The company gave its 4Q25 outlook: taxable-equivalent net interest income of $1.8 billion +/-, NIM of 3.70% +/-, fee income of $670 to $690 million, and GAAP expenses of $1,350 to $1,370 million, including intangible amortization.

1. 01

   The company gave its 4Q25 outlook: taxable-equivalent net interest income of $1.8 billion +/-, NIM of 3.70% +/-, fee income of $670 to $690 million, and GAAP expenses of $1,350 to $1,370 million, including intangible amortization.

2. 02

   M&T said that including AOCI in regulatory capital would have had a 13 basis points impact on its CET1 ratio as of September 30, 2025. It also projected its 4Q25 CET1 ratio at 10.75% to 11%. The quarterly dividend per share on 3Q25 was raised from $1.35 to $1.50.

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

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.