The Bank of New York Mellon Corporation (BK): Business Model Canvas

In der komplexen Landschaft globaler Finanzdienstleistungen erweist sich die Bank of New York Mellon Corporation als führendes Unternehmen für innovative Bank- und Anlagelösungen. Durch den Einsatz eines ausgefeilten Geschäftsmodells, das strategische Partnerschaften, modernste Technologie und umfassende Finanzdienstleistungen umfasst, hat sich BK als zentraler Akteur im institutionellen Vermögensmanagement und im globalen Transaktionsbanking positioniert. Dieser dynamische Ansatz ermöglicht es dem Unternehmen, anspruchsvolle Finanzökosysteme bereitzustellen, die auf komplexe institutionelle Bedürfnisse eingehen und traditionelle Bankparadigmen durch strategische Ressourcenallokation und wertorientierte Angebote transformieren.

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit globalen Finanztechnologieunternehmen

Die Bank of New York Mellon Corporation unterhält strategische Partnerschaften mit mehreren wichtigen Finanztechnologieunternehmen:

Partner	Technologiefokus	Jahr der Partnerschaft
Microsoft Azure	Cloud-Computing-Infrastruktur	2020
Salesforce	Kundenbeziehungsmanagement	2019
IBM	Blockchain- und KI-Lösungen	2018

Zusammenarbeit mit Vermögensverwaltungs- und Investmentdienstleistern

BK arbeitet mit mehreren Vermögensverwaltungs- und Investmentdienstleistern zusammen:

• BlackRock – Investment-Management-Plattform
• State Street Global Advisors – Investmentdienstleistungen
• Vanguard – Zusammenarbeit im Asset Management

Partnerschaften mit Unternehmen für die Einhaltung gesetzlicher Vorschriften und Cybersicherheitstechnologie

Zu den wichtigsten Partnerschaften im Bereich Cybersicherheit und Compliance-Technologie gehören:

Partner	Technologiebereich	Jährliche Investition
Palantir-Technologien	Analyse der Einhaltung gesetzlicher Vorschriften	15,2 Millionen US-Dollar
CrowdStrike	Cybersicherheitsschutz	8,7 Millionen US-Dollar
Palo Alto Networks	Netzwerksicherheit	12,5 Millionen US-Dollar

Joint Ventures mit internationalen Bank- und Finanzinstituten

Internationale Bankpartnerschaften und Joint Ventures:

Partnerinstitution	Geografische Region	Partnerschaftstyp
HSBC-Beteiligungen	Vereinigtes Königreich/Global	Grenzüberschreitende Investmentdienstleistungen
JPMorgan Chase	Vereinigte Staaten	Treasury-Dienstleistungen für Unternehmen
Deutsche Bank	Deutschland	Europäischer Marktzugang

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Hauptaktivitäten

Investmentmanagement und Asset Servicing

Im vierten Quartal 2023 verwaltete BNY Mellon ein verwaltetes Vermögen von 2,2 Billionen US-Dollar und ein verwahrtes und verwaltetes Vermögen von 48,3 Billionen US-Dollar.

Servicekategorie	Gesamtvermögen	Marktsegment
Institutionelle Vermögensverwaltung	1,8 Billionen Dollar	Pensionsfonds, Regierungen
Vermögensverwaltung	400 Milliarden Dollar	Vermögende Privatpersonen

Wertpapierleihe und Treasury-Dienstleistungen

BNY Mellon wickelte im Jahr 2023 täglich Wertpapierleihgeschäfte in Höhe von 1,96 Billionen US-Dollar ab.

• Globales Wertpapierleihvolumen: 15,3 Billionen US-Dollar pro Jahr
• Durchschnittlicher täglicher Transaktionswert für Treasury-Dienstleistungen: 2,4 Billionen US-Dollar
• Anzahl institutioneller Kunden: 4.500+

Corporate Trust und Depositary Receipt Operations

Die Bank hat es geschafft 22.000 Unternehmenstreuhandbeziehungen im Jahr 2023.

Art des Depositary Receipts	Gesamtwert	Anzahl der Programme
American Depositary Receipts (ADRs)	680 Milliarden Dollar	Über 1.100 Programme

Globale Transaktionsbank- und Abwicklungsdienste

BNY Mellon verarbeitet 2,3 Billiarden US-Dollar an weltweiten Zahlungstransaktionen im Jahr 2023.

• Grenzüberschreitendes Zahlungsvolumen: 780 Billionen US-Dollar
• Abwicklungstransaktionen pro Tag: 360.000
• Globale Transaction-Banking-Kunden: 1.800 Institutionen

Entwicklung und Wartung der digitalen Banking-Plattform

Investition in die digitale Infrastruktur: 450 Millionen US-Dollar im Jahr 2023.

