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0000950123-10-100538.txt : 201011040000950123-10-100538.hdr.sgml : 2010110420101104083242ACCESSION NUMBER:0000950123-10-100538CONFORMED SUBMISSION TYPE:8-KPUBLIC DOCUMENT COUNT:41CONFORMED PERIOD OF REPORT:20101104ITEM INFORMATION:Other EventsITEM INFORMATION:Financial Statements and ExhibitsFILED AS OF DATE:20101104DATE AS OF CHANGE:20101104

FILER:

COMPANY DATA:COMPANY CONFORMED NAME:M&T BANK CORPCENTRAL INDEX KEY:0000036270STANDARD INDUSTRIAL CLASSIFICATION:STATE COMMERCIAL BANKS [6022]IRS NUMBER:160968385STATE OF INCORPORATION:NYFISCAL YEAR END:1209

FILING VALUES:FORM TYPE:8-KSEC ACT:1934 ActSEC FILE NUMBER:001-09861FILM NUMBER:101163279

BUSINESS ADDRESS:STREET 1:C/O CORPORATE REPORTINGSTREET 2:ONE M&T PLAZA 5TH FLOORCITY:BUFFALOSTATE:NYZIP:14203BUSINESS PHONE:7168425390

MAIL ADDRESS:STREET 1:C/O CORPORAE REPORTINGSTREET 2:ONE M&T PLAZA 5TH FLRCITY:BUFFALOSTATE:NYZIP:14203

FORMER COMPANY:FORMER CONFORMED NAME:FIRST EMPIRE STATE CORPDATE OF NAME CHANGE:19920703

8-K1l41053e8vk.htmFORM 8-K

e8vk

Table of Contents

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section13 or 15(d) of
the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November4, 2010

M&T BANK CORPORATION

(Exact name of registrant as specified in its charter)

New York
(State or other jurisdiction of incorporation)

1-9861

16-0968385

(Commission File Number)

(I.R.S. Employer Identification No.)

One M&T Plaza, Buffalo, New York

14203

(Address of principal executive offices)

(Zip Code)

Registrants telephone number, including area code: (716)842-5445

(NOT APPLICABLE)
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy thefiling obligation of the registrant under any of the following provisions (see General InstructionsA.2. below):

Written communications pursuant to Rule425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule14a-12 under the Exchange Act (17 CFR240.14a-12)

o Pre-commencement communications pursuant to Rule14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule13e4(c) under the Exchange Act (17CFR 240.13e-4(c))

TABLE OF CONTENTS

Item8.01. Other EventsItem9.01. Financial Statements and ExhibitsSIGNATURESEXHIBIT INDEXEX-99

Table of Contents

Item8.01. Other Events.

On November4, 2010, representatives of M&T Bank Corporation (M&T) will deliver apresentation to analysts and investors at the BancAnalysts Association of Boston 2010 Conference inBoston, Massachusetts. M&Ts presentation is scheduled to begin at 1:55 p.m. Eastern Time. A copyof this presentation is attached as Exhibit99.

Item9.01. Financial Statements and Exhibits.

(d)Exhibits.

Exhibit No.

99

M&T Bank Corporation Presentation.

FORWARD-LOOKING STATEMENTS

This Current Report on Form 8-K contains forward looking statements within the meaning of thePrivate Securities Litigation Reform Act giving the Companys expectations or predictions of futurefinancial or business performance or conditions. Forward-looking statements are typicallyidentified by words such as believe, expect, anticipate, intend, target, estimate,continue, positions, prospects or potential, by future conditional verbs such as will,would, should, could or may, or by variations of such words or by similar expressions.These forward-looking statements are subject to numerous assumptions, risks and uncertainties whichchange over time. Forward-looking statements speak only as of the date they are made and we assumeno duty to update forward-looking statements.

In addition to factors previously disclosed in M&Ts reports filed with the U.S. Securities andExchange Commission (the SEC) and those identified elsewhere in this presentation, the followingfactors among others, could cause actual results to differ materially from forward-lookingstatements or historical performance: ability to obtain regulatory approvals and meet other closingconditions to the merger, including approval by Wilmington Trust Corporation (Wilmington Trust)stockholders, on the expected terms and schedule; delay in closing the merger; difficulties anddelays in integrating the M&T and Wilmington Trust businesses or fully realizing cost savings andother benefits; business disruption following the merger; changes in asset quality and creditrisk; the inability to sustain revenue and earnings growth; changes in interest rates and capitalmarkets; inflation; customer acceptance of M&T products and services; customer borrowing,repayment, investment and deposit practices; customer disintermediation; the introduction,withdrawal,

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Table of Contents

success and timing of business initiatives; competitive conditions; the inability to realize costsavings or revenues or to implement integration plans and other consequences associated withmergers, acquisitions and divestitures; economic conditions; and the impact, extent and timing oftechnological changes, capital management activities, and other actions of the Federal ReserveBoard and legislative and regulatory actions and reforms, including those associated with theDodd-Frank Wall Street Reform and Consumer Protection Act.

ADDITIONAL INFORMATION

In connection with the proposed merger, M&T will file with the SEC a Registration Statement on FormS-4 that will include a Proxy Statement of Wilmington Trust and a Prospectus of M&T, as well asother relevant documents concerning the proposed transaction. INVESTORS ARE URGED TO READ THEREGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS REGARDING THE MERGER WHEN IT BECOMESAVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS ORSUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION.

Investors will be able to obtain a free copy of the Proxy Statement/Prospectus, as well as otherfilings containing information about M&T and Wilmington Trust at the SECs Internet site(http://www.sec.gov). You will also be able to obtain these documents, free of charge, athttp://www.mtb.com under the tab About Us and then under the heading Investor Relations andthen under SEC Filings. Copies of the Proxy Statement/Prospectus and the SEC filings that willbe incorporated by reference in the Proxy Statement/Prospectus can also be obtained, free ofcharge, by directing a request to Investor Relations, One M&T Plaza, Buffalo, New York 14203, (716)842-5138.

