Document


THE BANK OF NEW YORK MELLON CORPORATION
CONSOLIDATED FINANCIAL HIGHLIGHTS
(dollars in millions, except per common share amounts, or unless otherwise noted)																3Q25 vs.										YTD25 vs.
	3Q25			2Q25			1Q25			4Q24			3Q24			2Q25		3Q24		YTD25			YTD24			YTD24
Selected income statement data


Fee and other revenue	$	3,845		$	3,825		$	3,633		$	3,653		$	3,600		1	%	7	%	$	11,303		$	10,654		6	%
Net interest income	1,236			1,203			1,159			1,194			1,048			3		18		3,598			3,118			15
Total revenue	5,081			5,028			4,792			4,847			4,648			1		9		14,901			13,772			8
Provision for credit losses	(7)			(17)			18			20			23			N/M		N/M		(6)			50			N/M
Noninterest expense	3,236			3,206			3,252			3,355			3,100			1		4		9,694			9,346			4
Income before income taxes	1,852			1,839			1,522			1,472			1,525			1		21		5,213			4,376			19
Provision for income taxes	395			404			300			315			336			(2)		18		1,099			990			11
Net income	$	1,457		$	1,435		$	1,222		$	1,157		$	1,189		2	%	23	%	$	4,114		$	3,386		22	%
Net income applicable to common shareholders of The Bank of New York Mellon Corporation	$	1,339		$	1,391		$	1,149		$	1,130		$	1,110		(4)	%	21	%	$	3,879		$	3,206		21	%
Diluted earnings per common share	$	1.88		$	1.93		$	1.58		$	1.54		$	1.50		(3)	%	25	%	$	5.39		$	4.26		27	%
Average common shares and equivalents outstanding – diluted (in thousands)	712,854			720,007			727,398			733,720			742,080			(1)	%	(4)	%	720,344			752,555			(4)	%

Financial ratios (Returns are annualized)
Pre-tax operating margin	36		%	37		%	32		%	30		%	33		%					35		%	32		%
Return on common equity	13.7		%	14.7		%	12.6		%	12.2		%	12.0		%					13.7		%	11.8		%
Return on tangible common equity – Non-GAAP (a)	25.6		%	27.8		%	24.2		%	23.3		%	22.8		%					25.9		%	22.7		%
Non-U.S. revenue as a percentage of total revenue	35		%	36		%	33		%	35		%	35		%					35		%	35		%

Period end
Assets under custody and/or administration (“AUC/A”) (in trillions) (b)	$	57.8		$	55.8		$	53.1		$	52.1		$	52.1		4	%	11	%
Assets under management (“AUM”) (in trillions)	$	2.1		$	2.1		$	2.0		$	2.0		$	2.1		2	%	—	%
Full-time employees	49,200			49,900			51,000			51,800			52,600			(1)	%	(6)	%
Book value per common share	$	55.99		$	54.76		$	52.82		$	51.52		$	51.78
Tangible book value per common share – Non-GAAP (a)	$	30.60		$	29.57		$	28.20		$	27.05		$	28.01
Cash dividends per common share	$	0.53		$	0.47		$	0.47		$	0.47		$	0.47
Common dividend payout ratio	28		%	25		%	30		%	31		%	32		%
Closing stock price per common share	$	108.96		$	91.11		$	83.87		$	76.83		$	71.86
Market capitalization	$	75,983		$	64,254		$	60,003		$	55,139		$	52,248
Common shares outstanding (in thousands)	697,349			705,241			715,434			717,680			727,078

Capital ratios at period end (c)
Common Equity Tier 1 (“CET1”) ratio	11.7		%	11.5		%	11.5		%	11.2		%	11.9		%
Tier 1 capital ratio	14.4		%	14.5		%	14.6		%	13.7		%	14.5		%
Total capital ratio	15.3		%	15.5		%	15.7		%	14.8		%	15.6		%
Tier 1 leverage ratio	6.1		%	6.1		%	6.2		%	5.7		%	6.0		%
Supplementary leverage ratio (“SLR”)	6.7		%	6.9		%	6.9		%	6.5		%	7.0		%
(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 18 for the reconciliation of Non-GAAP measures.
(b) Includes the AUC/A of CIBC Mellon Trust Company (“CIBC Mellon”), a joint venture with the Canadian Imperial Bank of Commerce, of $2.1 trillion at Sept, 30, 2025, $2.0 trillion at June 30, 2025, $1.9 trillion at March 31, 2025, $1.8 trillion at Dec. 31, 2024 and $1.9 trillion at Sept. 30, 2024.
(c) Regulatory capital ratios for Sept. 30, 2025 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 Sept. 30, 2025, June 30, 2025, March 31, 2025 and Dec. 31, 2024 was the Standardized Approach, and for Sept. 30, 2024 was the Standardized Approach for the CET1 and Tier 1 capital ratios and the Advanced Approaches for the Total capital ratio.
N/M – Not meaningful.


