El Banco de Nueva York Mellon Corporation (BK): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el intrincado panorama de los servicios financieros globales, el Banco de Nueva York Mellon Corporation emerge como una potencia de soluciones innovadoras de banca e inversión. Aprovechando un sofisticado lienzo de modelo de negocio que abarca asociaciones estratégicas, tecnología de vanguardia y servicios financieros integrales, BK se ha posicionado como un jugador fundamental en la gestión de activos institucionales y la banca de transacciones globales. Este enfoque dinámico permite a la corporación ofrecer ecosistemas financieros sofisticados que satisfacen las complejas necesidades institucionales, transformando paradigmas bancarios tradicionales a través de la asignación estratégica de recursos y propuestas de valor.

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con empresas de tecnología financiera global

El Bank of New York Mellon Corporation mantiene asociaciones estratégicas con varias empresas clave de tecnología financiera:

Pareja	Enfoque tecnológico	Año de asociación
Microsoft Azure	Infraestructura de computación en la nube	2020
Salesforce	Gestión de la relación con el cliente	2019
IBM	Soluciones blockchain y ai	2018

Colaboración con proveedores de servicios de gestión de activos y inversiones

BK colabora con múltiples proveedores de servicios de gestión de activos y inversiones:

• BlackRock - Plataforma de gestión de inversiones
• State Street Global Advisors - Servicios de inversión
• Vanguard - Colaboración de gestión de activos

Asociaciones con empresas de tecnología de ciberseguridad y cumplimiento regulatorio

Las asociaciones clave de ciberseguridad y tecnología de cumplimiento incluyen:

Pareja	Área tecnológica	Inversión anual
Tecnologías Palantir	Análisis de cumplimiento regulatorio	$ 15.2 millones
Crowdstrike	Protección contra ciberseguridad	$ 8.7 millones
Palo Alto Networks	Seguridad de la red	$ 12.5 millones

Empresas conjuntas con instituciones financieras y bancarias internacionales

Asociaciones bancarias internacionales y empresas conjuntas:

Institución asociada	Región geográfica	Tipo de asociación
HSBC Holdings	Reino Unido/Global	Servicios de inversión transfronterizos
JPMorgan Chase	Estados Unidos	Servicios del Tesoro corporativo
Banco Deutsche	Alemania	Acceso al mercado europeo

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: actividades clave

Gestión de inversiones y servicio de activos

A partir del cuarto trimestre de 2023, BNY Mellon logró $ 2.2 billones en activos bajo administración y $ 48.3 billones en activos bajo custodia y administración.

Categoría de servicio	Activos totales	Segmento de mercado
Gestión de activos institucionales	$ 1.8 billones	Fondos de pensiones, gobiernos
Gestión de patrimonio	$ 400 mil millones	Individuos de alto patrimonio

Servicios de préstamos de valores y tesorería

BNY Mellon procesó $ 1.96 billones en transacciones de préstamos de valores diarios en 2023.

• Volumen de préstamos de valores globales: $ 15.3 billones anuales
• Valor de transacción de servicios de tesorería diario promedio: $ 2.4 billones
• Número de clientes institucionales: más de 4,500

Operaciones de recibo de confianza y fideicomiso de depósitos

El banco administrado 22,000 relaciones de confianza corporativa en 2023.

Tipo de recibo depositario	Valor total	Número de programas
Recibos depositarios estadounidenses (ADR)	$ 680 mil millones	1,100+ programas

Servicios de banca y liquidación de transacciones globales

BNY Mellon procesado $ 2.3 Cuadrillones en transacciones de pago globales durante 2023.

• Volumen de pago transfronterizo: $ 780 billones
• Transacciones de liquidación por día: 360,000
• Clientes de banca de transacciones globales: 1.800 instituciones

Desarrollo y mantenimiento de la plataforma de banca digital

Inversión en infraestructura digital: $ 450 millones en 2023.

