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The Bank of New York Mellon Corporation (BK): Modelo de Negócios Canvas [Jan-2025 Atualizado] |
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The Bank of New York Mellon Corporation (BK) Bundle
No cenário intrincado dos Serviços Financeiros Globais, o Bank of New York Mellon Corporation surge como uma potência de soluções inovadoras de bancos e investimentos. Aproveitando uma tela sofisticada modelo de negócios que abrange parcerias estratégicas, tecnologia de ponta e serviços financeiros abrangentes, a BK se posicionou como um participante fundamental em gerenciamento institucional de ativos e bancos de transações globais. Essa abordagem dinâmica permite que a corporação forneça ecossistemas financeiros sofisticados que atendam a necessidades institucionais complexas, transformando os paradigmas bancários tradicionais por meio de alocação estratégica de recursos e proposições orientadas por valor.
The Bank of New York Mellon Corporation (BK) - Modelo de negócios: Parcerias -chave
Alianças estratégicas com empresas globais de tecnologia financeira
O Bank of New York Mellon Corporation mantém parcerias estratégicas com várias empresas importantes de tecnologia financeira:
| Parceiro | Foco em tecnologia | Ano de parceria |
|---|---|---|
| Microsoft Azure | Infraestrutura de computação em nuvem | 2020 |
| Salesforce | Gerenciamento de relacionamento com o cliente | 2019 |
| IBM | Soluções Blockchain e AI | 2018 |
Colaboração com provedores de gerenciamento de ativos e serviços de investimento
A BK colabora com vários provedores de gerenciamento de ativos e serviços de investimento:
- BlackRock - Plataforma de Gerenciamento de Investimentos
- Advisores Globais da State Street - Serviços de Investimento
- Vanguard - Colaboração de gerenciamento de ativos
Parcerias com empresas regulatórias de conformidade e segurança cibernética
As parcerias importantes em tecnologia de segurança cibernética e conformidade incluem:
| Parceiro | Área de tecnologia | Investimento anual |
|---|---|---|
| Tecnologias Palantir | Análise de conformidade regulatória | US $ 15,2 milhões |
| Crowdstrike | Proteção de segurança cibernética | US $ 8,7 milhões |
| Redes Palo Alto | Segurança de rede | US $ 12,5 milhões |
Joint ventures com instituições bancárias e financeiras internacionais
Parcerias bancárias internacionais e joint ventures:
| Instituição parceira | Região geográfica | Tipo de parceria |
|---|---|---|
| HSBC Holdings | Reino Unido/Global | Serviços de investimento transfronteiriço |
| JPMorgan Chase | Estados Unidos | Serviços do Tesouro Corporativo |
| Deutsche Bank | Alemanha | Acesso ao mercado europeu |
The Bank of New York Mellon Corporation (BK) - Modelo de negócios: Atividades -chave
Gerenciamento de investimentos e manutenção de ativos
A partir do quarto trimestre de 2023, a BNY Mellon conseguiu US $ 2,2 trilhões em ativos sob gestão e US $ 48,3 trilhões em ativos sob custódia e administração.
| Categoria de serviço | Total de ativos | Segmento de mercado |
|---|---|---|
| Gerenciamento institucional de ativos | US $ 1,8 trilhão | Fundos de pensão, governos |
| Gestão de patrimônio | US $ 400 bilhões | Indivíduos de alto patrimônio líquido |
Serviços de empréstimos e tesouraria de valores mobiliários
A BNY Mellon processou US $ 1,96 trilhão em transações diárias de empréstimos de valores mobiliários em 2023.
- Volume global de empréstimos de valores mobiliários: US $ 15,3 trilhões anualmente
- Valor médio de transações diárias de serviços de tesouro: US $ 2,4 trilhões
- Número de clientes institucionais: 4.500+
Operações de confiança corporativa e recibo de depósito
O banco gerenciado 22.000 relacionamentos de confiança corporativa em 2023.
| Tipo de recibo de depósito | Valor total | Número de programas |
|---|---|---|
| Receitos de depósito americanos (ADRs) | US $ 680 bilhões | 1.100 mais de programas |
Serviços de bancos e liquidação de transações globais
BNY Mellon processou US $ 2,3 Quadrilhões em transações de pagamento globais durante 2023.