THE BANK OF NEW YORK MELLON CORPORATION
CONDENSED CONSOLIDATED INCOME STATEMENT

(dollars in millions, except per share amounts; common shares in thousands)											3Q25 vs.								YTD25 vs.
	3Q25		2Q25		1Q25		4Q24		3Q24		2Q25		3Q24		YTD25		YTD24		YTD24
Revenue
Investment services fees	$	2,585	$	2,583	$	2,411	$	2,438	$	2,344	—	%	10	%	$	7,579	$	6,981	9	%
Investment management and performance fees	782		758		739		808		794		3		(2)		2,279		2,331		(2)
Foreign exchange revenue	166		213		156		177		175		(22)		(5)		535		511		5
Financing-related fees	67		51		60		53		53		31		26		178		163		9
Distribution and servicing fees	37		36		37		37		38		3		(3)		110		121		(9)
Total fee revenue	3,637		3,641		3,403		3,513		3,404		—		7		10,681		10,107		6
Investment and other revenue	208		184		230		140		196		N/M		N/M		622		547		N/M
Total fee and other revenue	3,845		3,825		3,633		3,653		3,600		1		7		11,303		10,654		6
Net interest income	1,236		1,203		1,159		1,194		1,048		3		18		3,598		3,118		15
Total revenue	5,081		5,028		4,792		4,847		4,648		1		9		14,901		13,772		8
Provision for credit losses	(7)		(17)		18		20		23		N/M		N/M		(6)		50		N/M
Noninterest expense
Staff	1,745		1,768		1,834		1,817		1,736		(1)		1		5,347		5,313		1
Software and equipment	542		527		513		520		491		3		10		1,582		1,442		10
Professional, legal and other purchased services	404		388		366		410		370		4		9		1,158		1,093		6
Sub-custodian and clearing	141		150		131		128		117		(6)		21		422		370		14
Net occupancy	140		132		136		149		130		6		8		408		388		5
Distribution and servicing	68		63		65		87		90		8		(24)		196		274		(28)
Business development	45		53		48		54		48		(15)		(6)		146		134		9
Bank assessment charges	6		22		38		16		10		N/M		N/M		66		20		N/M

Amortization of intangible assets	12		11		11		13		12		9		—		34		37		(8)
Other	133		92		110		161		96		45		39		335		275		22
Total noninterest expense	3,236		3,206		3,252		3,355		3,100		1		4		9,694		9,346		4
Income before income taxes	1,852		1,839		1,522		1,472		1,525		1		21		5,213		4,376		19
Provision for income taxes	395		404		300		315		336		(2)		18		1,099		990		11
Net income	1,457		1,435		1,222		1,157		1,189		2		23		4,114		3,386		22
Net (income) attributable to noncontrolling interests	(12)		(12)		(2)		(2)		(7)		N/M		N/M		(26)		(11)		N/M
Preferred stock dividends	(106)		(32)		(71)		(25)		(72)		N/M		N/M		(209)		(169)		N/M
Net income applicable to common shareholders of The Bank of New York Mellon Corporation	$	1,339	$	1,391	$	1,149	$	1,130	$	1,110	(4)	%	21	%	$	3,879	$	3,206	21	%

Average common shares and equivalents outstanding: Basic	705,873		714,799		720,951		726,568		736,547		(1)	%	(4)	%	714,135		747,766		(4)	%
Diluted	712,854		720,007		727,398		733,720		742,080		(1)	%	(4)	%	720,344		752,555		(4)	%

Earnings per common share: Basic	$	1.90	$	1.95	$	1.59	$	1.56	$	1.51	(3)	%	26	%	$	5.43	$	4.29	27	%
Diluted	$	1.88	$	1.93	$	1.58	$	1.54	$	1.50	(3)	%	25	%	$	5.39	$	4.26	27	%
N/M – Not meaningful.


THE BANK OF NEW YORK MELLON CORPORATION
CONDENSED CONSOLIDATED BALANCE SHEET

	2025						2024
(dollars in millions)	Sept. 30		June 30		March 31		Dec. 31		Sept. 30
Assets
Cash and due from banks	$	5,055	$	5,699	$	5,354	$	4,178	$	6,234
Interest-bearing deposits with the Federal Reserve and other central banks	106,368		135,602		102,303		89,546		102,231
Interest-bearing deposits with banks	11,027		12,069		11,945		9,612		9,354
Federal funds sold and securities purchased under resale agreements	41,863		45,547		41,316		41,146		36,164
Securities	149,528		147,068		145,385		136,627		141,876
Trading assets	13,625		12,610		11,978		13,981		12,459
Loans	75,195		73,096		71,404		71,570		69,451
Allowance for loan losses	(272)		(275)		(295)		(294)		(296)
Net loans	74,923		72,821		71,109		71,276		69,155
Premises and equipment	3,549		3,289		3,257		3,266		3,380
Accrued interest receivable	1,426		1,348		1,302		1,293		1,319
Goodwill	16,773		16,823		16,661		16,598		16,338
Intangible assets	2,834		2,849		2,846		2,851		2,824
Other assets	28,341		30,056		27,235		25,690		26,127
Total assets	$	455,312	$	485,781	$	440,691	$	416,064	$	427,461
Liabilities
Deposits	$	314,697	$	346,393	$	308,644	$	289,524	$	296,438
Federal funds purchased and securities sold under repurchase agreements	16,585		15,492		15,663		14,064		14,574
Trading liabilities	3,499		6,134		4,580		4,865		4,553
Payables to customers and broker-dealers	23,638		21,273		22,244		20,073		19,741
Commercial paper	2,364		2,361		1,662		301		301
Other borrowed funds	283		293		212		225		401
Accrued taxes and other expenses	4,920		4,634		4,438		5,270		5,138
Other liabilities	12,678		11,233		8,756		9,124		10,726
Long-term debt	32,287		33,429		30,869		30,854		33,199
Total liabilities	410,951		441,242		397,068		374,300		385,071
Temporary equity
Redeemable noncontrolling interests	111		111		94		87		107
Permanent equity
Preferred stock	4,836		5,331		5,331		4,343		4,343
Common stock	14		14		14		14		14
Additional paid-in capital	29,795		29,659		29,535		29,321		29,230
Retained earnings	45,346		44,388		43,343		42,537		41,756
Accumulated other comprehensive loss, net of tax	(3,362)		(3,549)		(4,115)		(4,656)		(3,867)
Less: Treasury stock, at cost	(32,750)		(31,893)		(30,989)		(30,241)		(29,484)
Total The Bank of New York Mellon Corporation shareholders’ equity	43,879		43,950		43,119		41,318		41,992
Nonredeemable noncontrolling interests of consolidated investment management funds	371		478		410		359		291
Total permanent equity	44,250		44,428		43,529		41,677		42,283
Total liabilities, temporary equity and permanent equity	$	455,312	$	485,781	$	440,691	$	416,064	$	427,461


