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Investor Presentaiton

4 The M&T Story: A High Performing Community-Focused Bank... ...Our Operating Principles Operating Principles Our mission - Our purpose - To make a difference in people's lives We are a bank for communities - committed to improving the lives of our customers and all the communities we touch. Local Scale • Long-term and deep customer relationships • Stable low-cost deposit base with top share in core markets Lead bank share among middle market firms in key communities #1 or 2 share in 10 of 16 SBA districts within footprint Credit Discipline • Long-term credit costs well below industry averages • Particular outperformance in stressed environments • Underwriting standards consistent throughout credit cycles • Operating & Capital Efficiency • Prudent expense management • Lower PPNR and credit volatility supports capital efficiency Return-oriented capital allocation - growth, dividends, buybacks, or acquisitions Our People Talent & Capabilities • Seasoned and broad expertise • Ongoing insourcing of new capabilities Mission Outcomes Customers & Communities M&T Bank Corporation

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