The company presented its 2025 outlook for taxable-equivalent net interest income, excluding notable items, of $7.0 billion to $7.15 billion, fee income, excluding notable items, of $2.5 billion to $2.6 billion, and GAAP expenses of $5.4 billion to $5.5 billion.

1. 01

   The company presented its 2025 outlook for taxable-equivalent net interest income, excluding notable items, of $7.0 billion to $7.15 billion, fee income, excluding notable items, of $2.5 billion to $2.6 billion, and GAAP expenses of $5.4 billion to $5.5 billion.

2. 02

   M&T said it expects its CET1 ratio to reach 10.75% to 11% in 2025. It also raised its quarterly dividend per share on 3Q25 from $1.35 to $1.50, and said its stress capital buffer is expected to improve from 3.8% to an estimated 2.7% starting on October 1, 2025.

3. 03

   The company said noninterest income excluding securities gains and losses was $1,294 million in 1H25, up 11% from a year earlier, driven by continued strength in trust and mortgage banking. It said 2Q25 included a $15 million gain on the sale of a CRE loan portfolio and a $10 million gain on the sale of a subsidiary.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call. Some paragraphs were omitted because their support in the source could not be confirmed.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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