Company: MTB-PJ
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000036270-25-000011
Chunk: 211

Company: M&T BANK CORP
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 8
Chunk 211
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 borrowers, commercial real estate loans and recreational finance consumer loans, were not significantly changed from March 31, 2025 and December 31, 2024.

Forward-looking estimates of certain macroeconomic variables are determined by the M&T Scenario Review Committee, which is comprised of senior management business leaders and economists. The weighted-average of macroeconomic assumptions utilized as of June 30, 2025, March 31, 2025 and December 31, 2024 are presented in the following table and were based on information available at or near the time the Company was preparing its estimate of expected credit losses as of those dates.

ALLOWANCE FOR LOAN LOSSES MACROECONOMIC ASSUMPTIONS

June 30, 2025March 31, 2025December 31, 2024Year 1Year 2CumulativeYear 1Year 2CumulativeYear 1Year 2CumulativeNational unemployment rate 4.8 %5.3 %4.7 %5.2 %4.5 %4.7 %Real GDP growth rate .8 1.8 2.6 %.7 2.2 2.9 %1.3 1.7 3.0 %Commercial real estate price    index growth/decline rate-2.5 -.4 -2.7 -3.0 2.9 .1 -2.9 1.4 -1.4 Home price index growth/   decline rate-.2 2.1 1.9 -.7 2.2 1.4 -.1 2.4 2.3 

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With respect to economic forecasts, the Company assessed the likelihood of alternative economic scenarios during the two-year reasonable and supportable forecast period. Generally, an increase in unemployment rate or a decrease in any of the rate of change in GDP, commercial real estate prices or home prices could have an adverse impact on expected credit losses and may result in an increase to the allowance for loan losses. Forward-looking economic forecasts are subject to inherent imprecision and future outcomes may differ materially from forecasted events. In consideration of such uncertainty, the following alternative economic scenarios were considered to estimate the possible impact on modeled credit losses.

ALLOWANCE FOR LOAN LOSSES SENSITIVITIES

June 30, 2025Year 1Year 2CumulativePotential downside