M&T and Wilmington Trust and their respective directors and executive officers may be deemed to beparticipants in the solicitation of proxies from the stockholders of Wilmington Trust in connectionwith the proposed merger. Information about the directors and executive officers of M&T is setforth in the proxy statement for M&Ts 2010 annual meeting of stockholders, as filed with the SECon a Schedule14A on March5, 2010. Information about the directors and executive officers ofWilmington Trust is set forth in the proxy statement for Wilmington Trust 2010 annual meeting ofstockholders, as filed with the SEC on a Schedule14A on February22, 2010. Additional informationregarding the interests of those persons and other persons who may be deemed participants in thetransaction may be obtained by reading the Proxy Statement/Prospectus regarding the proposed mergerwhen it becomes available. You may obtain free copies of this document as described in thepreceding paragraph.

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Table of Contents

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has dulycaused this report to be signed on its behalf by the undersigned hereunto duly authorized.

M&T BANK CORPORATION

Date: November 4, 2010 By: /s/ Ren F. Jones

Ren F. Jones

Executive Vice President

and Chief Financial Officer

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Table of Contents

EXHIBIT INDEX

Exhibit No.

99

M&T Bank Corporation Presentation. Filed herewith.

- 5 -

EX-992l41053exv99.htmEX-99

exv99

Exhibit99

M&TBank O Wilmington Creating the Leading Mid-Atlantic Relationship Bank BancAnalystsAssociation of Boston 2010 Annual Bank Conference November4, 2010

Disclaimer This presentation contains forward looking statements within the meaning of the PrivateSecurities Litigation Reform Act giving the Companys expectations or predictions of futurefinancial or business performance or conditions. Forward-looking statements are typicallyidentified by words such as believe, expect, anticipate, intend, target, estimate,continue, positions, prospects or potential, by future conditional verbs such as will,would, should, could or may, or by variations of such words or by similar expressions.These forward-looking statements are subject to numerous assumptions, risks and uncertainties whichchange over time. Forward-looking statements speak only as of the date they are made and we assumeno duty to update forward-looking statements. In addition to factors previously disclosed in ourSEC reports and those identified elsewhere in this presentation, the following factors amongothers, could cause actual results to differ materially from forward-looking statements orhistorical performance: ability to obtain regulatory approvals and meet other closing conditions tothe merger, including approval by Wilmington Trust shareholders, on the expected terms andschedule; delay in closing the merger; difficulties and delays in integrating the M&T andWilmington Trust businesses or fully realizing cost savings and other benefits; business disruptionfollowing the merger; changes in asset quality and credit risk; the inability to sustain revenueand earnings growth; changes in interest rates and capital markets; inflation; customer acceptanceof M&T products and services; customer borrowing, repayment, investment and deposit practices;customer disintermediation; the introduction, withdrawal, success and timing of businessinitiatives; competitive conditions; the inability to realize cost savings or revenues or toimplement integration plans and other consequences associated with mergers, acquisitions anddivestitures; economic conditions; and the impact, extent and timing of technological changes,capital management activities, and other actions of the Federal Reserve Board and legislative andregulatory actions and reforms, including those associated with the Dodd-Frank Wall Street Reformand Consumer Protection Act. Annualized, pro forma, projected and estimated numbers are used forillustrative purpose only, are not forecasts and may not reflect actual results. M&T Bank * OWilmington

Transaction Highlights Strategic Rationale The M&T Bank Story Wilmington Trust M M&T Bank * OWilmington

Creating the Leading Relationship Bank in the Mid-Atlantic S M&T Bank O WilmingtonCompelling Strategic Fit Premier banking franchise in high-growth Mid- Complementary communitybanking models with Atlantic region focus on relationships Combines #1 market share in Delawarewith theLeverage top-tier scale in targeted markets to leading commercial bank in Mid-Atlanticgenerate superior profitability Preserves value of Wilmington Trusts establishedCommon Valuesbrand and recognized capabilities in trust, wealth Q Experienced, long-tenured employeeskey to management and corporate services success Led by M&Ts experienced management team, withQ Best ate citizen in our communities proven credit expertise Diversified revenue withgreater fee income Enhanced capital generation and earnings rates significant value forshareholders, customers, employees and communities 4

Summary of Key Terms Purchase Price and $3.84 per Wilmington Trust share Structure:( 1 )- - 100% stock consideration; fixed 0.051372 exchange ratio Taxable merger transaction TransactionValue: $351million( 1 ) plus the assumption of $330million in TARP preferred stockInternal Rate of Return: 20%+ 2012 EPS Accretion: High single-digit GAAP EPS accretion Lowdouble-digit net operating EPS accretion ( 2 ) Synergies: Expense: 15% of WilmingtonTrusts annual operating expenses, full run-rate realized by year-end 2012 Revenue: None assumedDue Diligence: Completed comprehensive due diligence, including detailed review of loan andsecurities portfolios Loan Loss Assumptions: $1.0billion (pre-tax), or 13% of Wilmington Trustsgross loans Merger-Related Charges: $159million pre-tax Branding: Retaining Wilmington Trustbrand for trust and wealth management M&T brand maintained for regional banking ExpectedCompletion: By mid-year 2011 Price and exchange ratio based on M&T closing price of $74.75 pershare as of October29, 2010. Provides for estimated cost of future TARP repayment. M&T Banks O Wilmington

Summary of Key Management Governance Terms Board Representation: Wilmington Trust CEO andChairman Donald Foley to join M&Ts Board Approval Requirements: Approval by shareholders ofWilmington Trust Customary regulatory approvals Deal Protection: Break-up fee $30million,subject to specified conditions M&TBank O Wilmington