Digitale Plattformmetrik	Leistung 2023
Digitales Transaktionsvolumen	2,6 Milliarden Transaktionen
Mobile-Banking-Benutzer	1,2 Millionen aktive Benutzer

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Schlüsselressourcen

Umfangreiche globale Finanztechnologie-Infrastruktur

Ab dem vierten Quartal 2023 ist BNY Mellon tätig mit:

• Verwahrte und verwaltete Vermögenswerte in Höhe von 48,3 Billionen US-Dollar
• 2,4 Billionen US-Dollar verwaltetes Vermögen
• Technologieinfrastruktur in 35 Ländern

Kennzahlen zur Technologieinfrastruktur	Quantitative Daten
Globale Rechenzentren	12 Primärzentren
Jährliche Technologieinvestition	2,1 Milliarden US-Dollar (2023)
Budget für Cybersicherheit	450 Millionen US-Dollar jährlich

Hochqualifizierte Finanzexperten und Datenanalysten

Zusammensetzung der Belegschaft ab 2024:

• Gesamtbeschäftigte: 52.000
• Inhaber eines höheren Abschlusses: 68 %
• Weltweite Verteilung der Belegschaft auf 35 Länder

Robuste digitale Banking-Plattformen und Cybersicherheitssysteme

Digitale Plattformfunktionen	Spezifikationen
Geschwindigkeit der Transaktionsverarbeitung	99,99 % Verfügbarkeit
Tägliche digitale Transaktionen	3,8 Millionen Transaktionen
Erkennung von Cybersicherheitsbedrohungen	Echtzeit-Überwachungssysteme

Umfangreiches Finanzkapital und Anlageportfolios

Finanzielle Ressourcen zum 31. Dezember 2023:

• Gesamtvermögen: 497,3 Milliarden US-Dollar
• Kernkapitalquote: 14,2 %
• Regulatorisches Kapital: 62,5 Milliarden US-Dollar

Umfassende Client-Relationship-Management-Netzwerke

Client-Netzwerkmetriken	Datenpunkte
Institutionelle Kunden	7.500 Firmen- und institutionelle Kunden
Globale Kundenabdeckung	Über 100 Märkte weltweit
Durchschnittliche Kundenbeziehungsdauer	17,3 Jahre

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Wertversprechen

Fortschrittliche globale Asset-Management-Lösungen

Ab dem vierten Quartal 2023 verwaltete die Bank of New York Mellon Corporation 2,2 Billionen Dollar im verwalteten Vermögen. Das Unternehmen bietet globale Anlageverwaltungsdienstleistungen für mehrere Anlageklassen an.

Anlageklasse	Gesamtes verwaltetes Vermögen
Eigenkapital	682 Milliarden US-Dollar
Festverzinsliche Wertpapiere	541 Milliarden US-Dollar
Multi-Asset	377 Milliarden US-Dollar

Umfassende institutionelle Finanzdienstleistungen

BK bietet institutionelle Finanzdienstleistungen mit globaler Reichweite Über 1.800 institutionelle Kunden über verschiedene Branchen hinweg.

• Verwahrungsdienstleistungen für Vermögenswerte in Höhe von 43,3 Billionen US-Dollar
• Wertpapierleihvolumen von 583 Milliarden US-Dollar
• Globale Transaktionsbankdienstleistungen in 35 Ländern

Hochsichere digitale Banking- und Investmentplattformen

Zu den Funktionen der digitalen Plattform gehören: fortschrittliche Cybersicherheitsinfrastruktur Schutz von 2,5 Billionen US-Dollar an digitalen Transaktionsvolumina.

Digitaler Service	Transaktionsvolumen
Digitale Zahlungen	1,2 Billionen Dollar
Online-Investitionsplattformen	687 Milliarden US-Dollar

Maßgeschneiderte Vermögensverwaltungs- und Anlagestrategien

Das Segment Vermögensverwaltung generiert 1,6 Milliarden US-Dollar Jahresumsatz mit personalisierten Anlagelösungen.

• Durchschnittliche Kontogröße: 12,4 Millionen US-Dollar
• Kundenstamm mit hohem Nettovermögen: über 22.000 Kunden
• Anpassung der Anlagestrategie für 47 Anlagestile

Effiziente grenzüberschreitende Finanztransaktionsmöglichkeiten

Abwicklung grenzüberschreitender Transaktionsdienstleistungen 78,6 Billionen US-Dollar bei internationalen Finanztransfers im Jahr 2023.

