025 Form 10-K

“The techniques used in cyber attacks and breaches change rapidly and are increasingly sophisticated, including through the use of generative AI and deepfakes, and we expect in the future through the use of quantum computing, and we may not be able to anticipate cyber attacks or other data security breaches.”

Context: Risk Factors, PNC 2025 Form 10-K

“In recent years, the Company has invested significant additional resources in many of its claims handling operations, including digital, analytics, artificial intelligence and automation capabilities.”

Context: Item 1, Claims Management section

“Our business success and profitability depend, in part, on effective information technology systems and on continuing to develop and implement improvements in technology, including artificial intelligence, particularly as our business processes become more digital.”

Context: Item 1A, Technology and Intellectual Property Risks

“In addition, new technology, such as artificial intelligence, could create unforeseen exposures or coverage issues under the policies we write and aggravate claims fraud and cybercrime.”

Context: Item 1A, Business and Operational Risks

“There is significant competition from within the property and casualty insurance industry and from businesses outside the industry for qualified employees, especially those in key positions and those possessing highly specialized knowledge in areas such as underwriting, data and analytics, technology, claims and artificial intelligence.”

Context: Item 1A, Business and Operational Risks

“risks associated with the adoption of emerging technologies, such as cloud computing, artificial intelligence (AI), including generative AI (GenAI), and robotics”

Context: Caution Regarding Forward-Looking Statements section

“Adoption continues to accelerate, with approximately 7 million utilizations of Citi’s two enterprise-wide tools year-to-date (approximately three times increase versus previous quarter) ◦ Approximately 1 million automated code reviews completed by Citi’s Generative AI tools year-to-date, saving approximately 100,000 hours per week across Citi’s developer population”

Context: Citi quarterly report, technology priorities update

“Our business may be negatively affected by risks associated with strategic initiatives we are undertaking to enhance the effectiveness, including the adoption or integration of new technologies such as artificial intelligence, and efficiency of our operations and of our cybersecurity and technology infrastructure or by our failure to meet the related, resiliency or other expectations of our clients and regulators”

Context: Management's Discussion and Analysis of Financial Condition, Operational and Technology Risks section

“Our development and completion of new products and services, including State Street Alpha ® and those related to wealth servicing, alternative investment management or digital assets or incorporating artificial intelligence, may impose costs on us, involve dependencies on third parties and may expose us to increased risks”

Context: Management's Discussion and Analysis of Financial Condition, Strategic Risks section

“Advances in technology, including generative AI, and use of such technology by malicious actors could heighten these risks.”

Context: BlackRock Annual Report 2023, Risk Factors - Cybersecurity

“AI technologies, including generative AI, may create content that appears correct but is factually inaccurate or flawed.”

Context: BlackRock Annual Report 2023, Risk Factors

“Investments in Aladdin AI copilots, enhancements in openness supporting ecosystem partnerships, and advancing whole portfolio solutions including private markets and digital assets are expected to further augment the value of using Aladdin.”

Context: BlackRock Annual Report 2023, Technology Platform and Distribution Section

“BlackRock uses machine learning and AI in its business and expects to continue to expand its AI capabilities, including through generative AI.”

Context: BlackRock Annual Report 2023, Risk Factors