BNY Mellon: Operating in 35 countries, BNY Mellon provides various products and services to individuals and institutions. Its global client base consists of financial institutions, corporations, government agencies, endowments and foundations, and high-net-worth individuals. Higher interest rates continue to support BNY Mellon's top-line growth. While the company's NII and NIM declined in 2020 and 2021, both rebounded solidly thereafter. Though higher funding costs will likely weigh on NII, the metric is anticipated to keep improving in the quarters ahead, driven by lower rates. BNY Mellon's growth initiatives are impressive. The company has been launching several new services and products, digitizing operations and making strategic acquisitions. In September, BNY Mellon announced plans to launch Alts Bridge, an extensive data, software and services solution, by fall.