Slide 1: 3Q 2026 Financial Highlights
1 3Q 2026 Financial Highlights NYSE: STT October 14, 2026 Exhibit 99.3
Slide 2: 3Q26 highlights
2 A Ex-notables and some other metrics (e.g., ROTCE) are non-GAAP presentations; refer to the Appendix for a reconciliation, and further explanations, of non-GAAP measures. There were no notable items in any of 3Q26, 2Q26, or 3Q25. See page 4 for a summary of our 3Q26 financial results, and the Adde
Slide 3: Delivering continued improvement: medium-term targets
3 Pre-tax margin (%) ROTCE (%) FY2023 FY2024 FY2025 2026 YTD 26.4% 27.6% 29.2% 32.7% FY2023 FY2024 FY2025 2026 YTD 18.3% 18.9% 19.6% 23.6% A Pre-tax margin and ROTCE are presented on an ex-notables basis and are non-GAAP presentations; refer to the Addendum and Appendix for a reconciliation, and fur
Slide 4: Summary of 3Q26 financial results
4 Summary of 3Q26 financial results • Total revenue of $4.0B, up 13% – Fee revenue of $3.1B, up 11%, primarily driven by higher Servicing fees, Management fees, and FX trading services revenue, partially offset by lower Other fee revenue, which included the impact of market-related adjustmentsB – NI
Slide 5: Servicing fees
5 Servicing fees Refer to the Appendix included with this presentation for endnotes 1 to 20. 3Q25 4Q25 1Q26 3Q26 $1,357 $1,388 $1,409 $1,492 2Q26 $1,468 +10% +2% 3Q25 4Q25 1Q26 2Q26 3Q26 AUC/A 1 AUC/A ($T) $51.7 $53.8 $54.5 $57.9 $59.2 AUC/A wins ($B) 361 484 365 384 429 AUC/A to be installed ($B) 3
Slide 6: Management fees
6 Management fees Management fees of $797M up 20% YoY and 3% QoQ • Up 20% YoY and 3% QoQ driven by higher average market levels and quarterly long-term net inflows of $69B, partially offset by Cash net outflows of $(62)B1 3Q25 4Q25 1Q26 3Q26 $664 $717 $724 $797 2Q26 $772 +3% +20% 3Q25 4Q25 1Q26 2Q26
Slide 7: FX trading services and Securities finance
7 FX trading services and Securities finance 3Q25 4Q25 1Q26 2Q26 3Q26 $364 $350 $435 $494 $427 +17% -14% 3Q25 4Q25 1Q26 2Q26 3Q26 $138 $127 $116 $151$150 FX trading services ($M) Securities finance ($M) +9% +1% Securities finance of $151M up 9% YoY and 1% QoQ • Up 9% YoY and 1% QoQ largely driven by
Slide 8: Software services
8 3Q25 4Q25 1Q26 2Q26 3Q26 ARR13 $410 $420 $427 $433 $442 New bookings14 9 26 1 5 14 Uninstalled revenue backlog15 145 155 151 152 144 Software services • 3Q26 ARR increased ~8% YoY driven by continued SaaS client implementations and conversions13 • New bookings of $14M, reflecting demand across new
Slide 9: Net interest income
9 Net interest income A Line items are rounded. Refer to the Appendix included with this presentation for endnotes 1 to 20. NII of $864M up 21% YoY and relatively flat QoQ • Up 21% YoY reflecting a 16bps increase in NIM – NIM increased 16bps YoY largely due to an improved funding mix and investment
Slide 10: Expenses
10 Expenses of $2,620M up 8% YoY and down (1)% QoQ – Up 8% YoY primarily driven by higher revenue-related costs and continued strategic investments – Down (1)% QoQ largely reflecting lower performance-based incentive compensation • Compensation and employee benefits of $1,251M – Up 8% YoY mainly due
Slide 11: Capital and liquidity
11 Capital and liquidity • Capital return of $651M to common shareholders; total payout ratio of 63%5 • Standardized CET1 ratio of 11.0% increased 0.2%pts QoQ primarily due to capital generated from earnings and lower RWA, partially offset by continued capital return and a reduction in AOCI • Tier 1
Slide 12: FY2026 updated outlook and key assumptions
12 A Outlook, in particular fee revenue and NII, are, among other things, dependent on macroeconomic, industry and other factors, including, but not limited to, the impacts from changes in interest rates, as well as equity and fixed income markets (which are highly uncertain). Interest rate assumpti
Slide 13: State Street
— STATE = STREET.
Slide 14: Appendix
14 Appendix Reconciliation of notable items 15 Reconciliation of constant currency impacts 16 Endnotes & other information 17 Forward-looking statements 19 Non-GAAP measures 20 Definitions 21
Slide 15: Quarterly reconciliation of notable items
15 Quarterly reconciliation % Change (Dollars in millions, unless noted otherwise) 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 2025 2026 YTD 2026 vs. YTD 2025 Total fee revenue, GAAP-basis 2,570$ 2,719$ 2,829$ 2,862$ 2,960$ 3,188$ 3,140$ 11.0% (1.5)% 8,118$ 9,288$ 14.4% Less: Notable items: Foreign exchange
Slide 16: Reconciliation of constant currency impacts
16 Reconciliation of constant currency impacts Reconciliation of Constant Currency FX Impacts (Dollars in millions) 3Q25 2Q26 3Q26 3Q26 vs. 3Q25 3Q26 vs. 2Q26 3Q26 vs. 3Q25 3Q26 vs. 2Q26 3Q26 vs. 3Q25 3Q26 vs. 2Q26 GAAP basis Servicing fees $ 1,357 $ 1,468 $ 1,492 $ (4) $ (4) $ 1,496 $ 1,496 10.2% 1
Slide 17: Endnotes & other information
17 Endnotes & other information This presentation (and the conference call accompanying it) includes certain highlights of, and also material supplemental to, State Street Corporation’s news release announcing its third quarter 2026 financial results. That news release contains a more detailed discu
Slide 18: Endnotes & other information (cont.)
18 Endnotes & other information (cont.) 10. Organic growth represents growth excluding estimated market and FX impacts. 11. Software services revenue primarily includes revenue from CRD, Alpha Data Platform and Alpha Data Services. Includes Other revenue of $3-5M in each of 3Q25 through 3Q26. Revenu
Slide 19: Forward-looking statements
19 Forward-looking statements This Presentation contains forward-looking statements within the meaning of United States securities laws, including statements about our goals and expectations regarding our strategy, growth and sales prospects, capital management, business, financial and capital condi
Slide 20: Non-GAAP measures
20 Non-GAAP measures In addition to presenting State Street's financial results in conformity with U.S. generally accepted accounting principles, or GAAP, management also presents certain financial information on a basis that excludes or adjusts one or more items from GAAP. This latter basis is a no
Slide 21: Definitions
21 Definitions ARR Annual recurring revenue AUC/A Assets under custody and/or administration AUM Assets under management CET1 ratio Common equity tier 1 ratio CRD Charles River Development Diluted earnings per share (EPS) Net income available to common shareholders divided by diluted average common