Pro Forma Combined Franchise ( ~~ 3 (Sin billions) Wilmington YVvT S ) f As of 9 30 2010 M&TTrust Combined f%- .x-xj"-*"* J NEW YORK Assets: $68.2 $10.4 $78.6 JOtrTF Jfc*. *: . [ Loans: $50.8 $8.1 $58.9 } S A JVT.1 i t T h~ J Assets UnderManagement: $21.9 $58.4 $80.3 V JihiS rvV r WEST VIRGINIA 1W W.-i)e> VVARE ATMs:(1)1,855 225 2,080 * t y *N>ILV VVxCT- VIRGINIA , $1 77 Employees: 13,441 2,79616,237 X >s S5V V _ T ( Current count. Excludes impact of purchaseaccounting. M &T Wilmington Trust ra M&T Bank O Wilmington

Comprehensive Loan Review Wilmington Trust engaged outside party to review its commercial loanportfolio re-evaluate the risk ratings and loss content Subsequently, a 40-person M&T teamevaluated Wilmingtons Commercial portfolio Over 11days, M&T reviewed approximately 450 borrowerswith $3billion in outstandings, or 50% of the commercial portfolio Sample by loan category:Commercial, Financial and Agriculture 43% CRE-Commercial Mortgage-45% CRE-Construction 64%Another M&T team conducted on-site due diligence for Consumer and Residential Mortgage portfoliosConducted loan level credit modeling Sampled several hundred files to assess documentationstandards, underwriting quality and regulatory compliance M&T developed its own lifetime lossassumptions based on these reviews S M&T Bank * O J,lmington

Estimated Lifetime Credit Losses M&T leveraged extensive experience in southern Delaware markets toassess credit marks Projected lifetime Wilmington Trust loan losses exceed those for Provident,particularly for construction portfolio ($ in millions) M&T EstimateWLThrough-the-Cycle LossesProvident Initial Life-to-Date Estimated 9 30 10Remaining Credit Losses Losses Total Lifetime Losses Lifetime Loan Category Balance $ % of Total1 1 08 9 30 10 $ % of Total Credit Loss % Construction $1,682 $534 d32 Q$216 $750 C L40% J> 34% Commercial & CRE 4,422 349 8% 173 5 21 11% 4%Residential Mortgage 416 32 8% 1 33 8% 6% Home Equity & Consumer 1,607 101 6% 82 1 83 11% 7%Total $8 ,127 $1 ,016 < L13% > $4 71 $1 ,486 C_17%> 9% Loan Loss Allowance(510)Losses Net of Allowance $506 Estimated lifetime losses include projected remaining lossesand net charge-offs from year-end 2007 through 9 30 10 Construction losses exceed 35.9% estimatedlifetime loss for M&Ts Mid-Atlantic residential construction portfolio M&T Bank * Owilmington

Strong Pro Forma Capital Position Capital metrics comparable to current M&T ratios after de-riskingacquired assets Estimated pro forma tangible common equity ratio in range of 5.96% 6.40% insecond quarter of 2011 Enhanced capital generation accelerates future growth in capital metrics M&Tto assume Wilmington Trusts $330 MM of TARP preferred No change assumed in M&Ts dividend M&TBank io INGTON

M&Ts Credit Ratios are Best-in-ClassNCOs % of Avg Loans* Reserve Coverage of NCOs (in years)* 7 36.07 6 5.68 2.52 5 3.37 353 _ 1.50 2 1.56 0.55 1 0.69 0 0 MTB Peer 1 Peer 2 Peer3 Peer 4Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer Peer Peer Peer Peer MTB Peer 1 Peer 2 Peer 3Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer Peer Peer Peer Peer 10 11 12 13 14 10 1112 13 14 Nonperforming Assets % of Total Loans & OREO NPAs as % of TCE + ALLL 7 6.59 6.62 6050.3 6 47.9 5.38 50 5.13 4 3.43 3.54 . 30.1 30.2 _ 2.94 _ 20 181 2 10 0 0Peer 1 MTB Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer Peer Peer PeerPeer Peer 1 Peer 2 Peer 3 Peer 4 MTB Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer Peer Peer PeerPeer ___ 10 11 12 13 14 10 11 12 13 14 f ]VISi] Bunk nData as of June30,2010 FRY9C reports. *YTD Annualized.

M&Ts Operating Earnings and Dividends Per Share: 1983 2010 M&T has consistently earned netoperating earnings in excess of its dividend, which was maintained through the current cycle $8.00V *2010 First Call Estimate as of 10 31 10, adjusted to Diluted Net Operating EarningsDividends exclude the impact of amortization expense associated ___ with intangible assets. 2010dividends per share reflect y, IV O T 1 ID *- -% II September2010 YTDdividends, annualized. rMl IVlOiJ 33.J 1.X Note: Data prior to 1998 does not include provisionsof SFAS No.123 and No.148 stock option expensing.

Focus on Long Term Shareholder Returns Cumulative Capital Retained, Dividends and Share Repurchases1983 September2010 Capital Dividends __ mm Retained 29%H J32% ShareHHIi Repurchases39%

