美国制商银行M&T Bank（MTB）2025年第二季度业绩报告「NYSE」（英文版）（18页）.pdf

1、News Release One M&T Plaza,Buffalo,NY 14203July 16,2025M&T Bank Corporation(NYSE:MTB)announces second quarter 2025 results M&T Bank Corporation(M&T or the Company)reports quarterly net income of$716 million or$4.24 of diluted earnings per common share.(Dollars in millions,except per share data)2Q251

2、Q252Q24Earnings HighlightsNet interest income$1,713$1,695$1,718 Taxable-equivalent adjustment9 12 13 Net interest income-taxable-equivalent1,722 1,707 1,731 Provision for credit losses125 130 150 Noninterest income683 611 584 Noninterest expense1,336 1,415 1,297 Net income716 584 655 Net income avai

3、lable to common shareholders-diluted679 547 626 Diluted earnings per common share4.24 3.32 3.73 Return on average assets-annualized 1.37%1.14%1.24%Return on average common shareholders equity-annualized 10.39 8.36 9.95 Average Balance SheetTotal assets$210,261$208,321$211,981 Interest-bearing deposi

4、ts at banks19,698 19,695 29,294 Investment securities35,335 34,480 29,695 Loans135,407 134,844 134,588 Deposits163,406 161,220 163,491 Borrowings14,263 14,154 16,452 Selected Ratios(Amounts expressed as a percent,except per share data)Net interest margin 3.62%3.66%3.59%Efficiency ratio(1)55.2 60.5 5

5、5.3 Net charge-offs to average total loans-annualized.32 .34 .41 Allowance for loan losses to total loans 1.61 1.63 1.63 Nonaccrual loans to total loans 1.16 1.14 1.50 Common equity Tier 1(CET1)capital ratio(2)10.98 11.50 11.45 Common shareholders equity per share$166.94$163.62$153.57(1)A reconcilia

6、tion of non-GAAP measures is included in the tables that accompany this release.(2)CET1 capital ratio at June 30,2025 is estimated.Financial HighlightsTaxable-equivalent net interest income increased$15 million in the recent quarter as compared with the first quarter of 2025 reflectingan additional