M&T Bank (MTB) Investor presentation summary

Strategic vision and purpose

• Focused on making a difference in people's lives through deep relationships and community engagement.

• Committed to customers, communities, colleagues, and shareholders for long-term value creation.

Financial performance highlights

• Diluted EPS rose 25% YoY to $9.44; net income up 14% YoY to $1,482MM in 1H26.

• Return on tangible assets at 1.46% and tangible common equity at 16.5%.

• Net interest margin at 3.70% and efficiency ratio at 55.5%.

• Average quarterly loan growth at highest since 2012, with 2.2% QoQ growth.

Peer comparison and returns

• ROTA and ROTCE consistently in the top quartile among peers.

• Outperformed peer median in key metrics such as net interest margin and asset quality.

• Expectation to reach 17% ROTCE in 2027 as CET1 trends to 10%.