Item 16. FORM 10-K SUMMARY

Not applicable.

State Street Corporation | 188

EXHIBIT INDEX


			3.1						Restated Articles of Organization, as amended

			3.2						By-laws, as amended (filed as Exhibit 3.1 to State Street ’s Current Report on Form 8-K (File No.001-07511) filed with the SEC on December 16, 2022 and incorporated herein by reference)

			4.1						Description of Securities Registered under Section 12 of the Exchange Act


			4.2						Deposit Agreement dated April 11, 2016, among State Street Corporation, American Stock Transfer & Trust Company, LLC (as depositary) and the holders from time to time of depositary receipts (filed as Exhibit 4.1 to State Street ’s Current Report on Form 8-K (File No. 001-7511) dated April 11, 2016 filed with the SEC on April 11, 2016 and incorporated herein by reference)

			4.3						Deposit Agreement, dated January 31, 2024, among State Street Corporation, Equiniti Trust Company, LLC (as depositary), and the holders from time to time of the depositary receipts (filed as Exhibit 4.3 to State Street's Current Report on Form 8-K (File No. 001-07511), filed with the SEC on January 31, 2024 and incorporated herein by reference)

			4 .4						Deposit Agreement, dated July 24, 2024, among State Street Corporation, Equiniti Trust Company, LLC (as depositary), and the holders from time to time of the depositary receipts (filed as Exhibit 4.3 to State Street's Current Report on Form 8-K (File No. 001-07511), filed with the SEC on July 24, 2024 and incorporated herein by reference)

			4.5						Deposit Agreement dated February 6, 2025, among State Street Corporation, Equiniti Trust Company LLC (as depositary), and the holders from time to time of the depositary receipts (filed as Exhibit 4.3 to State Street’s Current Report on Form 8-K (File No. 001-07511), filed with the SEC on February 6, 2025 and incorporated herein by reference)
									(Note: None of the instruments defining the rights of holders of State Street’s outstanding long-term debt are in respect of indebtedness in excess of 10% of the total assets of State Street and its subsidiaries on a consolidated basis. State Street hereby agrees to furnish to the SEC upon request a copy of any other instrument with respect to long-term debt of State Street and its subsidiaries.)


			10.1†						State Street ’s Executive Supplemental Retirement Plan, as amended and restated, and First, Second and Third Amendments thereto (filed as Exhibit 10.2 to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2020 filed with the SEC on February 19, 2021 and incorporated herein by reference)

			10.2†						Supplemental Cash Incentive Plan, as amended, First and Second Amendments thereto, and form of award agreement thereunder (filed as Exhibit 10.1 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 202 4 filed with the SEC on May 2, 2024 and incorporated herein by reference)

			10.3 A †						State Street ’s Amended and Restated 2017 Stock Incentive Plan (filed as Exhibit 99.1 to State Street ’s Current Report on Form 8-K (File No. 001-07511) filed with the SEC on May 19, 2023 and incorporated herein by reference)

			10.3 B †						F orms of Deferred Stock A ward and Cash-Settled Restric ted S tock Unit Awar d A greements under State Street ’s Ame nded and Restated 2017 Stock Incentive Plan (filed as Exhibit 10.2 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 202 4 filed with the SEC on May 2, 2024 and incorporated herein by reference)

			10.3C†						Form of Restricted Stock Unit Award Agreement with Performance Criteria under State Street’s Amended and Restated 2017 Stock Incentive Plan

			10.3D†						State Street’s Performance-Based Restricted Stock Units Risk Adjustment Guidelines for EVPs in EMEA, effective December 20, 2024

			10.4†						State Street’s Management Supplemental Savings Plan, Amended and Restated Effective as of September 1, 2024 (“MSSP”) (filed as Exhibit 4.3 to State Street’s Registration Statement on Form S-8 filed with the SEC on September 20, 2024 and incorporated herein by reference)

