Form 8-K

8-K — Bank of New York Mellon Corp

Accession: 0001390777-26-000104

Filed: 2026-10-15

Period: 2026-10-15

CIK: 0001390777

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — bk-20261015.htm (Primary)

EX-99.1 — EARNINGS RELEASE (ex991_earningsreleasex3q26.htm)

EX-99.2 — FINANCIAL SUPPLEMENT (ex992_financialsupplementx.htm)

EX-99.3 — QUARTERLY UPDATE PRESENTATION (ex993_quarterlyupdatepre.htm)

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8-K — FORM 8-K

8-K (Primary)

Filename: bk-20261015.htm · Sequence: 1

bk-20261015

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) – October 15, 2026

THE BANK OF NEW YORK MELLON CORPORATION

(Exact name of registrant as specified in its charter)

Delaware 001-35651 13-2614959

(State or other jurisdiction

of incorporation) (Commission

File Number) (I.R.S. Employer

Identification No.)

240 Greenwich Street

New York, New York 10286

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code – (212) 495-1784

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading

symbol(s) Name of each exchange

on which registered

Common Stock, $0.01 par value BNY New York Stock Exchange

6.244% Fixed-to-Floating Rate Normal Preferred Capital Securities of Mellon Capital IV BNY/P New York Stock Exchange

(fully and unconditionally guaranteed by The Bank of New York Mellon Corporation)

Depositary Shares, each representing a 1/4,000th interest in a share of Series K Noncumulative BNY PRK New York Stock Exchange

Perpetual Preferred Stock

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 under the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On October 15, 2026, The Bank of New York Mellon Corporation (“BNY”) released information on its financial results for the third quarter ended Sept. 30, 2026. Copies of the Earnings Release and the Financial Supplement are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated herein by reference.

ITEM 7.01. REGULATION FD DISCLOSURE.

On October 15, 2026, BNY will hold a conference call and webcast to discuss its financial results for the third quarter ended Sept. 30, 2026 and outlook. A copy of the Quarterly Update Presentation for the conference call and webcast is attached hereto as Exhibit 99.3.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(d) EXHIBITS.

Exhibit

Number Description

99.1

The Bank of New York Mellon Corporation Earnings Release dated October 15, 2026, announcing financial results for the third quarter of 2026.

The quotation in Exhibit 99.1 (the “Excluded Section”) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (“Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of BNY under the Securities Act of 1933 or the Exchange Act. The information included in Exhibit 99.1, other than in the Excluded Section, shall be deemed “filed” for purposes of the Exchange Act.

99.2

The Bank of New York Mellon Corporation Financial Supplement dated October 15, 2026, for the third quarter of 2026.

The information included in Exhibit 99.2 shall be deemed “filed” for purposes of the Exchange Act.

99.3

Third Quarter 2026 Quarterly Update Presentation dated October 15, 2026.

The information included in Exhibit 99.3 shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of BNY under the Securities Act of 1933 or the Exchange Act.

104 Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

The Bank of New York Mellon Corporation

(Registrant)

Date: October 15, 2026 By: /s/ Jean Weng

Name:

Title: Jean Weng

Secretary

EX-99.1 — EARNINGS RELEASE

EX-99.1

Filename: ex991_earningsreleasex3q26.htm · Sequence: 2

Document

3Q26

FINANCIALRESULTS

BNY Reports Third Quarter 2026

Earnings Per Common Share of $2.34

NEW YORK, October 15, 2026 – The Bank of New York Mellon Corporation (“BNY”) (NYSE: BNY) today has reported financial results for the third quarter of 2026.

CEO COMMENTARY

BNY delivered strong results in the third quarter. With broad-based growth across our platforms, we increased revenue by 12% year-over-year, delivering significant operating leverage and earnings per share growth of 24%. For the quarter, we generated a very solid pre-tax margin of 39% and a strong ROTCE of 29%.

Our performance in the quarter once again highlights the resilience and durability of our business model against the backdrop of an overall constructive but uneven operating environment.

Client demand continued to grow, underpinned by our ongoing work to unlock the value inherent in the combination of BNY’s businesses enabled by our platform operating and commercial models. Sales and pipelines remained very healthy across products, client segments and regions and we launched several solutions during the quarter that are meeting emerging needs in the market.

Looking ahead, our teams around the world are energized by BNY’s momentum and excited about the opportunities in front of us to create value for our clients and shareholders.

– Robin Vince, Chief Executive Officer

EPS Pre-tax margin ROE ROTCE

$2.34

39%

16%

29% (a)

KEY FINANCIAL INFORMATION

(dollars in millions, except per share amounts and unless otherwise noted) 3Q26 vs.

3Q26 2Q26 3Q25

Selected income statement data:

Total fee revenue $ 4,078 1 % 12 %

Investment and other revenue 175 N/M N/M

Net interest income 1,423 (2) % 15 %

Total revenue $ 5,676 — % 12 %

Provision for credit losses 1 N/M N/M

Noninterest expense $ 3,489 1 % 8 %

Net income applicable to common shareholders $ 1,608 (5) % 20 %

Diluted EPS $ 2.34 (4) % 24 %

Selected metrics:

AUC/A (in trillions)

$ 63.4 1 % 10 %

AUM (in trillions)

$ 2.2 (2) % 2 %

Financial ratios: 3Q26 2Q26 3Q25

Pre-tax operating margin 38.5 % 39.8 % 36.4 %

ROE 16.0 % 17.2 % 13.7 %

ROTCE (a)

29.0 % 31.3 % 25.6 %

Capital ratios:

Tier 1 leverage ratio 5.7 % 5.9 % 6.1 %

CET1 ratio 10.9 % 11.0 % 11.7 %

HIGHLIGHTS

Results

•Total revenue of $5.7 billion, increased 12%

•Noninterest expense of $3.5 billion, increased 8%

•Diluted EPS of $2.34, increased 24%

Profitability

•Pre-tax operating margin of 38.5%

•ROTCE of 29.0% (a)

Balance sheet

•Average deposits of $311 billion, increased 4% year-over-year and decreased 1% sequentially

•Tier 1 leverage ratio of 5.7%, decreased 42 bps year-over-year and 24 bps sequentially

Capital distribution

•Returned $1.4 billion of capital to common shareholders

•$436 million of dividends

•$937 million of share repurchases

•Total payout ratio of 86% year-to-date

(a) For information on the Non-GAAP measures, see “Explanation of GAAP and Non-GAAP financial measures” beginning on page 9.

Note: Above comparisons are 3Q26 vs. 3Q25, unless otherwise noted.

Media: Anneliese Diedrichs + 1 646 468 6026

Investors: Marius Merz +1 212 298 1480

BNY 3Q26 Financial Results

CONSOLIDATED FINANCIAL HIGHLIGHTS

(dollars in millions, except per share amounts and unless otherwise noted;

not meaningful - N/M) 3Q26 vs.

3Q26 2Q26 3Q25 2Q26 3Q25

Fee revenue $ 4,078 $ 4,036 $ 3,637 1 % 12 %

Investment and other revenue 175 216 208 N/M N/M

Total fee and other revenue 4,253 4,252 3,845 — 11

Net interest income 1,423 1,446 1,236 (2) 15

Total revenue 5,676 5,698 5,081 — 12

Provision for credit losses 1 (8) (7) N/M N/M

Noninterest expense 3,489 3,439 3,236 1 8

Income before taxes 2,186 2,267 1,852 (4) 18

Provision for income taxes 499 475 395 5 26

Net income $ 1,687 $ 1,792 $ 1,457 (6) % 16 %

Net income applicable to common shareholders of The Bank of New York Mellon Corporation $ 1,608 $ 1,696 $ 1,339 (5) % 20 %

Operating leverage (a)

(184) bps 389 bps

Diluted earnings per common share $ 2.34 $ 2.45 $ 1.88 (4) % 24 %

Average common shares and equivalents outstanding - diluted (in thousands)

686,913 692,223 712,854

Pre-tax operating margin 38.5 % 39.8 % 36.4 %

Metrics:

Average loans $ 86,791 $ 85,587 $ 72,692 1 % 19 %

Average deposits 311,075 314,036 299,326 (1) 4

AUC/A at period end (in trillions) (current period is preliminary)

63.4 62.6 57.8 1 10

AUM at period end (in trillions) (current period is preliminary)

2.2 2.2 2.1 (2) 2

Non-GAAP measures, excluding notable items: (b)

Adjusted total revenue $ 5,676 $ 5,698 $ 5,069 — % 12 %

Adjusted noninterest expense 3,467 3,431 3,197 1 8

Adjusted operating leverage (a)

(144) bps 353 bps

Adjusted diluted earnings per common share $ 2.37 $ 2.46 $ 1.91 (4) % 24 %

Adjusted pre-tax operating margin 38.9 % 39.9 % 37.1 %

(a) Operating leverage is the rate of increase (decrease) in total revenue less the rate of increase (decrease) in total noninterest expense.

(b) See “Explanation of GAAP and Non-GAAP financial measures” beginning on page 9 for additional information.

bps – basis points.

KEY DRIVERS (comparisons are 3Q26 vs. 3Q25, unless otherwise noted)

•Total revenue increased 12%, primarily reflecting:

•Fee revenue increased 12%, primarily reflecting net new business, higher client activity and higher market values, partially offset by the mix of AUM flows.

•Investment and other revenue decreased primarily reflecting the impact of fixed income and equity trading activity, seed capital results and the absence of a 3Q25 disposal gain, partially offset by other investment gains.

•Net interest income increased 15%, primarily reflecting the reinvestment of investment securities at higher yields and balance sheet growth, partially offset by deposit margin compression.

•Provision for credit losses was $1 million.

•Noninterest expense increased 8%, primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings.

•Effective tax rate of 22.8%.

Assets under custody and/or administration (“AUC/A”) and Assets under management (“AUM”)

•AUC/A increased 10%, primarily reflecting higher market values, net client inflows and net new business, partially offset by the unfavorable impact of a stronger U.S. dollar.

•AUM increased 2%, primarily reflecting higher market values, partially offset by cumulative net outflows and the unfavorable impact of the stronger U.S. dollar.

Capital and liquidity

•$436 million of dividends to common shareholders (a); $937 million of common share repurchases.

•Return on common equity (“ROE”) – 16.0%.

•Return on tangible common equity (“ROTCE”) – 29.0% (b).

•Common Equity Tier 1 (“CET1”) ratio – 10.9%; Tier 1 leverage ratio – 5.7%.

•Average liquidity coverage ratio (“LCR”) – 111%; Average net stable funding ratio (“NSFR”) – 129%.

•Total Loss Absorbing Capacity (“TLAC”) ratios exceed minimum requirements.

(a) Including dividend equivalents on share-based awards.

(b) See “Explanation of GAAP and Non-GAAP financial measures” beginning on page 9 for additional information.

Note: Throughout this document, sequential growth rates are unannualized.

BNY 3Q26 Financial Results

SECURITIES SERVICES BUSINESS SEGMENT HIGHLIGHTS

(dollars in millions, unless otherwise noted; not meaningful - N/M) 3Q26 vs.

3Q26 2Q26 3Q25 2Q26 3Q25

Investment services fees:

Asset Servicing $ 1,264 $ 1,209 $ 1,129 5 % 12 %

Issuer Services 449 463 313 (3) 43

Total investment services fees 1,713 1,672 1,442 2 19

Foreign exchange revenue 171 203 143 (16) 20

Other fees (a)

78 77 73 1 7

Total fee revenue 1,962 1,952 1,658 1 18

Investment and other revenue 93 94 119 N/M N/M

Total fee and other revenue 2,055 2,046 1,777 — 16

Net interest income 765 782 670 (2) 14

Total revenue 2,820 2,828 2,447 — 15

Provision for credit losses 4 (5) (3) N/M N/M

Noninterest expense 1,808 1,722 1,639 5 10

Income before taxes $ 1,008 $ 1,111 $ 811 (9) % 24 %

Total revenue by line of business:

Asset Servicing $ 2,130 $ 2,121 $ 1,903 — % 12 %

Issuer Services 690 707 544 (2) 27

Total revenue by line of business $ 2,820 $ 2,828 $ 2,447 — % 15 %

Pre-tax operating margin 35.8 % 39.3 % 33.1 %

Securities lending revenue (b)

$ 92 $ 78 $ 62 18 % 48 %

Metrics:

Average loans $ 12,534 $ 13,180 $ 10,706 (5) % 17 %

Average deposits $ 191,647 $ 194,183 $ 183,070 (1) % 5 %

AUC/A at period end (in trillions) (current period is preliminary) (c)

$ 45.9 $ 45.3 $ 41.5 1 % 11 %

Market value of securities on loan at period end (in billions) (d)

$ 630 $ 645 $ 554 (2) % 14 %

(a) Other fees primarily include financing-related fees.

(b) Included in investment services fees reported in the Asset Servicing line of business.

(c) Consists of AUC/A primarily from the Asset Servicing line of business and, to a lesser extent, the Issuer Services line of business. Includes the AUC/A of CIBC Mellon Trust Company (“CIBC Mellon”), a joint venture with the Canadian Imperial Bank of Commerce, of $2.3 trillion at Sept. 30, 2026, $2.2 trillion at June 30, 2026 and $2.1 trillion at Sept. 30, 2025.

(d) Represents the total amount of securities on loan in our agency securities lending program. Excludes securities for which BNY acts as agent on behalf of CIBC Mellon clients, which totaled $72 billion at Sept. 30, 2026, $71 billion at June 30, 2026 and $81 billion at Sept. 30, 2025.

KEY DRIVERS

•The drivers of the total revenue variances by line of business are indicated below.

•Asset Servicing – The year-over-year increase primarily reflects higher net interest income, client activity, net new business and market values. The sequential increase primarily reflects higher client activity, partially offset by lower foreign exchange revenue and net interest income.