- Volume de pagamento transfronteiriço: US $ 780 trilhões
- Transações de liquidação por dia: 360.000
- Clientes do Bancos de Transações Globais: 1.800 instituições
Desenvolvimento e manutenção da plataforma bancária digital
Investimento em infraestrutura digital: US $ 450 milhões em 2023.
| Métrica da plataforma digital | 2023 desempenho |
|---|---|
| Volume de transação digital | 2,6 bilhões de transações |
| Usuários bancários móveis | 1,2 milhão de usuários ativos |
The Bank of New York Mellon Corporation (BK) - Modelo de negócios: Recursos -chave
Extensa infraestrutura de tecnologia financeira global
A partir do quarto trimestre 2023, o BNY Mellon opera com:
- US $ 48,3 trilhões em ativos sob custódia e administração
- US $ 2,4 trilhões em ativos sob administração
- Infraestrutura de tecnologia que abrange 35 países
| Métricas de infraestrutura de tecnologia | Dados quantitativos |
|---|---|
| Data Centers globais | 12 centros primários |
| Investimento de tecnologia anual | US $ 2,1 bilhões (2023) |
| Orçamento de segurança cibernética | US $ 450 milhões anualmente |
Profissionais financeiros altamente qualificados e analistas de dados
Composição da força de trabalho a partir de 2024:
- Total de funcionários: 52.000
- Titulares de graduação avançada: 68%
- Distribuição global da força de trabalho em 35 países
Plataformas bancárias digitais robustas e sistemas de segurança cibernética
| Recursos de plataforma digital | Especificações |
|---|---|
| Velocidade de processamento da transação | 99,99% de tempo de atividade |
| Transações digitais diárias | 3,8 milhões de transações |
| Detecção de ameaças de segurança cibernética | Sistemas de monitoramento em tempo real |
Capital financeiro e portfólios de investimento substanciais
Recursos financeiros em 31 de dezembro de 2023:
- Total de ativos: US $ 497,3 bilhões
- Tier 1 Capital Ratio: 14,2%
- Capital regulatório: US $ 62,5 bilhões
Redes abrangentes de gerenciamento de relacionamento com clientes
| Métricas de rede de clientes | Pontos de dados |
|---|---|
| Clientes institucionais | 7.500 clientes corporativos e institucionais |
| Cobertura global do cliente | Mais de 100 mercados em todo o mundo |
| Duração média do relacionamento do cliente | 17,3 anos |
O Banco de Nova York Mellon Corporation (BK) - Modelo de Negócios: Proposições de Valor
Soluções avançadas de gerenciamento de ativos globais
A partir do quarto trimestre 2023, o Banco de Nova York Mellon Corporation administrou US $ 2,2 trilhões em ativos sob gestão. A empresa fornece serviços globais de gerenciamento de investimentos em várias classes de ativos.
| Classe de ativos | Total de ativos gerenciados |
|---|---|
| Equidade | US $ 682 bilhões |
| Renda fixa | US $ 541 bilhões |
| Multi-ativo | US $ 377 bilhões |
Serviços financeiros institucionais abrangentes
A BK fornece serviços financeiros institucionais com alcance global, servindo 1.800+ clientes institucionais em vários setores.
- Serviços de custódia por US $ 43,3 trilhões em ativos
- Volume de empréstimos de valores mobiliários de US $ 583 bilhões
- Serviços bancários de transações globais em 35 países
Plataformas bancárias e de investimento digital de alta segurança
Recursos de plataforma digital incluem Infraestrutura avançada de segurança cibernética Protegendo US $ 2,5 trilhões em volumes de transações digitais.
| Serviço digital | Volume de transação |
|---|---|
| Pagamentos digitais | US $ 1,2 trilhão |
| Plataformas de investimento on -line | US $ 687 bilhões |
Estratégias de gestão e investimento personalizadas
O segmento de gerenciamento de patrimônio gera US $ 1,6 bilhão em receita anual com soluções de investimento personalizadas.
- Tamanho médio da conta: US $ 12,4 milhões
- Base de clientes de alta rede: mais de 22.000 clientes
- Personalização da estratégia de investimento em 47 estilos de investimento
Recursos de transação financeira transfronteiriços eficientes
Serviços de transação transfronteiriços processados US $ 78,6 trilhões em transferências financeiras internacionais durante 2023.
| Região | Volume de transação |
|---|---|
| América do Norte | US $ 42,3 trilhões |
| Europa | US $ 21,7 trilhões |
| Ásia-Pacífico | US $ 14,6 trilhões |
O Banco da Nova York Mellon Corporation (BK) - Modelo de Negócios: Relacionamentos do Cliente
Gerenciamento de relacionamento personalizado para clientes institucionais
O Banco da Nova York Mellon Corporation atende a 1.700 mais clientes institucionais em 35 países a partir de 2023. A duração média do relacionamento com o cliente excede 10 anos.
| Segmento de cliente | Número de clientes | Receita média anual por cliente |
|---|---|---|
| Investidores institucionais | 1,250 | US $ 4,3 milhões |
| Tesouro corporativo | 350 | US $ 2,7 milhões |
| Entidades governamentais | 100 | US $ 5,1 milhões |
Equipes de gerenciamento de contas dedicadas
A BK mantém mais de 750 profissionais de gerenciamento de contas dedicados em todo o mundo, com um tamanho médio de portfólio de clientes de US $ 350 milhões por gerente de relacionamento.
