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Investor Presentaiton

Reconciliation of GAAP and Non-GAAP Measures Average Assets $ in millions Average assets Goodwill Core deposit and other intangible assets Deferred taxes Average tangible assets Average Common Equity 2017 2018 2019 2020 2021 2022 4Q21 3Q22 4Q22 $ (4,593) (4,593) 120,860 $ 116,959 $ 119,584 $ 135,480 $ 152,669 $ (4,593) (4,593) (4,593) 190,252 (7,537) $ 157,722 $201,131 $ 198,592 (4,593) (8,501) (8,494) (86) 33 (59) 16 (38) 10 (21) 5 (8) 2 (179) 43 (5) 1 (236) 56 (218) 54 $ 116,214 $ 112,323 $ 114,963 $ 130,871 $ 148,070 $ 182,579 $ 153,125 $ 192,450 $ 189,934 $ in millions Average common equity $ Goodwill 15,063 $ (4,593) 14,398 $ (4,593) 14,446 $ (4,593) 14,741 $ (4,593) 15,471 $ (4,593) 21,864 (7,537) $ 15,863 $ (4,593) 23,654 $ 23,335 (8,501) (8,494) Core deposit and other intangible assets (86) Deferred taxes 33 (59) 16 (38) 10 (21) 5 (8) 2 (179) 43 (5) 1 (236) 56 (218) 54 Average tangible common equity $ 10,417 $ 9,762 $ 9,825 $ 10,132 $ 10,872 $ 14,191 $ 11,266 $ 14,973 $ 14,677 25 Notes: Numbers may not foot due to rounding Average Common Equity ex AOCI $ in millions Average Common Equity Goodwill Core deposit and other intangible assets Deferred taxes Average Tangible Common Equity 4Q 2022 $23,335 (8,494) (218) 54 $14,677 Less: Average accumulated comprehensive income (879) Average TCE less AOCI $15,556 M&T Bank Corporation
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