Total Return to Shareholders Top 50 Banks by Market Cap On January1, 2000 20002001 20022003 2004 2005 2006 2007 2008 2009 10 YearA Company TRS # Company TR5 A Company~K Company TRS tf Company TRS # Company ~R5 it Company ~R5 Company TRS tf CompanyTR5 Company TRS ti Company TRSTCF Financial 35% 1 UnionBanCal 53K 1Wachovia 20% 1 FleetBoston B8% 1 SouthTrust 35% 1 StateStreet 15% 1 Compass 27% 1 NorthernTrust 23% 1 Commerce 35% 1 Comerica 50% 1 MTB IOMCommerce 32% 2 Bankof America 43%2 Popular 19% 2 JP Morgan (Chase) 60% 2 Popular 32% 2 Zions 13% 2 BankofNY 27% 2 BankofNY27% 2 UnionBanCal 55% 2 FirstHoriion 36% 2 WellsFargo 79% StateStreet 71% 3 North Fork 34% 3Regions 15% 3 Zions 59% 3 CharterOne 32% 3 Mellon 13% 3 USBancorp [Firstar) 25% 3 StateStreet22% 3 Old National 23% 3 JP Morgan (Chase] 34%3 PNC 69% PNC 70%4UnionPlanters 33% 4 Bankof America 15% 4 Synovus 53% 4 TCFFinancial 29% 4 PNC 12% 4 Mellon26% 4 Commerce 10% 4 Valley 17% 4 MTB 23%4 US Bancorp (Firstar) 56%MTB 65%5 AmSouth 30K 5 CharterOne 14% 5 UnionBanCal 50% 5 National Commerce 23%5 UnionBanCal 9% 5 JP Morgan [Chase] 25% 5 Compass 9K 5 FlrstMerit 9% 5 Fifth Third 19% 5TCFFinancial 52% CharterOne 64% 6 FirstHoriion 29% 6 Compass 14% 6 Banknorth 4&% &Compass 27% 5 Northern Trust 9% 6 Mercantile 24% 5 Mellon 5% 6 WellsFargo 2% 6 StateStreetLM 6 Valley 45% Northern Trust 55% 7 Mil 27% 7 First Virginia 13% 7 US Bancorp (Firstar] 45%7 Commerce 24% 7 Commerce 3% 7 PNC 24% 7 Banknorth 1% 7 BB&T -4% 7 PNC 10% 7 FirstMerit39% Vie on 43% S SouthTrust 24% S Huntington 13% S MSI 45% S Regions 23% 3 Mercantile 3% 3StateStreet 23% 3 Mercantile -2% S US Bancorp (Firstar) -17% S Bankof America 7% S BB&T 39%NorthFork 47% 9 First Union 23% 9 Commerce11%_ 9 BankofNY 42% 9- Old National 23% 9JP Morgan (Chase) 5% 9 Bankof America 21% 9 JP Morgan [Chase] -7% 9 Associated -18% 9FirstMerit 4% 9StateStreet 33% WellsFargo 41% 10 Compass 23% 10 MTB10%_ 10 Citicorp 42%10 Bankof America 22% 10 Am5outh 5% 10 Key 20% 10 US Bancorp [Firstar] -3% 10 Synovus -19% 10Northern Trust 3% 10 Northern Trust 15% B&SlT 40% 11 Associated 20% 11 WellsFargo 10% 11PNC 36% 11 Associated 20% 11 Citicorp 5% 11 SunTrust 20% 11 PNC -3% 11 TCFFinancial -19% 11TCFFinancial 3% 11 JP Morgan (Chase) 13% BankofNY 40% 12 Commerce 17% 12 Associated 10% 12Popular 36% 12 Key 20% 12 WellsFargo 4% 12 Valley 20% 12 WellsFargo -12% 12 PNC -22% 12BankofNY 1% 12 Comerica -6% Synovus 39% 13 Wachovia 16% 13 North Fork 3% 13 SouthTrust 36% 13 M&l13% 13 Wachovia 4% 13 Citicorp 20% 13 FirstMerit -12% 13 JP Morgan (Chase] -25%13 B&&T- -2% 13 Bankof America -10% Banknorth 37% 14 Banknorth 16% 14 key B% 14 StateStreet 35% 14 Wachovia17% 14 BB&T3_%_ 14 Northern Trust 19% 14 Old National -17% 14 MTB -27%14 WellsFargo -5% 14 BankofNY -12% Mercantile 35% 15 Regions 14% 15 UnionBanCal 6% 15 Comerica 35%15 Banknorth 15% 15 MTB3%_ 15 Synovus 17% 15 UnionBanCal -17% 15 Northern Trust -31% 15US Bancorp (Firstar) -9% 15 Associated -15% 15 Old Kent 34% 15 Popular 13% 15 AmSouth em NA- 41 National Ci> cue NAr SunTrust -5%42 StateStreet -15% 42 JP Morgan (Chase) -31% 42 BB&T 3% 42 StateStreet -4% 42 Summit BancorpNA- 42 Summit Oaneorp NA- 42 BankOne NA- 42 rii-.LViijj.ininNA- 42 SouthTrust NA- 42SuulliTiusl NAr Wachovia -10% 43 JP Morgan (Chase) -17% 43 BankofNY -40% 43 Fifth Third 3% 43Fifth Third -13% 43 Bank One NA- 43 Bank One NA- Hi FirstVirginia NA- 43 NhUjiibI Cu oneNA- 4G Union Hants s NA- 43 Unimi Flaula s NA- JP Morgan (Chase] -10% 44 WellsFargo -20% 44Northern Trust -41% 44 Old National 2% 44 Old Kent NA- 44 FirstVirginia NA- 44 riisLViiginia NA-44 Ndtiunal Cu eue NA- 44 SuullfTiujl NA- 44 Wachavia NA- 44 Wachavia NA- First Union -11% 45 PNC- -21% 45 Old Kail NAr 45 Old Kent NA- 45 JP Morgan NA- 45 National Commerce NA- 45 NationalCommerce NA- 45 SouthTrust NA- 45 Unlun TIjiiLlij NAr 45 Hrst Union NA- 45 nret Union NA-AmSouth -17% 46 Mellon -22% 46 JP Mergan NA- 46 JP Morgan NA- 46 UB Banim u NAr 46 SouthTrust NA-46 3-uuLl iTi us.1 NAr 45 Union Planters NA- 46 m.,1 Uniun NA- 46 Hrst Seeuriey NA- 40rirst Deeuriey NA- M&l -17% 47 BankofNY -25% 47 U5 Bancorp NA- 4T USOaiiLUiu NA- 47 SummitOaneorp NA- 17 Union Planters NA- 47 Union Planter NA- 47 rirst Union NA- 4T m.,1 Bum 1L > NA-47 Compass NA- 47 Compass NA 43 Huntington -22% 43 Northern Trust -25% 46 Summit Oaneorp NA- 18Summit Bancorp NA- 48 FirstVirginia NA- 4P TirstUnien NA- 4P TirstUnien NA- IS First Security NA-43 Cmnuass NA- 48 AmSuuth NAr 43 fliiiSuuLli NAr UnionBanCal -37% 43 JP Morgan NA~ 4Q First UnionNA- 4Q TirstUnien NA- 4Q TirstUnien NA- 19 FirstSacurity NA- 49 riislSeLUiilv NAr 19 AmSouth NA-49 AmSuuth NA- 49 UnioiiBaiiCal NA- 49 UnioiiBaiiCal NAr First Security -40%50 first Secui I Ly -NA 50 first Diiupe,- -HA- 50 riislSgiuiUy- -NA- 50 First Security -NA- 50 fleet Boston -NA- 50 fleet D-DLlmi- -NAr 50 f LDulIuii -NA- 50 fllQusujii -NA- 50 fleet Beaton- -NA- 50 fllQusujii -NArSource: SNL Financial. m M&r B&nlc 14

