Company: BK-PK
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001390777-25-000159
Chunk: 3

Company: Bank of New York Mellon Corp
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 4
Chunk 3
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 if our expectations of future economic conditions deteriorate; •our business, financial condition and results of operations could be adversely affected if we do not effectively manage our liquidity; •failure to satisfy regulatory standards, including “well capitalized” and “well managed” status or capital adequacy and liquidity rules more generally, could result in limitations on our activities and adversely affect our business and financial condition; •the Parent is a non-operating holding company and, as a result, is dependent on dividends from its subsidiaries and extensions of credit from its IHC to meet its obligations, including with respect to its securities, and to provide funds for share repurchases, payment of income taxes and payment of dividends to its stockholders; •our ability to return capital to shareholders is subject to the discretion of our Board of Directors and may be limited by U.S. banking laws and regulations, including those governing capital and capital planning, applicable provisions of Delaware law and our failure to pay full and timely dividends on our preferred stock; •any material reduction in our credit ratings or the credit ratings of our principal bank subsidiaries, The Bank of New York Mellon, BNY Mellon, N.A. or The Bank of New York Mellon SA/NV, could increase the cost of funding and borrowing to us and our rated subsidiaries and have a material adverse effect on our business, financial condition and results of operations and on the value of the securities we issue;•the application of our Title I preferred resolution strategy or resolution under the Title II orderly liquidation authority could adversely affect the Parent’s liquidity and financial condition and the Parent’s security holders; •new lines of business, new products and services or transformational or strategic project initiatives subject us to new or additional risks, and the failure to implement these initiatives could affect our results of operations; •our strategic transactions present risks and uncertainties and could have an adverse effect on our business, financial condition and results of operations; •we may not realize some or all of the expected benefits of our transition to a platforms operating model; •we are subject to competition in all aspects of our business, which could negatively affect our ability to maintain or increase our profitability; •our businesses may be negatively affected by adverse events, publicity, government scrutiny or other reputational harm; 

100 BNY

Forward-looking Statements (continued)

•impacts from geopolitical events, acts of terrorism, war, natural disasters, the physical effects of climate change, pandemics and other similar events may have a negative impact on our business and operations; •sustainability concerns, including a focus on