Region	Transaktionsvolumen
Nordamerika	42,3 Billionen US-Dollar
Europa	21,7 Billionen Dollar
Asien-Pazifik	14,6 Billionen US-Dollar

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement für institutionelle Kunden

Die Bank of New York Mellon Corporation betreut ab 2023 mehr als 1.700 institutionelle Kunden in 35 Ländern. Die durchschnittliche Kundenbeziehungsdauer beträgt mehr als 10 Jahre.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Jahresumsatz pro Kunde
Institutionelle Anleger	1,250	4,3 Millionen US-Dollar
Unternehmenskassen	350	2,7 Millionen US-Dollar
Regierungsstellen	100	5,1 Millionen US-Dollar

Dedizierte Account-Management-Teams

BK beschäftigt weltweit über 750 engagierte Account-Management-Experten mit einer durchschnittlichen Kundenportfoliogröße von 350 Millionen US-Dollar pro Kundenbetreuer.

• Durchschnittliche Antwortzeit auf Kundenanfragen: 2,5 Stunden
• Kundenzufriedenheit: 88 %
• Verhältnis zwischen Kundenbetreuer und Kunden: 1:15

Digitale Self-Service-Plattformen und Tools

Die Nutzung digitaler Plattformen stieg im Jahr 2023 auf 72 % der gesamten Kundeninteraktionen, mit 3,2 Millionen monatlich aktiven digitalen Nutzern.

Digitale Plattformfunktion	Benutzerakzeptanzrate
Online-Transaktionsüberwachung	91%
Echtzeit-Reporting	84%
API-Integration	62%

Regelmäßige Finanzberichterstattung und Beratungsdienste

BK stellt mit 1.200 engagierten Research-Analysten vierteljährlich umfassende Finanzberichte für 95 % der institutionellen Kunden bereit.

• Häufigkeit der umfassenden Berichterstattung: Vierteljährlich
• Anzahl der Forschungspublikationen jährlich: 480
• Abdeckung der Beratungsleistungen: Globale Märkte in 35 Ländern

Maßgeschneiderte Anlageberatung

Die Anlageberatungsdienste erwirtschafteten im Jahr 2023 einen Beratungsumsatz von 1,2 Milliarden US-Dollar und deckten ein verwaltetes Vermögen von 4,3 Billionen US-Dollar ab.

Segment Anlageberatung	Gesamtes verwaltetes Vermögen	Jahresumsatz
Vermögensverwaltung	1,7 Billionen Dollar	520 Millionen Dollar
Institutionelle Anlageberatung	2,6 Billionen Dollar	680 Millionen Dollar

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Kanäle

Digitale Banking-Plattformen

Die digitalen Banking-Plattformen von BNY Mellon bedienen mehr als 1.800 institutionelle Kunden in 35 Ländern. Ab 2023 verarbeitete die Plattform ein tägliches Transaktionsvolumen von 2,1 Billionen US-Dollar.

Kennzahlen für digitale Plattformen	Daten für 2023
Gesamtzahl der digitalen Nutzer	1,845,000
Geschwindigkeit der Transaktionsverarbeitung	Durchschnittlich 3,2 Sekunden
Jährlicher digitaler Transaktionswert	743 Milliarden US-Dollar

Mobile-Banking-Anwendungen

Die mobile Anwendung von BNY Mellon unterstützt Zugang für institutionelle Kunden mit erweiterten Sicherheitsprotokollen.

• Monatlich aktive Benutzer der mobilen App: 412.000
• Cybersicherheits-Compliance: SOC 2 Typ II-zertifiziert
• Multi-Faktor-Authentifizierung aktiviert

Direktvertriebsteams

BNY Mellon beschäftigt weltweit 487 engagierte institutionelle Vertriebsprofis.

Geografische Verteilung des Vertriebsteams	Anzahl der Fachkräfte
Nordamerika	276
Europa	112
Asien-Pazifik	99

Corporate Relationship Manager

BNY Mellon beschäftigt 623 Corporate Relationship Manager auf den globalen Märkten.

• Durchschnittlicher Wert des Kundenportfolios: 1,4 Milliarden US-Dollar
• Kundenbindungsrate: 94,6 %
• Durchschnittliche Kundeninteraktionshäufigkeit: Vierteljährlich

Online-Investmentportale

Das Online-Investmentportal von BNY Mellon verwaltet Vermögenswerte in Höhe von 2,3 Billionen US-Dollar.

Kennzahlen des Investitionsportals	Statistik 2023
Gesamtes verwaltetes Vermögen	2,3 Billionen Dollar
Anzahl institutioneller Anleger	1,342
Jährliches Transaktionsvolumen	486 Milliarden US-Dollar

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Kundensegmente

Große institutionelle Anleger

Im vierten Quartal 2023 betreut BNY Mellon weltweit rund 1.800 institutionelle Anlagekunden. Das gesamte verwahrte und verwaltete Vermögen belief sich auf 43,3 Billionen US-Dollar.

