Investor Presentaiton

A Bank for Communities & Making a Difference - Our ESG Commitment ESG Accomplishments and Highlights since Last Year Established Renewable Energy and Carbon Reduction Targets Joined the Partnership for Carbon Accounting Financials (PCAF) • 2021 ESG report included Inaugural TCFD (1) disclosure Second SASB(2) report Built a Centralized ESG Team Defined Board and Management ESG Governance Completed our 1st Materiality Assessment Environment 0 3 • $638.4 million funded in renewable energy projects over the past three years $173.8 million in financing provided for renewable energy projects in 2021 • 18% reduction in our total electricity usage since 2017 Social Governance • 21% reduction in Scope 1 and 2 GHG emissions since 2019 • $33.9 million awarded in charitable contributions • • $1.7 billion in lending to projects containing affordable housing Designated as one of the Best Places to Work for LGBTQ+ Equality by the Human Rights Campaign Foundation and one of the Best Places to Work for Disability Inclusion in the 2021 Disability Equality Index 94% of Board members were independent(3) • 41% of Board members represented diverse groups (3) We are committed to complying with the highest standards of business ethics and integrity 16 Note: The above highlights can be found in our 2021 ESG report. A copy of this report can be found on our website at https://ir.mtb.com/esg-report 1) TCFD = Task Force on Climate-related Financial Disclosures and 2) SASB = Sustainability Accounting Standards Board 3) Data per proxy statement M&T Bank Corporation

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