The AI Balance Sheet
How can the leaders of financial services turn AI into measurable business value while protecting capital, trust, the balance sheet and long-term competitiveness?
AI Balance Sheet: Risk, Reward and Responsibility in Financial Services gives Boards, C-suite leaders and practitioners a practical blueprint to make better AI decisions and deliver measurable outcomes. Readers will learn how to set AI risk appetite, strengthen governance and controls, meet regulatory expectations, quantify the economics of AI, and its value.
Written from a business, balance sheet and governance perspective, the book addresses the real-world tension between innovation and control, compliance and commercial momentum. It addresses the leadership challenge that has shifted from AI deployment to institutional control, fiduciary explainability and value realization.
The Glass Box Governance Framework provides a practical approach to making AI transparent, explainable and accountable. The ROI of Trust helps leaders assess trust as an enterprise asset, while Financialization of AI Risk and Governance and the AI Balance Sheet bring AI into the language of financial performance, capital and institutional value, and to make responsible AI economically defensible.
For global banking and financial services leaders, risk and finance professionals, regulators, advisers and practitioners, this is an authoritative reference that will help them make informed AI choices, govern with confidence, demonstrate value and convert responsible AI into durable competitive advantage.
Saloni Ramakrishna is a distinguished practitioner with over 30 years of global leadership experience at the intersection of financial services, technology, and risk management. Her published work includes books on climate risk management with De Gruyter and enterprise compliance risk management with Wiley. A strategist, financial services thought leader, and TEDx speaker, she combines hands-on leadership experience with collaboration across executive teams, consultants and senior regulators internationally. Widely travelled across multiple continents, she has architected operational frameworks that reconcile rigorous compliance with commercial velocity.
With a rare techno-functional perspective, she bridges technology and boardroom priorities, connecting innovation with risk, regulation, financial performance and institutional resilience. Her technical fluency and commercial perspective inform practical frameworks for institutional decision-making. Her work on Responsible AI and the “ROI of Trust” addresses a central concern for senior practitioners: how to realise AI’s financial rewards while maintaining accountability, regulatory discipline and institutional resilience.