A year into enterprise experimentation, commercial banking’s biggest question remains unresolved: where is the ROI actually showing up? Is AI delivering defensible margin expansion through back-office cost takeout and automated exception handling, or does the real value sit in top-line drivers like predictive liquidity, deposit retention, and cash forecasting? This session evaluates hard production economics rather than theoretical potential. We unpack which use cases are generating measurable financial returns, which high-cost initiatives are struggling to break even, and where infrastructure friction skews the bottom line. Ultimately, we will outline a clear-eyed framework for what a credible AI business case looks like today.