Q2 2026 Earnings

Reported July 31, 2026NEW

Quarter Comparison

Revenue

Net Margin

Free Cash Flow

Income Statement

Cash Flow Statement

Balance Sheet

Operating metrics disclosed this quarter

Read from the filing itself — XBRL does not carry these, so no standard financial dataset has them.

Average Active Clearing Accounts
8.7M
(dollars in millions, unless otherwise noted) | % | % 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Average active clearing accounts (in thousands) | 8,730 | 8,405 | 4 | %
Nonperforming Assets Ratio
0.0%
Nonperforming assets | June 30, 2026 | Dec. 31, 2025 (dollars in millions) Nonperforming loans: Wealth management mortgages | $ | 16 | $ | 17 Other residential mortgages | 15 | 17 Commercial real estate | — | 106 Total nonperforming loans | 31 | 140 Other assets owned | 2 | 3 Total nonperforming assets | $ | 33 | $ | 143 Nonperforming assets ratio | 0.04 | % | 0.18 | %
BNY Common Shareholders' Equity to Total Assets
7.6%
BNY shareholders’ equity to total assets ratio | 8.5 | % | 9.4 | % BNY common shareholders’ equity to total assets ratio | 7.6 | 8.4
BNY Shareholders' Equity to Total Assets
8.5%
BNY shareholders’ equity to total assets ratio | 8.5 | % | 9.4 | % BNY common shareholders’ equity to total assets ratio | 7.6 | 8.4
Wealth Management Client Assets
$348.00B
AUM trends | 2Q26 vs. (dollars in billions) | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q26 | 2Q25 Wealth Management client assets (c) | $ | 348 | $ | 339 | $ | 350 | $ | 348 | $ | 339 | 3 | % | 3 | %
Cash-strategy Net Flows
$24.00B
AUM trends | 2Q26 vs. (dollars in billions) | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q26 | 2Q25 Short-term strategies: Cash | 24 | (10) | 20 | 34 | 7 Total net inflows (outflows) | 3 | (17) | (3) | 1 | (17)

Long-term Active Strategies Net Flows

$-12.00B

AUM trends | 2Q26 vs. (dollars in billions) | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q26 | 2Q25 Net inflows (outflows): Long-term strategies: Equity | (6) | (4) | (4) | (8) | (3) Fixed income | 9 | 3 | 5 | 7 | 5 Liability-driven investments | (14) | 1 | (15) | (23) | — Multi-asset and alternative investments | (1) | — | (1) | (1) | (4) Total long-term active strategies inflows (outflows) | (12) | — | (15) | (25) | (2)

Long-term Strategies Net Flows

$-21.00B

Total AUM Net Inflows

$3.00B

AUM trends | 2Q26 vs. (dollars in billions) | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q26 | 2Q25 Changes in AUM: (a) Beginning balance of AUM | $ | 2,126 | $ | 2,178 | $ | 2,142 | $ | 2,106 | $ | 2,008 Net inflows (outflows): Long-term strategies: Equity | (6) | (4) | (4) | (8) | (3) Fixed income | 9 | 3 | 5 | 7 | 5 Liability-driven investments | (14) | 1 | (15) | (23) | — Multi-asset and alternative investments | (1) | — | (1) | (1) | (4) Total long-term active strategies inflows (outflows) | (12) | — | (15) | (25) | (2) Index | (9) | (7) | (8) | (8) | (22) Total long-term strategies inflows (outflows) | (21) | (7) | (23) | (33) | (24) Short-term strategies: Cash | 24 | (10) | 20 | 34 | 7 Total net inflows (outflows) | 3 | (17) | (3) | 1 | (17)

Wealth Solutions Net New Assets, U.S. Platform

$25.00B

(dollars in millions, unless otherwise noted) | % | % 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Wealth Solutions: AUC/A at period end (in trillions) (a) | $ | 3.6 | $ | 3.0 | 20 | % Net new assets (U.S. platform) (in billions) (d) | $ | 25 | $ | (10) | N/M

Depositary Receipts Programs

1.7K

Issuer Services: Total debt serviced at period end (in trillions) | $ | 15.2 | $ | 14.3 | 6 | % Number of Depositary Receipts programs at period end | 1,655 | 1,568 | 6 | %

Average Collateral Balances

$8199.00B

Clearance and Collateral Management: Average collateral balances (in billions) | $ | 8,199 | $ | 7,061 | 16 | %

