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美国制商银行M&T Bank(MTB)2026年第一季度财务业绩演示报告「NYSE」(英文版)(29页).pdf

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1、Earnings Results1st Quarter 2026April 15,20262This presentation may contain forward-looking statements regarding M&T Bank Corporation(“M&T”)within the meaning of the Private Securities Litigation Reform Act of 1995 and the rules and regulations of the Securities and Exchange Commission(“SEC”).Any st

2、atement that does not describe historical or current facts is a forward-looking statement,including statements based on current expectations,estimates and projections about M&Ts business,and managements beliefs and assumptions.Statements regarding the potential effects of events or factors specific

3、to M&T and/or the financial industry as a whole,as well as national and global events generally,on M&Ts business,financial condition,liquidity and results of operations may constitute forward-looking statements.Such statements are subject to the risk that the actual effects may differ,possibly mater

4、ially,from what is reflected in those forward-looking statements due to factors and future developments that are uncertain,unpredictable and in many cases beyond M&Ts control.Forward-looking statements are typically identified by words such as believe,expect,anticipate,intend,target,estimate,continu

5、e,or potential,by future conditional verbs such as will,would,should,could,or may,or by variations of such words or by similar expressions.These statements are not guarantees of future performance and involve certain risks,uncertainties and assumptions which are difficult to predict and may cause ac

6、tual outcomes to differ materially from what is expressed or forecasted.While there can be no assurance that any list of risks and uncertainties is complete,important factors that could cause actual outcomes and results to differ materially from those contemplated by forward-looking statements inclu

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1. **2026年Q1业绩**:GAAP下净利润6.64亿美元,稀释EPS 4.13美元(同比+24%);净利息收入17.07亿美元,净息差3.71%(环比+2bps)。 2. **非GAAP指标**:净运营收入6.71亿美元,净运营EPS 4.18美元(同比+24%);有形每股账面价值115.96美元(同比+4%)。 3. **资产负债表**:平均贷款1384亿美元(环比+1%),平均存款1643亿美元(环比持平);CET1资本比率10.33%(环比-51bps)。 4. **风险与展望**:信贷损失拨备14亿美元,净核销率0.31%;2026年净利息收入指引72-73.5亿美元,CET1目标10.0%-10.5%。 5. **战略重点**:通过运营卓越和区域整合推动增长,聚焦客户服务、存款增长及财富管理业务。
**M&T业绩亮点?** **银行风险何在?** **股东回报如何?**
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