Segmentmetriken	Wert
Gesamtzahl der institutionellen Kunden	1,800
Verwahrte Vermögenswerte	43,3 Billionen US-Dollar
Durchschnittliche Größe des Kundenportfolios	24,06 Milliarden US-Dollar

Unternehmen und Regierungsstellen

BNY Mellon bietet Finanzdienstleistungen für 1.200 Firmen- und Regierungskunden in 35 Ländern.

• Treasury-Management-Dienstleistungen für über 500 Fortune-1000-Unternehmen
• Cash-Management-Lösungen für über 200 Regierungsbehörden
• Globale Transaktionsbankdienstleistungen für multinationale Unternehmen

Wealth-Management-Kunden

Das Vermögensverwaltungssegment verwaltet ab 2023 Kundenvermögen in Höhe von 292 Milliarden US-Dollar.

Kennzahlen zur Vermögensverwaltung	Wert
Gesamtvermögen des Kunden	292 Milliarden US-Dollar
Durchschnittliches Nettovermögen des Kunden	15,6 Millionen US-Dollar
Anzahl vermögender Kunden	48,000

Finanzintermediäre

BNY Mellon betreut weltweit 3.500 Finanzintermediärkunden, darunter Banken, Versicherungsunternehmen und Pensionsfonds.

• Depotdienstleistungen für 1.200 Banken
• Anlageverwaltung für 850 Versicherungsgesellschaften
• Vorsorgeverwaltung für 1.450 Pensionskassen

Globale Investment-Management-Unternehmen

Das Segment Investment Management verwaltet im Jahr 2023 ein verwaltetes Vermögen von 2,2 Billionen US-Dollar.

Kennzahlen für das Investmentmanagement	Wert
Gesamtes verwaltetes Vermögen	2,2 Billionen Dollar
Anzahl der Anlageverwaltungskunden	750
Durchschnittliches Kundeninvestitionsportfolio	2,93 Milliarden US-Dollar

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Kostenstruktur

Investitionen in die Technologieinfrastruktur

Im Jahr 2023 gab die Bank of New York Mellon Corporation 1,8 Milliarden US-Dollar für Investitionen in Technologie und digitale Infrastruktur aus. Die Aufschlüsselung der Technologiekosten umfasst:

Kategorie „Technologie“.	Investitionsbetrag (Mio. USD)
Cloud-Computing	532
Cybersicherheitssysteme	415
Digitale Banking-Plattformen	385
Datenanalyse-Infrastruktur	268

Vergütung und Schulung der Mitarbeiter

Die gesamten mitarbeiterbezogenen Ausgaben beliefen sich im Jahr 2023 auf 4,2 Milliarden US-Dollar mit folgender Aufteilung:

• Grundgehälter: 2,7 Milliarden US-Dollar
• Leistungsprämien: 892 Millionen US-Dollar
• Mitarbeiterschulung und -entwicklung: 215 Millionen US-Dollar
• Gesundheitsversorgung und Sozialleistungen: 392 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Kosten für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf insgesamt 675 Millionen US-Dollar, verteilt auf:

Compliance-Bereich	Aufwand (Mio. USD)
Bekämpfung der Geldwäsche	218
Risikomanagement	192
Berichterstattung und Prüfung	165
Regulierungstechnologie	100

Kosten für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2023 auf 312 Millionen US-Dollar, mit folgender Aufteilung:

• Digitales Marketing: 124 Millionen US-Dollar
• Sponsoring von Firmenveranstaltungen: 58 Millionen US-Dollar
• Traditionelle Werbung: 86 Millionen US-Dollar
• Kundenbeziehungsmarketing: 44 Millionen US-Dollar

Forschungs- und Entwicklungsinvestitionen

Die F&E-Investitionen für 2023 beliefen sich auf 456 Millionen US-Dollar und konzentrierten sich auf:

F&E-Schwerpunktbereich	Investition (Mio. USD)
Künstliche Intelligenz	187
Blockchain-Technologien	112
Finanzproduktinnovation	95
Quantencomputerforschung	62

The Bank of New York Mellon Corporation (BK) – Geschäftsmodell: Einnahmequellen

Vermögensverwaltungsgebühren

Für das Geschäftsjahr 2023 berichtete die Bank of New York Mellon Corporation 4,3 Milliarden US-Dollar bei den Gebühren für Wertpapierdienstleistungen. Das Unternehmen verwaltet ca 2,2 Billionen Dollar im verwalteten Vermögen.

Kategorie der Vermögensverwaltungsgebühr	Umsatzbetrag (2023)
Institutionelle Vermögensverwaltung	2,8 Milliarden US-Dollar
Gebühren für die Vermögensverwaltung	1,5 Milliarden US-Dollar

Gebühren für die Transaktionsbearbeitung

Transaktionsverarbeitung generiert 3,9 Milliarden US-Dollar Umsatz für BK im Jahr 2023.

