Investor Presentaiton

15 Our Focus on Customers, Communities and Innovation Pays Dividends When our customers and communities succeed, we all succeed Customer Focused • Long lasting relationships Designated 118 multicultural banking branches since 2020, furthering our mission to be a culturally fluent bank for all communities 69 DOLLARS Community Engagement • $1.5 billion in community development loans, lines of credit, & investments in 2021 40 hours of paid volunteer time available to employees yearly • $279 million in charitable contributions to not-for-profits between 2012 and 2021 • Introduced $43B, 5-year Community Growth Plan supporting LMI households and communities of color in 2021 • Launched $25 million Amplify Fund supporting organizations in marginalized communities in 2022 Business Support • Won 115 Greenwich Excellence awards in Small Business between 2011 and 2022 • Ranked #6 SBA Lender in the country in FY22 • 91% of M&T Small Business customers rated M&T as excellent or above average in overall satisfaction in FY 2021 • Expanded the Multicultural Small Business Innovation Lab in 2022 to provide multicultural business owners with guidance and skills to scale and operate their businesses Note: All data points except SBA and Greenwich are for 2021. SBA rankings are for 2022. Top Rankings • Highest possible CRA rating from Federal Reserve since 1982 #1 or #2 SBA lender in 10 out of 16 markets in FY2022 • 3 Greenwich Excellence Awards & 1 Best Brand Award in Small Business Banking in 2022 • Ranked #11 in Excellence Awards for Small Business Banking in 2022 M&T Bank Corporation

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