•Issuer Services – The year-over-year increase primarily reflects higher Corporate Trust revenue. The sequential decrease reflects lower Depositary Receipts revenue, partially offset by higher Corporate Trust revenue.

•Noninterest expense increased year-over-year primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings and lower severance expense. The sequential increase primarily reflects higher revenue-related expenses and investments.

BNY 3Q26 Financial Results

MARKET AND WEALTH SERVICES BUSINESS SEGMENT HIGHLIGHTS

(dollars in millions, unless otherwise noted; not meaningful - N/M) 3Q26 vs.

3Q26 2Q26 3Q25 2Q26 3Q25

Investment services fees:

Wealth Solutions $ 554 $ 551 $ 520 1 % 7 %

Payments and Trade 232 224 214 4 8

Clearance and Collateral Management 464 453 398 2 17

Total investment services fees 1,250 1,228 1,132 2 10

Foreign exchange revenue 31 34 31 (9) —

Other fees (a)

72 71 70 1 3

Total fee revenue 1,353 1,333 1,233 2 10

Investment and other revenue 24 26 22 N/M N/M

Total fee and other revenue 1,377 1,359 1,255 1 10

Net interest income 607 611 524 (1) 16

Total revenue 1,984 1,970 1,779 1 12

Provision for credit losses 1 (2) (3) N/M N/M

Noninterest expense 963 948 912 2 6

Income before taxes $ 1,020 $ 1,024 $ 870 — % 17 %

Total revenue by line of business:

Wealth Solutions $ 813 $ 806 $ 741 1 % 10 %

Payments and Trade 579 571 510 1 14

Clearance and Collateral Management 592 593 528 — 12

Total revenue by line of business $ 1,984 $ 1,970 $ 1,779 1 % 12 %

Pre-tax operating margin 51.4 % 52.0 % 48.9 %

Metrics:

Average loans $ 57,671 $ 56,258 $ 46,278 3 % 25 %

Average deposits $ 103,556 $ 102,606 $ 97,508 1 % 6 %

AUC/A at period end (in trillions) (current period is preliminary) (b)

$ 17.1 $ 16.9 $ 16.0 1 % 7 %

(a) Other fees primarily include financing-related fees.

(b) Consists of AUC/A from the Clearance and Collateral Management and Wealth Solutions lines of business.

KEY DRIVERS

•The drivers of the total revenue variances by line of business are indicated below.

•Wealth Solutions – The year-over-year increase primarily reflects higher net interest income, market values, client activity and net new business.

•Payments and Trade – The year-over-year increase primarily reflects higher net interest income and net new business. The sequential increase primarily reflects higher net new business.

•Clearance and Collateral Management – The year-over-year increase primarily reflects higher collateral balances and clearance volumes.

•Noninterest expense increased year-over-year primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings. The sequential increase primarily reflects higher revenue-related expenses.

BNY 3Q26 Financial Results

INVESTMENT AND WEALTH MANAGEMENT BUSINESS SEGMENT HIGHLIGHTS

(dollars in millions, unless otherwise noted; not meaningful - N/M) 3Q26 vs.

3Q26 2Q26 3Q25 2Q26 3Q25

Investment management fees $ 802 $ 793 $ 776 1 % 3 %

Performance fees 2 3 6 N/M N/M

Investment management and performance fees 804 796 782 1 3

Distribution and servicing fees 70 71 69 (1) 1

Other fees (a)

(84) (87) (78) N/M N/M

Total fee revenue 790 780 773 1 2

Investment and other revenue (b)

8 29 10 N/M N/M

Total fee and other revenue (b)

798 809 783 (1) 2

Net interest income 59 54 41 9 44

Total revenue 857 863 824 (1) 4

Provision for credit losses (3) (5) — N/M N/M

Noninterest expense 655 686 640 (5) 2

Income before taxes $ 205 $ 182 $ 184 13 % 11 %

Total revenue by line of business:

Investment Management $ 562 $ 577 $ 559 (3) % 1 %

Wealth Management 295 286 265 3 11

Total revenue by line of business $ 857 $ 863 $ 824 (1) % 4 %

Pre-tax operating margin 23.9 % 21.1 % 22.3 %

Metrics:

Average loans $ 14,807 $ 14,410 $ 14,143 3 % 5 %

Average deposits $ 9,690 $ 9,691 $ 9,201 — % 5 %

AUM (in billions) (current period is preliminary) (c)

$ 2,187 $ 2,226 $ 2,142 (2) % 2 %

Wealth Management client assets (in billions) (current period is preliminary) (d)

$ 354 $ 348 $ 348 2 % 2 %

(a) Other fees primarily include investment services fees.

(b) Investment and other revenue and total fee and other revenue are net of income (loss) attributable to noncontrolling interests related to consolidated investment management funds.

(d) Includes AUM and AUC/A in the Wealth Management line of business.

KEY DRIVERS

•The drivers of the total revenue variances by line of business are indicated below.

•Investment Management – The year-over-year increase primarily reflects higher market values, partially offset by the mix of AUM flows. The sequential decrease primarily reflects lower seed capital results.

•Wealth Management – The year-over-year and sequential increases primarily reflect higher net interest income and market values.

•Noninterest expense increased year-over-year primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings. The sequential decrease primarily reflects lower revenue-related expenses.

BNY 3Q26 Financial Results

OTHER SEGMENT

The Other segment primarily includes corporate treasury activities, including our investment securities portfolio, derivatives and other trading activity, tax credit investments and other corporate investments, certain business exits and other corporate revenue and expense items.

(dollars in millions) 3Q26 2Q26 3Q25

Fee revenue $ (27) $ (29) $ (27)

Investment and other revenue 53 36 45

Total fee and other revenue 26 7 18

Net interest income (expense) (8) (1) 1

Total revenue 18 6 19

Provision for credit losses (1) 4 (1)

Noninterest expense 63 83 45

Loss before taxes $ (44) $ (81) $ (25)

KEY DRIVERS

•Total revenue includes corporate treasury and other investment activity, including hedging activity which has an offsetting impact between fee and other revenue and net interest expense. The year-over-year decrease primarily reflects the absence of 3Q25 gains realized on the sale of real estate, partially offset by a 3Q26 strategic equity investment gain. The sequential increase primarily reflects the strategic equity investment gain.

•Noninterest expense increased year-over-year primarily reflecting the absence of a 3Q25 adjustment for the FDIC special assessment and higher severance expense. The sequential decrease primarily reflects lower staff expense.

BNY 3Q26 Financial Results

CAPITAL AND LIQUIDITY

Capital and liquidity ratios Sept. 30, 2026 June 30, 2026 Dec. 31, 2025

Consolidated regulatory capital ratios: (a)

CET1 ratio 10.9 % 11.0 % 11.9 %

Tier 1 capital ratio 13.1 13.4 14.6

Total capital ratio 13.8 14.2 15.4

Tier 1 leverage ratio (a)

5.7 5.9 6.0

Supplementary leverage ratio (a)

6.0 6.3 6.7

BNY shareholders’ equity to total assets ratio 8.8 % 8.5 % 9.4 %

BNY common shareholders’ equity to total assets ratio 8.0 % 7.6 % 8.4 %

Average LCR (a)

111 % 111 % 112 %

Average NSFR (a)

129 % 130 % 130 %

Book value per common share $ 58.43 $ 58.82 $ 57.36

Tangible book value per common share – Non-GAAP (b)

$ 32.22 $ 32.81 $ 31.64

Common shares outstanding (in thousands)

672,898 678,504 688,236

(a) Regulatory capital and liquidity ratios for Sept. 30, 2026 are preliminary. For our CET1, Tier 1 capital and Total capital ratios, our effective capital ratios under the U.S. capital rules are the lower of the ratios as calculated under the Standardized and Advanced Approaches, which for the periods presented, was the Standardized Approach.

(b) Tangible book value per common share – Non-GAAP excludes goodwill and intangible assets, net of deferred tax liabilities. See “Explanation of GAAP and Non-GAAP financial measures” beginning on page 9 for information on this Non-GAAP measure.

•CET1 capital of $21.0 billion decreased compared with June 30, 2026, primarily reflecting capital returned through common stock repurchases and dividends and a decline in accumulated other comprehensive income, partially offset by capital generated through earnings. The CET1 ratio decreased compared with June 30, 2026, primarily reflecting the decrease in capital, partially offset by lower risk-weighted assets.

•Tier 1 capital of $25.2 billion decreased compared with June 30, 2026, primarily reflecting capital returned through common stock repurchases and dividends, a decline in accumulated other comprehensive income and a preferred stock redemption, net of an issuance, partially offset by capital generated through earnings. The Tier 1 leverage ratio decreased compared with June 30, 2026, primarily reflecting the decrease in capital.

NET INTEREST INCOME

Net interest income 3Q26 vs.

(dollars in millions; not meaningful - N/M) 3Q26 2Q26 3Q25 2Q26 3Q25

Net interest income $ 1,423 $ 1,446 $ 1,236 (2)% 15%

Add: Tax equivalent adjustment 1 — — N/M N/M

Net interest income, on a fully taxable equivalent (“FTE”) basis – Non-GAAP (a)

$ 1,424 $ 1,446 $ 1,236 (2)% 15%

Average interest-earning assets $ 396,504 $ 397,635 $ 374,493 —% 6%

Net interest margin 1.43 % 1.45 % 1.31 % (2) bps 12 bps

Net interest margin (FTE) – Non-GAAP (a)

1.43 % 1.45 % 1.31 % (2) bps 12 bps

(a) Net interest income (FTE) – Non-GAAP and net interest margin (FTE) – Non-GAAP include the tax equivalent adjustments on tax-exempt income. See “Explanation of GAAP and Non-GAAP financial measures” beginning on page 9 for information on this Non-GAAP measure.

bps – basis points.

•Net interest income increased year-over-year primarily reflecting the reinvestment of investment securities at higher yields and balance sheet growth, partially offset by deposit margin compression.

•Sequentially, net interest income decreased primarily reflecting lower deposit balances, partially offset by the reinvestment of investment securities at higher yields.

BNY 3Q26 Financial Results

THE BANK OF NEW YORK MELLON CORPORATION

Condensed Consolidated Income Statement

(dollars in millions) Quarter ended Year-to-date

Sept. 30, 2026 June 30, 2026 Sept. 30, 2025 Sept. 30, 2026 Sept. 30, 2025

Fee and other revenue

Investment services fees $ 2,973 $ 2,909 $ 2,585 $ 8,534 $ 7,579

Investment management and performance fees 803 796 782 2,384 2,279

Foreign exchange revenue 198 229 166 659 535

Financing-related fees 66 64 67 192 178

Distribution and servicing fees 38 38 37 113 110

Total fee revenue 4,078 4,036 3,637 11,882 10,681

Investment and other revenue 175 216 208 662 622

Total fee and other revenue 4,253 4,252 3,845 12,544 11,303

Net interest income

Interest income 5,698 5,940 6,594 17,462 19,319

Interest expense 4,275 4,494 5,358 13,223 15,721

Net interest income 1,423 1,446 1,236 4,239 3,598

Total revenue 5,676 5,698 5,081 16,783 14,901

Provision for credit losses 1 (8) (7) (14) (6)

Noninterest expense

Staff 1,805 1,785 1,745 5,478 5,347

Software and equipment 593 569 542 1,718 1,582

Professional, legal and other purchased services 474 441 404 1,303 1,158

Sub-custodian and clearing 168 162 141 481 422

Net occupancy 141 143 140 407 408

Distribution and servicing 78 76 68 227 196

Business development 58 68 45 176 146

Bank assessment charges 27 32 6 83 66

Amortization of intangible assets 9 10 12 28 34

Other 136 153 133 427 335

Total noninterest expense 3,489 3,439 3,236 10,328 9,694

Income

Income before taxes 2,186 2,267 1,852 6,469 5,213

Provision for income taxes 499 475 395 1,360 1,099

Net income 1,687 1,792 1,457 5,109 4,114

Net (income) loss attributable to noncontrolling interests related to consolidated investment management funds 3 (31) (12) (26) (26)

Net income applicable to shareholders of The Bank of New York Mellon Corporation 1,690 1,761 1,445 5,083 4,088

Preferred stock dividends (82) (65) (106) (217) (209)

Net income applicable to common shareholders of The Bank of New York Mellon Corporation $ 1,608 $ 1,696 $ 1,339 $ 4,866 $ 3,879

Earnings per share applicable to the common shareholders of The Bank of New York Mellon Corporation Quarter ended Year-to-date

Sept. 30, 2026 June 30, 2026 Sept. 30, 2025 Sept. 30, 2026 Sept. 30, 2025

(in dollars)

Basic $ 2.37 $ 2.47 $ 1.90 $ 7.09 $ 5.43

Diluted $ 2.34 $ 2.45 $ 1.88 $ 7.02 $ 5.39

BNY 3Q26 Financial Results

EXPLANATION OF GAAP AND NON-GAAP FINANCIAL MEASURES

BNY has included in this Earnings Release certain Non-GAAP financial measures on a tangible basis as a supplement to GAAP information, which exclude goodwill and intangible assets, net of deferred tax liabilities. We believe that the return on tangible common equity – Non-GAAP is additional useful information for investors because it presents a measure of those assets that can generate income, and the tangible book value per common share – Non-GAAP is additional useful information because it presents the level of tangible assets in relation to shares of common stock outstanding.

Net interest income, on a fully taxable equivalent (“FTE”) basis – Non-GAAP and net interest margin (FTE) – Non-GAAP and other FTE measures include the tax equivalent adjustments on tax-exempt income which allows for the comparison of amounts arising from both taxable and tax-exempt sources and is consistent with industry practice. The adjustment to an FTE basis has no impact on net income.

See “Explanation of GAAP and Non-GAAP Financial Measures” in the Financial Supplement available at www.bny.com for additional reconciliations of Non-GAAP measures.

