The Banker publishes an op-ed by Christophe Pérignon, professor at HEC Paris, and Christophe Hurlin, arguing that banks’ traditional stress tests underestimate the credit risks posed by AI. They contend that high-income borrowers, often considered the safest, may in fact be the most exposed to AI-driven income disruption, and call for new stress-testing frameworks that incorporate occupational AI exposure into credit risk assessments.
