M&T(MTB) - 2024 Q2 - Earnings Call Presentation

7 • Net Operating ROTA increased +23 bps QoQ – Higher nonaccrual interest, partially offset by impact of cash flow hedges – Cost of interest-bearing liabilities remained stable 10 Balance Sheet – Average Loans $ IN BILLIONS $54.5 $54.5 $55.4 $56.8 $58.1 $34.9 $34.3 $33.5 $32.7 $31.5 $23.8 $23.6 $23.3 $23.1 $23.0 $20.3 $20.2 $20.6 $21.2 $22.0 $133.5 $132.6 $132.8 $133.8 $134.6 6.02% 6.19% 6.33% 6.32% 6.38% C&I CRE Residential Mortgage Consumer Total Loans Total Loan Yield 2Q23 3Q23 4Q23 1Q24 2Q24 QoQ Drivers ...