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1、News Release One M&T Plaza,Buffalo,NY 14203April 14,2025M&T Bank Corporation(NYSE:MTB)announces first quarter 2025 results M&T Bank Corporation(M&T or the Company)reports quarterly net income of$584 million or$3.32 of diluted earnings per common share.(Dollars in millions,except per share data)1Q254

2、Q241Q24Earnings HighlightsNet interest income$1,695$1,728$1,680 Taxable-equivalent adjustment12 12 12 Net interest income-taxable-equivalent1,707 1,740 1,692 Provision for credit losses130 140 200 Noninterest income611 657 580 Noninterest expense1,415 1,363 1,396 Net income584 681 531 Net income ava

3、ilable to common shareholders-diluted547 644 505 Diluted earnings per common share3.32 3.86 3.02 Return on average assets-annualized 1.14%1.28%1.01%Return on average common shareholders equity-annualized 8.36 9.75 8.14 Average Balance SheetTotal assets$208,321$211,853$211,478 Interest-bearing deposi

4、ts at banks19,695 23,602 30,647 Investment securities34,480 33,679 28,587 Loans and leases134,844 135,723 133,796 Deposits161,220 164,639 164,065 Borrowings14,154 14,228 16,001 Selected Ratios(Amounts expressed as a percent,except per share data)Net interest margin 3.66%3.58%3.52%Efficiency ratio(1)

5、60.5 56.8 60.8 Net charge-offs to average total loans-annualized.34 .47 .42 Allowance for credit losses to total loans 1.63 1.61 1.62 Nonaccrual loans to total loans 1.14 1.25 1.71 Common equity Tier 1(CET1)capital ratio(2)11.50 11.68 11.08 Common shareholders equity per share$163.62$160.90$150.90(1

6、)A reconciliation of non-GAAP measures is included in the tables that accompany this release.(2)CET1 capital ratio at March 31,2025 is estimated.Financial HighlightsNet interest margin widened to 3.66%in the recent quarter as compared with 3.58%in the fourth quarter of 2024 reflecting lowerlevels of