The Bank of New York Mellon Corporation (BK): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage complexe des services financiers mondiaux, la Banque de New York Mellon Corporation apparaît comme une puissance de solutions bancaires et d'investissement innovantes. Tirée en tirant une toile de modèle commercial sophistiqué qui couvre des partenariats stratégiques, des technologies de pointe et des services financiers complets, BK s'est positionné comme un acteur pivot dans la gestion des actifs institutionnels et la banque mondiale des transactions. Cette approche dynamique permet à la société de fournir des écosystèmes financiers sophistiqués qui répondent aux besoins institutionnels complexes, transformant les paradigmes bancaires traditionnels par l'allocation stratégique des ressources et les propositions axées sur la valeur.

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: Partenariats clés

Alliances stratégiques avec les entreprises mondiales de technologie financière

La Bank of New York Mellon Corporation maintient des partenariats stratégiques avec plusieurs sociétés de technologie financière clés:

Partenaire	Focus technologique	Année de partenariat
Microsoft Azure	Infrastructure de cloud computing	2020
Salesforce	Gestion des relations avec les clients	2019
Ibm	Solutions de blockchain et d'IA	2018

Collaboration avec les fournisseurs de services de gestion des actifs et d'investissement

BK collabore avec plusieurs fournisseurs de services de gestion des actifs et d'investissement:

• BlackRock - Plateforme de gestion des investissements
• Conseils mondiaux de la rue State - services d'investissement
• Vanguard - Collaboration de gestion des actifs

Partenariats avec les entreprises de technologie de conformité et de cybersécurité réglementaire

Les partenariats clés de la technologie de la cybersécurité et de la conformité comprennent:

Partenaire	Zone technologique	Investissement annuel
Palantir Technologies	Analyse de conformité réglementaire	15,2 millions de dollars
Cowsterrike	Protection contre la cybersécurité	8,7 millions de dollars
Réseaux palo alto	Sécurité du réseau	12,5 millions de dollars

Coentreprises avec des institutions bancaires et financières internationales

Partenariats bancaires internationaux et coentreprises:

Institution partenaire	Région géographique	Type de partenariat
HSBC Holdings	Royaume-Uni / Global	Services d'investissement transfrontaliers
JPMorgan Chase	États-Unis	Services de trésorerie d'entreprise
Deutsche Bank	Allemagne	Accès au marché européen

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: Activités clés

Gestion des investissements et entretien d'actifs

Au quatrième trimestre 2023, BNY Mellon a géré 2,2 billions de dollars d'actifs sous gestion et 48,3 billions de dollars d'actifs sous garde et administration.

Catégorie de service	Actif total	Segment de marché
Gestion des actifs institutionnels	1,8 billion de dollars	Fonds de pension, gouvernements
Gestion de la richesse	400 milliards de dollars	Individus de valeur nette élevée

Services de prêts en valeurs mobilières et de trésorerie

BNY Mellon a traité 1,96 billion de dollars de transactions quotidiennes de prêt en valeurs mobilières en 2023.

• Volume mondial de prêts en valeurs mobilières: 15,3 billions de dollars par an
• Valeur de transaction des services du Trésor quotidien moyen: 2,4 billions de dollars
• Nombre de clients institutionnels: 4 500+

Opération de confiance des entreprises et de réception des dépôts

La banque a géré 22 000 relations de confiance des entreprises en 2023.

Type de réception du dépôt	Valeur totale	Nombre de programmes
Reçus de dépôt américains (ADR)	680 milliards de dollars	1 100+ programmes

Services mondiaux de banque et de règlement des transactions

BNY Mellon traité 2,3 $ quadrillion dans les transactions de paiement mondial en 2023.

• Volume de paiement transfrontalier: 780 billions de dollars
• Transactions de règlement par jour: 360 000
• Clients bancaires mondiaux: 1 800 institutions

Développement et maintenance de la plate-forme bancaire numérique

Investissement dans les infrastructures numériques: 450 millions de dollars en 2023.

