Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 250

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 2
Chunk 250
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4 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

September 30, 2025June 30, 2025December 31, 2024Year 1Year 2CumulativeYear 1Year 2CumulativeYear 1Year 2CumulativeNational unemployment rate 4.9 %5.2 %4.8 %5.3 %4.5 %4.7 %Real GDP growth rate 1.0 1.7 2.8 %.8 1.8 2.6 %1.3 1.7 3.0 %Commercial real estate price    index growth/decline rate-3.6 .7 -2.7 -2.5 -.4 -2.7 -2.9 1.4 -1.4 Home price index growth/   decline rate-.1 2.3 2.2 -.2 2.1 1.9 -.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

September 30, 2025Year 1Year 2CumulativePotential downside economic scenario:National unemployment rate 7.1 %8.1 %Real GDP growth/decline rate -2.5 1.3 -1.1 %Commercial real estate price index decline rate-15.5 -6.6 -21.1 Home price index growth/decline rate -9.0 2.4 -6.8 Potential upside economic scenario:National unemployment rate