BNY has also included revenue measures excluding notable items, including disposal gains. Expense measures, excluding notable items, including severance expense, litigation reserves and the FDIC special assessment are also presented. Litigation reserves represent accruals for loss contingencies that are both probable and reasonably estimable, but exclude standard business-related legal fees. Income before taxes, net income applicable to common shareholders of The Bank of New York Mellon Corporation, diluted earnings per share, operating leverage, return on common equity, return on tangible common equity and pre-tax operating margin, excluding the notable items mentioned above, are also provided. These measures are provided to permit investors to view the financial measures on a basis consistent with how management views the businesses.

Reconciliation of Non-GAAP measures, excluding notable items 3Q26 vs.

(dollars in millions, except per share amounts) 3Q26 2Q26 3Q25 2Q26 3Q25

Total revenue – GAAP $ 5,676 $ 5,698 $ 5,081 — % 12 %

Less: Disposal gains (losses) (a)

— — 12

Adjusted total revenue – Non-GAAP $ 5,676 $ 5,698 $ 5,069 — % 12 %

Total noninterest expense – GAAP $ 3,489 $ 3,439 $ 3,236 1 % 8 %

Less: Severance expense (b)

23 6 50

Litigation reserves (b)

(1) 2 3

FDIC special assessment (b)

— — (14)

Adjusted total noninterest expense – Non-GAAP $ 3,467 $ 3,431 $ 3,197 1 % 8 %

Net income applicable to common shareholders of The Bank of New York Mellon Corporation – GAAP $ 1,608 $ 1,696 $ 1,339 (5)% 20 %

Less: Disposal gains (losses) (a)

— — 9

Severance expense (b)

(18) (5) (39)

Litigation reserves (b)

1 (2) (2)

FDIC special assessment (b)

— — 11

Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation – Non-GAAP $ 1,625 $ 1,703 $ 1,360 (5)% 19 %

Diluted earnings per common share – GAAP $ 2.34 $ 2.45 $ 1.88 (4)% 24 %

Less: Disposal gains (losses) (a)

— — 0.01

Severance expense (b)

(0.03) (0.01) (0.05)

Litigation reserves (b)

— — —

FDIC special assessment (b)

— — 0.01

Total diluted earnings per common share impact of notable items (0.03) (0.01) (0.03)

Adjusted diluted earnings per common share – Non-GAAP $ 2.37 $ 2.46 $ 1.91 (4)% 24 %

Operating leverage – GAAP (c)

(184) bps 389 bps

Adjusted operating leverage – Non-GAAP (c)

(144) bps 353 bps

(a) Reflected in Investment and other revenue.

(b) Severance expense is reflected in Staff expense, Litigation reserves in Other expense and FDIC special assessment in Bank assessment charges, respectively.

(c) Operating leverage is the rate of increase (decrease) in total revenue less the rate of increase (decrease) in total noninterest expense.

bps - basis points.

BNY 3Q26 Financial Results

Pre-tax operating margin reconciliation

(dollars in millions) 3Q26 2Q26 3Q25

Income before taxes – GAAP $ 2,186 $ 2,267 $ 1,852

Less: Impact of notable items (a)

(22) (8) (27)

Adjusted income before taxes, excluding notable items – Non-GAAP $ 2,208 $ 2,275 $ 1,879

Total revenue – GAAP $ 5,676 $ 5,698 $ 5,081

Impact of notable items (a)

— — 12

Adjusted total revenue, excluding notable items – Non-GAAP $ 5,676 $ 5,698 $ 5,069

Pre-tax operating margin – GAAP (b)

38.5 % 39.8 % 36.4 %

Adjusted pre-tax operating margin – Non-GAAP (b)

38.9 % 39.9 % 37.1 %

(a) See page 9 for details of notable items and line items impacted.

(b) Income before taxes divided by total revenue.

Return on common equity and return on tangible common equity reconciliation

(dollars in millions) 3Q26 2Q26 3Q25

Net income applicable to common shareholders of The Bank of New York Mellon Corporation – GAAP $ 1,608 $ 1,696 $ 1,339

Add: Amortization of intangible assets 9 10 12

Less: Tax impact of amortization of intangible assets 2 3 3

Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding amortization of intangible assets – Non-GAAP $ 1,615 $ 1,703 $ 1,348

Impact of notable items (a)

(17) (7) (21)

Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding amortization of intangible assets and notable items – Non-GAAP $ 1,632 $ 1,710 $ 1,369

Average common shareholders’ equity $ 39,756 $ 39,535 $ 38,626

Less: Average goodwill 16,764 16,768 16,787

Average intangible assets 2,802 2,809 2,842

Add: Deferred tax liability – tax deductible goodwill 1,225 1,225 1,236

Deferred tax liability – intangible assets 657 659 665

Average tangible common shareholders’ equity – Non-GAAP $ 22,072 $ 21,842 $ 20,898

Return on common equity – GAAP (b)

16.0 % 17.2 % 13.7 %

Adjusted return on common equity – Non-GAAP (b)

16.2 % 17.3 % 14.0 %

Return on tangible common equity – Non-GAAP (b)

29.0 % 31.3 % 25.6 %

Adjusted return on tangible common equity – Non-GAAP (b)

29.3 % 31.4 % 26.0 %

(a) See page 9 for details of notable items and line items impacted.

(b) Returns are annualized.

CAUTIONARY STATEMENT ON FORWARD-LOOKING STATEMENTS

A number of statements in this Earnings Release and in our Financial Supplement may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about our strategic priorities, financial performance and financial targets. Preliminary business metrics and regulatory capital ratios are subject to change, possibly materially, as we complete our Quarterly Report on Form 10-Q for the quarter ended Sept. 30, 2026. Forward-looking statements are not guarantees of future results or occurrences, are inherently uncertain and are based upon current beliefs and expectations of future events, many of which are, by their nature, difficult to predict, outside of our control and subject to change.

By identifying these statements for you in this manner, we are alerting you to the possibility that our actual results may differ, possibly materially, from the anticipated results expressed or implied in these forward-looking statements as a result of a number of important factors, including the risk factors and other uncertainties set forth in our Annual Report on Form 10-K for the year ended Dec. 31, 2025 and our other filings with the Securities and Exchange Commission.

You should not place undue reliance on any forward-looking statement. All forward-looking statements speak only as of the date on which they were made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after such date or to reflect the occurrence of unanticipated events.

BNY 3Q26 Financial Results

ABOUT BNY

BNY is a global financial services platforms company at the heart of the world’s capital markets. For more than 240 years BNY has partnered alongside clients, using its expertise and platforms to help them operate more efficiently and accelerate growth. Today BNY serves over 90% of Fortune 100 companies and nearly all the top 100 banks globally. 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. As of Sept. 30, 2026, BNY oversees $63.4 trillion in assets under custody and/or administration and $2.2 trillion in assets under management.

BNY is the corporate brand of The Bank of New York Mellon Corporation (NYSE: BNY). 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. Follow on LinkedIn or visit the BNY Newsroom for the latest company news.

CONFERENCE CALL INFORMATION

Robin Vince, Chief Executive Officer, and Dermot McDonogh, Chief Financial Officer, will host a conference call and simultaneous live audio webcast at 11:00 a.m. ET on Oct. 15, 2026. This conference call and audio webcast will include forward-looking statements and may include other material information.

Investors and analysts wishing to access the conference call and audio webcast may do so by dialing +1 800 330-6730 (U.S.) or

+1 646 769-9500 (International), and using the passcode: 200200, or by logging onto www.bny.com/investorrelations. Earnings materials will be available at www.bny.com/investorrelations beginning at approximately 6:30 a.m. ET on Oct. 15, 2026.

An archived version of the third quarter conference call and audio webcast will be available beginning on Oct. 15, 2026 at approximately 3:00 p.m. ET through Nov. 14, 2026 at www.bny.com/investorrelations.

EX-99.2 — FINANCIAL SUPPLEMENT

EX-99.2

Filename: ex992_financialsupplementx.htm · Sequence: 3

Document

The Bank of New York Mellon Corporation

Financial Supplement

Third Quarter 2026

Table of Contents

Consolidated Results Page

Consolidated Financial Highlights

Condensed Consolidated Income Statement

Earnings Per Share and Related Information

Condensed Consolidated Balance Sheet

Fee and Other Revenue

Average Balances and Interest Rates

Capital and Liquidity

Business Segment Results

Securities Services Business Segment

Market and Wealth Services Business Segment

Investment and Wealth Management Business Segment

AUM by Product Type, Changes in AUM and Wealth Management Client Assets

Other Segment

Other

Investment Securities Portfolio

Allowance for Credit Losses and Nonperforming Assets

Supplemental Information

Explanation of GAAP and Non-GAAP Financial Measures

THE BANK OF NEW YORK MELLON CORPORATION

CONSOLIDATED FINANCIAL HIGHLIGHTS

(dollars in millions, except per common share amounts, or unless otherwise noted) 3Q26 vs. YTD26 vs.

3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Selected income statement data

Fee and other revenue $ 4,253 $ 4,252 $ 4,039 $ 3,833 $ 3,845 — % 11 % $ 12,544 $ 11,303 11 %

Net interest income 1,423 1,446 1,370 1,346 1,236 (2) 15 4,239 3,598 18

Total revenue 5,676 5,698 5,409 5,179 5,081 — 12 16,783 14,901 13

Provision for credit losses 1 (8) (7) (26) (7) N/M N/M (14) (6) N/M

Noninterest expense 3,489 3,439 3,400 3,360 3,236 1 8 10,328 9,694 7

Income before income taxes 2,186 2,267 2,016 1,845 1,852 (4) 18 6,469 5,213 24

Provision for income taxes 499 475 386 376 395 5 26 1,360 1,099 24

Net income $ 1,687 $ 1,792 $ 1,630 $ 1,469 $ 1,457 (6) % 16 % $ 5,109 $ 4,114 24 %

Net income applicable to common shareholders of The Bank of New York Mellon Corporation $ 1,608 $ 1,696 $ 1,562 $ 1,427 $ 1,339 (5) % 20 % $ 4,866 $ 3,879 25 %

Diluted earnings per common share $ 2.34 $ 2.45 $ 2.24 $ 2.02 $ 1.88 (4) % 24 % $ 7.02 $ 5.39 30 %

Average common shares and equivalents outstanding – diluted (in thousands)

686,913 692,223 698,164 705,140 712,854 (1) % (4) % 693,005 720,344 (4) %

Financial ratios (Returns are annualized)

Pre-tax operating margin 38.5 % 39.8 % 37.3 % 35.6 % 36.4 % 38.5 % 35.0 %

Return on common equity 16.0 % 17.2 % 16.1 % 14.5 % 13.7 % 16.4 % 13.7 %

Return on tangible common equity – Non-GAAP (a)

29.0 % 31.3 % 29.3 % 26.6 % 25.6 % 29.9 % 25.9 %

Non-U.S. revenue as a percentage of total revenue 36 % 37 % 36 % 36 % 35 % 36 % 35 %

Period end

Assets under custody and/or administration (“AUC/A”) (in trillions) (b)(c)

$ 63.4 $ 62.6 $ 59.4 $ 59.3 $ 57.8 1 % 10 %

Assets under management (“AUM”) (in trillions) (b)

$ 2.2 $ 2.2 $ 2.1 $ 2.2 $ 2.1 (2) % 2 %

Full-time employees 46,600 46,500 47,200 48,100 49,200 — % (5) %

Book value per common share $ 58.43 $ 58.82 $ 57.48 $ 57.36 $ 55.99

Tangible book value per common share – Non-GAAP (a)

$ 32.22 $ 32.81 $ 31.75 $ 31.64 $ 30.60

Cash dividends per common share $ 0.63 $ 0.53 $ 0.53 $ 0.53 $ 0.53

Common dividend payout ratio 27 % 22 % 24 % 26 % 28 %

Closing stock price per common share $ 144.63 $ 144.61 $ 118.63 $ 116.09 $ 108.96

Market capitalization $ 97,321 $ 98,118 $ 81,425 $ 79,897 $ 75,983

Common shares outstanding (in thousands)

672,898 678,504 686,379 688,236 697,349

Capital ratios at period end (d)

Common Equity Tier 1 (“CET1”) ratio 10.9 % 11.0 % 11.0 % 11.9 % 11.7 %

Tier 1 capital ratio 13.1 % 13.4 % 13.8 % 14.6 % 14.4 %

Total capital ratio 13.8 % 14.2 % 14.6 % 15.4 % 15.3 %

Tier 1 leverage ratio 5.7 % 5.9 % 6.0 % 6.0 % 6.1 %

Supplementary leverage ratio (“SLR”) 6.0 % 6.3 % 6.6 % 6.7 % 6.7 %

(a) Non-GAAP information, for all periods presented, excludes goodwill and intangible assets, net of deferred tax liabilities. See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 19 for the reconciliation of Non-GAAP measures.

(b) Sept. 30, 2026 information is preliminary.

(c) Includes the AUC/A of CIBC Mellon Trust Company (“CIBC Mellon”), a joint venture with the Canadian Imperial Bank of Commerce, of $2.3 trillion at Sept. 30, 2026, $2.2 trillion at June 30, 2026, $2.1 trillion at March 31, 2026, $2.2 trillion at Dec. 31, 2025 and $2.1 trillion at Sept. 30, 2025.

(d) Regulatory capital ratios for Sept. 30, 2026 are preliminary. For our CET1, Tier 1 capital and Total capital ratios, our effective capital ratios under the U.S. capital rules are the lower of the ratios as calculated under the Standardized and Advanced Approaches, which for the periods presented, was the Standardized Approach.

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

CONDENSED CONSOLIDATED INCOME STATEMENT

(dollars in millions) 3Q26 vs. YTD26 vs.