			10.5 †						State Street’s Rabbi Trust Agreement applicable to the MSSP dated June 1, 2002 (filed as Exhibit 10.2 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended September 30, 2024 filed with the SEC on October 31, 2024 and incorporated herein by reference)

State Street Corporation | 189


			10.6 †						Deferred Compensation Plan for Directors of State Street Corporation, Restated January 1, 2007, as amended (filed as Exhibit 10.12 to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2011 filed with the SEC on February 27, 2012 and incorporated herein by reference)

			10.7 †						Deferred Compensation Plan for Directors of State Street Corporation, Restated January 1, 2021, as amended (filed as Exhibit 10.1 to State Street ’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended June 30, 2020 filed with the SEC on July 27, 2020 and incorporated herein by reference)

			10.8						Deferred Prosecution Agreement dated January 17, 2017 between State Street Corporation and the U.S. Department of Justice and United States Attorney for the District of Massachusetts (filed as Exhibit 10.14 to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2016 filed with the SEC on February 17, 2017 and incorporated herein by reference)

			10.9						Deferred Prosecution Agreement dated May 13, 2021 between State Street Corporation and the Office of the United States Attorney for the District of Massachusetts (filed as Exhibit 10.1 to State Street ’s Current Report on Form 8-K (File No. 001-07511) filed with the SEC on May 14, 2021 and incorporated herein by reference)

			10.10 †						Description of compensation arrangements for non-employee directors filed as Exhibit 10.2 to State Street ’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended June 30, 2022 filed with the SEC on July 28, 2022 and incorporated herein by reference)

			10.1 1 †						State Street’s Rabbi Trust Agreement applicable to various nonqualified deferred compensation plans, dated June 1, 200 2 , as amended effective January 1, 2013 (filed as Exhibit 10.22 to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2017 filed with the SEC on February 26, 2018 and incorporated herein by reference)


			10.1 2A †						Form of Indemnification Agreement between State Street Corporation and each of its directors (filed as Exhibit 10.18A to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)

			10.1 2 B†						Form of Indemnification Agreement between State Street Corporation and each of its executive officers (filed as Exhibit 10.18B to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)

			10.1 2 C†						Form of Indemnification Agreement between State Street Bank and Trust Company and each of its directors (filed as Exhibit 10.18C to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)

			10.1 2 D†						Form of Indemnification Agreement between State Street Bank and Trust Company and each of its executive officers (filed as Exhibit 10.18D to State Street ’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)


			10.13†						Form of employment agreement for executive officers in the United States and Germany


			10.14†						Employment Letter Agreement entered into with Bradford Hu dated October 20, 2021 (filed as Exhibit 10.3 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 2024 filed with the SEC on May 2, 2024 and incorporated herein by reference)

			10.15†						Employment Letter Agreement entered into with Joerg Ambrosius effective March 31, 2019

			10.16†						Role-Based Allowance Agreements entered into with Joerg Ambrosius dated May 5, 2022 and September 9, 2024

			10.1 7 †						Employment Letter Agreement entered into with Yie-Hsin Hung dated September 9, 2022 (filed as Exhibit 10.13 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2023 filed with the SEC on February 15, 2024 and incorporated herein by reference)




			10.1 8 †						Employment Letter Agreement entered into with Eric Aboaf dated September 22, 2016 (filed as Exhibit 10.1 to State Street's Current Report on Form 8-K (File No. 001-07511) dated September 28, 2016 filed with the SEC on September 28, 2016 and incorporated herein by reference)

State Street Corporation | 190


	10.1 9 †	State Street Corporation Incentive Compensation Program, Effective January 1, 2022 , (filed as Exhibit 10.17 to State Street ’s Annual Report on Form 10-K (File No. 001-7511) for the year ended December 31, 2022 filed with the SEC on February 16, 2023 and incorporated herein by reference)