Transaction Highlights Strategic Rationale The M&T Bank Story Wilmington Trust M&T BankiSWilmington

M&T Bank and Wilmington Trust Unique Strategic Opportunity Combined entity leverages WilmingtonTrusts position as a premier provider of corporate trust and wealth management services Combinedentity to retain highly-regarded Wilmington Trust name and leadership for all trust, investment andcorporate service businesses Adds wealth advisory services to M&Ts existing relationship bankingproduct set Natural fit with M&Ts deep relationships with middle-market owner-operators across itsfootprint Partnership with M&T continues Wilmington Trusts unique position as leading independent,conflict-free service provider Combined entity leverages M&Ts position as the premiersuper-community bank in eastern US Brings M&Ts strength in mass market investment products andcommercial insurance lines to Wilmington Trusts retail delivery channels Combination unitespartners with shared focus on leading in the markets we serve I M&T Bank i 6 INGTON

M&T Achieves Scale and Relevance in Trust and Investments Components of Fee Income, YTD 9 30 10 IM&T Pro FormaWealth Mgmt S U and Corporate Svcs 20% k Deposit Service 4 k Charges IMortgage 13% 17% 42% Excludes securities impairment charges. Fee Income % of Total Revenue,YTD 9 30 10 60% 50% I I I I I 39% 34% 30% H 20% llllllll llllllll FHN RF USB FITB KEYSTI HBAN Pro BBT PNC MTB CMA Ml SNV COF ZION Forma MTB jM&T Bank 17 *0 INGTON

Complements M&Ts Leading Mid-Atlantic Retail Presence Market Branches Rank Institution DepositsShare (%) (#) * * * * * * f Pro forma M&T $6,666 23 49 .* ** # < U WilmingtonTrust 6,650 23 48 * > S WSFS 2,799 10 36 # *** * ? * PNC 2,769 10 51 ,*** *, *, . A* 4WellsFargo 2,665 9 19 ? * $> Royal Bank of Scotland Group1,093 4 27 * w *M , d&J Toronto-Dominion Bank 576 2 11 ] *JK~_fh * ? V? ArtisansBank 572 2 14 # * K. * 4. **-5 *t Fulton 356 113 fN. -v * * * Jm&ftf ? CB Financial 346 19 N # V ll> < *) 10 FirstWyoming 239 1 6 J *5riclw,, * PA? i 22 m&t 16 0 1 a. vSfZf* j w *V T> TK* * Total For Institutions In Market 28,851 257 %* % P * ***JM&T Wilmington Pro Forma S = fcC* Delaware 22 1 1 ~ M&T Maryland2 15 2 Branch and ATM Totals Wilmington Trust M&T Wilmington Pro Forma Total Branches 742 48 790Total ATMs 1,855 225 2,080 (1)Excludes credit card banks (HSBC and Citi Delaware) from marketranking; excludes $37.3B of TD headquarter deposits (which are assumed to be non-retail) frommarket share calculation. Source: SNL, Data as of June30, 2010 M&T Bank is INGTON

Common Values Commitment to our Communities Wilmington Trust has a rich tradition of involvement inits Delaware communities M&T will continue Wilmington Trusts level of involvement in its Delawarecommunities and maintain its existing level of charitable activities Commitment to our EmployeesM&T and Wilmington Trust share a common commitment to our long-tenured employees, whose experienceand customer relationships are our greatest assets M&T intends to offer comparable positions toWilmingtons customer facing employees and undertake an extensive review of all other functions tomaximize opportunities for Wilmington Trust employees to support the operating platforms of thecombined organization Committed to being Delawares Best Corporate Citizen M&T Bank i 9 INGTON

Summary Complementary community-focused business models and culture Increased fee incomemeaningfully diversifies revenue Transformational opportunity for trust and investment businessesEnhanced scale in desirable Mid-Atlantic region Comprehensive asset diligence completed Soundfranchise with de-risked earnings and enhanced capital generation Attractive transactioneconomics M&T Bank 2 o INGTON

Transaction Highlights Strategic Rationale The M&T Bank Story Wilmington Trust M&T Bank2 i INGTON

M&T: A Super-Community Bank Our approach is simple: We provide banking services in communitieswhere we live and work We focus on carefully underwritten lending, based on local knowledge We takea prudent approach to acquisitions we grow when and where it makes sense We view our long-tenuredand engaged employees as key to our success The result is a history of above-average shareholderreturns

Commitment to our communities Hkh s 1 Pffl 3i *( ''' I.. J Millhijiia *- Ei.Hl?irT Westminster Community Charter School ii * ju, r n ix-Gettysburg Visitor Center United Way Day of Caring in Baltimore Charitable Giving Donated more than$133million to community-based organizations over the past 10years Named one of the nations mostgenerous corporate donors in Business Weeks annual survey of Corporate Philanthropys BiggestGivers for two consecutive years Community Investment Earned highest possible OutstandingCommunity Reinvestment Act rating on every exam since 1982 Volunteerism 2,700+ M&T Bank employeesvolunteer their time with 4,700+ community organizations, logging more than 333,000 hours in 2009Consistent and Conservative Lending Greenwich Excellence National Award Winner: Financial Stabilityin Middle Market Banking #1 SBA lender in core Mid-Atlantic markets of Baltimore, Washington, DCand Philadelphia ranked 6th nationally