• Clearing- und Abwicklungsgebühren: 1,6 Milliarden US-Dollar
• Gebühren für Devisentransaktionen: 1,2 Milliarden US-Dollar
• Gebühren für die Zahlungsabwicklung: 1,1 Milliarden US-Dollar

Anlageberatungsdienste

Die Anlageberatungsdienstleistungen leisteten einen Beitrag 1,7 Milliarden US-Dollar zur Einnahmequelle des Unternehmens im Jahr 2023 beitragen.

Beratungsdiensttyp	Umsatzbetrag
Unternehmensberatung	780 Millionen Dollar
Einzelhandelsinvestitionsberatung	920 Millionen Dollar

Erträge aus Wertpapierleihgeschäften

Wertpapierleihe generiert 620 Millionen Dollar Umsatz für BK im Jahr 2023.

Corporate Trust und Depositary Receipt Services

Generierung von Corporate Trust- und Depositary Receipt-Diensten 1,1 Milliarden US-Dollar Umsatz für das Jahr 2023.

Servicekategorie	Umsatzbetrag
Corporate Trust Services	680 Millionen Dollar
Dienstleistungen für Hinterlegungsscheine	420 Millionen Dollar

The Bank of New York Mellon Corporation (BK) - Canvas Business Model: Value Propositions

You're looking at the core value delivered by The Bank of New York Mellon Corporation (BK) to its institutional clients, which is built on scale, integration, and trust. This isn't just about holding assets; it's about servicing the entire investment journey.

The sheer scale of safekeeping is a primary value proposition. As of the end of the third quarter of 2025, The Bank of New York Mellon Corporation oversees a record $57.8 trillion in assets under custody and/or administration (AUC/A). This massive figure underscores the deep trust placed in the firm by global financial institutions.

The Bank of New York Mellon Corporation offers integrated solutions spanning the entire investment lifecycle for institutions. This means providing services from the front office through to settlement and record-keeping. You see this integration across their core segments:

• Fund accounting services and transfer agency.
• Securities lending and foreign exchange solutions.
• Middle-office outsourcing and data/analytics solutions.
• Liquidity services portal for institutional cash investments.

Financial strength is a non-negotiable value prop in this space, and the Q3 2025 results clearly demonstrate that. The firm reported a Return on Tangible Common Equity (ROTCE) of 25.6% for the third quarter of 2025. That's a strong return on the capital base supporting all those trillions in assets.

Access to global markets is channeled through key platforms. The Pershing platform, which supports wealth managers, saw its assets under custody or administration climb to $3 trillion in Q3 2025, adding $3 billion in net new assets that quarter. Separately, the Treasury Services function, particularly in collateral management, saw $3.1 trillion settle on the tri-party platform in Q3 2025 (excluding centrally cleared volumes).

The Bank of New York Mellon Corporation is positioning itself as an early mover in the evolving digital asset space. This is evidenced by the November 2025 launch of the BNY Dreyfus Stablecoin Reserves Fund (BSRXX), designed to help U.S. stablecoin issuers manage reserves in compliance with the new GENIUS Act. Furthermore, the firm provides fund services for over 80% of the digital asset exchange-traded products in the U.S., Canada, and EMEA, and offers fund administration and custody for over 50% of tokenized fund assets globally.

Here's a quick look at the key financial and operational metrics underpinning these value propositions as of Q3 2025:

Metric	Value (As of Q3 2025)	Context/Segment
Assets Under Custody/Administration (AUC/A)	$57.8 trillion	Firmwide Safekeeping
Return on Tangible Common Equity (ROTCE)	25.6%	Financial Strength
Pershing Assets Under Custody/Administration	$3 trillion	Market Access Platform
Net New Assets (Pershing)	$3 billion	Q3 2025 Flow
Tri-Party Platform Settlement Volume	$3.1 trillion	Treasury Services
Total Revenue	$5.081 billion	Firmwide Performance
Pre-tax Margin	36%	Financial Strength

The Market and Wealth Services segment, which houses Pershing and Treasury functions, reported total revenue of $1.77 billion in Q3 2025, marking a 14% year-over-year increase.

Finance: draft 13-week cash view by Friday.

The Bank of New York Mellon Corporation (BK) - Canvas Business Model: Customer Relationships

You're looking at how The Bank of New York Mellon Corporation keeps its massive, complex client base locked in. It's not just about holding assets; it's about the dedicated service layer wrapping around those trillions. The relationship strategy is built on scale, high-touch service for the biggest players, and a heavy push into digital efficiency for everyone else.

Dedicated relationship managers for institutional and corporate clients

The core relationship strategy centers on serving the world's largest financial entities. You can see this in their client roster; The Bank of New York Mellon Corporation partners with over 90% of the Fortune 100 companies and nearly all of the top 100 global banks. These relationships are inherently sticky because the cost and complexity of switching custodians for that scale of assets are immense. The shift to a platforms operating model is designed to support these relationship managers by streamlining global services.

