The company said its outlook for 4Q25 calls for taxable-equivalent net interest income of about $1.8 billion, a net interest margin of about 3.70%, and fee income of $670 to $690 million. It said average loans are expected to be $137 to $138 billion and average deposits $163 to $164 billion.

1. 01

   The company said its outlook for 4Q25 calls for taxable-equivalent net interest income of about $1.8 billion, a net interest margin of about 3.70%, and fee income of $670 to $690 million. It said average loans are expected to be $137 to $138 billion and average deposits $163 to $164 billion.

2. 02

   M&T said its Common Equity Tier 1 Ratio was 10.99% and its Tier 1 Capital Ratio was 12.49% as of 3Q25 year to date. It said it raised its quarterly per share dividend from $1.35 to $1.50 in 3Q25, and gave its 4Q25 CET1 ratio as 10.75% to 11.00%.

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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