1、Earnings Results1st Quarter 2025April 14,20252This 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