Métrica de plataforma digital	2023 rendimiento
Volumen de transacción digital	2.600 millones de transacciones
Usuarios de banca móvil	1.2 millones de usuarios activos

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: recursos clave

Infraestructura extensa de tecnología financiera global

A partir del cuarto trimestre de 2023, Bny Mellon opera con:

• $ 48.3 billones en activos bajo custodia y administración
• $ 2.4 billones en activos bajo administración
• Infraestructura tecnológica que abarca 35 países

Métricas de infraestructura tecnológica	Datos cuantitativos
Centros de datos globales	12 centros primarios
Inversión tecnológica anual	$ 2.1 mil millones (2023)
Presupuesto de ciberseguridad	$ 450 millones anuales

Profesionales financieros y analistas de datos altamente calificados

Composición de la fuerza laboral a partir de 2024:

• Total de empleados: 52,000
• Titulares de grado avanzado: 68%
• Distribución global de la fuerza laboral en 35 países

Plataformas de banca digital robustas y sistemas de ciberseguridad

Capacidades de la plataforma digital	Presupuesto
Velocidad de procesamiento de transacciones	99.99% de tiempo de actividad
Transacciones digitales diarias	3.8 millones de transacciones
Detección de amenazas de ciberseguridad	Sistemas de monitoreo en tiempo real

Capital financiero y carteras de inversión sustanciales

Recursos financieros al 31 de diciembre de 2023:

• Activos totales: $ 497.3 mil millones
• Relación de capital de nivel 1: 14.2%
• Capital regulatorio: $ 62.5 mil millones

Redes integrales de gestión de relaciones con clientes

Métricas de red de clientes	Puntos de datos
Clientes institucionales	7.500 clientes corporativos e institucionales
Cobertura del cliente global	Más de 100 mercados en todo el mundo
Duración promedio de la relación con el cliente	17.3 años

The Bank of New York Mellon Corporation (BK) - Modelo de negocio: propuestas de valor

Soluciones avanzadas de gestión de activos globales

A partir del cuarto trimestre de 2023, el Banco de Nueva York Mellon Corporation gestionó $ 2.2 billones en activos bajo administración. La compañía ofrece servicios globales de gestión de inversiones en múltiples clases de activos.

Clase de activo	Activos totales gestionados
Equidad	$ 682 mil millones
Ingreso fijo	$ 541 mil millones
Múltiple	$ 377 mil millones

Servicios financieros institucionales integrales

BK proporciona a los servicios financieros institucionales un alcance global, sirviendo 1,800+ clientes institucionales en varios sectores.

• Servicios de custodia por $ 43.3 billones en activos
• Volumen de préstamos de valores de $ 583 mil millones
• Servicios de banca de transacciones globales en 35 países

Plataformas de banca digital e inversión de alta seguridad

Las capacidades de la plataforma digital incluyen Infraestructura avanzada de ciberseguridad Protección de $ 2.5 billones en volúmenes de transacciones digitales.

Servicio digital	Volumen de transacción
Pagos digitales	$ 1.2 billones
Plataformas de inversión en línea	$ 687 mil millones

Estrategias de gestión de patrimonio e inversión a medida

Genera el segmento de gestión de patrimonio $ 1.6 mil millones en ingresos anuales con soluciones de inversión personalizadas.

• Tamaño promedio de la cuenta: $ 12.4 millones
• Base de clientes de alto nivel de red: más de 22,000 clientes
• Personalización de la estrategia de inversión en 47 estilos de inversión

Capacidades de transacción financiera transfronteriza eficientes

Servicios de transacción transfronterizos procesados $ 78.6 billones En transferencias financieras internacionales durante 2023.

Región	Volumen de transacción
América del norte	$ 42.3 billones
Europa	$ 21.7 billones
Asia-Pacífico	$ 14.6 billones

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personalizadas para clientes institucionales

El Banco de Nueva York Mellon Corporation atiende a más de 1.700 clientes institucionales en 35 países a partir de 2023. La duración promedio de la relación con el cliente supera los 10 años.

Segmento de clientes	Número de clientes	Ingresos anuales promedio por cliente
Inversores institucionales	1,250	$ 4.3 millones
Tesoros corporativos	350	$ 2.7 millones
Entidades gubernamentales	100	$ 5.1 millones

Equipos de gestión de cuentas dedicados

BK mantiene más de 750 profesionales de administración de cuentas dedicados a nivel mundial, con un tamaño promedio de cartera de clientes de $ 350 millones por gerente de relaciones.