The sheer scale of assets under their care underscores the depth of these relationships:

Metric	Value as of Late 2025	Context
Assets Under Custody/Administration (AUC/A)	$57.8 trillion (as of Q3 2025)	Safeguarding global assets for institutional clients.
Assets Under Management (AUM)	$2.1 trillion (as of Q3 2025)	Assets managed across Investment and Wealth Management segments.
Client Base Coverage	Over 90% of Fortune 100	Indicates deep penetration into the largest corporate segment.

High-touch, consultative sales approach via the new commercial model

The Bank of New York Mellon Corporation is actively pushing a more proactive sales posture. They've been clear that the new commercial model is driving results. Honestly, the numbers back that up; they delivered two consecutive quarters of record sales in the first half of 2025. This isn't a passive service model; it's consultative, meaning the sales teams are expected to understand deep client needs and structure complex, multi-part solutions.

This consultative approach is directly tied to their transformation efforts:

• The new commercial model is enabling greater sales momentum.
• It supports multi-product solutioning across the firm.
• Revenue growth in Market and Wealth Services was 11% year-over-year in Q1 2025.

Digital self-service portals for real-time data and reporting

To balance the high-touch service for institutional giants, The Bank of New York Mellon Corporation is heavily investing in digital tools to enhance efficiency and provide clients with immediate access to their data. They aren't just talking about it; they are embedding AI deeply into operations. The internal Eliza AI Platform is a prime example of this digital enablement, reaching 96% adoption across the firm in the first half of 2025. That's nearly every employee trained on the new tools.

The scale of their data management capabilities shows how they deliver on real-time reporting promises:

Digital/Data Metric	Value	Focus Area
Eliza AI Platform Adoption (H1 2025)	96% of employees	Internal efficiency and client service enhancement.
Data Assets Under Management	$47 trillion	Managed by the Data & Analytics business for over 800 clients.
Enterprise AI Solutions in Production (H1 2025)	66	Driving efficiency and new client capabilities.

Long-term, sticky relationships with large, complex institutions

The nature of custody and asset servicing means relationships are measured in decades, not quarters. You see this stickiness in the sheer volume of assets they are entrusted with, which grew 13% year-over-year in Q2 2025. This growth is driven by client inflows and market values, showing clients are not only staying but also entrusting them with more assets.

The client base is defined by complexity and size:

• The Bank of New York Mellon Corporation serves institutional clients, corporations, and high-net-worth individuals.
• They are a leading provider to the debt capital markets, offering trustee, paying agency, and fiduciary services.
• The London Branch acts as the EMEA regional hub, supporting international client flows.

Unified sales effort focused on cross-selling multiple products

The strategic pivot to a platforms-oriented company is meant to break down silos, which directly supports cross-selling. The goal is to offer integrated client solutions across the entire investment lifecycle-from creation to trading to holding. The success of the new commercial model is explicitly linked to this ability to sell more than one service to a single client.

This focus on integrated solutions is key to revenue stability:

• Fee revenue increased 7% in Q3 2025, reflecting net new business.
• The firm emphasizes providing integrated client solutions across the investment lifecycle.
• BNY Pershing provides execution, clearing, custody, and technology solutions to broker-dealers and wealth managers.

Finance: draft 13-week cash view by Friday.

The Bank of New York Mellon Corporation (BK) - Canvas Business Model: Channels

You're looking at how The Bank of New York Mellon Corporation connects its services to the market as of late 2025. It's a mix of high-touch direct engagement and massive digital scale.

Direct sales force to institutional investors and corporations

The Bank of New York Mellon Corporation directly reaches its largest clients through dedicated teams. This channel serves a massive base of established players in the financial ecosystem.

• Helps over 90% of Fortune 100 companies access necessary capital and services.
• Serves nearly all the top 100 banks globally.
• Works with over 90% of the top 100 pension plans to safeguard investments.

The scale of this direct channel engagement is best seen when mapping the global presence that supports it:

Geographic Metric	Data Point (Late 2025)
Countries Served	100 markets
Countries with Operational Presence	35 countries
Key Operational Regions	Americas, Europe, Middle East, Africa, and Asia Pacific

Global network of offices and subsidiaries in 35 countries

This physical and legal network underpins global service delivery across the 35 countries where The Bank of New York Mellon Corporation has an operational presence. This reach supports the custody and asset servicing franchise.

As of September 30, 2025, The Bank of New York Mellon Corporation oversaw $57.8 trillion in assets under custody and/or administration, which was up 10.9% year over year.

Pershing platform for broker-dealers and registered investment advisors (RIAs)

BNY Pershing is a key channel delivering business-to-business solutions to wealth management and institutional firms. This platform supports growth for advisors.

