M&T BANK CORP
For the period ended Dec 31, 2024. Filed Feb 19, 2025.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2024 · Filed Feb 19, 2025
MTB$217.75-0.9%Stored close · as of Nov 6, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Glossary of terms
The following listing includes acronyms and terms used throughout the document.
| Term | Definition |
|---|---|
| AI | Artificial Intelligence |
| AML | Anti-Money Laundering |
| ATM | Automated teller machine |
| Basel III | Basel Committee's December 2010 final capital framework for strengthening international capital standards |
| Bayview Financial | Bayview Financial Holdings, L.P. together with its affiliates |
| BHC | Bank holding company |
| BHCA | Bank Holding Company Act of 1956, as amended |
| BLG | Bayview Lending Group, LLC |
| BSA | Bank Secrecy Act |
| Capital Rules | Capital adequacy standards established by the federal banking agencies |
| CCyB | Countercyclical capital buffer |
| CET1 | Common Equity Tier 1 |
| CFPB | Consumer Financial Protection Bureau |
| CISO | Chief Information Security Officer |
| CIT | Collective Investment Trust |
| Common Securities | Common securities issued in connection with the issuance of Junior Subordinated Debentures |
| Company | M&T Bank Corporation and its consolidated subsidiaries |
| COVID-19 | Coronavirus disease 2019 |
| CRA | Community Reinvestment Act of 1977 |
| DIF | Deposit Insurance Fund |
| Dodd-Frank Act | Dodd-Frank Wall Street Reform and Consumer Protection Act |
| DOJ | U.S. Department of Justice |
| DUS | Delegated Underwriting and Servicing |
| EGRRCPA | Economic Growth, Regulatory Relief, and Consumer Protection Act |
| EVE | Economic value of equity |
| Exchange Act | Securities Exchange Act of 1934 |
| Executive ALCO Committee | Executive Asset-Liability Liquidity Capital Committee |
| FASB | Financial Accounting Standards Board |
| FDIA | Federal Deposit Insurance Act |
| FDIC | Federal Deposit Insurance Corporation |
| Federal Reserve | Board of Governors of the Federal Reserve System |
| FHC | Financial Holding Company |
| FHLB | Federal Home Loan Bank |
| FinCEN | Financial Crimes Enforcement Network |
| FOMC | Federal Open Market Committee |
| FRB | Federal Reserve Bank |
| GAAP | Accounting principles generally accepted in the U.S. |
| Term | Definition |
|---|---|
| GDP | Gross Domestic Product |
| IDI | Insured depository institution |
| Incentive Compensation Guidance | Comprehensive guidance on incentive compensation issued by the Federal Reserve |
| Information Security Program | Information Security and Business Continuity Program |
| Junior Subordinated Debentures | Fixed and variable rate junior subordinated deferrable interest debentures |
| LCR | Liquidity Coverage Ratio |
| LTV | Loan-to-value |
| M&T | M&T Bank Corporation |
| M&T Bank | Manufacturers and Traders Trust Company |
| M&T Realty Capital | M&T Realty Capital Corporation |
| MTIA | M&T Insurance Agency, Inc. |
| NSFR | Net stable funding ratio |
| NYSDFS | New York State Department of Financial Services |
| NYSE | New York Stock Exchange |
| OAS | Option adjusted spread |
| OCC | Office of the Comptroller of the Currency |
| OFAC | U.S. Department of the Treasury’s Office of Foreign Assets Control |
| OLA | Orderly Liquidation Authority |
| OLF | Orderly Liquidation Fund |
| PCD | Purchased credit deteriorated |
| People’s United | People’s United Financial, Inc. |
| Preferred Capital Securities | Preferred capital securities issued in connection with the issuance of Junior Subordinated Debentures |
| Registrant | The issuer of the securities for which the registration statement is filed |
| Risk Framework | Enterprise Risk Framework |
| RWA | Risk-weighted assets |
| SCB | Stress capital buffer |
| SEC | Securities and Exchange Commission |
| Securities Act | Securities Act of 1933, as amended |
| SLR | Supplementary leverage ratio |
| SOFR | Secured Overnight Financing Rate |
| Tailoring Rules | Rules adopted by the OCC, Federal Reserve, and FDIC assigning each U.S. BHC with $100 billion or more in total consolidated assets to one of four categories based on size and other risk-based indicators for purposes of determining the applicability of regulatory capital and liquidity requirements and enhanced prudential standards issued by the Federal Reserve |
| U.S. | United States of America |
| Wilmington Trust, N.A. | Wilmington Trust, National Association |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.