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Commitments and contingent liabilities (Tables)
 9 Months Ended
Sep. 30, 2025
Commitments and Contingencies Disclosure [Abstract]  
Summary of Off-Balance Sheet Credit Risks, Net of Participations
The following table presents a summary of our off-balance sheet credit risks.

Off-balance sheet credit risksSept. 30, 2025Dec. 31, 2024
(in millions)
Lending commitments$53,974 $52,581 
Standby letters of credit (“SBLC”) (a)
1,582 1,641 
Commercial letters of credit42 24 
Securities lending
indemnifications (b)(c)
614,049 544,601 
(a)Net of participations totaling $130 million at Sept. 30, 2025 and $192 million at Dec. 31, 2024.
(b)Excludes the indemnification for securities for which BNY acts as an agent on behalf of CIBC Mellon clients, which totaled $81 billion at Sept. 30, 2025 and $60 billion at Dec. 31, 2024.
(c)Includes cash collateral, invested in indemnified repurchase agreements, held by us as securities lending agent of $61 billion at Sept. 30, 2025 and $59 billion at Dec. 31, 2024.
Standby Letters of Credits by Investment Grade The table below shows SBLCs by investment grade:
Standby letters of creditSept. 30, 2025Dec. 31, 2024
Investment grade77%67%
Non-investment grade23%33%
Summary of Credit Exposure in the Financial Institutions and Commercial Portfolios The tables below present our credit exposure in the financial institutions and commercial portfolios.
Financial institutions
portfolio exposure
(in billions)
Sept. 30, 2025

Loans		Unfunded
commitments		Total exposure
Securities industry$3.6 $19.5 $23.1 
Asset managers1.5 8.2 9.7 
Banks7.6 1.8 9.4 
Insurance0.1 4.2 4.3 
Government— 0.6 0.6 
Other0.2 1.1 1.3 
Total$13.0 $35.4 $48.4 


Commercial portfolio
exposure
(in billions)
Sept. 30, 2025

Loans		Unfunded
commitments		Total exposure
Services and other$0.6 $3.9 $4.5 
Manufacturing0.5 3.8 4.3 
Energy and utilities0.2 3.9 4.1 
Media and telecom— 0.8 0.8 
Total$1.3 $12.4 $13.7