Strong fee growth and proportion …

• Share returns: Were carried out in the amount of 1.1 billion US dollars in stock returns in the second quarter.

• Factual book value per share: Increased by 1%.

• Fee income growth: Since the second quarter of 2024, it increased by 11%, except security profits and losses and other remarkable objects.

• Efficiency relationship: 55.2% for the second quarter.

• Net regulations: 32 basis points under the expectations of the year as a whole.

• Watered GAAP result per share: 4.24 USD, compared to $ 3.32 in the previous quarter.

• Net income: 116 million US dollars compared to 584 million US dollars in the previous quarter.

• Rendite of the assets (ROA): 1.37%.

• Rendite of common equity (Roce): 10.39%.

• Netto operating result: 724 million US dollars, compared to 594 million US dollars in the previous quarter.

• Netto operating result per share: USD 4.28, compared to $ 3.38 in the previous quarter.

• Net interest income: 1.72 billion US dollars, an increase of 1% compared to the previous quarter.

• Net interest rate: 3.62%, a decline of 4 basis points compared to the previous quarter.

• Average loans and lease: Rose by $ 135.4 billion by USD 0.6 billion.

• Average total deposits: Rose by 2.2 to 163.4 billion US dollars.

• Non -interest income: 683 million US dollars, compared to 611 million US dollars in the previous quarter.

• Non -interest expenses: 1.34 billion US dollars, a decrease of 79 million US dollars compared to the previous quarter.

• Output for loan losses: 1.61% of the total loan.

• Criticized loans: Decreased by 1 billion US dollars or 11%.

• Common Equity Tier 1 (CET1) ratio: Estimated at 10.98% at the end of Q2.

Appearance date: July 16, 2025

You can find the complete copy of the earnings call in the complete earnings call.

• In the second quarter, the M&T Bank Corp (NYSE: MTB) carried out a share buyback of 1.1 billion US dollars and increased the shareholder value.

• The bank recorded growth of the material book value per share by 1%, which indicates strong financial health.

• The fee result increased by 11% compared to the previous year and shows a robust performance in non -interest interest flows.

• The quality of the assets improved by 11% by reducing commercial criticism and reflects effective risk management.

• The M&T Bank Corp (NYSE: MTB) achieved a lower stress capital buffer (SCB) of 2.7%compared to 3.8%, which shows resistance and strong profitability.

• The net interest rate span fell by 4 basis points to 3.62%, mainly due to higher costs for interest -bearing deposits and long -term debt.

• Non-Akch loans rose by $ 33 million, which can be attributed to higher CNI-not battery accusations, which indicates some concerns of the assets.

• The allowance for loan losses as a percentage of the total loan decreased, which may indicate potential underprovisioning.

• The bank's CET1 ratio decreased from 11.5% to 10.98% due to the increased capital distributions, including stock returns.

• The M&T Bank Corp (NYSE: MTB) lowered the outlook for net interest rates due to the continuing softness of the commercial and Cre loan.