Allowance for Loan Losses to Nonperforming Loans

716.1%

Nonperforming assets | June 30, 2026 | Dec. 31, 2025 (dollars in millions) Nonperforming loans: Wealth management mortgages | $ | 16 | $ | 17 Other residential mortgages | 15 | 17 Commercial real estate | — | 106 Total nonperforming loans | 31 | 140 Other assets owned | 2 | 3 Total nonperforming assets | $ | 33 | $ | 143 Nonperforming assets ratio | 0.04 | % | 0.18 | % Allowance for loan losses/nonperforming loans | 716.1 | 175.0

Commercial Portfolio Investment-grade Percentage

97.0%

Percentage of the portfolios that are investment grade Quarter ended June 30, 2026 | March 31, 2026 | Dec. 31, 2025 | Sept. 30, 2025 | June 30, 2025 Financial institutions | 96 | % | 97 | % | 96 | % | 96 | % | 96 | % Commercial | 97 | % | 96 | % | 97 | % | 96 | % | 95 | %

Financial Institutions Portfolio Investment-grade Percentage

96.0%

Allowance for Loan Losses and Lending-related Commitments to Total Loans

0.3%

Allowance for credit losses activity | Quarter ended | Year-to-date June 30, 2026 | June 30, 2025 | June 30, 2026 | June 30, 2025 (dollars in millions) Beginning balance of allowance for credit losses | $ | 347 | $ | 401 | $ | 344 | $ | 392 Provision for credit losses | (8) | (17) | (15) | 1 Net (charge-offs) recoveries: Loans: Other residential mortgages | 1 | — | 1 | 1 Commercial real estate | — | (5) | 11 | (15) Other financial instruments | (1) | — | (2) | — Net (charge-offs) recoveries | — | (5) | 10 | (14) Ending balance of allowance for credit losses | $ | 339 | $ | 379 | $ | 339 | $ | 379 Allowance for loan losses | $ | 222 | $ | 275 | $ | 222 | $ | 275 Allowance for lending-related commitments | 90 | 70 | 90 | 70 Allowance for other financial instruments (a) | 27 | 34 | 27 | 34 Total allowance for credit losses | $ | 339 | $ | 379 | $ | 339 | $ | 379 Total loans, at period end | $ | 88,741 | $ | 73,096 | $ | 88,741 | $ | 73,096 Allowance for loan losses as a percentage of total loans | 0.25 | % | 0.38 | % | 0.25 | % | 0.38 | % Allowance for loan losses and lending-related commitments as a percentage of total loans | 0.35 | % | 0.47 | % | 0.35 | % | 0.47 | %

Allowance for Loan Losses to Total Loans

0.3%

Total Available Funds

$208.10B

Available funds | June 30, 2026 | Dec. 31, 2025 | Average (dollars in millions) | 2Q26 | 2Q25 | YTD26 | YTD25 Cash and due from banks | $ | 7,483 | $ | 5,111 | $ | 6,124 | $ | 5,042 | $ | 5,975 | $ | 4,883 Interest-bearing deposits with the Federal Reserve and other central banks | 139,400 | 116,009 | 89,954 | 99,426 | 93,898 | 92,769 Interest-bearing deposits with banks | 12,276 | 10,397 | 12,657 | 11,199 | 12,355 | 10,644 Federal funds sold and securities purchased under resale agreements | 48,937 | 44,892 | 45,056 | 39,522 | 43,958 | 40,340 Total available funds | $ | 208,096 | $ | 176,409 | $ | 153,791 | $ | 155,189 | $ | 156,186 | $ | 148,636

Available Funds to Total Assets

40.0%

Eligible External Long-term Debt to Risk-weighted Assets

12.6%

TLAC and LTD ratios | June 30, 2026 Minimumrequired | Minimum ratios with buffers Ratios Eligible external TLAC: As a percentage of RWA | 18.0 | % | 21.5 | % | 27.1 | % As a percentage of total leverage exposure | 7.5 | % | 8.0 | % | 12.8 | % Eligible external LTD: As a percentage of RWA | 7.5 | % | N/A | 12.6 | % As a percentage of total leverage exposure | 2.5 | % | 3.0% | 5.9 | %

Eligible External Long-term Debt to Total Leverage Exposure

5.9%

Eligible External TLAC to Risk-weighted Assets

27.1%

Eligible External TLAC to Total Leverage Exposure

12.8%

Assets Under Management

$2226.00B

AUM trends | 2Q26 vs. (dollars in billions) | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q26 | 2Q25 Total AUM | $ | 2,226 | $ | 2,126 | $ | 2,178 | $ | 2,142 | $ | 2,106 | 5 | % | 6 | %

