BNY Mellon Q3 Profit Rises 21%, Custody Assets Top $57.8T; Epstein-Linked Lawsuit Could Increase Legal Risk

BNY Mellon Q3 2025 earnings: profit up 21% to $1.34B, revenue hit $5.1B and assets under custody reached $57.8T. Read concise analysis and investor implications — COINOTAG | Oct 16, 2025

By COINOTAG — Published Oct 16, 2025; Updated Oct 16, 2025

• Record revenue and custody growth:

• Total revenue rose to $5.1 billion, with fee revenue at $3.64 billion and net interest income up 18%.

• Assets under custody and administration reached $57.8 trillion; BNY returned $1.2 billion to shareholders and maintained robust capital and liquidity ratios.

What are BNY Mellon Q3 2025 earnings results?

BNY Mellon Q3 2025 earnings show net income of $1.34 billion, a 21% year‑over‑year increase, with earnings per share of $1.88 (up 25%). Record quarterly revenue of $5.1 billion reflects stronger Securities Services and Market & Wealth Services performance, while assets under custody and administration rose to $57.8 trillion.

How did BNY drive revenue and profit growth in Q3 2025?

BNY’s growth was driven by a mix of higher fee revenue, increased net interest income, and favorable market conditions. Fee revenue reached $3.64 billion (up 7%), supported by stronger client flows and higher market values. Net interest income rose 18% to $1.24 billion, helped by reinvestment of maturing securities into higher-yield assets and balance sheet growth. Total revenue hit a record $5.1 billion — a 9% year-on-year increase.

Management cited efficiency savings alongside targeted investment spending, including integration of artificial intelligence across operations. CEO Robin Vince said the company’s commercial model and AI platform, Eliza, are “smarter, faster and easier to use,” contributing to sales momentum and expanded client solutions.

Operational performance and balance sheet metrics

BNY reported a pre-tax margin of 36% and a return on tangible common equity (ROTCE) of 25.6%. Average deposits were $299 billion, up 5% year-over-year. Capital metrics remained strong: the Tier 1 leverage ratio held at 6.1% and the Common Equity Tier 1 (CET1) ratio was 11.7% (compared with 11.9% a year ago). The firm returned $1.2 billion to shareholders via dividends ($381 million) and share repurchases ($849 million), reflecting a 92% payout ratio year-to-date.

Credit, liquidity and expense dynamics

BNY posted a $7 million benefit from credit losses, citing a more favorable macroeconomic outlook that offset higher reserves related to commercial real estate exposure. Noninterest expense increased 4% to $3.24 billion due to staff merit increases and technology investments; these were partly offset by efficiency savings. The effective tax rate for the quarter was 21.3%.

Liquidity measures remained above regulatory minimums: the average liquidity coverage ratio was 112% and the net stable funding ratio was 130%, according to the company’s earnings statement.

Legal developments

Alongside strong financials, BNY disclosed new legal pressure. A plaintiff identified as Jane Doe filed suit naming BNY and Bank of America, alleging the banks provided financial services that enabled Jeffrey Epstein’s sex trafficking operation. BNY said it will contest the suit and does not believe it has merit. The plaintiff is represented by Boies Schiller and Edwards Henderson, firms that previously secured large settlements in related litigation involving other banks. These developments are noted in the company’s SEC filings and were discussed on television by CEO Robin Vince (CNBC).

Frequently Asked Questions

How much did BNY return to shareholders in Q3 2025?

BNY returned $1.2 billion to shareholders in the quarter, comprising $381 million in dividends and $849 million in share repurchases. The company reported a 92% payout ratio year-to-date.

Did BNY face any lawsuits related to Jeffrey Epstein in Q3 2025?

Yes. A Jane Doe lawsuit alleges BNY and another bank provided services that enabled Jeffrey Epstein’s activities. BNY has stated it will vigorously contest the claim. The case is being pursued by Boies Schiller and Edwards Henderson, per public filings and media reports.

Key Takeaways

• Strong earnings: Net income rose 21% to $1.34 billion, driven by record revenue and higher fee and interest income.
• Scale and capital: Assets under custody and administration reached $57.8 trillion; capital and liquidity metrics remain above regulatory minima.
• Risks to monitor: Ongoing litigation alleging involvement with Jeffrey Epstein’s operations creates legal uncertainty; management intends to contest claims.

Conclusion

BNY Mellon’s Q3 2025 results demonstrate broad-based revenue growth and improved profitability, supported by stronger client flows, higher market values, and strategic reinvestment into technology such as the Eliza AI platform. While the quarter shows robust performance—record revenue, rising ROTCE, and elevated assets under custody—investors should monitor legal developments and reserve movements. For detailed filings and the full earnings release, refer to BNY Mellon’s Q3 2025 earnings report and associated SEC disclosures. COINOTAG will continue to track updates.

Sources: BNY Mellon Q3 2025 earnings report; CNBC interview with CEO Robin Vince; legal filings noting representation by Boies Schiller and Edwards Henderson.