A coordinated commercial approach designed to streamline client engagement, establish clear relationship leads, and increase cross-selling across BNY's platforms.

Expected impact: Drives organic fee growth and client retention. In the first half of 2026, average deal size increased by over 20% year-over-year, and 50% of clients awarding new business in asset servicing also brought business to at least one other platform.

Integrating applied artificial intelligence across the client lifecycle and operational workflows, supported by internal training programs like the 40-hour AI Bootcamp.

Expected impact: Automates repetitive processing tasks (e.g., lockbox check image processing, anomaly detection, and reconciliation), shifting the workforce structure to focus on analytical and creative roles while expanding operating margins.

Partnering with Robinhood to act as the financial agent for the U.S. Treasury's program providing $1,000 tax-free savings accounts for American children born between 2025 and 2028.

Expected impact: Enhances BNY's public-sector partnership profile and expands retail-adjacent custody and servicing volumes. BNY will also match the $1,000 benefit for its own U.S. employees who open these accounts.