• Reported net new assets of $3 billion in the third quarter of 2025.
• Investment services fees within the Markets and Wealth Services segment were up 9% year-over-year in Q3 2025.

The platform's performance is tied to client activity and market values, so you watch those flows closely. If onboarding takes 14+ days, churn risk rises.

Proprietary digital platforms for custody and investment management

The Bank of New York Mellon Corporation is embedding proprietary technology, especially artificial intelligence, directly into its operations to serve custody and investment management clients more efficiently. This is a major focus area for driving future capacity.

The firm had 117 different AI solutions in production as of September 30, 2025, marking a 75% increase from the second quarter. Furthermore, employee adoption of the Eliza AI platform reached 96% in the first half of 2025. Assets under management stood at $2.1 trillion as of September 30, 2025.

Direct access to global payment and clearing systems

This channel involves the plumbing of global finance, where The Bank of New York Mellon Corporation provides direct connectivity for clients. Growth here reflects increased transaction volumes and asset safekeeping.

• Clearance and collateral management investment services fees grew 12% year-over-year in Q3 2025.
• Average collateral balances increased 14% year-over-year in Q3 2025.

Fee income, in general, remains the largest revenue source, making up 71.7% of total revenues for the first nine months of 2025.

Finance: draft 13-week cash view by Friday.

The Bank of New York Mellon Corporation (BK) - Canvas Business Model: Customer Segments

You're looking at the core client base for The Bank of New York Mellon Corporation (BK), which is almost entirely business-to-business (B2B) and institutional. Honestly, their client list is a who's who of global finance, which is why their scale is so massive.

Institutional Investors (e.g., pension funds, endowments, mutual funds)

This group forms a huge part of the custody and administration business. The Bank of New York Mellon Corporation works with a staggering number of the world's largest asset managers. As of the end of Q3 2025, The Bank of New York Mellon Corporation was responsible for $57.8 trillion in assets under custody and/or administration (AUC/A).

To give you a sense of their penetration here, The Bank of New York Mellon Corporation serves 94% of the Top 100 investment managers. Furthermore, they safeguard investments for millions through pension plans, working with over 90% of the top 100 pension plans.

Here's a look at some of the AUM managed by affiliated investment managers as of June 30, 2025:

Investment Manager Brand	Assets Under Management (USD) as of June 30, 2025
Insight Investment	$853.2 Billion
Mellon	$513.4 Billion
Dreyfus	$414.7 Billion
Newton	$104.3 Billion
Walter Scott	$78.3 Billion
ARX	$7.8 Billion

Financial Institutions (nearly all top 100 global banks)

The Bank of New York Mellon Corporation is deeply embedded with its peer institutions. They serve nearly all of the top 100 banks globally. This relationship is critical for services like clearance, collateral management, and foreign exchange.

The scale of their custody services is the clearest indicator of this segment's importance. As of June 30, 2025, their AUC/A stood at $55.8 trillion, and by September 30, 2025, it grew to $57.8 trillion. This massive figure reflects the trust placed in them by the world's largest financial entities.

Corporations (over 90% of Fortune 100 companies)

For corporate clients, The Bank of New York Mellon Corporation focuses on treasury management and corporate trust services. They count over 90% of Fortune 100 companies as clients.

The data services arm is also a key touchpoint for corporations. The Bank of New York Mellon Corporation manages $47 trillion in data assets for over 800 clients. This shows they aren't just holding assets; they're providing the critical data infrastructure these large companies need to operate.

Governments and Sovereign Wealth Funds

While specific AUM/AUC figures for this segment aren't broken out separately in the latest reports, the general client base is confirmed. The Bank of New York Mellon Corporation helps governments fund local projects. This segment relies heavily on the firm's global reach and its ability to handle complex, large-scale custody and settlement for sovereign entities.

High-Net-Worth Individuals and Family Offices (Wealth Management)

This segment is served through BNY Mellon Wealth Management. You'll see this reflected in the Assets Under Management (AUM) figures, which were $2.1 trillion as of June 30, 2025, and also as of September 30, 2025.

Drilling down into the wealth segment specifically, client assets showed positive momentum. In Q1 2025, Wealth Management client assets increased 6% year-over-year, reaching $327 billion. Family offices, in particular, are showing a strong trend toward private markets, with nearly two-thirds of those managing over $1 billion planning to increase private equity exposure over the next 12 months.

The Bank of New York Mellon Corporation's overall client reach is summarized by these key penetration statistics:

• Fortune 100 companies served: 92% (based on 2024 data).
• Top 100 global banks served: 95% (based on 2024 data).
• Total data assets managed: $47 trillion.

Finance: draft 13-week cash view by Friday.

The Bank of New York Mellon Corporation (BK) - Canvas Business Model: Cost Structure

Noninterest expense for The Bank of New York Mellon Corporation in Q3 2025 was reported at $3.2 billion.