3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Revenue

Investment services fees $ 2,973 $ 2,909 $ 2,652 $ 2,632 $ 2,585 2 % 15 % $ 8,534 $ 7,579 13 %

Investment management and performance fees 803 796 785 806 782 1 3 2,384 2,279 5

Foreign exchange revenue 198 229 232 171 166 (14) 19 659 535 23

Financing-related fees 66 64 62 53 67 3 (1) 192 178 8

Distribution and servicing fees 38 38 37 36 37 — 3 113 110 3

Total fee revenue 4,078 4,036 3,768 3,698 3,637 1 12 11,882 10,681 11

Investment and other revenue 175 216 271 135 208 N/M N/M 662 622 N/M

Total fee and other revenue 4,253 4,252 4,039 3,833 3,845 — 11 12,544 11,303 11

Net interest income 1,423 1,446 1,370 1,346 1,236 (2) 15 4,239 3,598 18

Total revenue 5,676 5,698 5,409 5,179 5,081 — 12 16,783 14,901 13

Provision for credit losses 1 (8) (7) (26) (7) N/M N/M (14) (6) N/M

Noninterest expense

Staff 1,805 1,785 1,888 1,812 1,745 1 3 5,478 5,347 2

Software and equipment 593 569 556 565 542 4 9 1,718 1,582 9

Professional, legal and other purchased services 474 441 388 429 404 7 17 1,303 1,158 13

Sub-custodian and clearing 168 162 151 139 141 4 19 481 422 14

Net occupancy 141 143 123 143 140 (1) 1 407 408 —

Distribution and servicing 78 76 73 73 68 3 15 227 196 16

Business development 58 68 50 71 45 (15) 29 176 146 21

Bank assessment charges 27 32 24 (22) 6 N/M N/M 83 66 N/M

Amortization of intangible assets 9 10 9 11 12 (10) (25) 28 34 (18)

Other 136 153 138 139 133 (11) 2 427 335 27

Total noninterest expense 3,489 3,439 3,400 3,360 3,236 1 8 10,328 9,694 7

Income before income taxes 2,186 2,267 2,016 1,845 1,852 (4) 18 6,469 5,213 24

Provision for income taxes 499 475 386 376 395 5 26 1,360 1,099 24

Net income 1,687 1,792 1,630 1,469 1,457 (6) 16 5,109 4,114 24

Net (income) loss attributable to noncontrolling interests 3 (31) 2 (8) (12) N/M N/M (26) (26) N/M

Preferred stock dividends (82) (65) (70) (34) (106) N/M N/M (217) (209) N/M

Net income applicable to common shareholders of The Bank of New York Mellon Corporation $ 1,608 $ 1,696 $ 1,562 $ 1,427 $ 1,339 (5) % 20 % $ 4,866 $ 3,879 25 %

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

EARNINGS PER SHARE AND RELATED INFORMATION

(dollars in millions, except per share amounts; common shares in thousands) 3Q26 vs. YTD26 vs.

3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Basic earnings per share

Net income applicable to common shareholders of The Bank of New York Mellon Corporation $ 1,608 $ 1,696 $ 1,562 $ 1,427 $ 1,339 (5) % 20 % $ 4,866 $ 3,879 25 %

Average basic common shares outstanding 679,490 686,125 691,178 697,540 705,873 (1) % (4) % 685,825 714,135 (4) %

Basic earnings per share $ 2.37 $ 2.47 $ 2.26 $ 2.04 $ 1.90 (4) % 25 % $ 7.09 $ 5.43 31 %

Diluted earnings per share

Net income applicable to common shareholders of The Bank of New York Mellon Corporation $ 1,608 $ 1,696 $ 1,562 $ 1,427 $ 1,339 (5) % 20 % $ 4,866 $ 3,879 25 %

Average basic common shares outstanding 679,490 686,125 691,178 697,540 705,873 (1) % (4) % 685,825 714,135 (4) %

Add: Dilutive impact of unvested performance share units and restricted stock units 7,423 6,098 6,986 7,600 6,981 22 % 6 % 7,180 6,209 16 %

Average diluted common shares and equivalents outstanding 686,913 692,223 698,164 705,140 712,854 (1) % (4) % 693,005 720,344 (4) %

Diluted earnings per share $ 2.34 $ 2.45 $ 2.24 $ 2.02 $ 1.88 (4) % 24 % $ 7.02 $ 5.39 30 %

Common dividends

Cash dividends per common share $ 0.63 $ 0.53 $ 0.53 $ 0.53 $ 0.53 19 % 19 % $ 1.69 $ 1.47 15 %

Total common stock dividends (a)

$ 436 $ 371 $ 376 $ 377 $ 381 18 % 14 % $ 1,183 $ 1,070 11 %

Common dividend payout ratio (b)

27 % 22 % 24 % 26 % 28 % 24 % 28 %

Common share repurchases (c)

Total common shares repurchased 5,839 8,016 8,257 9,450 8,276 (27) % (29) % 22,112 27,327 (19) %

Average price paid per share of common stock $ 160.51 $ 137.62 $ 119.06 $ 110.54 $ 102.53 17 % 57 % $ 136.73 $ 91.13 50 %

Total common share repurchases $ 937 $ 1,103 $ 983 $ 1,045 $ 849 (15) % 10 % 3,023 2,490 21 %

Total capital returned to common shareholders $ 1,373 $ 1,474 $ 1,359 $ 1,422 $ 1,230 (7) % 12 % $ 4,206 $ 3,560 18 %

Total payout ratio (b)

85 % 87 % 87 % 100 % 92 % 86 % 92 %

Employee issuance

Shares issued related to employee stock-based compensation awards and employee benefit plans 233 141 6,400 337 384 N/M N/M 6,774 6,996 (3) %

(a) Includes dividend equivalents on share-based awards.

(b) The common dividend payout ratio is based on total common stock dividends. The total payout ratio is based on the total capital returned to common shareholders, which includes total common stock dividends and common shares repurchased.

(c) Includes shares repurchased in the open market and shares repurchased in connection with employee benefit plans. In April 2024, we announced a share repurchase authorization providing for the repurchase of $6.0 billion of common shares. In April 2026, we announced a new share repurchase authorization providing for the repurchase of $10.0 billion of common shares in addition to any remaining capacity under the existing April 2024 authorization.

N/M - Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

CONDENSED CONSOLIDATED BALANCE SHEET

2026 2025

(dollars in millions) Sept. 30 June 30

March 31 (a)

Dec. 31 Sept. 30

Assets

Cash and due from banks $ 6,736 $ 7,483 $ 6,390 $ 5,111 $ 5,055

Interest-bearing deposits with the Federal Reserve and other central banks 110,488 139,400 170,202 116,009 106,368

Interest-bearing deposits with banks 11,160 12,276 13,544 10,397 11,027

Federal funds sold and securities purchased under resale agreements 50,833 48,937 43,660 44,892 41,863

Investment securities 151,984 155,656 155,615 150,200 149,528

Trading assets 18,776 16,836 16,488 14,276 13,625

Loans 89,163 88,741 101,261 80,615 75,195

Allowance for loan losses (220) (222) (237) (245) (272)

Net loans

88,943 88,519 101,024 80,370 74,923

Premises and equipment 4,123 3,910 3,796 3,581 3,549

Accrued interest receivable 1,475 1,473 1,402 1,435 1,426

Goodwill 16,728 16,731 16,734 16,767 16,773

Intangible assets 2,791 2,800 2,809 2,822 2,834

Other assets 29,947 30,998 29,853 26,440 28,341

Total assets

$ 493,984 $ 525,019 $ 561,517 $ 472,300 $ 455,312

Liabilities

Deposits $ 335,446 $ 370,541 $ 417,080 $ 331,894 $ 314,697

Federal funds purchased and securities sold under repurchase agreements 25,106 26,114 19,506 18,992 16,585

Trading liabilities 6,854 5,299 4,747 6,135 3,499

Payables to customers and broker-dealers 23,270 25,734 24,754 21,872 23,638

Commercial paper 6,845 4,816 1,002 2,003 2,364

Other borrowed funds 1,005 401 175 422 283

Accrued taxes and other expenses 5,045 4,906 4,449 5,544 4,920

Other liabilities 12,971 11,492 11,903 8,757 12,678

Long-term debt 33,308 30,368 32,582 31,873 32,287

Total liabilities

449,850 479,671 516,198 427,492 410,951

Temporary equity

Redeemable noncontrolling interests 92 84 81 87 111

Permanent equity

Preferred stock 4,259 4,754 5,331 4,836 4,836

Common stock 14 14 14 14 14

Additional paid-in capital 30,485 30,348 30,142 29,907 29,795

Retained earnings 50,079 48,907 47,582 46,396 45,346

Accumulated other comprehensive loss, net of tax (4,412) (3,455) (3,496) (3,035) (3,362)

Less: Treasury stock, at cost

(36,850) (35,904) (34,790) (33,805) (32,750)

Total The Bank of New York Mellon Corporation shareholders’ equity 43,575 44,664 44,783 44,313 43,879

Nonredeemable noncontrolling interests of consolidated investment management funds

467 600 455 408 371

Total permanent equity

44,042 45,264 45,238 44,721 44,250

Total liabilities, temporary equity and permanent equity

$ 493,984 $ 525,019 $ 561,517 $ 472,300 $ 455,312

(a) The spot balance sheet on March 31, 2026, was temporarily elevated reflecting a single-day increase in deposits, interest-bearing deposits with the Federal Reserve and other central banks and overnight loans as a result of delayed processing of certain payments.

THE BANK OF NEW YORK MELLON CORPORATION

FEE AND OTHER REVENUE

3Q26 vs. YTD26 vs.

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Investment services fees $ 2,973 $ 2,909 $ 2,652 $ 2,632 $ 2,585 2 % 15 % $ 8,534 $ 7,579 13 %

Investment management and performance fees:

Investment management fees (a)

801 793 784 792 776 1 3 2,378 2,258 5

Performance fees 2 3 1 14 6 N/M N/M 6 21 N/M

Total investment management and performance fees (b)

803 796 785 806 782 1 3 2,384 2,279 5

Foreign exchange revenue 198 229 232 171 166 (14) 19 659 535 23

Financing-related fees 66 64 62 53 67 3 (1) 192 178 8

Distribution and servicing fees 38 38 37 36 37 — 3 113 110 3

Total fee revenue 4,078 4,036 3,768 3,698 3,637 1 12 11,882 10,681 11

Investment and other revenue:

Income (loss) from consolidated investment management funds (5) 60 (6) 19 23 N/M N/M 49 64 N/M

Seed capital gains (losses) (c)

2 12 (3) 4 8 N/M N/M 11 10 N/M

Other trading revenue 72 59 94 76 73 N/M N/M 225 203 N/M

Renewable energy investment gains 12 11 44 6 19 N/M N/M 67 49 N/M

Corporate/bank-owned life insurance 48 43 48 51 41 N/M N/M 139 114 N/M

Other investments gains (losses) (d)

25 19 108 (43) 7 N/M N/M 152 57 N/M

Disposal gains (losses) — — — — 12 N/M N/M — 52 N/M

Expense reimbursements from joint venture 41 31 32 35 36 N/M N/M 104 101 N/M

Other income 5 6 4 2 19 N/M N/M 15 37 N/M

Net investment securities gains (losses) (25) (25) (50) (15) (30) N/M N/M (100) (65) N/M

Total investment and other revenue 175 216 271 135 208 N/M N/M 662 622 N/M

Total fee and other revenue $ 4,253 $ 4,252 $ 4,039 $ 3,833 $ 3,845 — % 11 % $ 12,544 $ 11,303 11 %

(a) Excludes seed capital gains (losses) related to consolidated investment management funds.

(b) On a constant currency basis, investment management and performance fees increased 3% (Non-GAAP) compared with 3Q25. See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 19 for the reconciliation of this Non-GAAP measure.

(d) Includes strategic equity, private equity and other investments.

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

AVERAGE BALANCES AND INTEREST RATES

3Q26 2Q26 1Q26 4Q25 3Q25

Average balance Average rate Average balance Average rate Average balance Average rate Average balance Average rate Average balance Average rate

(dollars in millions; average rates are annualized)

Assets

Interest-earning assets:

Interest-bearing deposits with the Federal Reserve and other central banks $ 87,820 3.26 % $ 89,954 3.17 % $ 97,886 3.19 % $ 97,489 3.38 % $ 94,533 3.69 %

Interest-bearing deposits with banks 11,789 2.43 12,657 2.49 12,049 2.30 11,440 2.53 10,980 2.97

Federal funds sold and securities purchased under resale agreements 46,756 19.11 (a) 45,056 23.13 (a) 42,848 24.29 (a) 43,363 26.99 (a) 40,885 30.66 (a)

Investment securities:

U.S. government obligations 35,930 3.68 36,407 3.59 34,521 3.50 33,726 3.49 31,754 3.59

U.S. government agency obligations 64,244 3.54 65,096 3.43 63,975 3.29 61,578 3.29 61,174 3.40

Other securities 54,278 3.66 54,853 3.50 55,405 3.45 55,119 3.54 54,986 3.61

Total investment securities 154,452 3.61 156,356 3.49 153,901 3.39 150,423 3.43 147,914 3.52

Trading securities (b)

8,896 4.47 8,025 4.51 8,568 4.26 7,896 4.82 7,489 5.02

Loans 86,791 5.22 85,587 5.10 81,058 5.09 76,678 5.46 72,692 5.80

Total interest-earning assets (b)

$ 396,504 5.70 % $ 397,635 5.98 % $ 396,310 5.94 % $ 387,289 6.46 % $ 374,493 6.98 %

Noninterest-earning assets 67,545 67,135 65,618 63,924 62,998

Total assets $ 464,049 $ 464,770 $ 461,928 $ 451,213 $ 437,491

Liabilities and equity

Interest-bearing liabilities:

Interest-bearing deposits $ 257,886 2.43 % $ 259,221 2.33 % $ 263,497 2.39 % $ 258,640 2.58 % $ 248,016 2.90 %