Presence in our communities We lend in the markets where we live and work to people and enterpriseswhom we know #1 market share for lead bank relationships ( #1 Small Business Lender in: amongmiddle market clients in:* Baltimore Baltimore Binghamton Binghamton Buffalo Buffalo PhiladelphiaHarrisburg Rochester Rochester Syracuse Syracuse Washington, DC and State of Maryland overallRanked 6 th Nationally #1 or #2 deposit market share in 7 of top 9 communities: #2 inBaltimore #2 in Buffalo #2 in Syracuse #2 in Rochester #2 in Harrisburg #1 in Binghamton #1 in York* Independent market research ) ** Small Business Administration

A history of above-average shareholder returns Our super-community bank model is validatedthrough our long-term results M&T has been profitable in every quarter of the last 34years -137consecutive quarters Since 1983, when Chairman Robert Wilmers came to M&T, achieved compound annualgrowth in operating earnings per share of over 15% M&T is only commercial bank in S&P 500 not tocut dividend or execute dilutive equity offering during the financial crisis > Over 17%annualized total return to > M&Ts stock has outperformed the S&P shareholders from 1983 through9 30 10 Bank Index by 44%, 40% and 116% over the 3-, 5-, and 10-year periods ending 9 30 10 >19 th highest annual total return to shareholders among the universe of 728 > Higheststock price appreciation among US-based stocks that have traded 100 largest banks in 1983, of whichonly 25 continuously since 1980 remain today

Transaction Highlights Strategic Rationale The M&T Bank Story Wilmington Trust M&T Bank 26 INGTON

Wilmington Trust: 107 Years of Meeting Customer Needs Founded in 1903 by members of the du Pontfamily $10.4billion in balance sheet assets $58.4billion in assets under management 1Headquartered in Delaware with offices in the U.S., Caribbean, and Europe Diversified mix ofrevenue from Regional Banking, Corporate Client Services, and Wealth Advisory Services helps uswithstand economic pressures Corporate strategies: Invest in businesses that have the mostpotential for long term growth or high operating profit margins Be the market leader in each of ourbusinesses Increase profitability without compromising our overall risk profile Manage for longterm growth, profitability, and shareholder value At 30 September2010. 1 IncludesCramer Rosenthal McGlynn and Roxbury Capital Management. M&T Bank 27 Wilmington

Wilmington Trusts Three Interrelated Businesses Differentiated and sustainable business model Retail banking in Delaware Diversified trustee and Comprehensive services: Commercial bankingin: administrative services Asset management Delaware Institutional investment Fiduciaryservices Eastern Pennsylvania management Family wealth services New Jersey Administrativeservices for: Focus on clients with = $10mm Maryland Capital markets Managing investmentrisk Integrated banking and Special purpose entities is as important as increasing wealthadvisory services Retirement plans investment return in mid-Atlantic region Clients in 89countries Clients throughout the U.S. Commercial banking focus on Offices in the U SCaribbean and in 35 other countries closely held businesses with and . ., , Offices in key HNWmarkets = $250mm in sales ra M&T Bank O Wilmington

Wilmington Trusts Office Locations Regional, national, and international scope BurlingtonMinneapolis # BostoniHnH K nLL-t Stamford H jjl PeWvifflaK aJ NewJeTseyBaltimore Delaware Las Wjgas SyPhoenix AtlantaW # Dublin x >? A California [CharlestonLondonfci- ChsIa ndelA* frdam t Islands-x Luxembourgrfur- # Wilmington Trust office locationsGrand Cayman IVVPJPIPYSPPCMIPH Regional Banking mid-Atlantic footprint n Corporate Client Ser Ecews M&T Bank 2 5 INGTON

Appendix

Increased Earnings Power In 2010 2006 2007 2008 I Q109 Q209 Q309 Q409 I 2009 I Q110 Q210Q310 Net Interest Margin 3.70% 3.60% 3.38% 3.19% 3.43% 3.61% 3.71% 3.49% 3.78% 3.84% 3.87%BBflWWWB Efficiency Ratio-Tangible (1)51.51% 52.77% 54.35% 58.68% 60.03% 55.21% 52.69%56.50% 55.88% 53.06% 53.40% I Pre-tax, Pre-provision Earnings ($MM) 1,312 1,156 1,152 242 210 326346 1,123 325 365 380 Allowance to Loans (As At) 1.51% 1.58% 1.61% 1.73% 1.76% [3]1.81% [3] 1.83% [3] 1.83% [3] 1.86% [3]1.86% [3] 1.86% [3] j Effll Net Charge-Offs to Loans 0.16% 0.26% 0.78% 0.83%1.09% 1.07% 1.03% 1.01% 0.74% 0.64% 0.73% Rttjftfl Reserve Coverage of Net Charge-Offs 9.6 6.7 2.12.1 1.5 1.5 1.6 1.7 2.3 2.7 2.4 Diluted Earnings Per Share B1B GAAP $7.37 $5.95 $5.01 $0.49$0.36 $0.97 $1.04 $2.89 $1.15 $1.46 $1.48 Net Operating (2) $7.73 $6.40 $5.39$0.59 $0.79 $0.98 $1.16 $3.54 $1.23 $1.53 V$1.55 C Net Op. Return on Avg Tangible 29.55%22.58% 19.63% 9.36% 12.08% 14.87% 16.73% 13.42% 17.34% 20.36% 19.58% rnings Common Equity(2)Common Equity to Assets Tangible 5.84% 5.01% 4.59% 4.86% 4.49% 4.89% 5.13% 5.13%5.43% 5.75% 5.96% _ Tier 1 Common Capital Ratio 6.42% 5.62% 6.08% 5.99% 5.30% 5.51% 5.66% 5.66%5.90% 6.15% 6.42% [4] I Tier 1 Capital Ratio 7.74% 6.84% 8.83% 8.76% 8.17% 8.42% 8.59%8.59% 8.88% 9.16% 9.45% [4] capital g Total Capital Ratio 11.78% 11.18% 12.83% 12.74%11.87% 12.15% 12.30% 12.30% 12.62% 12.80% 13.11% [4 1 Leverage Ratio 7.20% 6.59% 8.35%8.39% 8.38% 8.28% 8.43% 8.43% 8.59% 8.89% 9.18% [4] (1)Efficiency Ratio reflectsnon-interest expense (excluding amortization expense associated with intangible assets,merger-related expenses and other non-recurring expenses) as a percentage of fully taxableequivalent net interest income and non-interest revenues (excluding gains from securitiestransactions and non-recurring items). (2)Excludes merger-related gains and expenses andamortization expense associated with intangible n 1 assets. Refer to the Reconciliation of GAAPand Non-GAAP Results of Operation in the Appendix. FaXaIiP l IXC T1 f 31(3)Allowance to legacy M&T loans. Per SFAS No.141R and SOP 03-3, Provident and Bradford loans *i.VXOv.X M I I IV were marked to fair value at acquisition with no relatedreserves. (4)Estimates until Q3 2010 FRY9C report is filed.