Overall Portfolio VaR, Average

$2.9M

VaR (a) | 2Q26 | June 30, 2026 (in millions) | Average | Minimum | Maximum Overall portfolio | 2.9 | 1.7 | 4.3 | 3.6

Overall Portfolio VaR, Period End

$3.6M

VaR (a) | 2Q26 | June 30, 2026 (in millions) | Average | Minimum | Maximum Overall portfolio | 2.9 | 1.7 | 4.3 | 3.6

Pre-tax Operating Margin

39.8%

Quarter ended | Year-to-date (dollars in millions, except per share amounts and unless otherwise noted) | June 30, 2026 | March 31, 2026 | June 30, 2025 | June 30, 2026 | June 30, 2025 Pre-tax operating margin | 39.8 | % | 37.3 | % | 36.6 | % | 38.6 | % | 34.2 | %

Full-time Employees

46.5K

Noninterest expense | % | % (dollars in millions) | 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Full-time employees at period-end | 46,500 | 49,900 | (7) | %

Average Daily U.S. Dollar Payment Volume

260.3K

(dollars in millions, unless otherwise noted) | % | % 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Payments and Trade: Average daily U.S. dollar payment volumes | 260,275 | 246,250 | 6 | %

Return on Common Shareholders' Equity

17.2%

Quarter ended | Year-to-date (dollars in millions, except per share amounts and unless otherwise noted) | June 30, 2026 | March 31, 2026 | June 30, 2025 | June 30, 2026 | June 30, 2025 Return on common shareholders’ equity (annualized) | 17.2 | % | 16.1 | % | 14.7 | % | 16.6 | % | 13.7 | %

Return on Tangible Common Shareholders' Equity

31.3%

Quarter ended | Year-to-date (dollars in millions, except per share amounts and unless otherwise noted) | June 30, 2026 | March 31, 2026 | June 30, 2025 | June 30, 2026 | June 30, 2025 Return on tangible common shareholders’ equity (annualized) – Non-GAAP (a) | 31.3 | % | 29.3 | % | 27.8 | % | 30.3 | % | 26.0 | %

CET1 Ratio, Advanced Approaches

12.4%

Regulatory capital and other ratios | June 30, 2026 | Dec. 31, 2025 Average liquidity coverage ratio (“LCR”) | 111 | % | 112 | % Average net stable funding ratio (“NSFR”) | 130 | % | 130 | % Regulatory capital ratios: (e) Advanced Approaches: Common Equity Tier 1 (“CET1”) ratio | 12.4 | % | 13.0 | % Tier 1 capital ratio | 15.1 | 16.0 Total capital ratio | 15.8 | 16.7

CET1 Ratio, Standardized Approach

11.0%

Standardized Approach: CET1 ratio | 11.0 | % | 11.9 | % Tier 1 capital ratio | 13.4 | 14.6 Total capital ratio | 14.2 | 15.4

Supplementary Leverage Ratio

6.3%

Tier 1 leverage ratio | 5.9 | % | 6.0 | % Supplementary leverage ratio (“SLR”) | 6.3 | 6.7

Tier 1 Capital Ratio, Advanced Approaches

15.1%

Regulatory capital ratios: (e) Advanced Approaches: Common Equity Tier 1 (“CET1”) ratio | 12.4 | % | 13.0 | % Tier 1 capital ratio | 15.1 | 16.0 Total capital ratio | 15.8 | 16.7

Tier 1 Capital Ratio, Standardized Approach

13.4%

Standardized Approach: CET1 ratio | 11.0 | % | 11.9 | % Tier 1 capital ratio | 13.4 | 14.6 Total capital ratio | 14.2 | 15.4

Tier 1 Leverage Ratio

5.9%

Tier 1 leverage ratio | 5.9 | % | 6.0 | % Supplementary leverage ratio (“SLR”) | 6.3 | 6.7

Total Capital Ratio, Advanced Approaches

15.8%

Regulatory capital ratios: (e) Advanced Approaches: Common Equity Tier 1 (“CET1”) ratio | 12.4 | % | 13.0 | % Tier 1 capital ratio | 15.1 | 16.0 Total capital ratio | 15.8 | 16.7

Total Capital Ratio, Standardized Approach

14.2%

Standardized Approach: CET1 ratio | 11.0 | % | 11.9 | % Tier 1 capital ratio | 13.4 | 14.6 Total capital ratio | 14.2 | 15.4