THE BANK OF NEW YORK MELLON CORPORATION
FEE AND OTHER REVENUE

											3Q25 vs.								YTD25 vs.
(dollars in millions)	3Q25		2Q25		1Q25		4Q24		3Q24		2Q25		3Q24		YTD25		YTD24		YTD24
Investment services fees	$	2,585	$	2,583	$	2,411	$	2,438	$	2,344	—	%	10	%	$	7,579	$	6,981	9	%
Investment management and performance fees:
Investment management fees (a)	776		748		734		788		781		4		(1)		2,258		2,300		(2)
Performance fees	6		10		5		20		13		N/M		N/M		21		31		N/M
Total investment management and performance fees (b)	782		758		739		808		794		3		(2)		2,279		2,331		(2)
Foreign exchange revenue	166		213		156		177		175		(22)		(5)		535		511		5
Financing-related fees	67		51		60		53		53		31		26		178		163		9
Distribution and servicing fees	37		36		37		37		38		3		(3)		110		121		(9)
Total fee revenue	3,637		3,641		3,403		3,513		3,404		—		7		10,681		10,107		6
Investment and other revenue:
Income (loss) from consolidated investment management funds	23		35		6		(5)		28		N/M		N/M		64		51		N/M
Seed capital gains (losses) (c)	8		8		(6)		3		3		N/M		N/M		10		17		N/M
Other trading revenue	73		59		71		89		79		N/M		N/M		203		225		N/M
Renewable energy investment gains	19		15		15		5		6		N/M		N/M		49		20		N/M
Corporate/bank-owned life insurance	41		35		38		47		36		N/M		N/M		114		90		N/M
Other investments gains (d)	7		26		24		8		12		N/M		N/M		57		59		N/M
Disposal gains	12		—		40		—		—		N/M		N/M		52		—		N/M
Expense reimbursements from joint venture	36		34		31		29		32		N/M		N/M		101		89		N/M
Other income	19		7		11		14		17		N/M		N/M		37		31		N/M
Net securities (losses)	(30)		(35)		—		(50)		(17)		N/M		N/M		(65)		(35)		N/M
Total investment and other revenue	208		184		230		140		196		N/M		N/M		622		547		N/M
Total fee and other revenue	$	3,845	$	3,825	$	3,633	$	3,653	$	3,600	1	%	7	%	$	11,303	$	10,654	6	%
(a) Excludes seed capital gains (losses) related to consolidated investment management funds.
(b) On a constant currency basis, investment management and performance fees decreased 2% (Non-GAAP) compared with 3Q24. See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 18 for the reconciliation of this Non-GAAP measure.
(c) Includes gains (losses) on investments in BNY funds which hedge deferred incentive awards.
(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
	3Q25					2Q25					1Q25					4Q24					3Q24
	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	$	94,533	3.69	%		$	99,426	3.73	%		$	86,038	3.84	%		$	94,337	4.18	%		$	100,611	4.62	%
Interest-bearing deposits with banks	10,980		2.97			11,199		3.10			10,083		3.39			10,479		3.54			10,559		4.15
Federal funds sold and securities purchased under resale agreements	40,885		30.66		(a)	39,522		32.23		(a)	41,166		28.79		(a)	37,939		31.22		(a)	31,183		36.65		(a)
Loans	72,692		5.80			71,265		5.81			69,670		5.80			69,211		6.17			69,205		6.57
Securities:
U.S. government obligations	31,754		3.59			29,279		3.63			26,614		3.49			27,223		3.47			28,490		3.71
U.S. government agency obligations	61,174		3.40			62,874		3.36			63,514		3.27			63,166		3.31			62,572		3.26
Other securities	54,986		3.61			54,610		3.58			51,403		3.62			49,675		3.76			48,647		4.00
Total investment securities	147,914		3.52			146,763		3.49			141,531		3.44			140,064		3.50			139,709		3.61
Trading securities (b)	7,489		5.02			7,367		4.84			6,199		5.29			5,738		6.13			5,667		5.33
Total securities (b)	155,403		3.59			154,130		3.56			147,730		3.52			145,802		3.61			145,376		3.68
Total interest-earning assets (b)	$	374,493	6.98	%		$	375,542	7.03	%		$	354,687	6.97	%		$	357,768	7.18	%		$	356,934	7.40	%
Noninterest-earning assets	62,998					63,066					61,157					62,576					59,463
Total assets	$	437,491				$	438,608				$	415,844				$	420,344				$	416,397