Métrique de la plate-forme numérique	Performance de 2023
Volume de transaction numérique	2,6 milliards de transactions
Utilisateurs de la banque mobile	1,2 million d'utilisateurs actifs

The Bank of New York Mellon Corporation (BK) - Modèle commercial: Ressources clés

Infrastructure technologique financière mondiale approfondie

Depuis le quatrième trimestre 2023, BNY Mellon fonctionne avec:

• 48,3 billions de dollars d'actifs sous garde et administration
• 2,4 billions de dollars d'actifs sous gestion
• Infrastructure technologique couvrant 35 pays

Métriques des infrastructures technologiques	Données quantitatives
Centres de données mondiaux	12 centres primaires
Investissement technologique annuel	2,1 milliards de dollars (2023)
Budget de cybersécurité	450 millions de dollars par an

Professionnels financiers hautement qualifiés et analystes de données

Composition de la main-d'œuvre en 2024:

• Total des employés: 52 000
• Détenteurs de diplômes avancés: 68%
• Distribution mondiale de la main-d'œuvre dans 35 pays

Plateformes bancaires numériques robustes et systèmes de cybersécurité

Capacités de plate-forme numérique	Caractéristiques
Vitesse de traitement des transactions	99,99% de disponibilité
Transactions numériques quotidiennes	3,8 millions de transactions
Détection de menace de cybersécurité	Systèmes de surveillance en temps réel

Portefeuilles financiers financiers et investissements substantiels

Ressources financières au 31 décembre 2023:

• Actif total: 497,3 milliards de dollars
• Ratio de capital de niveau 1: 14,2%
• Capital réglementaire: 62,5 milliards de dollars

Réseaux complets de gestion des relations avec les clients

Métriques du réseau client	Points de données
Clients institutionnels	7 500 clients d'entreprise et institutionnels
Couverture du client mondial	Plus de 100 marchés dans le monde
Durée moyenne des relations avec le client	17,3 ans

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: propositions de valeur

Solutions avancées de gestion des actifs mondiaux

Au quatrième trimestre 2023, la Banque de New York Mellon Corporation a géré 2,2 billions de dollars dans les actifs sous gestion. La société fournit des services mondiaux de gestion des investissements dans plusieurs classes d'actifs.

Classe d'actifs	Total des actifs gérés
Équité	682 milliards de dollars
Revenu fixe	541 milliards de dollars
Multi-actifs	377 milliards de dollars

Services financiers institutionnels complets

BK fournit des services financiers institutionnels avec une portée mondiale, servant Plus de 1 800 clients institutionnels dans divers secteurs.

• Services de garde pour 43,3 billions de dollars d'actifs
• Volume de prêt en valeurs mobilières de 583 milliards de dollars
• Services mondiaux de banque de transactions dans 35 pays

Plateformes de banque numérique et d'investissement de haute sécurité

Les capacités de plate-forme numérique incluent infrastructure de cybersécurité avancée Protéger 2,5 billions de dollars de volumes de transactions numériques.

Service numérique	Volume de transaction
Paiements numériques	1,2 billion de dollars
Plateformes d'investissement en ligne	687 milliards de dollars

Stratégies de gestion de patrimoine et d'investissement sur mesure

Le segment de gestion de la patrimoine génère 1,6 milliard de dollars de revenus annuels avec des solutions d'investissement personnalisées.

• Taille moyenne du compte: 12,4 millions de dollars
• Base de clientèle à haute noue: 22 000+ clients
• Personnalisation de la stratégie d'investissement dans 47 styles d'investissement

Capacités efficaces de transaction financière transfrontalières

Services de transaction transfrontaliers traités 78,6 billions de dollars dans les transferts financiers internationaux en 2023.

Région	Volume de transaction
Amérique du Nord	42,3 billions de dollars
Europe	21,7 billions de dollars
Asie-Pacifique	14,6 billions de dollars

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: relations clients

Gestion des relations personnalisées pour les clients institutionnels

La Bank of New York Mellon Corporation dessert plus de 1 700 clients institutionnels dans 35 pays en 2023. La durée moyenne des relations avec le client dépasse 10 ans.

Segment client	Nombre de clients	Revenu annuel moyen par client
Investisseurs institutionnels	1,250	4,3 millions de dollars
Bons du Trésor des entreprises	350	2,7 millions de dollars
Entités gouvernementales	100	5,1 millions de dollars

Équipes de gestion des comptes dédiés

BK maintient plus de 750 professionnels de la gestion des comptes dédiés dans le monde, avec un portefeuille client moyen de 350 millions de dollars par gestionnaire de relations.

