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Investor Relations14 Oct 2025
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The Bank of New York Mellon (BK) investor relations material
The Bank of New York Mellon Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Record revenue of $5.1 billion, up 9% year-over-year, driven by broad-based growth in Securities Services and Market and Wealth Services segments.
EPS of $1.88, up 25% year-over-year; pre-tax margin at 36% and ROTCE at 25.6%.
Transformation programs, AI initiatives, and product innovation contributed to operational improvements and sales momentum.
$1.2 billion returned to shareholders through dividends and share repurchases, with a payout ratio of 92%.
Constructive operating environment despite macro uncertainties, with resilient U.S. economy and strong equity markets.
Financial highlights
Net interest income rose 18% year-over-year to $1.24 billion, driven by higher yields and stable deposit levels.
Fee revenue up 7% year-over-year, with 10% growth in investment services fees; investment management and performance fees down 2%.
Expenses increased 4% year-over-year to $3.2 billion, reflecting continued cost discipline and higher investments.
Adjusted EPS was $1.91, up 26% year-over-year, excluding notable items.
Assets under custody/administration reached $57.8 trillion, up 11% year-over-year; AUM at $2.1 trillion, flat year-over-year.
Outlook and guidance
Q4 net interest income expected to be flat sequentially; full-year 2025 NII projected up 12% year-over-year.
Full-year 2025 expenses (excluding notable items) expected to rise ~3% year-over-year.
Effective tax rate for Q4 projected at 21%, full-year range 21%-22%.
Capital return to remain at 90%-100% payout ratio for full year.
Management notes sensitivity to market volatility, interest rates, and macroeconomic conditions.
Explain AUM cumulative net outflows
Quantify efficiency savings impact on expenses
Discuss commercial real estate reserve increase
BNY Mellon's stablecoin strategy
Operating leverage runway beyond 2025?
NII outlook for 2026 given rate cuts?
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Frequently asked questions
Leading Financial Services
The Bank of New York Mellon Corporation, most commonly referred to BNY Mellon, is an American multinational banking and financial services holding company. The company is one of the world's largest financial services providers, and BNY Mellon delivers a range of services that enable institutions and individuals to manage their financial assets. Its offerings include investment servicing, investment management, and investment research and trading. The company is, unsurprisingly, headquartered in NYC, and its shares are listed on the NYSE.
Two Historic Institutions
BNY Mellon is the result of the 2007 merger between The Bank of New York and Mellon Financial Corporation. The Bank of New York, established in 1784 by Alexander Hamilton (Yes, that Alexander Hamilton), is one of America's oldest banks and was one of the first companies traded on the New York Stock Exchange. Mellon Financial was founded in 1869 by the Mellon family of Pittsburgh. The merger combined The Bank of New York's extensive securities servicing and treasury management with Mellon's asset and wealth management services. Today, it is one of the leading financial services companies in the world and competes against names such as JPMorgan Chase, State Street, Blackrock, and many others.
Three Areas of Operation
BNY Mellon has three key areas of operation: Securities Services, Market & Wealth Services, and Investment & Wealth Management.
Securities Services encompass a range of offerings for institutional investors and market participants. This includes custody services, as well as offering securities lending, enabling clients to loan out securities in exchange for potential revenue. In addition, their fund services cover fund accounting, administration, and transfer agency activities.
BNY Mellon's Markets and Wealth Services cater to a diverse clientele, including high-net-worth individuals, family offices, and institutions. In Market Services, the company offers foreign exchange, securities finance, and liquidity services, enabling market transactions and effective risk management.
In Wealth Services, BNY Mellon delivers comprehensive wealth management, including investment management, wealth planning, and private banking. They offer personalized strategies to help clients grow, manage, and preserve their wealth, tailored to individual goals and circumstances.
Investment and Wealth management
In Investment Management, they provide a broad spectrum of investment strategies and solutions. This includes managing assets across various classes like equities, fixed income, and alternatives. In Wealth Management, the focus is on delivering tailored financial strategies for high-net-worth individuals, families, and family offices. Services here include comprehensive financial planning, investment management, and private banking solutions.
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