BNY Decreases Prime Lending Rate to 6.75%

Rhea-AI Summary

BNY (NYSE: BK) will lower its Prime Lending Rate by 0.25 percentage points, from 7.00% to 6.75%, effective Thursday, December 11, 2025.

The change takes effect the day after the announcement and reduces the bank's quoted prime rate used for variable commercial and consumer lending benchmarks.

Key Figures

New prime lending rate 6.75% Effective December 11, 2025

Prior prime lending rate 7.00% Before announced change

Rate change 0.25% Decrease in prime lending rate

Share price $115.93 Pre-news price context

52-week high $117.29 Pre-news 52-week range high

52-week low $70.46 Pre-news 52-week range low

Price vs 52-week high -1.16% Distance from 52-week high pre-news

Market cap $79,804,633,751 Pre-news market capitalization

Market Reality Check

$118.38 Last Close

Volume Volume 3503492 vs 20-day average 3174475 (slightly elevated activity pre-announcement). normal

Technical Price 115.93, trading above 200-day MA of 96.17, indicating a pre-news uptrend.

Peers on Argus

BK was up 1.3% ahead of the rate change while close peers showed mixed moves: ING -0.75%, BCS -0.9%, BMO -0.53%, CM -0.36%, and BNS +0.36%, suggesting stock-specific strength rather than a broad sector move.

Historical Context

Date	Event	Sentiment	Move	Catalyst
Dec 08	AI partnership	Positive	+0.4%	Integration of Gemini Enterprise into BNY’s Eliza AI platform.
Dec 02	Fund distribution	Neutral	+0.9%	Municipal Bond Infrastructure Fund maintained its $0.0420 monthly payout.
Nov 26	Fund distributions	Neutral	+0.6%	Strategic municipal bond funds declared $0.023 monthly distributions.
Nov 20	Dividend declaration	Neutral	-0.0%	High Yield Strategies Fund kept monthly dividend at $0.0175 per share.
Nov 13	Crypto product launch	Positive	-1.4%	Launch of BNY Dreyfus Stablecoin Reserves Fund for stablecoin reserves.

Pattern Detected

Recent news events (AI partnership, product launches, fund distributions) generally saw modest positive price reactions, with one negative reaction following a digital-asset product launch.

Recent Company History

Over the past month, BK issued several announcements, including an AI collaboration with Google Cloud on Dec 8, 2025, multiple closed-end fund distribution declarations in late November, and the launch of the BNY Dreyfus Stablecoin Reserves Fund on Nov 13, 2025. Price reactions to these items were mostly small gains between 0.37% and 0.9%, with a -1.42% move after the stablecoin reserves fund launch. Today’s prime lending rate adjustment fits into an active news period touching technology, funds, and digital assets.

Market Pulse Summary

This announcement reduced BK’s Prime Lending Rate by 0.25%, from 7.00% to 6.75% effective December 11, 2025, providing a clear reference for borrowers and market participants. It followed a busy period that included AI initiatives, fund distributions, and digital-asset product launches. Investors may focus on how this change interacts with BK’s broader balance-sheet strategy, lending mix, and any forthcoming earnings or regulatory disclosures.

Key Terms

prime lending rate financial

"will decrease the Prime Lending Rate by 0.25%, from 7.00% to 6.75%"

The prime lending rate is the interest rate banks typically charge their most creditworthy customers for loans; think of it as the store price that lenders offer to their best buyers. It matters to investors because many consumer and business loan rates, mortgages and corporate borrowing costs are tied to that rate, so changes act like a ripple that affects company profits, consumer spending and overall market valuations.

AI-generated analysis. Not financial advice.

NEW YORK,, Dec. 10, 2025 /PRNewswire/ -- BNY (NYSE: BK), will decrease the Prime Lending Rate by 0.25%, from 7.00% to 6.75%, effective Thursday, December 11, 2025.

About BNY

BNY is a global financial services company that helps make money work for the world – managing it, moving it and keeping it safe. For more than 240 years BNY has partnered alongside clients, putting its expertise and platforms to work to help them achieve their ambitions. Today BNY helps over 90% of Fortune 100 companies and nearly all the top 100 banks globally access the money they need. BNY supports governments in funding local projects and works with over 90% of the top 100 pension plans to safeguard investments for millions of individuals, and so much more. As of September 30, 2025, BNY oversees $57.8 trillion in assets under custody and/or administration and $2.1 trillion in assets under management.

BNY is the corporate brand of The Bank of New York Mellon Corporation (NYSE: BK). Headquartered in New York City, BNY has been named among Fortune's World's Most Admired Companies and Fast Company's Best Workplaces for Innovators. Additional information is available on www.bny.com.

Contacts:
Media
Anneliese Diedrichs
+1 646 468 6026
anneliese.diedrichs@bny.com

Analysts
Marius Merz
+1 212 298 1480
marius.merz@bny.com

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SOURCE BNY

FAQ

What change did BNY (BK) announce for its Prime Lending Rate on December 10, 2025?

BNY announced a decrease of the Prime Lending Rate by 0.25%, from 7.00% to 6.75%.

When does BNY's (BK) new Prime Lending Rate of 6.75% become effective?

The new Prime Lending Rate becomes effective on Thursday, December 11, 2025.

How much did BNY (BK) cut its prime rate on December 10, 2025?

BNY cut its prime rate by 0.25 percentage points.

Which Prime Lending Rate will BNY (BK) quote after the December 11, 2025 change?

After the change BNY will quote a Prime Lending Rate of 6.75%.

Does the December 11, 2025 effective date for BNY's (BK) prime rate change occur before or after the announcement date?

The effective date, December 11, 2025, is the day after the announcement on December 10, 2025.