M&T Bank Corporation (MTB) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
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SA Transcripts157.29K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call M&T Bank Corporation (MTB) Goldman Sachs 2025 U.S.
Financial Services Conference December 10, 2025 8:40 AM EST Company Participants Daryl Bible - Senior EVP & CFO Presentation Unknown Analyst All right. We're going to get started. Up next, we are pleased to once again have M&T joining us. M&T had another strong year, highlighted by strong fee income growth, continued expense discipline, continued improvements in credit and returned lots of capital. I think the most in the peer group. Here to tell us how they're going to continue this momentum is CFO, Daryl Bible. Today's presentation is a fireside chat. And for everyone here, I'm sure you saw the company did publish a slide deck last night, where they reiterated their fourth quarter guidance, which we will touch upon shortly, but I just want to make sure that everyone saw that. So welcome, Daryl. Thanks for coming again. Daryl BibleSenior EVP & CFO No. Thanks for inviting us. Happy to be here and excited to talk about '26. Question-and-Answer Session Unknown Analyst Awesome. Well, maybe before we talk about '26, we'll kind of round out '25 here. As I talked about, another solid year, margins increased. We saw some pockets of loan growth. Credit continued to improve as you further derisk criticized and you returned a lot of capital. There were some tweaks to NII because of softer CRE, which we'll touch upon. But maybe just with that as background, talk about what you felt was successful in '25 and how that's positioning the bank for 2026? Daryl BibleSenior EVP & CFO Yes. I think when you looked at it and look at the pieces, you could start with the balance sheet. From a lending perspective, we knew going into the year that CRE would be down early on. We thought it Recommended For You