Q3 FY26 · Ended Sep 30, 2026 · View SEC filing
Fees alone pay for the whole platform
Fee revenue more than covers every operating cost, so net interest income adds to profit instead of paying the bills.
For investorsWhat the profit rests on if rates and markets turn
For foundersCharging on the client's assets: the platform playbook
Interest income fell, but funding costs fell faster, lifting net interest income 15.1% on a smaller gross base.
Revenue rose 11.7% while staff costs rose far less, so more of each dollar reached pre-tax income.
BNY lends mostly short term to investment-grade institutions it already serves, so credit losses barely register.
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Business Lens describes BNY Mellon from its own filings with the SEC. It is not a view on its shares, a target, or advice to buy, sell or hold anything; figures are as filed and may be restated by the company later. The filing is linked above.