• Temps de réponse moyen aux demandes des clients: 2,5 heures
• Évaluation de satisfaction du client: 88%
• Ratio de gestion du client / client: 1:15

Plates-formes et outils numériques en libre-service

L'utilisation de la plate-forme numérique est passée à 72% des interactions totales du client en 2023, avec 3,2 millions d'utilisateurs numériques actifs mensuels.

Fonctionnalité de plate-forme numérique	Taux d'adoption des utilisateurs
Surveillance des transactions en ligne	91%
Reportage en temps réel	84%
Intégration API	62%

Services de rapports financiers réguliers et de conseil

BK fournit des rapports financiers trimestriels complets à 95% des clients institutionnels, avec 1 200 analystes de recherche dédiés.

• Fréquence des rapports complets: trimestriel
• Nombre de publications de recherche par an: 480
• Couverture des services consultatifs: marchés mondiaux dans 35 pays

Consultation d'investissement personnalisée

Les services de consultation d'investissement ont généré 1,2 milliard de dollars de revenus consultatifs en 2023, couvrant 4,3 billions de dollars d'actifs sous gestion.

Segment consultatif d'investissement	Total des actifs gérés	Revenus annuels
Gestion de la richesse	1,7 billion de dollars	520 millions de dollars
Avis d'investissement institutionnel	2,6 billions de dollars	680 millions de dollars

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: canaux

Plateformes bancaires numériques

Les plates-formes bancaires numériques de BNY Mellon desservent plus de 1 800 clients institutionnels dans 35 pays. La plate-forme a traité 2,1 billions de dollars de volumes de transaction quotidiens à partir de 2023.

Métriques de plate-forme numérique	2023 données
Total des utilisateurs numériques	1,845,000
Vitesse de traitement des transactions	3,2 secondes moyennes
Valeur de transaction numérique annuelle	743 milliards de dollars

Applications bancaires mobiles

Prise en charge de l'application mobile de BNY Mellon accès institutionnel au client avec des protocoles de sécurité avancés.

• Application mobile Utilisateurs actifs mensuels: 412 000
• Conformité à la cybersécurité: SOC 2 TYPE II CERTIFIÉ
• Authentification multi-facteurs activée

Équipes de vente directes

BNY Mellon maintient 487 professionnels des ventes institutionnels dédiés dans le monde.

Distribution géographique de l'équipe de vente	Nombre de professionnels
Amérique du Nord	276
Europe	112
Asie-Pacifique	99

Gestionnaires des relations avec les entreprises

BNY Mellon emploie 623 gestionnaires de relations d'entreprise sur les marchés mondiaux.

• Valeur moyenne du portefeuille des clients: 1,4 milliard de dollars
• Taux de rétention des clients: 94,6%
• Fréquence moyenne d'interaction du client: trimestriel

Portails d'investissement en ligne

Le portail d'investissement en ligne de BNY Mellon gère 2,3 billions de dollars d'actifs.

Métriques du portail d'investissement	2023 statistiques
Total des actifs sous gestion	2,3 billions de dollars
Nombre d'investisseurs institutionnels	1,342
Volume de transaction annuel	486 milliards de dollars

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: segments de clientèle

Grands investisseurs institutionnels

Au quatrième trimestre 2023, BNY Mellon dessert environ 1 800 clients d'investissement institutionnels dans le monde. L'actif total sous garde et administration a atteint 43,3 billions de dollars.

Métriques du segment	Valeur
Clients institutionnels totaux	1,800
Actifs sous garde	43,3 billions de dollars
Taille moyenne du portefeuille client	24,06 milliards de dollars

Sociétés et entités gouvernementales

BNY Mellon fournit des services financiers à 1 200 clients d'entreprise et gouvernementaux dans 35 pays.

• Services de gestion du Trésor pour plus de 500 entreprises Fortune 1000
• Solutions de gestion de trésorerie pour plus de 200 agences gouvernementales
• Services bancaires mondiaux pour les sociétés multinationales

Clients de gestion de la patrimoine

Le segment de gestion de la patrimoine gère 292 milliards de dollars d'actifs clients à partir de 2023.