• Tiempo de respuesta promedio a las consultas del cliente: 2.5 horas
• Clasificación de satisfacción del cliente: 88%
• Relación gerente de relación a cliente: 1:15

Plataformas y herramientas de autoservicio digital

El uso de la plataforma digital aumentó al 72% de las interacciones totales del cliente en 2023, con 3.2 millones de usuarios digitales activos mensuales.

Función de plataforma digital	Tasa de adopción de usuarios
Monitoreo de transacciones en línea	91%
Informes en tiempo real	84%
Integración de API	62%

Servicios regulares de informes financieros y asesoramiento

BK proporciona informes financieros integrales trimestrales al 95% de los clientes institucionales, con 1.200 analistas de investigación dedicados.

• Frecuencia de informes integrales: trimestralmente
• Número de publicaciones de investigación anualmente: 480
• Cobertura de servicio de asesoramiento: mercados globales en 35 países

Consulta de inversión personalizada

Los servicios de consulta de inversiones generaron $ 1.2 mil millones en ingresos de asesoramiento en 2023, que cubren $ 4.3 billones en activos bajo administración.

Segmento de asesoramiento de inversiones	Activos totales gestionados	Ingresos anuales
Gestión de patrimonio	$ 1.7 billones	$ 520 millones
Aviso de inversión institucional	$ 2.6 billones	$ 680 millones

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: canales

Plataformas de banca digital

Las plataformas de banca digital de BNY Mellon sirven a más de 1.800 clientes institucionales en 35 países. La plataforma procesó $ 2.1 billones en volúmenes de transacciones diarias a partir de 2023.

Métricas de plataforma digital	2023 datos
Usuarios digitales totales	1,845,000
Velocidad de procesamiento de transacciones	Promedio de 3.2 segundos
Valor de transacción digital anual	$ 743 mil millones

Aplicaciones de banca móvil

La aplicación móvil de Bny Mellon es compatible con Acceso institucional al cliente con protocolos de seguridad avanzados.

• Aplicación móvil Usuarios activos mensuales: 412,000
• Cumplimiento de ciberseguridad: SOC 2 Tipo II certificado
• Autenticación multifactor habilitada

Equipos de ventas directos

BNY Mellon mantiene 487 profesionales de ventas institucionales dedicados a nivel mundial.

Distribución geográfica del equipo de ventas	Número de profesionales
América del norte	276
Europa	112
Asia-Pacífico	99

Gerentes de relaciones corporativas

BNY Mellon emplea a 623 gerentes de relaciones corporativas en los mercados globales.

• Valor promedio de la cartera del cliente: $ 1.4 mil millones
• Tasa de retención del cliente: 94.6%
• Frecuencia promedio de interacción del cliente: trimestralmente

Portales de inversión en línea

El portal de inversión en línea de Bny Mellon administra $ 2.3 billones en activos.

Métricas del portal de inversión	2023 estadísticas
Activos totales bajo administración	$ 2.3 billones
Número de inversores institucionales	1,342
Volumen de transacción anual	$ 486 mil millones

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: segmentos de clientes

Grandes inversores institucionales

A partir del cuarto trimestre de 2023, BNY Mellon atiende a aproximadamente 1,800 clientes de inversión institucional a nivel mundial. Los activos totales bajo custodia y administración alcanzaron los $ 43.3 billones.

Métricas de segmento	Valor
Total de clientes institucionales	1,800
Activos bajo custodia	$ 43.3 billones
Tamaño promedio de la cartera de clientes	$ 24.06 mil millones

Corporaciones y entidades gubernamentales

BNY Mellon brinda servicios financieros a 1.200 clientes corporativos y gubernamentales en 35 países.

• Servicios de gestión del tesoro para más de 500 compañías Fortune 1000
• Soluciones de gestión de efectivo para más de 200 agencias gubernamentales
• Servicios de banca de transacciones globales para corporaciones multinacionales

Clientes de gestión de patrimonio

El segmento de gestión de patrimonio administra $ 292 mil millones en activos del cliente a partir de 2023.

