M&T Bank (MTB) 2026 RBC Capital Markets Global Financial Institutions Conference summary

Key achievements and financial performance

• Achieved record profits and earnings per share in 2025, driven by strong fee income rather than balance sheet growth.

• Significant off-balance sheet commercial real estate activity exceeded $6 billion originated, reflecting a shift in business model.

• Investments in capital markets and customer services matured, contributing to diversified income streams.

Strategic priorities and operational improvements

• Two main priorities: operational excellence and teaming for growth, aiming to improve profitability and firm strength.

• Re-engineered contact centers and customer complaints processes, leveraging AI to reduce resolution times from a week to minutes.

• Focused on breaking down silos to deliver a full suite of products to customers more cohesively.

Technology transformation

• Tech spend tripled over seven years, from $400 million to $1.2 billion, reallocating resources for modernization.

• Shifted from isolated tech projects to integrated teams of engineers and data scientists, improving resiliency and reducing outages by 80%.

• Increased in-house tech workforce to over 80% and boosted system release frequency by 300%.