Federal funds purchased and securities sold under repurchase agreements 25,806 30.97 (a) 28,629 33.52 (a) 19,457 47.90 (a) 18,105 57.66 (a) 16,242 69.11 (a)

Trading liabilities 3,562 4.06 2,271 4.47 2,565 4.17 2,839 4.03 3,333 4.40

Payables to customers and broker-dealers 18,283 4.02 17,957 3.72 17,636 3.47 16,764 4.02 16,434 4.34

Commercial paper 5,249 4.09 1,772 4.13 1,945 3.97 2,310 4.32 3,268 4.63

Other borrowed funds 360 4.59 415 4.24 325 5.01 339 4.57 243 4.63

Long-term debt 31,909 4.95 31,029 4.88 32,542 4.93 32,135 5.09 32,503 5.53

Total interest-bearing liabilities $ 343,055 4.94 % $ 341,294 5.28 % $ 337,967 5.34 % $ 331,132 5.94 % $ 320,039 6.64 %

Total noninterest-bearing deposits 53,189 54,815 54,949 51,842 51,310

Other noninterest-bearing liabilities 22,546 23,330 24,116 23,858 21,674

Total The Bank of New York Mellon Corporation shareholders’ equity 44,779 44,809 44,432 43,978 43,974

Noncontrolling interests 480 522 464 403 494

Total liabilities and equity $ 464,049 $ 464,770 $ 461,928 $ 451,213 $ 437,491

Net interest margin 1.43 % 1.45 % 1.38 % 1.38 % 1.31 %

Net interest margin (FTE) – Non-GAAP (c)

1.43 % 1.45 % 1.38 % 1.38 % 1.31 %

(a) Includes the average impact of offsetting under enforceable netting agreements of approximately $190 billion for 3Q26, $234 billion for 2Q26, $233 billion for 1Q26, $242 billion for 4Q25 and $241 billion for 3Q25. On a Non-GAAP basis, excluding the impact of offsetting, the yield on federal funds sold and securities purchased under resale agreements would have been 3.78% for 3Q26, 3.74% for 2Q26, 3.78% for 1Q26, 4.11% for 4Q25 and 4.45% for 3Q25. On a Non-GAAP basis, excluding the impact of offsetting, the rate on federal funds purchased and securities sold under repurchase agreements would have been 3.70% for 3Q26, 3.66% for 2Q26, 3.70% for 1Q26, 4.02% for 4Q25 and 4.36% for 3Q25. We believe providing the rates excluding the impact of netting is useful to investors as it is more reflective of the actual rates earned and paid.

(b) Average rates were calculated on an FTE basis, at tax rates of approximately 21%.

(c) See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 19 for the reconciliation of this Non-GAAP measure.

THE BANK OF NEW YORK MELLON CORPORATION

CAPITAL AND LIQUIDITY

2026 2025

(dollars in millions) Sept. 30 June 30 March 31 Dec. 31 Sept. 30

Consolidated regulatory capital ratios: (a)

Standardized Approach:

CET1 capital $ 20,967 $ 21,564 $ 21,108 $ 21,086 $ 20,645

Tier 1 capital 25,217 26,311 26,435 25,909 25,471

Total capital 26,547 27,792 27,927 27,390 27,079

Risk-weighted assets 191,765 196,108 191,849 177,677 176,432

CET1 ratio 10.9 % 11.0 % 11.0 % 11.9 % 11.7 %

Tier 1 capital ratio 13.1 13.4 13.8 14.6 14.4

Total capital ratio 13.8 14.2 14.6 15.4 15.3

Advanced Approaches:

CET1 capital $ 20,967 $ 21,564 $ 21,108 $ 21,086 $ 20,645

Tier 1 capital 25,217 26,311 26,435 25,909 25,471

Total capital 26,207 27,453 27,580 27,046 26,734

Risk-weighted assets 175,578 174,050 166,468 162,418 168,841

CET1 ratio 11.9 % 12.4 % 12.7 % 13.0 % 12.2 %

Tier 1 capital ratio 14.4 15.1 15.9 16.0 15.1

Total capital ratio 14.9 15.8 16.6 16.7 15.8

Tier 1 leverage ratio: (a)

Average assets for Tier 1 leverage ratio $ 445,660 $ 446,398 $ 443,556 $ 432,803 $ 419,077

Tier 1 leverage ratio 5.7 % 5.9 % 6.0 % 6.0 % 6.1 %

SLR: (a)

Leverage exposure $ 420,786 $ 416,773 $ 402,251 $ 388,529 $ 377,728

SLR 6.0 % 6.3 % 6.6 % 6.7 % 6.7 %

Average liquidity coverage ratio (a)

111 % 111 % 111 % 112 % 112 %

Average net stable funding ratio (a)

129 % 130 % 131 % 130 % 130 %

THE BANK OF NEW YORK MELLON CORPORATION

SECURITIES SERVICES BUSINESS SEGMENT

3Q26 vs. YTD26 vs.

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Revenue:

Investment services fees:

Asset Servicing $ 1,264 $ 1,209 $ 1,170 $ 1,146 $ 1,129 5 % 12 % $ 3,643 $ 3,261 12 %

Issuer Services 449 463 278 331 313 (3) 43 1,190 956 24

Total investment services fees 1,713 1,672 1,448 1,477 1,442 2 19 4,833 4,217 15

Foreign exchange revenue 171 203 196 142 143 (16) 20 570 454 26

Other fees (a)

78 77 74 68 73 1 7 229 198 16

Total fee revenue 1,962 1,952 1,718 1,687 1,658 1 18 5,632 4,869 16

Investment and other revenue 93 94 203 62 119 N/M N/M 390 353 N/M

Total fee and other revenue 2,055 2,046 1,921 1,749 1,777 — 16 6,022 5,222 15

Net interest income 765 782 757 735 670 (2) 14 2,304 1,975 17

Total revenue 2,820 2,828 2,678 2,484 2,447 — 15 8,326 7,197 16

Provision for credit losses 4 (5) (11) (13) (3) N/M N/M (12) (8) N/M

Total noninterest expense 1,808 1,722 1,648 1,651 1,639 5 10 5,178 4,813 8

Income before income taxes $ 1,008 $ 1,111 $ 1,041 $ 846 $ 811 (9) % 24 % $ 3,160 $ 2,392 32 %

Total revenue by line of business:

Asset Servicing $ 2,130 $ 2,121 $ 2,170 $ 1,932 $ 1,903 — % 12 % $ 6,421 $ 5,535 16 %

Issuer Services 690 707 508 552 544 (2) 27 1,905 1,662 15

Total revenue by line of business $ 2,820 $ 2,828 $ 2,678 $ 2,484 $ 2,447 — % 15 % $ 8,326 $ 7,197 16 %

Financial ratios:

Pre-tax operating margin 35.8 % 39.3 % 38.9 % 34.1 % 33.1 % 38.0 % 33.2 %

Memo: Securities lending revenue (b)

$ 92 $ 78 $ 72 $ 69 $ 62 18 % 48 % $ 242 $ 170 42 %

(a) Other fees primarily include financing-related fees.

(b) Included in investment services fees reported in the Asset Servicing line of business.

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

SECURITIES SERVICES BUSINESS SEGMENT

3Q26 vs. YTD26 vs.

(dollars in millions, unless otherwise noted) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Selected balance sheet data:

Average loans $ 12,534 $ 13,180 $ 12,265 $ 11,439 $ 10,706 (5) % 17 % $ 12,661 $ 11,124 14 %

Average assets (a)

$ 214,879 $ 214,794 $ 218,500 $ 211,728 $ 201,965 — % 6 % $ 216,044 $ 200,843 8 %

Average deposits $ 191,647 $ 194,183 $ 197,789 $ 192,771 $ 183,070 (1) % 5 % $ 194,517 $ 181,608 7 %

Selected metrics:

AUC/A at period end (in trillions) (b)(c)

$ 45.9 $ 45.3 $ 42.7 $ 42.7 $ 41.5 1 % 11 %

Market value of securities on loan at period end (in billions) (d)

$ 630 $ 645 $ 629 $ 604 $ 554 (2) % 14 %

Issuer Services

Total debt serviced at period end (in trillions)

$ 15.4 $ 15.2 $ 15.0 $ 14.8 $ 14.5 1 % 6 %

Number of Depositary Receipts programs at period end 1,670 1,655 1,632 1,614 1,601 1 % 4 %

(a) In business segments where average deposits are greater than average loans, average assets include an allocation of investment securities equal to the difference.

(b) Sept. 30, 2026 information is preliminary.

(c) Consists of AUC/A primarily from the Asset Servicing line of business and, to a lesser extent, the Issuer Services line of business. Includes the AUC/A of CIBC Mellon of $2.3 trillion at Sept. 30, 2026, $2.2 trillion at June 30, 2026, $2.1 trillion at March 31, 2026, $2.2 trillion at Dec. 31, 2025 and $2.1 trillion at Sept. 30, 2025.

THE BANK OF NEW YORK MELLON CORPORATION

MARKET AND WEALTH SERVICES BUSINESS SEGMENT

3Q26 vs. YTD26 vs.

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Revenue:

Investment services fees:

Wealth Solutions $ 554 $ 551 $ 544 $ 518 $ 520 1 % 7 % $ 1,649 $ 1,560 6 %

Payments and Trade 232 224 220 212 214 4 8 676 632 7

Clearance and Collateral Management 464 453 430 417 398 2 17 1,347 1,145 18

Total investment services fees 1,250 1,228 1,194 1,147 1,132 2 10 3,672 3,337 10

Foreign exchange revenue 31 34 36 28 31 (9) — 101 90 12

Other fees (a)

72 71 70 65 70 1 3 213 198 8

Total fee revenue 1,353 1,333 1,300 1,240 1,233 2 10 3,986 3,625 10

Investment and other revenue 24 26 21 9 22 N/M N/M 71 79 N/M

Total fee and other revenue 1,377 1,359 1,321 1,249 1,255 1 10 4,057 3,704 10

Net interest income 607 611 571 569 524 (1) 16 1,789 1,527 17

Total revenue 1,984 1,970 1,892 1,818 1,779 1 12 5,846 5,231 12

Provision for credit losses 1 (2) (6) (7) (3) N/M N/M (7) (5) N/M

Total noninterest expense 963 948 937 951 912 2 6 2,848 2,705 5

Income before income taxes $ 1,020 $ 1,024 $ 961 $ 874 $ 870 — % 17 % $ 3,005 $ 2,531 19 %

Total revenue by line of business:

Wealth Solutions $ 813 $ 806 $ 783 $ 754 $ 741 1 % 10 % $ 2,402 $ 2,223 8 %

Payments and Trade 579 571 545 524 510 1 14 1,695 1,477 15

Clearance and Collateral Management 592 593 564 540 528 — 12 1,749 1,531 14

Total revenue by line of business $ 1,984 $ 1,970 $ 1,892 $ 1,818 $ 1,779 1 % 12 % $ 5,846 $ 5,231 12 %

Financial ratios:

Pre-tax operating margin 51.4 % 52.0 % 50.8 % 48.1 % 48.9 % 51.4 % 48.4 %

(a) Other fees primarily include financing-related fees.

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

MARKET AND WEALTH SERVICES BUSINESS SEGMENT

3Q26 vs. YTD26 vs.

(dollars in millions, unless otherwise noted) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Selected balance sheet data:

Average loans $ 57,671 $ 56,258 $ 52,921 $ 49,613 $ 46,278 3 % 25 % $ 55,634 $ 44,520 25 %

Average assets (a)

$ 151,049 $ 148,791 $ 147,689 $ 145,105 $ 137,592 2 % 10 % $ 149,189 $ 134,338 11 %

Average deposits $ 103,556 $ 102,606 $ 103,043 $ 101,776 $ 97,508 1 % 6 % $ 103,070 $ 95,350 8 %

Selected metrics:

AUC/A at period end (in trillions) (b)(c)

$ 17.1 $ 16.9 $ 16.5 $ 16.2 $ 16.0 1 % 7 %

Wealth Solutions

AUC/A at period end (in trillions) (b)

$ 3.6 $ 3.6 $ 3.3 $ 3.3 $ 3.2 — % 13 %

Net new assets (U.S. platform) (in billions) (d)

$ 48 $ 25 $ 22 $ 51 $ 3 N/M N/M

Daily average revenue trades (“DARTs”) (U.S. platform) (in thousands)

299 391 352 285 269 (24) % 11 %

Average active clearing accounts (in thousands)

8,832 8,730 8,601 8,487 8,387 1 % 5 %

Payments and Trade

Average daily U.S. dollar payment volumes 257,345 260,275 257,960 258,080 246,286 (1) % 4 %

Clearance and Collateral Management

Average collateral balances (in billions)

$ 8,263 $ 8,199 $ 7,783 $ 7,453 $ 7,275 1 % 14 %

(a) In business segments where average deposits are greater than average loans, average assets include an allocation of investment securities equal to the difference.

(b) Sept. 30, 2026 information is preliminary.

(d) Net new assets represent net flows of assets (e.g., net cash deposits and net securities transfers, including dividends and interest) in customer accounts in Pershing LLC, a U.S. broker-dealer.

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

INVESTMENT AND WEALTH MANAGEMENT BUSINESS SEGMENT

3Q26 vs. YTD26 vs.