- Tempo médio de resposta às consultas do cliente: 2,5 horas
- Classificação de satisfação do cliente: 88%
- Gerente de relacionamento para o cliente: 1:15
Plataformas e ferramentas de autoatendimento digital
O uso da plataforma digital aumentou para 72% do total de interações com os clientes em 2023, com 3,2 milhões de usuários digitais ativos mensais.
| Recurso da plataforma digital | Taxa de adoção do usuário |
|---|---|
| Monitoramento de transações on -line | 91% |
| Relatórios em tempo real | 84% |
| Integração da API | 62% |
Relatórios financeiros regulares e serviços de consultoria
A BK fornece relatórios financeiros abrangentes trimestrais para 95% dos clientes institucionais, com 1.200 analistas de pesquisa dedicados.
- Frequência de relatórios abrangentes: trimestral
- Número de publicações de pesquisa anualmente: 480
- Cobertura de serviço de consultoria: mercados globais em 35 países
Consulta de investimento personalizado
Os serviços de consulta de investimento geraram US $ 1,2 bilhão em receita consultiva em 2023, cobrindo US $ 4,3 trilhões em ativos sob gestão.
| Segmento de consultoria de investimento | Total de ativos gerenciados | Receita anual |
|---|---|---|
| Gestão de patrimônio | US $ 1,7 trilhão | US $ 520 milhões |
| Aviso de investimento institucional | US $ 2,6 trilhões | US $ 680 milhões |
The Bank of New York Mellon Corporation (BK) - Modelo de Negócios: Canais
Plataformas bancárias digitais
As plataformas bancárias digitais da BNY Mellon atendem mais de 1.800 clientes institucionais em 35 países. A plataforma processou US $ 2,1 trilhões em volumes diários de transações a partir de 2023.
| Métricas de plataforma digital | 2023 dados |
|---|---|
| Total de usuários digitais | 1,845,000 |
| Velocidade de processamento da transação | 3,2 segundos em média |
| Valor anual da transação digital | US $ 743 bilhões |
Aplicativos bancários móveis
Suportes para aplicativos móveis da BNY Mellon Acesso institucional do cliente com protocolos de segurança avançados.
- Usuários ativos mensais do aplicativo móvel: 412.000
- Conformidade de segurança cibernética: SOC 2 Tipo II certificado
- Autenticação multi-fator ativada
Equipes de vendas diretas
A BNY Mellon mantém 487 profissionais de vendas institucionais dedicadas em todo o mundo.
| Distribuição geográfica da equipe de vendas | Número de profissionais |
|---|---|
| América do Norte | 276 |
| Europa | 112 |
| Ásia-Pacífico | 99 |
Gerentes de relacionamento corporativo
A BNY Mellon emprega 623 gerentes de relacionamento corporativo em mercados globais.
- Valor médio do portfólio de clientes: US $ 1,4 bilhão
- Taxa de retenção de clientes: 94,6%
- Frequência média de interação do cliente: trimestral
Portais de investimento on -line
O portal de investimentos on -line da BNY Mellon gerencia US $ 2,3 trilhões em ativos.
| Métricas do portal de investimentos | 2023 Estatísticas |
|---|---|
| Total de ativos sob gestão | US $ 2,3 trilhões |
| Número de investidores institucionais | 1,342 |
| Volume anual de transações | US $ 486 bilhões |
The Bank of New York Mellon Corporation (BK) - Modelo de negócios: segmentos de clientes
Grandes investidores institucionais
A partir do quarto trimestre de 2023, o BNY Mellon atende a aproximadamente 1.800 clientes de investimento institucional em todo o mundo. O total de ativos sob custódia e administração atingiu US $ 43,3 trilhões.
| Métricas de segmento | Valor |
|---|---|
| Total de clientes institucionais | 1,800 |
| Ativos sob custódia | US $ 43,3 trilhões |
| Tamanho médio do portfólio de clientes | US $ 24,06 bilhões |
Corporações e entidades governamentais
A BNY Mellon fornece serviços financeiros a 1.200 clientes corporativos e governamentais em 35 países.
- Serviços de Gerenciamento do Tesouro para mais de 500 empresas da Fortune 1000
- Soluções de gerenciamento de caixa para mais de 200 agências governamentais
- Serviços bancários de transações globais para empresas multinacionais
Clientes de gerenciamento de patrimônio
O segmento de gerenciamento de patrimônio gerencia US $ 292 bilhões em ativos de clientes a partir de 2023.
| Métricas de gerenciamento de patrimônio | Valor |
|---|---|
| Total de ativos do cliente | US $ 292 bilhões |
| Patrimônio líquido médio do cliente | US $ 15,6 milhões |
| Número de clientes de alto patrimônio líquido | 48,000 |
Intermediários financeiros
A BNY Mellon atende a 3.500 clientes intermediários financeiros em todo o mundo, incluindo bancos, companhias de seguros e fundos de pensão.