Liabilities and equity
Interest-bearing liabilities:
Interest-bearing deposits	$	248,016	2.90	%		$	250,688	2.95	%		$	234,394	2.98	%		$	235,281	3.27	%		$	236,724	3.82	%
Federal funds purchased and securities sold under repurchase agreements	16,242		69.11		(a)	17,485		65.95		(a)	17,566		60.25		(a)	17,599		60.52		(a)	16,584		62.85		(a)
Trading liabilities	3,333		4.40			2,821		4.94			2,063		4.56			1,887		4.61			1,844		4.83
Other borrowed funds	243		4.63			432		5.06			288		5.93			484		2.32			418		3.15
Commercial paper	3,268		4.63			2,511		4.56			1,279		4.51			2,336		4.83			1,474		5.50
Payables to customers and broker-dealers	16,434		4.34			15,494		4.19			15,142		4.21			13,672		4.77			12,737		5.29
Long-term debt	32,503		5.53			31,805		5.64			31,216		5.57			31,506		5.58			33,154		5.93
Total interest-bearing liabilities	$	320,039	6.64	%		$	321,236	6.74	%		$	301,948	6.66	%		$	302,765	6.92	%		$	302,935	7.36	%
Total noninterest-bearing deposits	51,310					49,610					48,141					51,207					47,962
Other noninterest-bearing liabilities	21,674					24,073					23,808					24,790					24,122
Total The Bank of New York Mellon Corporation shareholders’ equity	43,974					43,223					41,542					41,266					41,115
Noncontrolling interests	494					466					405					316					263
Total liabilities and equity	$	437,491				$	438,608				$	415,844				$	420,344				$	416,397
Net interest margin			1.31	%				1.27	%				1.30	%				1.32	%				1.16	%
Net interest margin (FTE) – Non-GAAP (c)			1.31	%				1.27	%				1.30	%				1.32	%				1.16	%
(a) Includes the average impact of offsetting under enforceable netting agreements of approximately $241 billion for 3Q25, $247 billion for 2Q25, $224 billion for 1Q25, $208 billion for 4Q24 and $179 billion for 3Q24. 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 4.45% for 3Q25, 4.45% for 2Q25, 4.46% for 1Q25, 4.82% for 4Q24 and 5.43% for 3Q24. 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 4.36% for 3Q25, 4.36% for 2Q25, 4.37% for 1Q25, 4.73% for 4Q24 and 5.32% for 3Q24. 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 18 for the reconciliation of this Non-GAAP measure.


THE BANK OF NEW YORK MELLON CORPORATION
CAPITAL AND LIQUIDITY

	2025									2024
(dollars in millions)	Sept. 30			June 30			March 31			Dec. 31			Sept. 30
Consolidated regulatory capital ratios: (a)
Standardized Approach:
CET1 capital	$	20,645		$	20,149		$	19,505		$	18,759		$	19,687
Tier 1 capital	25,471			25,472			24,783			23,039			23,972
Total capital	27,079			27,243			26,581			24,818			25,865
Risk-weighted assets	176,645			175,668			169,262			167,786			165,652

CET1 ratio	11.7		%	11.5		%	11.5		%	11.2		%	11.9		%
Tier 1 capital ratio	14.4			14.5			14.6			13.7			14.5
Total capital ratio	15.3			15.5			15.7			14.8			15.6

Advanced Approaches:
CET1 capital	$	20,645		$	20,149		$	19,505		$	18,759		$	19,687
Tier 1 capital	25,471			25,472			24,783			23,039			23,972
Total capital	26,733			26,897			26,246			24,535			25,534
Risk-weighted assets	169,017			168,748			162,234			160,472			163,858

CET1 ratio	12.2		%	11.9		%	12.0		%	11.7		%	12.0		%
Tier 1 capital ratio	15.1			15.1			15.3			14.4			14.6
Total capital ratio	15.8			15.9			16.2			15.3			15.6

Tier 1 leverage ratio: (a)
Average assets for Tier 1 leverage ratio	$	419,077		$	420,131		$	397,513		$	402,069		$	398,381
Tier 1 leverage ratio	6.1		%	6.1		%	6.2		%	5.7		%	6.0		%

SLR: (a)
Leverage exposure	$	377,574		$	369,838		$	359,666		$	353,523		$	342,942
SLR	6.7		%	6.9		%	6.9		%	6.5		%	7.0		%

Average liquidity coverage ratio (a)	112		%	112		%	116		%	115		%	116		%
Average net stable funding ratio (a)	130		%	131		%	132		%	132		%	132		%
(a) Regulatory capital and liquidity ratios for Sept. 30, 2025 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 Sept. 30, 2025, June 30, 2025, March 31, 2025 and Dec. 31, 2024 was the Standardized Approach, and for Sept. 30, 2024 was the Standardized Approach for the CET1 and Tier 1 capital ratios and the Advanced Approaches for the Total capital ratio.


THE BANK OF NEW YORK MELLON CORPORATION
SECURITIES SERVICES BUSINESS SEGMENT

																3Q25 vs.										YTD25 vs.
(dollars in millions)	3Q25			2Q25			1Q25			4Q24			3Q24			2Q25		3Q24		YTD25			YTD24			YTD24
Revenue:
Investment services fees:
Asset Servicing	$	1,141		$	1,094		$	1,062		$	1,042		$	1,021		4	%	12	%	$	3,297		$	3,052		8	%
Issuer Services	313			376			267			295			285			(17)		10		956			868			10
Total investment services fees	1,454			1,470			1,329			1,337			1,306			(1)		11		4,253			3,920			8
Foreign exchange revenue	143			175			136			147			137			(18)		4		454			405			12
Other fees (a)	73			60			65			62			57			22		28		198			172			15
Total fee revenue	1,670			1,705			1,530			1,546			1,500			(2)		11		4,905			4,497			9
Investment and other revenue	119			94			140			97			105			N/M		N/M		353			308			N/M
Total fee and other revenue	1,789			1,799			1,670			1,643			1,605			(1)		11		5,258			4,805			9
Net interest income	670			675			630			681			609			(1)		10		1,975			1,787			11
Total revenue	2,459			2,474			2,300			2,324			2,214			(1)		11		7,233			6,592			10
Provision for credit losses	(3)			(13)			8			15			15			N/M		N/M		(8)			23			N/M
Noninterest expense (ex. amortization of intangible assets)	1,649			1,613			1,578			1,659			1,550			2		6		4,840			4,627			5
Amortization of intangible assets	7			7			6			7			7			—		—		20			21			(5)
Total noninterest expense	1,656			1,620			1,584			1,666			1,557			2		6		4,860			4,648			5
Income before income taxes	$	806		$	867		$	708		$	643		$	642		(7)	%	26	%	$	2,381		$	1,921		24	%


Total revenue by line of business:
Asset Servicing	$	1,915		$	1,870		$	1,786		$	1,797		$	1,720		2	%	11	%	$	5,571		$	5,075		10	%
Issuer Services	544			604			514			527			494			(10)		10		1,662			1,517			10
Total revenue by line of business	$	2,459		$	2,474		$	2,300		$	2,324		$	2,214		(1)	%	11	%	$	7,233		$	6,592		10	%

