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Investor Presentaiton

Delivering Innovative Capabilities... ...as Technology Transformation Continues Our Technology transformation is centered around Three Key Dimensions 14 {Agility} {Talent} {Capabilities} 00 {Talent} •Pivoted to mostly insourced technologists •Increasing Technology Development Program (TDP) hires •Perpetually upskilling and reskilling our technologists •Leveraging the Tech Academy to grow local non-traditional talent {Agility} •Agile-at-scale methodology •Customer experience led, agile-built, data-driven •Decomposed each business line/division into its enduring capabilities •Monitor speed, efficiency, quality and customer satisfaction {Capabilities} •More resilient, more reliable and more productive ⚫Continuous improvement and "progressive renovation" of core systems •Modernized systems across the bank with more distributed capabilities and cloud •Positioning as great partner for Fintechs M&T Bank Corporation
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