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

Revenue:

Investment management fees $ 802 $ 793 $ 785 $ 793 $ 776 1 % 3 % $ 2,380 $ 2,259 5 %

Performance fees 2 3 1 14 6 N/M N/M 6 21 N/M

Investment management and performance fees (a)

804 796 786 807 782 1 3 2,386 2,280 5

Distribution and servicing fees 70 71 70 69 69 (1) 1 211 206 2

Other fees (b)

(84) (87) (83) (84) (78) N/M N/M (254) (229) N/M

Total fee revenue 790 780 773 792 773 1 2 2,343 2,257 4

Investment and other revenue (c)

8 29 (1) 11 10 N/M N/M 36 24 N/M

Total fee and other revenue (c)

798 809 772 803 783 (1) 2 2,379 2,281 4

Net interest income 59 54 53 51 41 9 44 166 123 35

Total revenue 857 863 825 854 824 (1) 4 2,545 2,404 6

Provision for credit losses (3) (5) 9 3 — N/M N/M 1 2 N/M

Total noninterest expense 655 686 726 703 640 (5) 2 2,067 2,007 3

Income before income taxes $ 205 $ 182 $ 90 $ 148 $ 184 13 % 11 % $ 477 $ 395 21 %

Total revenue by line of business:

Investment Management $ 562 $ 577 $ 550 $ 577 $ 559 (3) % 1 % $ 1,689 $ 1,620 4 %

Wealth Management 295 286 275 277 265 3 11 856 784 9

Total revenue by line of business $ 857 $ 863 $ 825 $ 854 $ 824 (1) % 4 % $ 2,545 $ 2,404 6 %

Financial ratios:

Pre-tax operating margin 23.9 % 21.1 % 10.9 % 17.3 % 22.3 % 18.7 % 16.4 %

Selected balance sheet data:

Average loans $ 14,807 $ 14,410 $ 14,233 $ 13,931 $ 14,143 3 % 5 % $ 14,485 $ 13,892 4 %

Average assets (d)

$ 27,964 $ 27,508 $ 27,261 $ 26,948 $ 27,247 2 % 3 % $ 27,580 $ 26,924 2 %

Average deposits $ 9,690 $ 9,691 $ 9,592 $ 9,453 $ 9,201 — % 5 % $ 9,658 $ 9,442 2 %

(a) On a constant currency basis, investment management and performance fees increased 3% (Non-GAAP) compared with 3Q25. See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 19 for the reconciliation of this Non-GAAP measure.

(b) Other fees primarily include investment services fees.

(c) Investment and other revenue and total fee and other revenue are net of income (loss) attributable to noncontrolling interests related to consolidated investment management funds.

(d) In business segments where average deposits are greater than average loans, average assets include an allocation of investment securities equal to the difference.

N/M – Not meaningful.

THE BANK OF NEW YORK MELLON CORPORATION

AUM BY PRODUCT TYPE, CHANGES IN AUM AND WEALTH MANAGEMENT CLIENT ASSETS

3Q26 vs. YTD26 vs.

(dollars in billions) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q26 3Q25 YTD26 YTD25 YTD25

AUM by product type: (a)(b)

Equity $ 180 $ 184 $ 172 $ 179 $ 180 (2) % — %

Fixed income 269 267 261 262 257 1 5

Index 556 549 497 517 512 1 9

Liability-driven investments 502 523 530 539 537 (4) (7)

Multi-asset and alternative investments 192 193 181 186 181 (1) 6

Cash 488 510 485 495 475 (4) 3

Total AUM $ 2,187 $ 2,226 $ 2,126 $ 2,178 $ 2,142 (2) % 2 %

Changes in AUM: (a)(b)

Beginning balance of AUM $ 2,226 $ 2,126 $ 2,178 $ 2,142 $ 2,106 $ 2,178 $ 2,029

Net inflows (outflows):

Long-term strategies:

Equity (5) (6) (4) (4) (8) (15) (14)

Fixed income 9 9 3 5 7 21 14

Liability-driven investments 3 (14) 1 (15) (23) (10) (22)

Multi-asset and alternative investments (1) (1) — (1) (1) (2) (7)

Total long-term active strategies inflows (outflows) 6 (12) — (15) (25) (6) (29)

Index 4 (9) (7) (8) (8) (12) (41)

Total long-term strategies inflows (outflows) 10 (21) (7) (23) (33) (18) (70)

Short-term strategies:

Cash (22) 24 (10) 20 34 (8) 36

Total net inflows (outflows) (12) 3 (17) (3) 1 (26) (34)

Net market impact (27) 94 (23) 40 30 44 75

Net currency impact — 3 (12) (1) (10) (9) 57

Other — — — — 15 (c) — 15 (c)

Ending balance of AUM $ 2,187 $ 2,226 $ 2,126 $ 2,178 $ 2,142 (2) % 2 % $ 2,187 $ 2,142 2 %

Wealth Management client assets (a)(d)

$ 354 $ 348 $ 339 $ 350 $ 348 2 % 2 %

(a) Sept. 30, 2026 information is preliminary.

(b) Represents assets managed in the Investment and Wealth Management business segment.

(d) Includes AUM and AUC/A in the Wealth Management line of business.

THE BANK OF NEW YORK MELLON CORPORATION

OTHER SEGMENT

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD26 YTD25

Revenue:

Fee revenue $ (27) $ (29) $ (23) $ (21) $ (27) $ (79) $ (70)

Investment and other revenue 53 36 50 45 45 139 140

Total fee and other revenue 26 7 27 24 18 60 70

Net interest income (expense) (8) (1) (11) (9) 1 (20) (27)

Total revenue 18 6 16 15 19 40 43

Provision for credit losses (1) 4 1 (9) (1) 4 5

Noninterest expense 63 83 89 55 45 235 169

Loss before income taxes $ (44) $ (81) $ (74) $ (31) $ (25) $ (199) $ (131)

Selected balance sheet data:

Average loans and leases $ 1,779 $ 1,739 $ 1,639 $ 1,695 $ 1,565 $ 1,720 $ 1,684

Average assets $ 70,157 $ 73,677 $ 68,478 $ 67,432 $ 70,687 $ 70,777 $ 68,622

THE BANK OF NEW YORK MELLON CORPORATION

INVESTMENT SECURITIES PORTFOLIO

(dollars in millions) June 30, 2026 3Q26

change in

unrealized

gain (loss) Sept. 30, 2026

Fair value

as a % of amortized

cost (a)

Unrealized

gain (loss)

% Floating

rate (b)

Ratings (c)

Amortized

cost (a)

Fair value AAA/

AA- A+/

A- BBB+/

BBB- BB+ and

lower Not

rated

Fair value

Agency RMBS $ 49,595 $ (1,728) $ 51,491 $ 47,158 92 % $ (4,333) 30 % 100 % — % — % — % — %

U.S. Treasury 35,851 (183) 35,473 35,024 99 (449) 46 100 — — — —

Non-U.S. government (d)

32,911 (303) 32,585 32,142 99 (443) 26 83 17 — — —

CLOs 8,846 (1) 9,118 9,121 100 3 100 100 — — — —

Foreign covered bonds

8,571 (95) 8,798 8,680 99 (118) 41 100 — — — —

Agency commercial MBS 9,253 (102) 8,940 8,614 96 (326) 45 100 — — — —

U.S. government agencies

3,875 (31) 3,769 3,566 95 (203) 30 100 — — — —

Non-agency commercial MBS

1,967 (14) 1,894 1,798 95 (96) 48 100 — — — —

Non-agency RMBS 1,524 (8) 1,607 1,486 92 (121) 61 100 — — — —

Other asset-backed securities

313 3 232 214 92 (18) 27 100 — — — —

Other debt securities 11 (1) 11 10 91 (1) — — — — — 100

Total investment securities $ 152,717 $ (2,463) $ 153,918 $ 147,813 (e) 96 % $ (6,105) (f) 39 % 96 % 4 % — % — % — %

(a) Amortized cost includes the impact of hedged item basis adjustments, which was a net decrease of $2,637 million, and is net of allowance for credit losses.

(b) Includes the impact of hedges.

(d) Includes supranational securities.

(e) The fair value of available-for-sale securities totaled $105,252 million at Sept. 30, 2026, or 71% of the investment securities portfolio. The fair value of the held-to-maturity securities totaled $42,561 million at Sept. 30, 2026, or 29% of the investment securities portfolio.

(f) At Sept. 30, 2026, includes a pre-tax net unrealized loss of $1,934 million related to available-for-sale securities, net of hedges, and $4,171 million related to held-to-maturity securities. The after-tax unrealized loss, net of hedges, related to available-for-sale securities was $1,468 million, and the after-tax unrealized loss related to held-to-maturity securities was $3,180 million.

Note: At Sept. 30, 2026, the accretable purchase discount relating to investment securities was $2,936 million. Including the discontinued hedges, net accretion was $160 million in 3Q26.

THE BANK OF NEW YORK MELLON CORPORATION

ALLOWANCE FOR CREDIT LOSSES AND NONPERFORMING ASSETS

2026 2025

(dollars in millions) Sept. 30 June 30 March 31 Dec. 31 Sept. 30

Allowance for credit losses – beginning of period:

Allowance for loan losses $ 222 $ 237 $ 245 $ 272 $ 275

Allowance for lending-related commitments 90 85 74 63 70

Allowance for other financial instruments (a)

27 25 25 33 34

Allowance for credit losses – beginning of period $ 339 $ 347 $ 344 $ 368 $ 379

Net (charge-offs) recoveries:

Charge-offs — (1) (1) — (5)

Recoveries — 1 11 2 1

Total net (charge-offs) recoveries — — 10 2 (4)

Provision for credit losses (b)

1 (8) (7) (26) (7)

Allowance for credit losses – end of period $ 340 $ 339 $ 347 $ 344 $ 368

Allowance for credit losses – end of period:

Allowance for loan losses $ 220 $ 222 $ 237 $ 245 $ 272

Allowance for lending-related commitments 94 90 85 74 63

Allowance for other financial instruments (a)

26 27 25 25 33

Allowance for credit losses – end of period $ 340 $ 339 $ 347 $ 344 $ 368

Allowance for loan losses as a percentage of total loans 0.25 % 0.25 % 0.23 % 0.30 % 0.36 %

Nonperforming assets $ 37 $ 33 $ 69 $ 143 $ 160

(a) Includes allowance for credit losses on federal funds sold and securities purchased under resale agreements, available-for-sale securities, held-to-maturity securities, accounts receivable, cash and due from banks and interest-bearing deposits with banks.

(b) Includes all instruments within the scope of ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments.

THE BANK OF NEW YORK MELLON CORPORATION

EXPLANATION OF GAAP AND NON-GAAP FINANCIAL MEASURES

BNY has included in this Financial Supplement certain Non-GAAP financial measures on a tangible basis as a supplement to GAAP information, which exclude goodwill and intangible assets, net of deferred tax liabilities. We believe that the return on tangible common equity – Non-GAAP is additional useful information for investors because it presents a measure of those assets that can generate income, and the tangible book value per common share – Non-GAAP is additional useful information because it presents the level of tangible assets in relation to shares of common stock outstanding.

The presentation of the growth rates of investment management and performance fees on a constant currency basis permits investors to assess the significance of changes in foreign currency exchange rates. Growth rates on a constant currency basis were determined by applying the current period foreign currency exchange rates to the prior period revenue. We believe that this presentation, as a supplement to GAAP information, gives investors a clearer picture of the related revenue results without the variability caused by fluctuations in foreign currency exchange rates.

Note:

Returns on common and tangible common equity ratios are annualized.

Return on common equity and tangible common equity reconciliation

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD26 YTD25

Net income applicable to common shareholders of The Bank of New York Mellon Corporation – GAAP $ 1,608 $ 1,696 $ 1,562 $ 1,427 $ 1,339 $ 4,866 $ 3,879

Add: Amortization of intangible assets 9 10 9 11 12 28 34

Less: Tax impact of amortization of intangible assets 2 3 2 3 3 7 8

Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding amortization of intangible assets – Non-GAAP $ 1,615 $ 1,703 $ 1,569 $ 1,435 $ 1,348 $ 4,887 $ 3,905

Average common shareholders’ equity $ 39,756 $ 39,535 $ 39,448 $ 39,142 $ 38,626 $ 39,580 $ 37,839

Less: Average goodwill 16,764 16,768 16,774 16,777 16,787 16,769 16,718

Average intangible assets 2,802 2,809 2,819 2,827 2,842 2,810 2,847

Add: Deferred tax liability – tax deductible goodwill 1,225 1,225 1,226 1,227 1,236 1,225 1,236

Deferred tax liability – intangible assets 657 659 660 662 665 657 665

Average tangible common shareholders’ equity – Non-GAAP $ 22,072 $ 21,842 $ 21,741 $ 21,427 $ 20,898 $ 21,883 $ 20,175

Return on common equity – GAAP 16.0 % 17.2 % 16.1 % 14.5 % 13.7 % 16.4 % 13.7 %

Return on tangible common equity – Non-GAAP 29.0 % 31.3 % 29.3 % 26.6 % 25.6 % 29.9 % 25.9 %

THE BANK OF NEW YORK MELLON CORPORATION

EXPLANATION OF GAAP AND NON-GAAP FINANCIAL MEASURES

Book value and tangible book value per common share reconciliation 2026 2025

(dollars in millions, except common shares and unless otherwise noted) Sept. 30 June 30 March 31 Dec. 31 Sept. 30

The Bank of New York Mellon Corporation shareholders’ equity at period end – GAAP $ 43,575 $ 44,664 $ 44,783 $ 44,313 $ 43,879

Less: Preferred stock 4,259 4,754 5,331 4,836 4,836

The Bank of New York Mellon Corporation common shareholders’ equity at period end – GAAP 39,316 39,910 39,452 39,477 39,043

Less: Goodwill 16,728 16,731 16,734 16,767 16,773

Intangible assets 2,791 2,800 2,809 2,822 2,834

Add: Deferred tax liability – tax deductible goodwill 1,225 1,225 1,226 1,227 1,236

Deferred tax liability – intangible assets 657 659 660 662 665

The Bank of New York Mellon Corporation tangible common shareholders’ equity at period end – Non-GAAP $ 21,679 $ 22,263 $ 21,795 $ 21,777 $ 21,337

Period-end common shares outstanding (in thousands)

672,898 678,504 686,379 688,236 697,349

Book value per common share – GAAP $ 58.43 $ 58.82 $ 57.48 $ 57.36 $ 55.99

Tangible book value per common share – Non-GAAP $ 32.22 $ 32.81 $ 31.75 $ 31.64 $ 30.60

Net interest margin reconciliation

(dollars in millions) 3Q26 2Q26 1Q26 4Q25 3Q25

Net interest income – GAAP $ 1,423 $ 1,446 $ 1,370 $ 1,346 $ 1,236

Add: Tax equivalent adjustment 1 — — — —

Net interest income (FTE) – Non-GAAP $ 1,424 $ 1,446 $ 1,370 $ 1,346 $ 1,236

Average interest-earning assets $ 396,504 $ 397,635 $ 396,310 $ 387,289 $ 374,493

Net interest margin – GAAP (a)

1.43 % 1.45 % 1.38 % 1.38 % 1.31 %

Net interest margin (FTE) – Non-GAAP (a)

1.43 % 1.45 % 1.38 % 1.38 % 1.31 %

(a) Net interest margin is annualized.