Financial ratios:
Pre-tax operating margin	33		%	35		%	31		%	28		%	29		%					33		%	29		%

Memo: Securities lending revenue (b)	$	62		$	56		$	52		$	52		$	47		11	%	32	%	$	170		$	139		22	%
(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

											3Q25 vs.								YTD25 vs.
(dollars in millions, unless otherwise noted)	3Q25		2Q25		1Q25		4Q24		3Q24		2Q25		3Q24		YTD25		YTD24		YTD24
Selected balance sheet data:
Average loans	$	10,706	$	11,327	$	11,347	$	11,553	$	11,077	(5)	%	(3)	%	$	11,124	$	11,128	—	%
Average assets (a)	$	202,454	$	206,552	$	194,901	$	200,277	$	199,057	(2)	%	2	%	$	201,330	$	195,552	3	%
Average deposits	$	183,081	$	185,831	$	175,854	$	180,843	$	180,500	(1)	%	1	%	$	181,615	$	177,904	2	%

Selected metrics:
AUC/A at period end (in trillions) (b)(c)	$	41.7	$	40.1	$	38.1	$	37.7	$	37.5	4	%	11	%
Market value of securities on loan at period end (in billions) (d)	$	554	$	516	$	504	$	488	$	484	7	%	14	%

Issuer Services
Total debt serviced at period end (in trillions)	$	14.5	$	14.3	$	13.9	$	14.1	$	14.3	1	%	1	%
Number of sponsored Depositary Receipts programs at period end	477		482		488		499		507		(1)	%	(6)	%
(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, 2025 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 $2.1 trillion at Sept. 30, 2025, $2.0 trillion at June 30, 2025, $1.9 trillion at March 31, 2025, $1.8 trillion at Dec. 31, 2024 and $1.9 trillion at Sept. 30, 2024.
(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 $81 billion at Sept. 30, 2025, $68 billion at June 30, 2025, $62 billion at March 31, 2025, $60 billion at Dec. 31, 2024 and $67 billion at Sept. 30, 2024.


THE BANK OF NEW YORK MELLON CORPORATION
MARKET AND WEALTH SERVICES BUSINESS SEGMENT

																3Q25 vs.										YTD25 vs.
(dollars in millions)	3Q25			2Q25			1Q25			4Q24			3Q24			2Q25		3Q24		YTD25			YTD24			YTD24
Revenue:
Investment services fees:
Pershing	$	508		$	513		$	503		$	516		$	475		(1)	%	7	%	$	1,524		$	1,431		6	%
Treasury Services	214			209			209			206			200			2		7		632			586			8
Clearance and Collateral Management	398			385			362			364			354			3		12		1,145			1,021			12
Total investment services fees	1,120			1,107			1,074			1,086			1,029			1		9		3,301			3,038			9
Foreign exchange revenue	31			30			29			27			23			3		35		90			70			29
Other fees (a)	70			63			65			61			58			11		21		198			174			14
Total fee revenue	1,221			1,200			1,168			1,174			1,110			2		10		3,589			3,282			9
Investment and other revenue	22			36			21			19			20			N/M		N/M		79			60			N/M
Total fee and other revenue	1,243			1,236			1,189			1,193			1,130			1		10		3,668			3,342			10
Net interest income	524			506			497			474			415			4		26		1,527			1,255			22
Total revenue	1,767			1,742			1,686			1,667			1,545			1		14		5,195			4,597			13
Provision for credit losses	(3)			(6)			4			9			7			N/M		N/M		(5)			10			N/M
Noninterest expense (ex. amortization of intangible assets)	894			897			865			851			833			—		7		2,656			2,498			6
Amortization of intangible assets	1			—			1			1			1			N/M		N/M		2			3			N/M
Total noninterest expense	895			897			866			852			834			—		7		2,658			2,501			6
Income before income taxes	$	875		$	851		$	816		$	806		$	704		3	%	24	%	$	2,542		$	2,086		22	%


Total revenue by line of business:
Pershing	$	729		$	739		$	719		$	705		$	649		(1)	%	12	%	$	2,187		$	1,982		10	%
Treasury Services	510			490			477			471			424			4		20		1,477			1,266			17
Clearance and Collateral Management	528			513			490			491			472			3		12		1,531			1,349			13
Total revenue by line of business	$	1,767		$	1,742		$	1,686		$	1,667		$	1,545		1	%	14	%	$	5,195		$	4,597		13	%


Financial ratios:
Pre-tax operating margin	50		%	49		%	48		%	48		%	46		%					49		%	45		%
(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

											3Q25 vs.								YTD25 vs.
(dollars in millions, unless otherwise noted)	3Q25		2Q25		1Q25		4Q24		3Q24		2Q25		3Q24		YTD25		YTD24		YTD24
Selected balance sheet data:
Average loans	$	46,278	$	44,262	$	42,986	$	42,217	$	42,730	5	%	8	%	$	44,520	$	41,303	8	%
Average assets (a)	$	137,103	$	135,119	$	129,244	$	126,919	$	122,526	1	%	12	%	$	133,851	$	123,619	8	%
Average deposits	$	97,497	$	96,566	$	91,905	$	90,980	$	88,856	1	%	10	%	$	95,343	$	89,918	6	%

Selected metrics:
AUC/A at period end (in trillions) (b)(c)	$	15.8	$	15.4	$	14.7	$	14.1	$	14.3	3	%	10	%

Pershing
AUC/A at period end (in trillions) (b)	$	3.0	$	2.8	$	2.7	$	2.7	$	2.7	7	%	11	%
Net new assets (U.S. platform) (in billions) (d)	$	3	$	(10)	$	11	$	41	$	(22)	N/M		N/M
Daily average revenue trades (“DARTs”) (U.S. platform) (in thousands)	269		334		298		254		251		(19)	%	7	%
Average active clearing accounts (in thousands)	8,387		8,405		8,406		8,260		8,085		—	%	4	%

Treasury Services
Average daily U.S. dollar payment volumes	246,286		246,250		244,673		250,714		242,243		—	%	2	%

Clearance and Collateral Management
Average collateral balances (in billions)	$	7,275	$	7,061	$	6,576	$	6,463	$	6,380	3	%	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, 2025 information is preliminary.
(c) Consists of AUC/A from the Clearance and Collateral Management and Pershing 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.
N/M – Not meaningful.


