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Investor Presentaiton

7 Key Ratios Superior Pre-Credit Earnings 2017 2018 2019 2020 2021 2022 4Q '21 3Q '22 4Q '22 Net Interest Margin 3.47% 3.83% 3.84% 3.16% 2.76% 3.39% (1) Efficiency Ratio - Operating 55.07% 54.79% 55.66% 56.35% 59.02% 56.62% (1) PPNR 2,492 2,640 2,723 2,570 2,380 3,128 2.58% 59.71% 585 3.68% 53.57% 53.27% 4.06% 963 1,101 (1) PPNR to RWA 2.53% 2.72% 2.70% 2.44% 2.27% 2.42% 2.24% 2.64% 2.97% Strong Credit Metrics Allowance to Loans (As At) 1.16% 1.15% 1.16% 1.76% 1.58% 1.46% 1.58% 1.46% 1.46% Net Charge-Offs to Loans 0.16% 0.15% 0.16% 0.26% 0.20% 0.13% 0.13% 0.20% 0.12% Focused on Returns Net Operating Return on: Tangible Assets (1)(2) Tangible Common Equity (1)(2) 1.23% 1.72% 1.69% 1.04% 1.28% 1.35% 13.00% 19.09% 19.08% 12.79% 16.80% 16.70% 1.23% 1.44% 1.70% 15.98% 17.89% 21.29% Consistent Capital Generation Tangible Common Equity to Tangible Assets 9.10% 8.31% 8.55% 7.49% 7.68% Common Equity Tier 1 Ratio 10.99% 10.13% 9.73% 10.00% 11.42% Tier 1 Capital Ratio 12.26% 11.38% 10.94% 11.17% 13.11% 7.63% 10.44% 11.79% 7.68% 7.70% 7.63% 11.42% 10.75% 10.44% 13.11% 12.13% 11.79% Balance Sheet (As At) Loans to Deposits Securities to Assets 95.19% 98.13% 12.37% 10.57% 95.94% 7.92% 82.25% 4.94% 70.63% 4.61% 80.46% 12.56% 70.63% 4.61% 78.26% 80.46% 12.43% 12.56% Notes: (1) The Efficiency Ratio and Pre-provision Net Revenue are non-GAAP financial measures. The Efficiency Ratio reflects non-interest expense (excluding amortization expense associated with intangible assets and merger-related expenses) as a percentage of fully taxable-equivalent net interest income and non-interest revenues (excluding gains or losses from securities transactions and merger-related gains) (2) Excludes merger-related gains and expenses and amortization expense associated with intangible assets. M&T Bank Corporation
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