Constant currency reconciliations 3Q26 vs.

(dollars in millions) 3Q26 3Q25 3Q25

Consolidated:

Investment management and performance fees – GAAP $ 803 $ 782 3 %

Impact of changes in foreign currency exchange rates — (1)

Adjusted investment management and performance fees – Non-GAAP $ 803 $ 781 3 %

Investment and Wealth Management business segment:

Investment management and performance fees – GAAP $ 804 $ 782 3 %

Impact of changes in foreign currency exchange rates — (1)

Adjusted investment management and performance fees – Non-GAAP $ 804 $ 781 3 %

EX-99.3 — QUARTERLY UPDATE PRESENTATION

EX-99.3

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3Q26 October 15, 2026 QUARTERLY UPDATE

2 • Revenue Growth: Total revenue of $5.7bn up 12% YoY • Expense Discipline: Expense of $3.5bn up 8% YoY – More than 3/4 of YoY increase reflects revenue-related expenses – The remaining variance reflects higher investments, partially offset by efficiency savings • Margin Expansion: – 389 bps of operating leverage(b) – Pre-tax margin of 38.5% up 2.1%-pts YoY • Improved Profitability: – ROE of 16.0% up 2.3%-pts YoY – ROTCE(a) of 29.0% up 3.4%-pts YoY • EPS Growth: EPS of $2.34 up 24% YoY • Attractive Capital Returns: Returned $1.4bn to common shareholders, including $436mm of dividends and $937mm of share repurchases – 86% payout ratio year-to-date 3Q26 Financial Highlights + 24% Revenue: + 12% 39% ROTCE(a): 29% Tier 1 Leverage: 5.7% + 8% Pre-tax Margin: EPS: Expenses: (a) Represents a non-GAAP measure. See page 11 in the Appendix for the corresponding reconciliation of the non-GAAP measure of ROTCE. (b) Operating leverage is the rate of increase (decrease) in total revenue less the rate of increase (decrease) in total noninterest expense. Note: Above comparisons are 3Q26 vs. 3Q25, unless otherwise noted.

3 3Q26 vs. $mm, except per share data or unless otherwise noted 3Q26 2Q26 3Q25 2Q26 3Q25 Income Statement Investment services fees $2,973 $2,909 $2,585 2% 15% Investment management and performance fees 803 796 782 1 3 Foreign exchange revenue 198 229 166 (14) 19 Other fee revenue 104 102 104 2 — Total fee revenue $4,078 $4,036 $3,637 1% 12% Investment and other revenue 175 216 208 N/M N/M Net interest income 1,423 1,446 1,236 (2) 15 Total revenue $5,676 $5,698 $5,081 —% 12% Provision for credit losses 1 (8) (7) N/M N/M Noninterest expense 3,489 3,439 3,236 1 8 Income before income taxes $2,186 $2,267 $1,852 (4)% 18% Net income applicable to common shareholders $1,608 $1,696 $1,339 (5)% 20% Avg. common shares and equivalents outstanding (mm) - diluted 687 692 713 (1)% (4)% EPS $2.34 $2.45 $1.88 (4)% 24% Key Performance Indicators Operating leverage(a) (184) bps 389 bps Pre-tax margin 38.5% 39.8% 36.4% ROE 16.0% 17.2% 13.7% ROTCE(b) 29.0% 31.3% 25.6% Non-GAAP measures, excluding notable items(c) Adjusted total revenue $5,676 $5,698 $5,069 —% 12% Adjusted noninterest expense 3,467 3,431 3,197 1 8 Adjusted EPS 2.37 2.46 1.91 (4) 24 Adjusted operating leverage (144) bps 353 bps Adjusted pre-tax margin 38.9% 39.9% 37.1% Adjusted ROTCE 29.3% 31.4% 26.0% 3Q26 Financial Results (a) Operating leverage is the rate of increase (decrease) in total revenue less the rate of increase (decrease) in total noninterest expense. (b) Represents a non-GAAP measure. See page 11 in the Appendix for the corresponding reconciliation of the non-GAAP measure of ROTCE. (c) Each of the below line items represents a non-GAAP measure. See pages 11 and 12 in the Appendix for the corresponding reconciliations of these non-GAAP measures excluding notable items. N/M – not meaningful.

4 3Q26 2Q26 3Q25 Consolidated regulatory capital ratios(a) Tier 1 capital ($mm) $25,217 $26,311 $25,471 Average assets for Tier 1 leverage ratio ($mm) 445,660 446,398 419,077 Tier 1 leverage ratio 5.7% 5.9% 6.1% Common Equity Tier 1 ("CET1") capital ($mm) $20,967 $21,564 $20,645 Risk-weighted assets ($mm) 191,765 196,108 176,432 CET1 ratio 10.9% 11.0% 11.7% Supplementary leverage ratio ("SLR") 6.0% 6.3% 6.7% Consolidated regulatory liquidity ratios(a) Liquidity coverage ratio ("LCR") 111% 111% 112% Net stable funding ratio ("NSFR") 129% 130% 130% Capital returns(b) Cash dividends per common share $0.63 $0.53 $0.53 Common stock dividends ($mm) $436 $371 $381 Common stock repurchases ($mm) 937 1,103 849 Total capital return ($mm) $1,373 $1,474 $1,230 Total payout ratio 85% 87% 92% Profitability ROE 16.0% 17.2% 13.7% ROTCE(c) 29.0% 31.3% 25.6% Adjusted ROTCE(d) 29.3% 31.4% 26.0% Capital and Liquidity CAPITAL • Tier 1 leverage ratio of 5.7% down 24 bps QoQ – Tier 1 capital of $25.2bn down $1,094mm QoQ, primarily reflecting capital returned through common stock repurchases and dividends, a decline in accumulated other comprehensive income and a preferred stock redemption, net of an issuance, partially offset by capital generated through earnings – Average assets for Tier 1 leverage ratio of $445.7bn down $0.7bn QoQ • CET1 ratio of 10.9% down 6 bps QoQ – CET1 capital of $21.0bn down $597mm QoQ, primarily reflecting capital returned through common stock repurchases and dividends and a decline in accumulated other comprehensive income, partially offset by capital generated through earnings – RWA of $191.8bn down $4.3bn QoQ LIQUIDITY • LCR of 111% flat QoQ • NSFR of 129% down 1%-pt QoQ (a) Note: See page 10 in the Appendix for corresponding footnotes. (b) Note: See page 10 in the Appendix for corresponding footnotes. (c) Represents a non-GAAP measure. See page 11 in the Appendix for the corresponding reconciliation of the non-GAAP measure of ROTCE. (d) Represents a non-GAAP measure. See page 11 in the Appendix for the corresponding reconciliation of the non-GAAP measure of ROTCE excluding notable items.

5 1,236 1,346 1,370 1,446 1,423 3Q25 4Q25 1Q26 2Q26 3Q26 3Q26 vs. 3Q26 2Q26 3Q25 Total assets $464 —% 6% Total interest-earning assets $397 —% 6% Cash and reverse repo 146 (1) — Loans 87 1 19 Investment securities 154 (1) 4 Noninterest-bearing $53 (3)% 4% Interest-bearing 258 (1) 4 Total deposits $311 (1)% 4% Net Interest Income and Balance Sheet Trends Net Interest Income ($mm) 1.31% 1.38% 1.38% 1.45% 1.43% 3Q25 4Q25 1Q26 2Q26 3Q26 Net Interest Margin Balance Sheet Trends ($bn, average) • Net interest income of $1,423mm up 15% YoY and down 2% QoQ – YoY increase primarily reflecting the reinvestment of investment securities at higher yields and balance sheet growth, partially offset by deposit margin compression – QoQ decrease primarily reflecting lower deposit balances, partially offset by the reinvestment of investment securities at higher yields • Net interest margin of 1.43% up 12 bps YoY and down 2 bps QoQ • Avg. total deposits of $311bn up 4% YoY and down 1% QoQ

6 3Q26 vs. $mm, unless otherwise noted 3Q26 2Q26 3Q25 Asset Servicing $1,264 5% 12% Issuer Services 449 (3) 43 Total investment services fees $1,713 2% 19% Foreign exchange revenue 171 (16) 20 Other fees(a) 78 1 7 Investment and other revenue 93 N/M N/M Net interest income 765 (2) 14 Total revenue $2,820 —% 15% Provision for credit losses 4 N/M N/M Noninterest expense 1,808 5 10 Income before income taxes $1,008 (9)% 24% $bn, unless otherwise noted 3Q26 2Q26 3Q25 Pre-tax margin 35.8% 39.3% 33.1% Assets under custody and/or administration ("AUC/A")(trn) $45.9 $45.3 $41.5 Deposits (average) $192 $194 $183 Issuer Services Total debt serviced (trn) $15.4 $15.2 $14.5 Number of Depositary Receipts programs 1,670 1,655 1,601 Securities Services Select Income Statement Data Select Income Statement Data Key Performance Indicators (b)(c) • Total revenue of $2,820mm up 15% YoY – Investment services fees up 19% YoY > Asset Servicing up 12% YoY, primarily reflecting higher client activity, net new business and market values > Issuer Services up 43% YoY, primarily reflecting higher Corporate Trust fees – Foreign exchange revenue up 20% YoY – Net interest income up 14% YoY • Noninterest expense of $1,808mm up 10% YoY, primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings and lower severance expense • Income before income taxes of $1,008mm up 24% YoY Note: See page 10 in the Appendix for corresponding footnotes. N/M – not meaningful.

7 3Q26 vs. $mm, unless otherwise noted 3Q26 2Q26 3Q25 Wealth Solutions $554 1% 7% Clearance and Collateral Management 464 2 17 Payments and Trade 232 4 8 Total investment services fees $1,250 2% 10% Foreign exchange revenue 31 (9) — Other fees(a) 72 1 3 Investment and other revenue 24 N/M N/M Net interest income 607 (1) 16 Total revenue $1,984 1% 12% Provision for credit losses 1 N/M N/M Noninterest expense 963 2 6 Income before income taxes $1,020 —% 17% $bn, unless otherwise noted 3Q26 2Q26 3Q25 Pre-tax margin 51.4% 52.0% 48.9% AUC/A (trn)(b)(c) $17.1 $16.9 $16.0 Deposits (average) $104 $103 $98 Wealth Solutions AUC/A (trn)(b) $3.6 $3.6 $3.2 Net new assets (U.S. platform)(d) 48 25 3 Daily average revenue trades ("DARTs") (U.S. platform) ('000) 299 391 269 Average active clearing accounts ('000) 8,832 8,730 8,387 Payments and Trade U.S. dollar payment volumes (daily average) 257,345 260,275 246,286 Clearance and Collateral Management Average collateral balances $8,263 $8,199 $7,275 Market and Wealth Services Select Income Statement Data Key Performance Indicators Select Income Statement Data • Total revenue of $1,984mm up 12% YoY – Investment services fees up 10% YoY > Wealth Solutions up 7% YoY, primarily reflecting higher market values, client activity and net new business > Clearance and Collateral Management up 17% YoY, primarily reflecting higher collateral balances and clearance volumes > Payments and Trade up 8% YoY, primarily reflecting net new business – Foreign exchange revenue flat YoY – Net interest income up 16% YoY • Noninterest expense of $963mm up 6% YoY, primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings • Income before income taxes of $1,020mm up 17% YoY Note: See page 10 in the Appendix for corresponding footnotes. N/M – not meaningful.

8 3Q26 vs. $mm, unless otherwise noted 3Q26 2Q26 3Q25 Investment management fees $802 1% 3% Performance fees 2 N/M N/M Distribution and servicing fees 70 (1) 1 Other fees(a) (84) N/M N/M Investment and other revenue(b) 8 N/M N/M Net interest income 59 9 44 Total revenue $857 (1)% 4% Provision for credit losses (3) N/M N/M Noninterest expense 655 (5) 2 Income before income taxes $205 13% 11% Total revenue by line of business: Investment Management $562 (3)% 1% Wealth Management 295 3 11 Total revenue $857 (1)% 4% $bn, unless otherwise noted 3Q26 2Q26 3Q25 Pre-tax margin 23.9% 21.1% 22.3% Deposits (average) $10 $10 $9 Assets under management ("AUM")(c) $2,187 $2,226 $2,142 Long-term active strategies net flows $6 $(12) $(25) Index net flows 4 (9) (8) Short-term strategies net flows (22) 24 34 Total net flows $(12) $3 $1 Wealth Management Client assets(d) $354 $348 $348 Investment and Wealth Management Select Income Statement Data Key Performance Indicators Select Income Statement Data • Total revenue of $857mm up 4% YoY – Investment Management up 1% YoY, primarily reflecting higher market values, partially offset by the mix of AUM flows – Wealth Management up 11% YoY, primarily reflecting higher net interest income and market values • Noninterest expense of $655mm up 2% YoY, primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings • Income before income taxes of $205mm up 11% YoY • AUM of $2.2trn up 2% YoY, primarily reflecting higher market values, partially offset by cumulative net outflows and the unfavorable impact of a stronger U.S. dollar • Wealth Management client assets of $354bn up 2% YoY, primarily reflecting higher market values, partially offset by cumulative net outflows Note: See page 10 in the Appendix for corresponding footnotes. N/M – not meaningful.