THE BANK OF NEW YORK MELLON CORPORATION
INVESTMENT AND WEALTH MANAGEMENT BUSINESS SEGMENT

																3Q25 vs.										YTD25 vs.
(dollars in millions)	3Q25			2Q25			1Q25			4Q24			3Q24			2Q25		3Q24		YTD25			YTD24			YTD24
Revenue:
Investment management fees (a)	$	776		$	748		$	735		$	789		$	782		4	%	(1)	%	$	2,259		$	2,304		(2)	%
Performance fees	6			10			5			20			13			N/M		N/M		21			31			N/M
Investment management and performance fees (b)	782			758			740			809			795			3		(2)		2,280			2,335			(2)
Distribution and servicing fees	69			69			68			68			68			—		1		206			207			—
Other fees (c)	(78)			(76)			(75)			(64)			(68)			N/M		N/M		(229)			(192)			N/M
Total fee revenue	773			751			733			813			795			3		(3)		2,257			2,350			(4)
Investment and other revenue (d)	10			9			5			13			9			N/M		N/M		24			37			N/M
Total fee and other revenue (d)	783			760			738			826			804			3		(3)		2,281			2,387			(4)
Net interest income	41			41			41			47			45			—		(9)		123			129			(5)
Total revenue	824			801			779			873			849			3		(3)		2,404			2,516			(4)
Provision for credit losses	—			—			2			—			1			N/M		N/M		2			4			N/M
Noninterest expense (ex. amortization of intangible assets) (a)	636			649			710			695			668			(2)		(5)		1,995			2,067			(3)

Amortization of intangible assets	4			4			4			5			4			—		—		12			13			(8)
Total noninterest expense	640			653			714			700			672			(2)		(5)		2,007			2,080			(4)
Income before income taxes	$	184		$	148		$	63		$	173		$	176		24	%	5	%	$	395		$	432		(9)	%


Total revenue by line of business:
Investment Management (a)	$	546		$	531		$	505		$	585		$	569		3	%	(4)	%	$	1,582		$	1,694		(7)	%
Wealth Management	278			270			274			288			280			3		(1)		822			822			—
Total revenue by line of business	$	824		$	801		$	779		$	873		$	849		3	%	(3)	%	$	2,404		$	2,516		(4)	%

Financial ratios:
Pre-tax operating margin	22		%	19		%	8		%	20		%	21		%					16		%	17		%
Adjusted pre-tax operating margin – Non-GAAP (e)	24		%	20		%	9		%	22		%	23		%					18		%	19		%

Selected balance sheet data:
Average loans	$	14,143		$	13,991		$	13,537		$	13,718		$	13,648		1	%	4	%	$	13,892		$	13,574		2	%
Average assets (f)	$	27,247		$	27,114		$	26,402		$	26,706		$	26,525		—	%	3	%	$	26,924		$	26,277		2	%
Average deposits	$	9,201		$	9,216		$	9,917		$	9,967		$	10,032		—	%	(8)	%	$	9,442		$	10,798		(13)	%
(a) Effective 1Q25, an adjustment for certain rebates, which were previously recorded as distribution and servicing expense, began to be reflected as a reduction of investment management fees. These amounts totaled approximately $20 million for all quarterly periods presented and impacted the year-over-year variances for investment management fees and related revenue subtotals, noninterest expense and Investment Management total revenue in the table above.
(b) On a constant currency basis, investment management and performance fees decreased 2% (Non-GAAP) compared with 3Q24. See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 18 for the reconciliation of this Non-GAAP measure.
(c) Other fees primarily include investment services fees.
(d) 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.
(e) Net of distribution and servicing expense. See “Explanation of GAAP and Non-GAAP Financial Measures” beginning on page 18 for the reconciliation of this Non-GAAP measure.
(f) 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

												3Q25 vs.										YTD25 vs.
(dollars in billions)	3Q25			2Q25		1Q25		4Q24		3Q24		2Q25		3Q24		YTD25			YTD24			YTD24
AUM by product type: (a)(b)
Equity	$	180		$	168	$	156	$	162	$	173	7	%	4	%
Fixed income	257			248		234		221		235		4		9
Index	512			488		470		491		498		5		3
Liability-driven investments	537			588		549		548		637		(9)		(16)
Multi-asset and alternative investments	181			173		167		171		175		5		3
Cash	475			441		432		436		426		8		12
Total AUM	$	2,142		$	2,106	$	2,008	$	2,029	$	2,144	2	%	—	%

Changes in AUM: (a)(b)
Beginning balance of AUM	$	2,106		$	2,008	$	2,029	$	2,144	$	2,045					$	2,029		$	1,974
Net inflows (outflows):
Long-term strategies:
Equity	(8)			(3)		(3)		(5)		(2)						(14)			(10)
Fixed income	7			5		2		(2)		4						14			20
Liability-driven investments	(23)			—		1		(11)		(4)						(22)			13
Multi-asset and alternative investments	(1)			(4)		(2)		(2)		(6)						(7)			(13)
Total long-term active strategies (outflows) inflows	(25)			(2)		(2)		(20)		(8)						(29)			10
Index	(8)			(22)		(11)		(7)		(16)						(41)			(35)
Total long-term strategies (outflows)	(33)			(24)		(13)		(27)		(24)						(70)			(25)
Short-term strategies:
Cash	34			7		(5)		12		24						36			33
Total net inflows (outflows)	1			(17)		(18)		(15)		—						(34)			8
Net market impact	30			70		(25)		(45)		58						75			114
Net currency impact	(10)			45		22		(55)		41						57			30
Other	15		(c)	—		—		—		—						15		(c)	18		(d)
Ending balance of AUM	$	2,142		$	2,106	$	2,008	$	2,029	$	2,144	2	%	—	%	$	2,142		$	2,144		—	%