Long-term focus 20% 150 0 11.8% J 10% S 11.3%V 5% Long-term focus on revenue growth pershare Revenue Growth Per Share Year-over-Year 20% 150 0 11.8% X . Jk 1999 2000 20012002 2003 2004 2005 2006 2007 2008 2009 Sept 10 -?-MTB -B-Peer Median -20% -16.7% IT1TVOTTJ Revenue reflects FTE Net Interest Income where available fC IVlfSlI I Irll lIC 32 andOther Income, and excludes securities gains losses m *-*- i - 1 -i **lll and any nonrecurring items.

Disciplined margin management M&T focuses on returns and relationships rather than volumes NetInterest Margin 4.5 4.0 nl *r 3.843.87 3.05 2.5 98 99 00 01 02 03 0405 06 07 08 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2009 2010 -MTB -Peer Median HhI l j#l151 W C 33Note: Taxable Equivalent net interest margin J ItAOcA JJCIAJ..I.V used forM&T and for peer banks when available.

Value of relationship lending seen in both credit and margin Risk-Adjusted Net Interest MarginSeptember2010 YTD 3.3% 3% 3.17% 2.94% 2 3% 2.17% 2.07% 2.06% 1.77% 1.45% _ 1.32% 1.3% H 1.00%0.98% 0.72% 0.52% 0.3% MTB Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10Peer 11 Peer 12 Peer 13 Peer 14 -0.7% -0.57% -1.04% -1.7% yT TV0 I TOflly OARisk-Adjusted Margin = FTE Net Interest Income less Net Charge- rs Aj IVXOiJ 13 ClJ .I.X. Offs asa percentage of average earning assets.

M&Ts model relies on maintaining above-average efficiency Operating Efficiency Ratio 65.73% 50%45% 00 01 02 03 04 05 06 07 08 09* Q1 Q2 Q3 MTB Peer Median 2010 Efficiency Ratioreflects non-interest expense (excluding amortization expense associated with ___ intangibleassets, merger-related expenses and other non-recurring expenses) as a percentage JT 1Y f % I 13 *-** % 1 of fully taxable equivalent net interest income and non-interest revenues(excluding gains from FiT]Alf I ACf I I bJII I Iv 35 securitiestransactions and non-recurring items). * 2009 Efficiency Ratio excludes FDIC SpecialAssessment for MTB and all Peers.

Operating Return on Avg. Tangible Common Equity Sept. 10 YTD Continued profitability despite thecredit environment 40% 30% 28.6% 9.6% _ 5.8% 3.2% 2.2% 1.4% 0 0 m HHHl Peer 1 Peer 2 Peer 3 MTB Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9Peer 10Peer 11Peer 12Peer 13Peer 14 -10% -0.4% -2 1% -10.1% -12.2% -20% -15.2% -30% -40% -43.4%- -50% VWV Note: Excludes amortization of intangibles and goodwill impairment, merger-relatedF.TT% IW f% 1"' I [5 #" % I .X OC items, and other nonrecurring items as noted bySNL. *J l.VXOv.X -DCil. J.-1.V Data is based on GAAP data presented in earnings releases and issubject to change based on regulatory filings.

