Company: MTB-PJ
Filing Date: 2025-10-30
Form Type: 424B5
Source: 0001193125-25-257002
Chunk: 61

Company: M&T BANK CORP
Filing Date: 2025-10-30
Form: 424B5
Chunk 61
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Notice to Prospective Investors in the United Kingdom In the United Kingdom, no offer of the depositary shares described in this prospectus supplement may be made to the public other than:

| • |     | to any legal entity which is a qualified investor as defined in Article 2 of the UK Prospectus Regulation; |

| • |     | to fewer than 150 natural or legal persons (other than qualified investors as defined in Article 2 of the UK 
 Prospectus Regulation) in the United Kingdom, subject to obtaining the prior consent of the underwriters;    |

| • |     | at any time in any other circumstances falling within section 86 of the Financial Services and Markets Act 2000                                                                                                                        
 (as amended, the “FSMA”), provided that no such offer of depositary shares above shall require M&T or the underwriters to publish a prospectus pursuant to section 85 of the FSMA or supplement a prospectus pursuant to Article 23 of 
 the UK Prospectus Regulation.                                                                                                                                                                                                          |

For the purposes of this provision, the expression “an offer to the public” in relation to the depositary shares described in this prospectus supplement in the United Kingdom means the communication in any form and by any means of sufficient information on the terms of the offer and the depositary shares to be offered so as to enable an investor to decide to purchase or subscribe for the depositary shares and the expression “UK Prospectus Regulation” means Regulation (EU) 2017/1129 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 (as amended). In addition, in the United Kingdom, this prospectus supplement and the accompanying prospectus are being distributed only to, and are directed only at, and any offer subsequently made may only be directed at persons who (i) have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the “Order”) and/or (ii) are high net worth companies (or persons to whom it may otherwise be lawfully communicated) falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as “relevant persons”). This prospectus supplement and the accompanying prospectus must not be acted on or relied on in the United Kingdom by persons who are not relevant persons. In the United Kingdom, any investment or investment activity to which this prospectus