9 $mm, unless otherwise noted 3Q26 2Q26 3Q25 Fee revenue $(27) $(29) $(27) Investment and other revenue 53 36 45 Net interest income (expense) (8) (1) 1 Total revenue $18 $6 $19 Provision for credit losses (1) 4 (1) Noninterest expense 63 83 45 Loss before income taxes $(44) $(81) $(25) Other Segment Select Income Statement Data • Total revenue includes corporate treasury and other investment activity, including hedging activity which has an offsetting impact between fee and other revenue and net interest expense – YoY decrease primarily reflects the absence of 3Q25 gains realized on the sale of real estate, partially offset by a 3Q26 strategic equity investment gain – QoQ increase primarily reflects the strategic equity investment gain • Noninterest expense increased YoY, primarily reflecting the absence of a 3Q25 adjustment for the FDIC special assessment and higher severance expense Select Income Statement Data

10 Footnotes Page 4 – Capital and Liquidity (a) Regulatory capital and liquidity ratios for September 30, 2026 are preliminary. For our CET1, Tier 1 capital and Total capital ratios, our effective capital ratios under the U.S. capital rules are the lower of the ratios as calculated under the Standardized and Advanced Approaches, which for the periods presented, was the Standardized Approach. (b) Common stock dividends includes dividend equivalents on share-based awards. Common stock repurchases includes shares repurchased in the open market and shares repurchased in connection with employee benefit plans. In April 2024, we announced a share repurchase authorization providing for the repurchase of $6.0 billion of common shares. In April 2026, we announced a new share repurchase authorization providing for the repurchase of $10.0 billion of common shares in addition to any remaining capacity under the existing April 2024 authorization. Page 6 – Securities Services (a) Other fees primarily include financing-related fees. (b) September 30, 2026 information is preliminary. (c) Consists of AUC/A primarily from the Asset Servicing line of business and, to a lesser extent, the Issuer Services line of business. Includes the AUC/A of CIBC Mellon Trust Company (“CIBC Mellon”), a joint venture with the Canadian Imperial Bank of Commerce, of $2.3 trillion at September 30, 2026, $2.2 trillion at June 30, 2026, and $2.1 trillion at September 30, 2025. Page 7 – Market and Wealth Services (a) Other fees primarily include financing-related fees. (b) September 30, 2026 information is preliminary. (c) Consists of AUC/A from the Clearance and Collateral Management and Wealth Solutions lines of business. (d) Net new assets represent net flows of assets (e.g., net cash deposits and net securities transfers, including dividends and interest) in customer accounts in Pershing LLC, a U.S. broker-dealer. Page 8 – Investment and Wealth Management (a) (a) Other fees primarily include investment services fees. (b) Investment and other revenue is net of income (loss) attributable to noncontrolling interests related to consolidated investment management funds. (c) September 30, 2026 information is preliminary. Represents assets managed in the Investment and Wealth Management business segment. (d) September 30, 2026 information is preliminary. Includes AUM and AUC/A in the Wealth Management line of business.

11 $mm, unless otherwise noted 3Q26 2Q26 3Q25 Net income applicable to common shareholders of The Bank of New York Mellon Corporation – GAAP $1,608 $1,696 $1,339 Add: Amortization of intangible assets 9 10 12 Less: Tax impact of amortization of intangible assets 2 3 3 Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding amortization of intangible assets — Non-GAAP $1,615 $1,703 $1,348 Less: Disposal gains (losses)(a) — — 9 Less: Severance expense(b) (18) (5) (39) Less: Litigation reserves(b) 1 (2) (2) Less: FDIC special assessment(b) — — 11 Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding amortization of intangible assets and notable items — Non-GAAP $1,632 $1,710 $1,369 Average common shareholders’ equity $39,756 $39,535 $38,626 Less: Average goodwill 16,764 16,768 16,787 Less: Average intangible assets 2,802 2,809 2,842 Add: Deferred tax liability – tax deductible goodwill 1,225 1,225 1,236 Add: Deferred tax liability – intangible assets 657 659 665 Average tangible common shareholders’ equity – Non-GAAP $22,072 $21,842 $20,898 Return on common equity(c) – GAAP 16.0% 17.2% 13.7% Adjusted return on common equity(c) – Non-GAAP 16.2% 17.3% 14.0% Return on tangible common equity(c) – Non-GAAP 29.0% 31.3% 25.6% Adjusted return on tangible common equity(c) – Non-GAAP 29.3% 31.4% 26.0% Return on Common Equity and Tangible Common Equity Reconciliation (a) Reflected in Investment and other revenue. (b) Severance expense is reflected in Staff expense, Litigation reserves in Other expense, and FDIC special assessment in Bank assessment charges, respectively. (c) Returns are annualized.

12 Select Income Statement Data Reconciliation of Non-GAAP Measures – Impact of Notable Items 3Q26 vs. $mm, except per share data or unless otherwise noted 3Q26 2Q26 3Q25 2Q26 3Q25 Total revenue – GAAP $5,676 $5,698 $5,081 —% 12% Less: Disposal gains (losses)(a) — — 12 Adjusted total revenue, excluding notable items — Non-GAAP $5,676 $5,698 $5,069 —% 12% Total noninterest expense – GAAP $3,489 $3,439 $3,236 1% 8% Less: Severance expense(b) 23 6 50 Less: Litigation reserves(b) (1) 2 3 Less: FDIC special assessment(b) — — (14) Adjusted total noninterest expense, excluding notable items — Non-GAAP $3,467 $3,431 $3,197 1% 8% Net income applicable to common shareholders of The Bank of New York Mellon Corporation – GAAP $1,608 $1,696 $1,339 (5)% 20% Less: Disposal gains (losses)(a) — — 9 Severance expense(b) (18) (5) (39) Less: Litigation reserves(b) 1 (2) (2) Less FDIC special assessment(b) — — 11 Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding notable items — Non-GAAP $1,625 $1,703 $1,360 (5)% 19% Diluted earnings per share – GAAP $2.34 $2.45 $1.88 (4)% 24% Less: Disposal gains (losses)(a) — — 0.01 Severance expense(b) (0.03) (0.01) (0.05) Litigation reserves(b) — — — FDIC special assessment(b) — — 0.01 Adjusted diluted earnings per share, excluding notable items — Non-GAAP $2.37 $2.46 $1.91 (4)% 24% Operating leverage – GAAP(c) (184) bps 389 bps Adjusted operating leverage, excluding notable items — Non-GAAP(c) (144) bps 353 bps Pre-tax operating margin – GAAP(d) 38.5% 39.8% 36.4% Adjusted pre-tax operating margin, excluding notable items — Non-GAAP(d) 38.9% 39.9% 37.1% (a) Disposal gains (losses) reflected in Investment and other revenue. (b) Severance expense is reflected in Staff expense, Litigation reserves in Other expense, and FDIC special assessment in Bank assessment charges, respectively. (c) Operating leverage is the rate of increase (decrease) in total revenue less the rate of increase (decrease) in total noninterest expense. (d) Income before taxes divided by total revenue. See the 3Q26 Earnings Release for additional information.

13 A number of statements in our presentations, the accompanying slides and the responses to questions on our conference call discussing our quarterly results may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about The Bank of New York Mellon Corporation’s (the “Corporation,” “we,” “us,” or “our”) capital plans including dividends and repurchases, total payout ratio, financial performance, fee revenue, net interest income, expenses, cost discipline, efficiency savings, operating leverage, pre-tax margin, capital ratios, organic growth, pipeline, deposits, interest rates and yield curves, securities portfolio, taxes, investments, including in technology and product development, innovation in products and services, artificial intelligence, digital assets, client experience, strategic priorities and initiatives, acquisitions, related integration and divestiture activity, capabilities, resiliency, risk profile, human capital management and the effects of the current and near-term market and macroeconomic outlook on us, including on our business, operations, financial performance and prospects. Preliminary business metrics, NII sensitivity, and regulatory capital ratios are subject to change, possibly materially as we complete our Quarterly Report on Form 10-Q for the quarter ended September 30, 2026. Forward-looking statements may be expressed in a variety of ways, including the use of future or present tense language. Words such as “estimate,” “forecast,” “project,” “anticipate,” “likely,” “target,” “expect,” “intend,” “continue,” “seek,” “believe,” “plan,” “goal,” “could,” “should,” “would,” “may,” “might,” “will,” “strategy,” “synergies,” “opportunities,” “trends,” “momentum,” “ambition,” “aspiration,” “objective,” “aim,” “future,” “potentially,” “outlook” and words of similar meaning may signify forward-looking statements. These statements are not guarantees of future results or occurrences, are inherently uncertain and are based upon current beliefs and expectations of future events, many of which are, by their nature, difficult to predict, outside of our control and subject to change. By identifying these statements for you in this manner, we are alerting you to the possibility that our actual results may differ, possibly materially, from the anticipated results expressed or implied in these forward-looking statements as a result of a number of important factors. These factors include: global inflationary impacts and the risk factors and other uncertainties set forth in our Annual Report on Form 10-K for the year ended Dec. 31, 2025 (the “2025 Annual Report”) and our other filings with the Securities and Exchange Commission (the “SEC”). Forward-looking statements about the timing, profitability, benefits and other prospective aspects of business and expense initiatives, our financial outlook, our medium-term financial targets and our long-term strategy, and how they can be achieved, are based on our current expectations regarding our ability to execute against our strategic initiatives, as well as our balance sheet size and composition, and may change, possibly materially, from what is currently expected. Statements about our outlook on total revenue are subject to various factors, including market levels, client activity, our ability to win and onboard new business, lost business, pricing pressure, our ability to launch new products to, and expand relationships with, existing clients, interest rates, re-investment yields and the size, mix and duration of our balance sheet, including with respect to deposits, loan balances and the securities portfolio. Statements about our artificial intelligence initiatives, including the timing, implementation, efficacy and expected benefits, are subject to various factors, including third-party and vendor dependencies, the availability, usability and quality of data, evolving legal, regulatory and supervisory expectations, employee and client adoption, and our ability to deploy, monitor and scale such capabilities with appropriate governance and in an effective control environment. Statements about our outlook on net interest income are subject to various factors, including interest rates, continued quantitative tightening, re-investment yields and the size, mix and duration of our balance sheet, including with respect to deposits, loan balances and the securities portfolio. Statements about our outlook on expenses are subject to various factors, including investments, revenue-related expenses, efficiency savings, salary increases, inflation and currency fluctuations. Statements about our target Tier 1 leverage ratio and CET1 ratio are subject to various factors, including capital requirements, interest rates, capital levels, risk- weighted assets and the size of our balance sheet, including deposit levels. Statements about the timing, manner and amount of any future common stock dividends or repurchases are subject to various factors, including our capital position, capital deployment opportunities, prevailing market conditions, legal and regulatory considerations and our outlook for the economic environment. Statements about our future effective tax rate are subject to various factors including, changes in the tax rates applicable to us, changes in our earnings mix, our profitability, the assumptions we have made in forecasting our expected tax rate, the interpretation or application of existing tax statutes and regulations, as well as any corporate tax legislation that may be enacted or any guidance that may be issued by the U.S. Internal Revenue Service. You should not place undue reliance on any forward-looking statement. All forward-looking statements speak only as of the date on which they were made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after such date or to reflect the occurrence of unanticipated events. Non-GAAP Measures. In this presentation, the accompanying slides and our responses to questions, we may discuss certain non-GAAP measures in detailing our performance, which exclude certain items or otherwise include components that differ from GAAP. We believe these measures are useful to the investment community in analyzing the financial results and trends of ongoing operations. We believe they facilitate comparisons with prior periods and reflect the principal basis on which our management monitors financial performance. Additional disclosures relating to non-GAAP measures are contained in our reports filed with the SEC, including the 2025 Annual Report, the third quarter 2026 earnings release and the third quarter 2026 financial supplement, which are available at www.bny.com/investorrelations. Forward-Looking Non-GAAP Financial Measures. From time to time we may discuss forward-looking non-GAAP financial measures, such as forward-looking estimates or targets for total revenue and expenses excluding notable items. We are unable to provide a reconciliation of forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the complexity and inherent difficulty in forecasting and quantifying future amounts or when they may occur. Such unavailable information could be significant to future results. Cautionary Statement

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v3.26.3

Document and Entity Information

Oct. 15, 2026

Entity Information [Line Items]

Document Type

8-K

Document Period End Date

Oct. 15, 2026

Entity Registrant Name

THE BANK OF NEW YORK MELLON CORPORATION

Entity Incorporation, State or Country Code

Entity File Number

001-35651

Entity Tax Identification Number

13-2614959

Entity Address, Address Line One

240 Greenwich Street

Entity Address, City or Town

New York

Entity Address, State or Province

Entity Address, Postal Zip Code

10286

City Area Code

212

Local Phone Number

495-1784

Written Communications

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Entity Central Index Key

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New York Stock Exchange | Common Stock, $0.01 par value

Entity Information [Line Items]

Title of 12(b) Security

Common Stock, $0.01 par value

Trading Symbol

BNY

Security Exchange Name

NYSE

New York Stock Exchange | 6.244% Fixed-to-Floating Rate Normal Preferred Capital Securities of Mellon Capital IV

Entity Information [Line Items]

Title of 12(b) Security

6.244% Fixed-to-Floating Rate Normal Preferred Capital Securities of Mellon Capital IV

Trading Symbol

BNY/P

Security Exchange Name

NYSE

New York Stock Exchange | Depositary Shares

Entity Information [Line Items]

Title of 12(b) Security

Depositary Shares, each representing a 1/4,000th interest in a share of Series K Noncumulative

Trading Symbol

BNY PRK

Security Exchange Name

NYSE

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