Average Consolidated High-quality Liquid Assets

$198.00B

Consolidated HQLA and LCR | June 30, 2026 | March 31, 2026 (dollars in billions) Cash (a) | $ | 138 | $ | 169 Securities (b) | 113 | 115 Total consolidated HQLA (c) | $ | 251 | $ | 284 Total consolidated HQLA – average (c) | $ | 198 | $ | 212

Average Liquidity Coverage Ratio

111.0%

Average Net Stable Funding Ratio

130.0%

Regulatory capital and other ratios | June 30, 2026 | Dec. 31, 2025 Average liquidity coverage ratio (“LCR”) | 111 | % | 112 | % Average net stable funding ratio (“NSFR”) | 130 | % | 130 | %

Consolidated High-quality Liquid Assets

$251.00B

Consolidated HQLA and LCR | June 30, 2026 | March 31, 2026 (dollars in billions) Cash (a) | $ | 138 | $ | 169 Securities (b) | 113 | 115 Total consolidated HQLA (c) | $ | 251 | $ | 284

Fee Revenue as a Percentage of Total Revenue

71.0%

Quarter ended | Year-to-date (dollars in millions, except per share amounts and unless otherwise noted) | June 30, 2026 | March 31, 2026 | June 30, 2025 | June 30, 2026 | June 30, 2025 Fee revenue as a percentage of total revenue | 71 | % | 70 | % | 72 | % | 70 | % | 72 | %

Investment and Wealth Management Pre-tax Operating Margin

21.1%

(dollars in millions) | 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Pre-tax operating margin | 21.1 | % | 18.5 | % | 16.1 | % | 13.4 | %

Market and Wealth Services Pre-tax Operating Margin

52.0%

(dollars in millions, unless otherwise noted) | % | % 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Pre-tax operating margin (a) | 52.0 | % | 48.4 | % | 51.4 | % | 48.1 | %

Securities Services Pre-tax Operating Margin

39.3%

(dollars in millions, unless otherwise noted) | 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Pre-tax operating margin (a) | 39.3 | % | 35.3 | % | 39.1 | % | 33.3 | %

Assets Under Custody and/or Administration

$62600.00B

Quarter ended | Year-to-date (dollars in millions, except per share amounts and unless otherwise noted) | June 30, 2026 | March 31, 2026 | June 30, 2025 | June 30, 2026 | June 30, 2025 Assets under custody and/or administration (“AUC/A”) at period end (in trillions) (c) | $ | 62.6 | $ | 59.4 | $ | 55.8 | $ | 62.6 | $ | 55.8

Issuer Services Total Debt Serviced

$15200.00B

Issuer Services: Total debt serviced at period end (in trillions) | $ | 15.2 | $ | 14.3 | 6 | % Number of Depositary Receipts programs at period end | 1,655 | 1,568 | 6 | %

Market and Wealth Services AUC/A

$16900.00B

Selected metrics: AUC/A at period end (in trillions) (a)(c) | $ | 16.9 | $ | 15.6 | 8 | %

Securities Services AUC/A

$45300.00B

Selected metrics: AUC/A at period end (in trillions) (a)(d) | $ | 45.3 | $ | 39.9 | 14 | % Market value of securities on loan at period end (in billions) (e) | $ | 645 | $ | 516 | 25 | %

Wealth Solutions AUC/A

$3600.00B

Wealth Solutions: AUC/A at period end (in trillions) (a) | $ | 3.6 | $ | 3.0 | 20 | % Net new assets (U.S. platform) (in billions) (d) | $ | 25 | $ | (10) | N/M

Net Interest Margin

1.4%

Net interest income | % | % (dollars in millions) | 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Net interest margin | 1.45 | % | 1.27 | % | 18 | bps | 1.42 | % | 1.29 | % | 13 | bps

Market Value of Securities on Loan

$645.00B

Selected metrics: AUC/A at period end (in trillions) (a)(d) | $ | 45.3 | $ | 39.9 | 14 | % Market value of securities on loan at period end (in billions) (e) | $ | 645 | $ | 516 | 25 | %

Daily Average Revenue Trades, U.S. Platform

391.0K

(dollars in millions, unless otherwise noted) | % | % 2Q26 | 2Q25 | change | YTD26 | YTD25 | change Daily average revenue trades (“DARTs”) (U.S. platform) (in thousands) | 391 | 334 | 17 | %