M&T Bank : Commercial Story
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M&T Commercial Banking Story

Business woman shaking hands.M&T Bank commercial banking
For more than 150 years, M&T has delivered on our promise of "Understanding what's important" by building deep, long-lasting relationships with our customers and by investing in our communities. M&T is conservatively and consistently managed with a focus on long-term shareholder returns. We are committed to working with our customers in the markets in which they do business.

Our assets
Founded in Buffalo, NY in 1856, M&T Bank currently has assets of $83 billion*, more than 725 branches, over 1,500 ATMs, and nearly 15,000 employees located in New York, Pennsylvania, Maryland, Virginia, West Virginia, District of Columbia, and Ontario, Canada. Today, M&T Bank Corporation has grown to one of the 20 largest independent bank holding companies in the United States.

Business people reviewing a document.Financial strength and sound management
M&T is consistently recognized for financial strength and sound management. With a longstanding tradition of conservative and consistent management, our clients have looked to us for guidance. As a community bank, we understand that supporting our clients is a key to our success. M&T's Chairman and CEO Robert G. Wilmers often says, "The well-being of the bank is dependent upon the well-being of the communities we serve."

Our Charitable Foundation
Through the M&T Charitable Foundation, M&T Bank donates millions of dollars in funding every year to a wide range of community-based organizations. Over the past five years, M&T has donated $80 million in charitable contributions, and more than 3,000 M&T employees volunteer with 5,100 different organizations.

Lending in the community
M&T lends in the markets where we live and work, to people and enterprises whom we know, allowing for flexibility in our approach with customers and keeping decisions close to the customer. The majority of credits are managed and approved locally at various managers' loan committees, which consist of in-market credit deputies and line managers.

Business man smiling.M&T relationship managers
At M&T, every client is assigned an experienced and knowledgeable Relationship Manager. Your relationship manager is the single point of contact for all your banking needs and considers your entire financial picture while working in concert with specialists to recommend solutions. The relationship manager brings the resources of a major regional bank to you with more expansive capabilities than a local bank. We provide our clients with responsive, unparalleled personal service and local decision making. This means taking the time to thoroughly understand our customers' businesses and making recommendations that are in their long-term best interest. As a result, M&T maintains a consistent approach to doing business that allows us to support our customers, regardless of the economic environment.

Our experience
Our experience working with middle market companies is complemented by our expertise in other areas of specialization, including Commercial Real Estate, Government Banking, Healthcare, Not-For-Profit and Auto Dealer Services. We are committed to serving businesses of all types, from small start-ups to large national corporations, with a complete range of financial products and services which include:

  • Asset Management
  • International Trade Services
  • Commercial & Real Estate Credit Services
  • Investment Banking & Capital Markets
  • Corporate Trust Services
  • Merchant Services
  • Employee Benefits
  • Equipment Financing
  • Tax-Exempt Financing
  • Interest Rate Risk Management
  • Treasury Management Services
  • M&T @ Work for Employees

Happy business man, sitting.Dedicated to you
Your organization deserves a banking team that is dedicated to helping you achieve your goals. The breadth of M&T's capabilities allows us to provide you with the benefits of a comprehensive range of financial services.

For more information, or to meet with a Relationship Manager, call M&T's Commercial Service Team at 1‑800‑724‑2240.

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*As of March 31, 2013
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