Company Profile For M&T Bank Corporation

M&T Bank Corporation (M&T) is a bank holding company. As of December 31, 2008, the Company had two wholly owned bank subsidiaries: M&T Bank and M&T Bank, National Association (M&T Bank, N.A.). The Banks offer a range of commercial banking, trust and investment services to its customers. M&T Bank operates branch offices in New York, Maryland, Pennsylvania, Delaware, New Jersey, Virginia, West Virginia and the District of Columbia. M&T operates in six segments: Business Banking, Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking and Retail Banking. Effective November 1, 2008, M&T Investment Company of Delaware, Inc., previously a wholly owned subsidiary of M&T Bank, was merged into M&T Bank. On May 23, 2009, M&T announced that it has completed its acquisition of Provident Bankshares Corp. and the merger of Provident Bankshares Corp.'s banking subsidiary, Provident Bank, into M&T Bank.

BRIEF: For the nine months ended 30 September 2009, M&T Bank Corporation's total interest income fell 19% to $2.03B. Net interest income after LLP fell 13% to $1.04B. Net income available to Common fell 54% to $209.1M. Net interest income reflects lower interest income, partially offset by lower interest expense for saving deposits. Net income also reflects increased equipment & net occupancy expenses and higher deposit insurance charges.