- Serviços de custódia para 1.200 bancos
- Administração de investimentos para 850 companhias de seguros
- Gerenciamento de fundos de aposentadoria para 1.450 fundos de pensão
Empresas globais de gerenciamento de investimentos
O segmento de gerenciamento de investimentos lida com US $ 2,2 trilhões em ativos sob gestão em 2023.
| Métricas de gerenciamento de investimentos | Valor |
|---|---|
| Total de ativos sob gestão | US $ 2,2 trilhões |
| Número de clientes de gerenciamento de investimentos | 750 |
| Portfólio de investimento médio do cliente | US $ 2,93 bilhões |
O Banco da Nova York Mellon Corporation (BK) - Modelo de Negócios: Estrutura de Custos
Investimentos de infraestrutura de tecnologia
Em 2023, o Bank of New York Mellon Corporation gastou US $ 1,8 bilhão em investimentos em tecnologia e infraestrutura digital. A quebra de custo da tecnologia inclui:
| Categoria de tecnologia | Valor do investimento ($ M) |
|---|---|
| Computação em nuvem | 532 |
| Sistemas de segurança cibernética | 415 |
| Plataformas bancárias digitais | 385 |
| Infraestrutura de análise de dados | 268 |
Compensação e treinamento de funcionários
As despesas totais relacionadas aos funcionários em 2023 foram de US $ 4,2 bilhões, com a seguinte alocação:
- Salários base: US $ 2,7 bilhões
- Bônus de desempenho: US $ 892 milhões
- Treinamento e desenvolvimento de funcionários: US $ 215 milhões
- Saúde e benefícios: US $ 392 milhões
Despesas de conformidade regulatória
Os custos de conformidade regulatórios para 2023 totalizaram US $ 675 milhões, distribuídos:
| Área de conformidade | Despesa ($ m) |
|---|---|
| Lavagem anti-dinheiro | 218 |
| Gerenciamento de riscos | 192 |
| Relatórios e auditoria | 165 |
| Tecnologia regulatória | 100 |
Custos de marketing e aquisição de clientes
As despesas de marketing em 2023 foram de US $ 312 milhões, com o seguinte quebra:
- Marketing Digital: US $ 124 milhões
- Patrocínio de eventos corporativos: US $ 58 milhões
- Publicidade tradicional: US $ 86 milhões
- Marketing de relacionamento com cliente: US $ 44 milhões
Investimentos de pesquisa e desenvolvimento
Os investimentos em P&D em 2023 totalizaram US $ 456 milhões, focados em:
| Área de foco em P&D | Investimento ($ m) |
|---|---|
| Inteligência artificial | 187 |
| Blockchain Technologies | 112 |
| Inovação de produtos financeiros | 95 |
| Pesquisa de computação quântica | 62 |
The Bank of New York Mellon Corporation (BK) - Modelo de negócios: fluxos de receita
Taxas de gerenciamento de ativos
Para o ano fiscal de 2023, informou o Banco de Nova York Mellon Corporation US $ 4,3 bilhões em taxas de serviços de investimento. A empresa gerencia aproximadamente US $ 2,2 trilhões em ativos sob gestão.
| Categoria de taxa de gerenciamento de ativos | Valor da receita (2023) |
|---|---|
| Gerenciamento institucional de ativos | US $ 2,8 bilhões |
| Taxas de gerenciamento de patrimônio | US $ 1,5 bilhão |
Taxas de processamento de transações
Processamento de transações gerado US $ 3,9 bilhões em receita para BK em 2023.
- Taxas de compensação e liquidação: US $ 1,6 bilhão
- Taxas de transação de câmbio: US $ 1,2 bilhão
- Taxas de processamento de pagamento: US $ 1,1 bilhão
Serviços de consultoria de investimentos
Os serviços de consultoria de investimento contribuíram US $ 1,7 bilhão para o fluxo de receita da empresa em 2023.
| Tipo de serviço de consultoria | Valor da receita |
|---|---|
| Aviso corporativo | US $ 780 milhões |
| Aviso de investimento em varejo | US $ 920 milhões |
Renda de empréstimos de valores mobiliários
Empréstimos de títulos gerados US $ 620 milhões em receita para BK em 2023.
Serviços de confiança corporativa e recibo de depósito
Serviços de confiança corporativa e recibo de depósito gerados US $ 1,1 bilhão em receita para o ano de 2023.
| Categoria de serviço | Valor da receita |
|---|---|
| Serviços de confiança corporativa | US $ 680 milhões |
| Serviços de recebimento de depósito | US $ 420 milhões |
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.
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