Morgan Stanley analysts say the spread of artificial intelligence across European banking could significantly change staffing levels over the coming years. The firm projects that AI could raise bank productivity by about 30%, and that this may translate into workforce reductions of up to roughly 20% in the shorter term, with the impact potentially extending to around 2030. Multiple reports describe the forecast as an increase from an earlier estimate, with one outlet noting Morgan Stanley doubles its earlier projection. The sources also describe how cuts could occur without purely involuntary layoffs, including through voluntary exits and restructuring of support functions. At least some banks are already exploring AI-enabled reorganization, and some outlets cite examples of reductions or restructuring underway at institutions such as UBS, ABN Amro, and HSBC. Other reported considerations include that AI could also support revenue growth by improving areas such as customer targeting and service. Overall, the coverage reflects a view that AI implementation will reshape roles, with some positions reduced even as productivity and certain business functions may improve.