The Bank of New York Mellon Cor (BNY) 10-K Summary — Year Ended Dec 31, 2025
The Bank of New York Mellon Corporation filed its annual report, describing its business and risk factors. The filing reports a year-over-year increase in revenue and net income, with operating cash flow also rising.
Key takeaway
Year ended Dec 31, 2025 · FY2025 10-K
The Bank of New York Mellon Corporation filed its annual report, describing its business and risk factors. The filing reports a year-over-year increase in revenue and net income, with operating cash flow also rising.
Financial snapshot
Selected annual figures reported with the filing, shown separately from the narrative summary.
Annual revenue
$20.1B
Revenue reported for the fiscal year.
Operating income
n/a
Income from operations reported for the year.
Net income
$5.5B
Net income reported for the year.
Operating cash flow
$6.7B
Cash generated by operating activities.
Annual revenue trend
Reported annual revenue and its change from the preceding fiscal year.
| Period ended | Revenue | Year-over-year change |
|---|---|---|
| Dec 31, 2022 | $16.5B | +3.8% |
| Dec 31, 2023 | $17.7B | +7.1% |
| Dec 31, 2024 | $18.6B | +5.2% |
| Dec 31, 2025 | $20.1B | +7.8% |
Business overview
The company is a financial institution that provides a range of services, including custody, asset servicing, and treasury management. Its operations are subject to extensive government regulation and rely on complex technology infrastructure. The filing highlights that errors, technology disruptions, or cybersecurity incidents could materially affect its business.
Financial performance
Revenue increased compared to the prior year, and net income also rose. Operating cash flow was positive and higher than net income, indicating strong cash generation from operations.
Material risks
The filing identifies material risks including operational errors or delays, technology or communications failures, and cybersecurity incidents that could lead to information loss or system outages. It also notes that the use of artificial intelligence introduces new risks, and that the company's risk management models may be insufficient to prevent unexpected losses.
Liquidity and capital
The filing does not provide specific details on capital allocation or liquidity strategies beyond the reported cash flows. Operating cash flow exceeded net income, suggesting the company generated sufficient internal funds to support its operations.
What to watch
Investors should monitor how the company addresses the risks and challenges associated with the development and use of artificial intelligence.