BNY Mellon

Capital and liquidity are strong: Standardized CET1 11.7%, Tier 1 leverage 6.1%, SLR 6.7%, LCR 112%, NSFR 130%. Credit risk is low relative to balance sheet size with allowance for loan losses at 0.36% of loans; non‑performing assets are modest and CRE reserve coverage is monitored.

The firm passed 2025 stress tests with the minimum SCB of 2.5% and raised its common dividend to $0.53. Liquidity and TLAC metrics exceed requirements. These metrics indicate resilience across cycles and capacity to keep returning capital while investing.