Bank of New York Mellon Corp

Highlights of third quarter 2026 results

We reported net income applicable to common shareholders of $1.6 billion, or $2.34 per diluted common share, in the third quarter of 2026, including the impact of notable items. Notable items in the third quarter of 2026 include severance expense and litigation reserves. Excluding notable items, net income applicable to common shareholders was $1.6 billion (Non-GAAP), or $2.37 (Non-GAAP) per diluted common share, in the third quarter of 2026. Net income applicable to common shareholders was $1.3 billion, or $1.88 per diluted common share, in the third quarter of 2025, including the impact of notable items. Notable items in the third quarter of

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2025 include a disposal gain, severance expense, litigation reserves and a reduction in the Federal Deposit Insurance Corporation (“FDIC”) special assessment. Excluding notable items, net income applicable to common shareholders was $1.4 billion (Non-GAAP), or $1.91 (Non-GAAP) per diluted common share, in the third quarter of 2025.

The highlights below are based on the third quarter of 2026 compared with the third quarter of 2025, unless otherwise noted.

•Total revenue increased 12%, primarily reflecting:

•Fee revenue increased 12%, primarily reflecting net new business and higher client activity and market values, partially offset by the mix of AUM flows. (See “Fee and other revenue” beginning on page 6.)

•Investment and other revenue decreased primarily reflecting the impact of fixed income and equity trading activity, seed capital results and the absence of a disposal gain recorded in the third quarter of 2025, partially offset by other investment gains. (See “Fee and other revenue” beginning on page 6.)

•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. (See “Net interest income” on page 8.)

•The provision for credit losses was $1 million. (See “Allowance for credit losses” on page 27.)

•Noninterest expense increased 8%, primarily reflecting higher revenue-related expenses and investments, partially offset by efficiency savings. (See “Noninterest expense” on page 11.)

•Effective tax rate of 22.8%. (See “Income taxes” on page 11.)

•Return on common shareholders’ equity (“ROE”) was 16.0% for the third quarter of 2026.

•Return on tangible common shareholders’ equity (“ROTCE”) was 29.0% (Non-GAAP) for the third quarter of 2026.

See “Supplemental information – Explanation of GAAP and Non-GAAP financial measures” beginning on page 41 for a reconciliation of these Non-GAAP measures.

Metrics

•AUC/A of $63.4 trillion 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 of $2.2 trillion 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

•Our CET1 ratio under the Standardized Approach was 11.0% at Sept. 30, 2026, a decrease 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 and lower risk-weighted assets (“RWA”). (See “Capital” beginning on page 33.)

•Our Tier 1 leverage ratio was 5.7% at Sept. 30, 2026, a decrease compared with June 30, 2026, primarily reflecting the decrease in capital. (See “Capital” beginning on page 33.)

•Returned $1.4 billion to common shareholders, including $937 million of common share repurchases.

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