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M&T Bank Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary10 Dec, 2025
2025 performance highlights
Achieved strong fee income growth, up 16% year-over-year, led by mortgage, trust, and treasury management.
Maintained expense discipline and saw continued improvements in credit quality, with criticized and non-accrual levels declining.
Consumer and residential mortgage portfolios grew, offsetting weaker CRE performance.
Specialty C&I and regional markets contributed to loan growth; deposit growth was steady.
Returned significant capital, repurchasing 8.7% of outstanding shares in 2025.
Strategic priorities and technology investments
Focused on expanding markets, simplification, system upgrades, and scaling risk management.
Technology spend has tripled over seven to eight years, with recent focus on resiliency and foundational projects like new data centers and a general ledger system going live in early 2026.
Transitioning to client-facing digital improvements in commercial payments, servicing, and wealth management.
80% of tech is now insourced, with ongoing investments in operational excellence and customer experience.
4Q and 2026 outlook
CRE loan growth returned in 4Q, with production levels rising and payoffs slowing.
Deposit growth continues across all business lines, with operating accounts as a core focus.
Fee income momentum expected to continue, though at a slower pace than 2025.
NII growth in 2026 to be driven by both margin expansion and balance sheet growth, with margin expected in the low 370s.
Deposit beta remains in the low 50s, with further Fed rate cuts anticipated.
How will 'teaming together' boost middle market?
How do you weigh IRR vs. TBV earnback for M&A?
What are the risk characteristics of M&T's NDFI?
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Q4 202516 Jan, 2026
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Frequently asked questions
Stable Regional Bank
M&T Bank Corporation is an American regional financial services company with a significant presence in the Eastern United States. Headquartered in Buffalo, New York, M&T Bank offers a wide range of services, including retail and commercial banking, trust and wealth management, and investment services. Known for its community-oriented approach, the bank has a reputation for strong customer relationships and local decision-making. M&T has a strong historical track record in regard to solid financial performance and dividend payouts. The company is headquartered in Buffalo, New York, and its shares are listed on the NYSE.
Manufacturers and Traders Bank
M&T Bank Corporation was founded in 1856 and has a long-standing history as a trusted financial institution. Originally named Manufacturers and Traders Bank, it was established to serve the business community. Over the decades, M&T has expanded significantly through a combination of organic growth and strategic acquisitions.
M&T has managed to maintain a strong presence in the community banking sector, in large part due to its focus on personalized customer service. Its stability and resilience have been evident in its ability to navigate various economic cycles, including the financial crisis of 2008, where it emerged relatively unscathed compared to many peers and was the only bank in the S&P 500 that did not lower its dividend.
For Individual Clients
M&T Bank offers a comprehensive suite of traditional banking services for individual customers. This includes a variety of checking and savings account options, each designed to meet different financial needs and goals. Its account choices range from basic, easy-to-maintain accounts to those with more features and benefits. For personal financing, M&T provides mortgage services, home equity lines of credit, and personal loans. Additionally, M&T offers wealth management services, including investment solutions, financial planning, and estate services. These services are standard in the industry, and more or less mirrors what's offered by other regional banks such as Comerica, while the company competes against names such as Citigroup and Wells Fargo in the massive American banking industry.
For Businesses
For commercial clients, M&T Bank delivers a robust array of services designed to support business growth and operational efficiency. The bank offers specialized business checking and savings accounts, each structured to cater to different business sizes and needs. For businesses in need of financing services, M&T provides a range of commercial lending options, including term loans, lines of credit, and equipment financing. Additionally, the bank offers merchant services to facilitate payment processing for businesses. M&T also provides sector-specific solutions, with services specially designed to be employed in industries such as healthcare, government, and non-profit organizations.
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