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Investor Presentaiton

Local Scale in Key Markets in M&T Footprint Contiguous Branch Footprint... ...With Market Leading Franchises... Top Northeast Banks by Branches (1) Top 10 MSAs by Deposits tie Brockville Kingston Montelier ERMONT Rank Branches Augu Buffalo 1 1 Bank of America Corp. 1,091 Lake ronto Ontario on Rochester Buffalo YORK Alleny NEW HAMPSHIRE Rochester 1 2 JPMorgan Chase & Co. 1,047 Concord Bridgeport 2 3 M&T Bank Corp. 1,008 Baltimore 2 4 Citizens Financial Group 976 Hartford 2 5 Toronto-Dominion Bank 935 Boston New Haven 2 6 Wells Fargo & Co. 899 Providence Hartford Boston 8 7 PNC Financial Services 834 Bridgeport Stamford Philadelphia 9 8 Truist Financial Corp. 691 PEN IS VAN New York Washington 11 9 Banco Santander SA 482 ah New York 16 10 KeyCorp 431 Ha entor Phaphia Wilmington Baltimore Doger Washington VIRGINIA Richmond M&T Bank (1,008 branches) ... and Dense, Efficient Network Dense Northeast network covers a geography with only a 300-mile radius but approximately 22% of U.S. population and 25% of GDP 12 Source: S&P Global Market Intelligence, FDIC Summary of Deposits (1) Top banks and thrifts by number of branches in Northeast/ Mid-Atlantic regions (CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV). M&T as of 12/31/2022, excludes two domestic branches outside of Northeast footprint M&T Bank Corporation
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