M&T(MTB) - 2023 Q4 - Earnings Call Presentation

Financial Performance - Full Year 2023 - Revenues grew +18% YoY to $9.6 billion[126] - PPNR grew +22% YoY to $4.2 billion[33] Financial Performance - Fourth Quarter 2023 - Revenues declined -8% YoY to $2.3 billion[129] - PPNR declined -9% YoY to $1.0 billion[35] - Diluted EPS declined -36% YoY[15] - Net interest margin declined -18 bps QoQ to 3.61%[130] Balance Sheet - Average deposits increased +$2.0 billion or +1% QoQ[24] - CRE loans declined -2% (-$834 million) QoQ[39] - CET1 capital ratio increased +3 bps to 10.98%[74]