Métricas de gestión de patrimonio	Valor
Activos totales del cliente	$ 292 mil millones
Patrimonio neto de cliente promedio	$ 15.6 millones
Número de clientes de alto patrimonio neto	48,000

Intermediarios financieros

BNY Mellon atiende a 3.500 clientes intermedios financieros a nivel mundial, incluidos bancos, compañías de seguros y fondos de pensiones.

• Servicios de custodia para 1.200 bancos
• Administración de inversiones para 850 compañías de seguros
• Gestión de fondos de jubilación para 1.450 fondos de pensiones

Empresas de gestión de inversiones globales

El segmento de gestión de inversiones maneja $ 2.2 billones en activos bajo administración en 2023.

Métricas de gestión de inversiones	Valor
Activos totales bajo administración	$ 2.2 billones
Número de clientes de gestión de inversiones	750
Cartera promedio de inversión de clientes	$ 2.93 mil millones

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: Estructura de costos

Inversiones de infraestructura tecnológica

En 2023, el Banco de Nueva York Mellon Corporation gastó $ 1.8 mil millones en tecnología e inversiones de infraestructura digital. El desglose de los costos de la tecnología incluye:

Categoría de tecnología	Monto de inversión ($ M)
Computación en la nube	532
Sistemas de ciberseguridad	415
Plataformas de banca digital	385
Infraestructura de análisis de datos	268

Compensación y capacitación de empleados

Los gastos totales relacionados con los empleados para 2023 fueron de $ 4.2 mil millones, con la siguiente asignación:

• Salarios base: $ 2.7 mil millones
• Bonos de rendimiento: $ 892 millones
• Capacitación y desarrollo de empleados: $ 215 millones
• Atención médica y beneficios: $ 392 millones

Gastos de cumplimiento regulatorio

Los costos de cumplimiento regulatorio para 2023 totalizaron $ 675 millones, distribuidos en todo:

Área de cumplimiento	Gasto ($ M)
Anti-lavado de dinero	218
Gestión de riesgos	192
Informes y auditorías	165
Tecnología reguladora	100

Costos de marketing y adquisición de clientes

El gasto de marketing en 2023 fue de $ 312 millones, con el siguiente desglose:

• Marketing digital: $ 124 millones
• Patrocinios de eventos corporativos: $ 58 millones
• Publicidad tradicional: $ 86 millones
• Marketing en relación con el cliente: $ 44 millones

Inversiones de investigación y desarrollo

Las inversiones de I + D para 2023 ascendieron a $ 456 millones, centradas en:

Área de enfoque de I + D	Inversión ($ m)
Inteligencia artificial	187
Tecnologías blockchain	112
Innovación de productos financieros	95
Investigación de computación cuántica	62

The Bank of New York Mellon Corporation (BK) - Modelo de negocios: flujos de ingresos

Tarifas de gestión de activos

Para el año fiscal 2023, informó el Bank of New York Mellon Corporation $ 4.3 mil millones en tarifas de servicios de inversión. La compañía administra aproximadamente $ 2.2 billones en activos bajo administración.

Categoría de tarifas de gestión de activos	Monto de ingresos (2023)
Gestión de activos institucionales	$ 2.8 mil millones
Tarifas de gestión de patrimonio	$ 1.5 mil millones

Tarifas de procesamiento de transacciones

Procesamiento de transacciones generado $ 3.9 mil millones en ingresos para BK en 2023.

• Tarifas de compensación y liquidación: $ 1.6 mil millones
• Tarifas de transacción de divisas: $ 1.2 mil millones
• Tarifas de procesamiento de pagos: $ 1.1 mil millones

Servicios de asesoramiento de inversiones

Servicios de asesoramiento de inversiones contribuidos $ 1.7 mil millones al flujo de ingresos de la compañía en 2023.

Tipo de servicio de asesoramiento	Monto de ingresos
Asesoramiento corporativo	$ 780 millones
Aviso de inversión minorista	$ 920 millones

Ingresos de préstamos de valores

Préstamos de valores generados $ 620 millones en ingresos para BK en 2023.

Servicios de fideicomiso y recepción de depósitos

Corporate Trust y Depositary Recibir Services generados $ 1.1 mil millones en ingresos para el año 2023.

Categoría de servicio	Monto de ingresos
Servicios de confianza corporativa	$ 680 millones
Servicios de recepción de depósitos	$ 420 millones

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.