Wealth Management client assets (a)(e)	$	348		$	339	$	327	$	327	$	333	3	%	5	%
(a) Sept. 30, 2025 information is preliminary.
(b) Represents assets managed in the Investment and Wealth Management business segment.
(c) Reflects a change in methodology beginning in the third quarter of 2025 to include assets under advisement.
(d) Reflects the realignment of similar products and services within our lines of business. Refer to Form 8-K dated March 26, 2024 for further information.
(e) Includes AUM and AUC/A in the Wealth Management line of business.


THE BANK OF NEW YORK MELLON CORPORATION
SECURITIES PORTFOLIO

(dollars in millions)	June 30, 2025			3Q25 change in unrealized gain (loss)		Sept. 30, 2025					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	$	44,277		$	497	$	47,630	$	44,964		94	%	$	(2,666)		17	%		100	%	—	%	—	%	—	%		—	%
Non-U.S. government (d)	34,047			(48)		34,405		34,314			100		(91)			22			94		5		—		1			—
U.S. Treasury	29,732			125		33,050		32,839			99		(211)			40			100		—		—		—			—
Agency commercial MBS	9,935			66		9,937		9,666			97		(271)			44			100		—		—		—			—
Foreign covered bonds	8,443			3		8,513		8,499			100		(14)			33			100		—		—		—			—
CLOs	8,061			5		8,093		8,097			100		4			100			100		—		—		—			—
U.S. government agencies	4,906			39		4,289		4,095			95		(194)			27			100		—		—		—			—
Non-agency commercial MBS	2,369			22		2,305		2,210			96		(95)			46			100		—		—		—			—
Non-agency RMBS	1,427			11		1,536		1,407			92		(129)			39			100		—		—		—			—
Other asset-backed securities	426			4		426		402			94		(24)			21			100		—		—		—			—
Other debt securities	10			—		11		10			91		(1)			—			—		—		—		—			100
Total securities	$	143,633		$	724	$	150,195	$	146,503	(e)	98	%	$	(3,692)	(f)	31	%		99	%	1	%	—	%	—	%		—	%
(a) Amortized cost includes the impact of hedged item basis adjustments, which was a net decrease of $801 million, and is net of allowance for credit losses.
(b) Includes the impact of hedges.
(c) Represents ratings by S&P, or the equivalent.
(d) Includes supranational securities.
(e) The fair value of available-for-sale securities totaled $99,989 million at Sept. 30, 2025, or 68% of the securities portfolio. The fair value of the held-to-maturity securities totaled $46,514 million at Sept. 30, 2025, or 32% of the securities portfolio.
(f) At Sept. 30, 2025, includes pre-tax net unrealized losses of $667 million related to available-for-sale securities, net of hedges, and $3,025 million related to held-to-maturity securities. The after-tax unrealized losses, net of hedges, related to available-for-sale securities was $506 million and the after-tax equivalent related to held-to-maturity securities was $2,307 million.
Note: At Sept. 30, 2025, the accretable discount relating to securities was $1,614 million. Including the discontinued hedges, net accretion was $106 million in 3Q25.


THE BANK OF NEW YORK MELLON CORPORATION
ALLOWANCE FOR CREDIT LOSSES AND NONPERFORMING ASSETS

	2025									2024
(dollars in millions)	Sept. 30			June 30			March 31			Dec. 31			Sept. 30
Allowance for credit losses – beginning of period:
Allowance for loan losses	$	275		$	295		$	294		$	296		$	286
Allowance for lending-related commitments	70			75			72			75			73
Allowance for other financial instruments (a)	34			31			26			30			37
Allowance for credit losses – beginning of period	$	379		$	401		$	392		$	401		$	396

Net (charge-offs) recoveries:
Charge-offs	(5)			(10)			(10)			(30)			(18)
Recoveries	1			5			1			1			—
Total net (charge-offs)	(4)			(5)			(9)			(29)			(18)
Provision for credit losses (b)	(7)			(17)			18			20			23
Allowance for credit losses – end of period	$	368		$	379		$	401		$	392		$	401

Allowance for credit losses – end of period:
Allowance for loan losses	$	272		$	275		$	295		$	294		$	296
Allowance for lending-related commitments	63			70			75			72			75
Allowance for other financial instruments (a)	33			34			31			26			30
Allowance for credit losses – end of period	$	368		$	379		$	401		$	392		$	401

Allowance for loan losses as a percentage of total loans	0.36		%	0.38		%	0.41		%	0.41		%	0.43		%

Nonperforming assets	$	160		$	161		$	213		$	179		$	211
(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.

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.

BNY has also included the adjusted pre-tax operating margin – Non-GAAP, which is the pre-tax operating margin for the Investment and Wealth Management business segment, net of distribution and servicing expense that was passed to third parties who distribute or service our managed funds. We believe that this measure is useful when evaluating the performance of the Investment and Wealth Management business segment relative to industry competitors.

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.

Notes:


Returns on common and tangible common equity ratios are annualized.



