Investor Presentaiton

19 Solid Performance in Key Metrics against Peers ROTCE % (ex-AOCI) Net Interest Margin Efficiency Ratio 4Q22 4Q22 4Q22 PPNR/RWA 4Q22 NCO Loans 4Q22 Peer 1 MTB MTB 20.1% Peer 1 Peer 2 4.1% Peer 1 Peer 5 Peer 1 Peer 6 MTB 3.0% Peer 7 Peer 6 Peer 4 Peer 4 Peer 3 Peer 5 Peer 6 Peer 2 Peer 4 Peer 7 Peer 7 Peer 5 Peer 2 Peer 2 MTB 0.12% Peer 11 Peer 6 Peer 2 Peer 7 Peer 5 Peer 6 Peer 4 MTB 53.3% Peer 3 Peer 9 Peer 7 Peer 9 Peer 3 Peer 8 Peer 3 Peer 9 Peer 5 Peer 4 Peer 8 Peer 8 Peer 9 Peer 10 Peer 8 Peer 9 Peer 1 Peer 10 Peer 8 Peer 11 Peer 10 Peer 3 Peer 11 Peer 11 Peer 10 Peer 11 Peer 10 Note: All earnings annualized and operating except for PPNR. ROTCE, efficiency, and PPNR are non-GAAP measures and are reconciled in the appendix. Source: S&P Global Market Intelligence and company filings M&T Bank Corporation

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