Métriques de gestion de la patrimoine	Valeur
Actifs totaux du client	292 milliards de dollars
Valeur nette moyenne du client	15,6 millions de dollars
Nombre de clients à valeur nette élevée	48,000

Intermédiaires financiers

BNY Mellon dessert 3 500 clients intermédiaires financiers dans le monde, y compris les banques, les compagnies d'assurance et les fonds de pension.

• Services de garde pour 1 200 banques
• Administration des investissements pour 850 compagnies d'assurance
• Gestion des fonds de retraite pour 1 450 fonds de retraite

Sociétés mondiales de gestion des investissements

Le segment de la gestion des investissements gère 2,2 billions de dollars d'actifs sous gestion en 2023.

Métriques de la gestion des investissements	Valeur
Total des actifs sous gestion	2,2 billions de dollars
Nombre de clients de gestion des investissements	750
Portefeuille d'investissement client moyen	2,93 milliards de dollars

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: Structure des coûts

Investissements infrastructures technologiques

En 2023, la Bank of New York Mellon Corporation a dépensé 1,8 milliard de dollars pour les investissements technologiques et d'infrastructures numériques. La répartition des coûts technologiques comprend:

Catégorie de technologie	Montant d'investissement ($ m)
Cloud computing	532
Systèmes de cybersécurité	415
Plateformes bancaires numériques	385
Infrastructure d'analyse de données	268

Compensation et formation des employés

Les dépenses totales liées aux employés pour 2023 étaient de 4,2 milliards de dollars, avec l'allocation suivante:

• Salaires de base: 2,7 milliards de dollars
• Bonus de performance: 892 millions de dollars
• Formation et développement des employés: 215 millions de dollars
• Santé et avantages sociaux: 392 millions de dollars

Frais de conformité réglementaire

Les coûts de conformité réglementaire pour 2023 ont totalisé 675 millions de dollars, distribué à travers:

Zone de conformité	Dépenses ($ m)
Anti-blanchiment	218
Gestion des risques	192
Rapports et audit	165
Technologie de réglementation	100

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing en 2023 étaient de 312 millions de dollars, avec la ventilation suivante:

• Marketing numérique: 124 millions de dollars
• Commandites d'événements d'entreprise: 58 millions de dollars
• Publicité traditionnelle: 86 millions de dollars
• Marketing sur la relation client: 44 millions de dollars

Investissements de recherche et développement

Les investissements en R&D pour 2023 s'élevaient à 456 millions de dollars, axés sur:

Zone de focus R&D	Investissement ($ m)
Intelligence artificielle	187
Blockchain Technologies	112
Innovation de produits financiers	95
Recherche informatique quantique	62

The Bank of New York Mellon Corporation (BK) - Modèle d'entreprise: Strots de revenus

Frais de gestion des actifs

Pour l'exercice 2023, la Banque de New York Mellon Corporation a rapporté 4,3 milliards de dollars dans les frais de services d'investissement. La société gère approximativement 2,2 billions de dollars dans les actifs sous gestion.

Catégorie de frais de gestion des actifs	Montant des revenus (2023)
Gestion des actifs institutionnels	2,8 milliards de dollars
Frais de gestion de la patrimoine	1,5 milliard de dollars

Frais de traitement des transactions

Traitement des transactions généré 3,9 milliards de dollars en revenus pour BK en 2023.

• Frais de compensation et de règlement: 1,6 milliard de dollars
• Frais de transaction de change: 1,2 milliard de dollars
• Frais de traitement des paiements: 1,1 milliard de dollars

Services de conseil en investissement

Les services de conseil en investissement ont contribué 1,7 milliard de dollars à la source de revenus de l'entreprise en 2023.

Type de service consultatif	Montant des revenus
Avis d'entreprise	780 millions de dollars
Conseil d'investissement au détail	920 millions de dollars

Revenu de prêt de valeurs mobilières

Prêts en valeurs mobilières générés 620 millions de dollars en revenus pour BK en 2023.

Services de fiducie d'entreprise et de réception des dépôts

Services de fiducie d'entreprise et de réception de dépôt générés 1,1 milliard de dollars en revenus pour l'année 2023.

Catégorie de service	Montant des revenus
Services de confiance d'entreprise	680 millions de dollars
Services de réception des dépôts	420 millions de dollars

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.