	10.20 †	State Street Corporation Cash Award Plan, Effective January 1, 2019 (filed as Exhibit 10.25 to State Street's Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2018 filed with the SEC on February 21, 2019 and incorporated herein by reference)

	19	Securities Trading Policy

	21	Subsidiaries of State Street Corporation

	23	Consent of Independent Registered Public Accounting Firm



	31.1	Rule 13a-14(a)/15d-14(a) Certification of Chairman, Chief Executive Officer and President

	31.2	Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer

	32	Section 1350 Certifications

	97	State Street Compensation Recovery Policy

	101.INS	The instance document does not appear in the interactive data file because its XBRL tags are embedded within the inline XBRL document

*	101.SCH	Inline XBRL Taxonomy Extension Schema Document

*	101.CAL	Inline XBRL Taxonomy Calculation Linkbase Document

*	101.DEF	Inline XBRL Taxonomy Extension Definition Linkbase Document

*	101.LAB	Inline XBRL Taxonomy Label Linkbase Document

*	101.PRE	Inline XBRL Taxonomy Presentation Linkbase Document

*	104	Cover Page Interactive Data File (formatted as Inline XBRL and included within the Exhibit 101 attachments)


†						Denotes management contract or compensatory plan or arrangement
*						Submitted electronically herewith

Attached as Exhibit 101 to this report are the following formatted in iXBRL (Inline Extensible Business Reporting Language): (i) consolidated statement of income for the years ended December 31, 2024, 2023 and 2022, (ii) consolidated statement of comprehensive income for the years ended December 31, 2024, 2023 and 2022, (iii) consolidated statement of condition as of December 31, 2024 and 2023, (iv) consolidated statement of changes in shareholders’ equity for the years ended December 31, 2024, 2023 and 2022, (v) consolidated statement of cash flows for the years ended December 31, 2024, 2023 and 2022, and (vi) notes to consolidated financial statements.

State Street Corporation | 191

SIGNATURES

Pursuant to the requirement of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, on February 13, 2025, hereunto duly authorized.


			STATE STREET CORPORATION

			By			/s/ ERIC W. ABOAF
						ERIC W. ABOAF,
						Vice Chairman and Chief Financial Officer

			By			/s/ ELIZABETH M. SCHAEFER
						ELIZABETH M. SCHAEFER,
						Senior Vice President and Chief Accounting Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below on February 13, 2025, by the following persons on behalf of the registrant and in the capacities indicated.

OFFICERS:


/s/ RONALD P. O’HANLEY									/s/ ERIC W. ABOAF
RONALD P. O’HANLEY,									ERIC W. ABOAF,
Chairman, Chief Executive Officer and President									Vice Chairman and Chief Financial Officer

									/s/ ELIZABETH M. SCHAEFER
									ELIZABETH M. SCHAEFER,
									Senior Vice President and Chief Accounting Officer

DIRECTORS:







/s/ MARIE A. CHANDOHA									/s/ WILLIAM L. MEANEY
MARIE A. CHANDOHA									WILLIAM L. MEANEY

/s/ DONNALEE A. DEMAIO									/s/ RONALD P. O’HANLEY
DONNALEE A. DEMAIO									RONALD P. O’HANLEY

/s/ PATRICK de SAINT-AIGNAN									/s/ SEAN P. O’SULLIVAN
PATRICK de SAINT-AIGNAN									SEAN P. O’SULLIVAN

/s/ AMELIA C. FAWCETT									/s/ JULIO A. PORTALATIN
AMELIA C. FAWCETT									JULIO A. PORTALATIN

/s/ WILLIAM C. FREDA									/s/ JOHN B. RHEA
WILLIAM C. FREDA									JOHN B. RHEA

/s/ PATRICIA M. HALLIDAY									/s/ GREGORY L. SUMME
PATRICIA M. HALLIDAY									GREGORY L. SUMME

/s/ SARA MATHEW
SARA MATHEW

State Street Corporation | 192

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