Bank of New York Mellon Corp

“a global financial services platforms company headquartered in New York, New York, with $59.3 trillion in assets under custody and/or administration and $2.2 trillion in assets under management as of Dec. 31, 2025”

“BNY SA/NV has its principal office in Brussels and branches in Amsterdam, the Netherlands; Copenhagen, Denmark; Dublin, Ireland; Frankfurt, Germany; the City of Luxembourg, Luxembourg; Madrid, Spain; Milan, Italy; Paris, France; and Wroclaw, Poland.”

“We have four other U.S. bank and/or trust company subsidiaries concentrating on trust products and services across the United States”

“Our two principal U.S. banking subsidiaries engage in trust and custody activities, investment management services, banking services and various securities-related activities.”

“We divide our businesses into three principal business segments: Securities Services, Market and Wealth Services and Investment and Wealth Management.”

“an Other segment, which includes the corporate treasury activities (including our securities portfolio), tax credit investments and other corporate investments, corporate and bank-owned life insurance, derivatives and other trading activity, and certain business exits.”

“which houses our Securities Services businesses, including Asset Servicing and Issuer Services and certain Market and Wealth Services businesses, including Payments and Trade and Clearance and Collateral Management, as well as the bank-advised business of Investment Management”

“a national bank, which houses our Wealth Management business and certain activities of our Pershing businesses.”

“approximately 48,100 full-time employees... approximately 60% of our total employees (full-time and part-time employees) were based outside the U.S., with approximately 10,100 employees in Europe, the Middle East and Africa ("EMEA"), approximately 18,000 employees in the Asia-Pacific region ("APAC") and approximately 700 employees in other global locations, primarily Brazil.”

“In 2025, The Bank of New York Mellon Corporation again provided eligible employees an award of 10 restricted stock units or "BK Shares."”

“Competition is based on a number of factors including, among others, customer service and convenience, transaction execution, capital or access to capital, quality and range of products and services offered, performance, technological innovation and expertise, including adaptation to technological change, price, reputation and lending limits.”

“competes with domestic and international investment management and wealth management firms, hedge funds, investment banking companies and other financial services companies, including trust banks, brokerage firms and insurance companies”

“as well as a wide range of technology service providers, such as financial services data processing firms”

“KPMG LLP's Public Company Accounting Oversight Board firm identification number is 185.”

“Our corporate headquarters, located at 240 Greenwich Street in New York City, is a 23-story building of approximately 1.2 million square feet that we own.”

“We have additional offices and commercial space in the U.S. and elsewhere in the Americas, primarily Brazil and Canada, which together consist of approximately 4.4 million square feet of leased and owned space.”

“Mr. Vince has served as Chairman of BNY's Board of Directors since September 2025 and as President and Chief Executive Officer of BNY since September 2022.”

“The deposits of our U.S. banking subsidiaries are insured by the Federal Deposit Insurance Corporation to the extent provided by law.”

“The information required by this Item is set forth in the Annual Report under "MD&A – Risk Factors," which portion is incorporated herein by reference.”