Return on common equity and tangible common equity reconciliation
(dollars in millions)	3Q25			2Q25			1Q25			4Q24			3Q24			YTD25			YTD24
Net income applicable to common shareholders of The Bank of New York Mellon Corporation – GAAP	$	1,339		$	1,391		$	1,149		$	1,130		$	1,110		$	3,879		$	3,206
Add: Amortization of intangible assets	12			11			11			13			12			34			37
Less: Tax impact of amortization of intangible assets	3			2			3			3			3			8			9
Adjusted net income applicable to common shareholders of The Bank of New York Mellon Corporation, excluding amortization of intangible assets – Non-GAAP	$	1,348		$	1,400		$	1,157		$	1,140		$	1,119		$	3,905		$	3,234

Average common shareholders’ equity	$	38,626		$	37,892		$	36,980		$	36,923		$	36,772		$	37,839		$	36,242
Less: Average goodwill	16,787			16,748			16,615			16,515			16,281			16,718			16,250
Average intangible assets	2,842			2,850			2,849			2,846			2,827			2,847			2,836
Add: Deferred tax liability – tax deductible goodwill	1,236			1,236			1,226			1,221			1,220			1,236			1,220
Deferred tax liability – intangible assets	665			668			666			665			656			665			656
Average tangible common shareholders’ equity – Non-GAAP	$	20,898		$	20,198		$	19,408		$	19,448		$	19,540		$	20,175		$	19,032

Return on common equity – GAAP	13.7		%	14.7		%	12.6		%	12.2		%	12.0		%	13.7		%	11.8		%
Return on tangible common equity – Non-GAAP	25.6		%	27.8		%	24.2		%	23.3		%	22.8		%	25.9		%	22.7		%


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	2025									2024
(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	$	43,879		$	43,950		$	43,119		$	41,318		$	41,992
Less: Preferred stock	4,836			5,331			5,331			4,343			4,343
The Bank of New York Mellon Corporation common shareholders’ equity at period end – GAAP	39,043			38,619			37,788			36,975			37,649
Less: Goodwill	16,773			16,823			16,661			16,598			16,338
Intangible assets	2,834			2,849			2,846			2,851			2,824
Add: Deferred tax liability – tax deductible goodwill	1,236			1,236			1,226			1,221			1,220
Deferred tax liability – intangible assets	665			668			666			665			656
The Bank of New York Mellon Corporation tangible common shareholders’ equity at period end – Non-GAAP	$	21,337		$	20,851		$	20,173		$	19,412		$	20,363

Period-end common shares outstanding (in thousands)	697,349			705,241			715,434			717,680			727,078

Book value per common share – GAAP	$	55.99		$	54.76		$	52.82		$	51.52		$	51.78
Tangible book value per common share – Non-GAAP	$	30.60		$	29.57		$	28.20		$	27.05		$	28.01



Net interest margin reconciliation
(dollars in millions)	3Q25			2Q25			1Q25			4Q24			3Q24
Net interest income – GAAP	$	1,236		$	1,203		$	1,159		$	1,194		$	1,048
Add: Tax equivalent adjustment	—			1			—			1			—
Net interest income (FTE) – Non-GAAP	$	1,236		$	1,204		$	1,159		$	1,195		$	1,048

Average interest-earning assets	$	374,493		$	375,542		$	354,687		$	357,768		$	356,934

Net interest margin – GAAP (a)	1.31		%	1.27		%	1.30		%	1.32		%	1.16		%
Net interest margin (FTE) – Non-GAAP (a)	1.31		%	1.27		%	1.30		%	1.32		%	1.16		%
(a) Net interest margin is annualized.


THE BANK OF NEW YORK MELLON CORPORATION
EXPLANATION OF GAAP AND NON-GAAP FINANCIAL MEASURES
Pre-tax operating margin reconciliation - Investment and Wealth Management business segment
(dollars in millions)	3Q25			2Q25			1Q25			4Q24			3Q24			YTD25			YTD24
Income before income taxes – GAAP	$	184		$	148		$	63		$	173		$	176		$	395		$	432

Total revenue – GAAP	$	824		$	801		$	779		$	873		$	849		$	2,404		$	2,516
Less: Distribution and servicing expense	68			64			65			88			91			197			275
Adjusted total revenue, net of distribution and servicing expense – Non-GAAP	$	756		$	737		$	714		$	785		$	758		$	2,207		$	2,241

Pre-tax operating margin – GAAP (a)	22		%	19		%	8		%	20		%	21		%	16		%	17		%
Adjusted pre-tax operating margin, net of distribution and servicing expense – Non-GAAP (a)	24		%	20		%	9		%	22		%	23		%	18		%	19		%
(a) Income before income taxes divided by total revenue.



Constant currency reconciliations							3Q25 vs.
(dollars in millions)	3Q25			3Q24			3Q24
Consolidated:
Investment management and performance fees – GAAP	$	782		$	794		(2)		%
Impact of changes in foreign currency exchange rates	—			7
Adjusted investment management and performance fees – Non-GAAP	$	782		$	801		(2)		%


Investment and Wealth Management business segment:
Investment management and performance fees – GAAP	$	782		$	795		(2)		%
Impact of changes in foreign currency exchange rates	—			7
Adjusted investment management and performance fees – Non-GAAP	$	782		$	802		(2)		%


Table of Contents




Consolidated Results						Page
Consolidated Financial Highlights						3
Condensed Consolidated Income Statement						4
Condensed Consolidated Balance Sheet						5
Fee and Other Revenue						6
Average Balances and Interest Rates						7
Capital and Liquidity						8

Business Segment Results
Securities Services Business Segment						9
Market and Wealth Services Business Segment						11
Investment and Wealth Management Business Segment						13
AUM by Product Type, Changes in AUM and Wealth Management Client Assets						14
Other Segment						15

Other
Securities Portfolio						16
Allowance for Credit Losses and Nonperforming Assets						17

Supplemental Information
Explanation of GAAP and Non-GAAP Financial Measures						18


The Bank of New York Mellon Corporation

Financial Supplement

Third Quarter 2025