Sustained Focus
At M&T Bank, we believe that sustainability is about focusing on what truly matters; our relationships, our communities, and the disciplined choices that drive long-term growth. This report highlights how we’re integrating sustainability into how we operate, including how we allocate capital, invest in our people, and support the well-being of the communities we serve. Our approach helps us adapt to change while delivering consistent, meaningful impact.
M&T's 2025 Sustainability Report
We believe we can make the biggest impact by investing in our people, fostering prosperous communities, and preserving our planet. Our approach is built on a foundation of strong governance and continued engagement of our stakeholders.
We invite you to explore this report and see how our partnerships with communities and stakeholders are advancing solutions for today’s challenges and building a stronger, more resilient future.
Fostering prosperity
We strive to create communities with thriving economies that give everyone the opportunity to succeed. By providing the full suite of products and resources of a large bank operating at scale, paired with the deep relationships of a community bank, we can reach people at all points of their financial journeys and create true prosperity.
- $4.0 billion committed in financing to projects that include affordable housing
- 2,701 SBA 7(a) loans originated in SBA FY 2025, totaling $294.0 million
- ~194,000 volunteer hours reported by M&T employees
- $6.9 billion committed in social sustainable finance loans and investments
- Over $54 million contributed by M&T and The M&T Charitable Foundation to supporting communities
Fostering prosperity
We strive to create communities with thriving economies that give everyone the opportunity to succeed. By providing the full suite of products and resources of a large bank operating at scale, paired with the deep relationships of a community bank, we can reach people at all points of their financial journeys and create true prosperity.
- $4.0 billion committed in financing to projects that include affordable housing
- 2,701 SBA 7(a) loans originated in SBA FY 2025, totaling $294.0 million
- ~194,000 volunteer hours reported by M&T employees
- $6.9 billion committed in social sustainable finance loans and investments
- Over $54 million contributed by M&T and The M&T Charitable Foundation to supporting communities
Nurturing our people
M&T’s investment in our people goes beyond creating a safe, welcoming, and engaging workplace. Through our people-focused culture, we strive to create an environment where employees can reach their full potential while also making a positive difference in their communities.
- 31 average hours of training per employee
- 196 employees participated in M&T’s Tuition Reimbursement Program
- 93% participation by M&T employees in M&T's 401(k) plan
- 9.5 years average employee tenure
- 83% overall retention rate of all employees
Preserving our planet
Caring for our planet is a core aspect of our mission to make a difference in people’s lives. Our role is to help our customers and communities adapt to the climate impacts of today and proactively address the risks and opportunities of tomorrow.
- $932.1 million committed in environmental sustainable finance loans and investments
- $1.2 billion funded to renewable energy projects, which exceeded our five-year, $1 billion commitment by 21%
- 18% reduction in Scope 1 & 2 greenhouse gas (GHG) emissions from operations compared to 2023 baseline
- $1.5 million contributed by The M&T Charitable Foundation to environmental organizations and conservation programs
- 24% of total volunteer hours contributed to environmental volunteerism
Preserving our planet
Caring for our planet is a core aspect of our mission to make a difference in people’s lives. Our role is to help our customers and communities adapt to the climate impacts of today and proactively address the risks and opportunities of tomorrow.
- $932.1 million committed in environmental sustainable finance loans and investments
- $1.2 billion funded to renewable energy projects, which exceeded our five-year, $1 billion commitment by 21%
- 18% reduction in Scope 1 & 2 greenhouse gas (GHG) emissions from operations compared to 2023 baseline
- $1.5 million contributed by The M&T Charitable Foundation to environmental organizations and conservation programs
- 24% of total volunteer hours contributed to environmental volunteerism
Stewarding our principles of governance
Successful businesses are grounded in trust. It is our ongoing mission to earn the trust of our employees, customers, and the communities in which we operate. To support this mission, we have built governance principles focused on conducting ourselves ethically, responsibly, and in the best interest of all stakeholders.
- 4,906 courses on sustainability completed by personnel
- 93% of directors met the criteria for independence required by the New York Stock Exchange® and our Corporate Governance Standards
- 100% of responses to complaints made to the Consumer Financial Protection Bureau® were timely
- 254,340 hours of mandatory assigned training completed
Report of independent accountants – 2025 Assurance Statement
We engaged a third party to perform a limited assurance engagement over certain greenhouse gas (GHG) emissions and electricity consumption metrics within our inventory for the 2025 reporting year.
M&T Bank Sustainability Index
Additional resources
Annual Report & Proxies >
Investor Relations >
Sustainability Bonds >
Employee Data Table >
Code of Conduct & Business Ethics >
Antitrust Policy and Anti-bribery and Anti-corruption ("ABAC") Policy >
Newsroom >
M&T Bank Statement on Human Rights >
M&T Bank Corporation Political Activities Statement >