The reported GAAP total noninterest expense for the third quarter of 2025 was $3,236 million, which represented a 4% increase year-over-year. Excluding notable items, the figure was $3,197 million.

The cost structure is heavily influenced by fixed and semi-fixed components necessary for a Global Systemically Important Bank (G-SIB).

Expense Component Detail	Amount (Millions USD)	Context/Driver
Total Noninterest Expense (GAAP Q3 2025)	3,236	Increased 4% Year-over-Year (YoY)
Total Noninterest Expense (Ex-Notables Q3 2025)	3,197
Full Year 2025 Expense Guidance (Ex-Notables)	Up ~3% YoY	Forecast
Capital Return to Shareholders (Q3 2025)	$1.2 billion	Dividends of $381 million and share repurchases of $849 million

Compensation and benefits for a global, specialized workforce is a primary driver of the expense base. Noninterest expense increased year-over-year primarily driven by higher staff expense.

Regulatory compliance and legal expenses contribute to costs, with the sequential increase in Q3 2025 noninterest expense reflecting litigation reserves.

Ongoing investment in digital transformation and AI capabilities is significant:

• The Bank of New York Mellon Corporation launched the next version of its AI platform, Eliza.
• 117 AI solutions were in production as of Q3 2025.
• The bank developed a cadre of over 100 'digital employees' (AI agents).
• 80% of its workforce was trained to use AI tools.
• 99% of the bank's employees had the initial training in how to use Eliza.
• 20,000 of the bank's 50,000 staffers have used the technology to experiment.
• An initial investment of €8 million supported the Dublin Digital R&D Hub.
• Annual ICT spending was estimated at $1.5 billion in 2023.

Fixed costs related to technology infrastructure and platforms are substantial; service entities like TSG and its subsidiary TPC own and operate a majority of the technology infrastructure.

The Bank of New York Mellon Corporation (BK) - Canvas Business Model: Revenue Streams

You're looking at the core ways The Bank of New York Mellon Corporation generates income as of late 2025, based on their Q3 2025 performance. It's a mix of traditional banking interest income and substantial fee-based services.

The revenue streams are heavily reliant on fees generated from their custody and administration services, which is where the bulk of their income originates. Total revenue for Q3 2025 hit $5.081 billion, up 9% year-over-year. Total fee revenue was $3.637 billion, marking a 7% increase from the prior year.

Fee Revenue from Securities Services, which is the largest segment

The Securities Services segment is a foundational revenue driver. Total investment services fees from this segment, along with Market and Wealth Services, saw a 10% growth year-over-year. Specifically for Securities Services, the quarterly revenue reached $2.45 billion, reflecting an 11% increase.

The scale of their operation in this area is massive:

• Assets under Custody and/or Administration (AUC/A) stood at $57.8 trillion as of September 30, 2025.
• ETF AUC/A specifically increased by 35% year-over-year.
• Alternatives AUC/A grew by 12% year-over-year.

Net Interest Income (NII), which was $1.236 billion in Q3 2025

Net Interest Income (NII) showed strong growth, driven by reinvesting maturing securities at higher yields and balance sheet expansion. For the third quarter of 2025, NII was reported at $1.236 billion, which was up 18% compared to Q3 2024. The Net Interest Margin (NIM) expanded to 1.31%.

Investment Management and Performance Fees on $2.1 trillion in AUM

The Investment and Wealth Management segment reported total revenue of $824 million, a slight decrease of 3% year-over-year. Assets Under Management (AUM) were flat year-over-year at $2.1 trillion as of September 30, 2025. This flatness resulted from $33 billion of net outflows from long-term strategies being partially offset by $34 billion of net inflows into cash products.

Investment management and performance fees specifically were down 2% year-over-year.

Foreign Exchange (FX) and trading revenue from client activity

Revenue from the foreign exchange (FX) and trading desks reflected client activity levels. For Q3 2025, foreign exchange revenue was down 5% year-over-year.

Fees from Treasury Services and Clearance and Collateral Management

These services contribute significantly to the overall fee revenue, primarily within the Market and Wealth Services segment. The segment itself reported total revenue of $1.8 billion, up 14% year-over-year. Within this, Clearance and Collateral Management investment services fees increased by 12%, supported by growth in collateral management balances and clearance volumes.

Here's a quick look at the key Q3 2025 revenue components:

Revenue Component	Q3 2025 Amount (Millions USD)	Year-over-Year Change
Total Revenue	$5,081	9% increase
Total Fee Revenue	$3,637	7% increase
Net Interest Income (NII)	$1,236	18% increase
Securities Services Revenue	$2,450	11% increase
Foreign Exchange (FX) Revenue	Not specified as absolute value	5% decrease

Finance: draft 13-week cash view by Friday.