M&T Bank Corporation posted an investor presentation dated March 4, 2025 to its website and filed it as Exhibit 99.1. The company said it may use the presentation in conversations with investors and analysts.

1. 01

   M&T Bank Corporation posted an investor presentation dated March 4, 2025 to its website and filed it as Exhibit 99.1. The company said it may use the presentation in conversations with investors and analysts.

2. 02

   M&T said its outlook for 2025 calls for taxable-equivalent net interest income of $7.1 billion to $7.2 billion, fee income of $2.5 billion to $2.6 billion, GAAP expense of $5.4 billion to $5.5 billion, and net charge-offs of ~40 basis points of average loans.

3. 03

   The company said its Common Equity Tier 1 ratio was 11.68% and its Tangible Common Equity to Tangible Assets ratio was 9.07% as of year-end 2024. It said it is targeting a ~11% CET1 ratio in 2025 and has flexibility in share repurchases depending on loan and RWA trends.

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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