Reconciliation of GAAP and Non-GAAP Measures Sep10 Net Income1998 1999 2000 2001 20022003 2004 2005 2006 2007 2008 2009 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 YTD $s in millions Netincome $198.3 $252.4 $268.2 $353.1 $456.7 $573.9 $722.5 $782.2 $839.2 $654.3 $555.9 $379.9 $64.2$51.2 $127.7 $136.8 $151.0 $188.7 $192.0 $531.7 Intangible amortization, net of tax 30.0 42.4 56.199.4 32.5 47.8 46.1 34.7 38.5 40.5 40.5 39.0 9.3 9.2 10.3 10.2 10.0 9.0 8.2 27.2 Merger-relateditems, net of tax 14.0 3.0 16.4 4.8 39.2 - 3.0 9.1 2.2 36.5 1.5 40.4 (9.2) 3.8 Netoperating income $242.3 $297.8 $340.7 $457.3 $489.2 $660.9 $768.6 $816.9 $880.7 $703.8 $598.6$455.4 $75.0 $100.8 $128.8 $150.8 $161.0 $197.8 $200.2 $558.9 Earnings Per ShareDilutedearnings per share $2.50 $3.13 $3.24 $3.58 $4.78 $4.95 $6.00 $6.73 $7.37 $5.95 $5.01 $2.89 $0.49$0.36 $0.97 $1.04 $1.15 $1.46 $1.48 $4.10 Intangible amortization, net of tax 0.38 0.52 0.67 1.000.34 0.41 0.38 0.30 0.33 0.37 0.36 0.34 0.09 0.08 0.09 0.09 0.08 0.07 0.07 0.23 Merger-relateditems, net of tax 0.18 0.04 0.20 0.05 0.34 - 0.03 0.08 0.02 0.31 0.01 0.35 (0.08) 0.03 Diluted net operating earnings per share $3.06 $3.69 $4.11 $4.63 $5.12 $5.70 $6.38$7.03 $7.73 $6.40 $5.39 $3.54 $0.59 $0.79 $0.98 $1.16 $1.23 $1.53 $1.55 $4.33 EfficiencyRatio$s in millions Non-interest expenses 5 78.6 5 96.7 $718.6 $980.6 $961.6 $1,448.2$1,516.0 $1,485.1 $1,551.7 $1,627.7 $1,727.0 $1,980.6 $438.3 $563.7 $500.1 $478.5 $489.4 $476.1$480.1 $1,445.6 less: intangible amortization 3 4.5 4 9.7 6 9.6 1 21.7 5 1.5 7 8.2 7 5.4 5 6.863.0 66.5 66.6 64.3 15.4 15.2 16.9 16.7 16.5 14.8 13.5 44.8 less: charitable contribution 2 4.6 - - less: merger-related expenses 2 1.3 4 .7 2 6.0 8 .0 6 0.4 5.0 14.9 3.589.2 2.4 66.5 14.0 6.3 - Adjusted net operating expenses $498.2 $542.3 $623.0 $850.9 $910.1$1,309.6 $1,440.6 $1,428.3 $1,483.7 $1,546.3 $1,656.8 $1,827.2 $420.6 $482.0 $469.1 $455.5$472.9 $461.2 $466.6 $1,400.7 Adjusted T.E. revenues* 9 25.0 1 ,047.9 $1,192.5 $1,651.4 $1,774.2$2,443.7 $2,692.0 $2,789.5 $2,880.5 $2,930.2 $3,048.4 $3,262.8 $716.7 $802.9 $878.8 $864.4$846.3 $869.3 $873.7 $2,589.3 less: merger-related gains - - - - - 29.1 29.1 - -Adjusted net operating revenues $925.0 $1,047.9 $1,192.5 $1,651.4 $1,774.2 $2,443.7 $2,692.0$2,789.5 $2,880.5 $2,930.2 $3,048.4 $3,233.7 $716.7 $802.9 $849.7 $864.4 $846.3 $869.3 $873.7$2,589.3 Net operating efficiency ratio 53.9% 51.8% 52.3% 51.5% 51.3% 53.6% 53.5% 51.2% 51.5%52.8% 54.4% 56.5% 58.7% 60.0% 55.2% 52.7% 55.9% 53.1% 53.4% 54.1% * Excludes gain (loss)on saleof securities. J M&T Bsnlc 37

Reconciliation of GAAP and Non-GAAP Measures Sep10 Average Assets 2006 2007 2008 2009 1Q09 2Q093Q09 4Q09 1Q10 2Q10 3Q10 YTD $s in millions Average assets $55,839 $58,545 $65,132 $67,472$64,766 $66,984 $69,154 $68,919 $68,883 $68,334 $67,811 $68,339 Goodwill (2,908) (2,933) (3,193)(3,393) (3,192) (3,326) (3,525) (3,525) (3,525) (3,525) (3,525) (3,525) Core deposit and otherintangible assets (191) (221) (214) (191) (176) (188) (208) (191) (176) (160) (146) (160)Deferredtaxes 38 24 30 33 22 30 41 37 34 30 27 30 Average tangible assets $52,778 $55,415 $61,755 $63,921$61,420 $63,500 $65,462 $65,240 $65,216 $64,679 $64,167 $64,684 Average Common Equity $s inmillions Average common equity $6,041 $6,247 $6,423 $6,616 $6,212 $6,491 $6,794 $6,957 $7,136 $7,302 $7,444 $7,295 Goodwill ( 2,908) ( 2,933) ( 3,193) ( 3,393) ( 3,192) (3,326) ( 3,525) ( 3,525) ( 3,525) ( 3,525) ( 3,525) ( 3,525) Core deposit and other intangibleassets ( 191) ( 221) ( 214) ( 191) ( 176) ( 188) ( 208) ( 191) (176) ( 160) ( 146) ( 160) Deferredtaxes 3 8 2 4 3 0 3 3 2 2 3 0 4 1 3 7 3 4 3 0 2 7 3 0 Average tangible common equity $2 ,980 $3 ,117 $3 ,046 $3 ,065 $2 ,866 $3 ,007 $3 ,102 $3 ,278 $3 ,469 $3 ,647 $3 ,800 $3 ,640 J M&T Bsnlc 38

Additional Information: In connection with the proposed merger, M&T Bank Corporation (M&T) willfile with the U.S. Securities and Exchange Commission (the SEC) a Registration Statement on FormS-4 that will include a Proxy Statement of Wilmington Trust Corporation (Wilmington Trust) and aProspectus of M&T, as well as other relevant documents concerning the proposed transaction.INVESTORS ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT PROSPECTUS REGARDINGTHE MERGER WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELLAS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANTINFORMATION. Investors will be able to obtain a free copy of the Proxy Statement Prospectus, aswell as other filings containing information about M&T and Wilmington Trust at the SECs Internetsite ( http: www.sec.gov). You will also be able to obtain these documents, free of charge,at http: www.mtb.comunder the tab About Us and then under the heading InvestorRelations and then under SEC Filings. Copies of the Proxy Statement Prospectus and the SECfilings that will be incorporated by reference in the Proxy Statement Prospectus can also beobtained, free of charge, by directing a request to Investor Relations, One M&T Plaza, Buffalo, NewYork 14203, (716)842-5138. M&T and Wilmington Trust and their respective directors and executiveofficers may be deemed to be participants in the solicitation of proxies from the stockholders ofWilmington Trust in connection with the proposed merger. Information about the directors andexecutive officers of M&T is set forth in the proxy statement for M&Ts 2010 annual meeting ofstockholders, as filed with the SEC on a Schedule14A on March5, 2010. Information about thedirectors and executive officers of Wilmington Trust is set forth in the proxy statement forWilmington Trusts 2010 annual meeting of stockholders, as filed with the SEC on a Schedule14A onFebruary22, 2010. Additional information regarding the interests of those persons and otherpersons who may be deemed participants in the transaction may be obtained by reading the ProxyStatement Prospectus regarding the proposed merger when it becomes available. You may obtain freecopies of this document as described in the preceding paragraph. M&T Bank 39s T MINGTON

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