M and t Bank Corporation  (MTB)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial

M and t Bank Corporation Segments

Commercial Banking
   23.89 % of total Revenue
Commercial Real Estate
   16.02 % of total Revenue
Discretionary Portfolio
   1.22 % of total Revenue
Residential Mortgage Banking
   8.79 % of total Revenue
Retail Banking
   27.24 % of total Revenue
All Other
   12.89 % of total Revenue
Business Banking
   9.95 % of total Revenue

Business Segments (Sep. 30. 2015)
(in millions $)
III. Quarter
(of total Revenues)
(Sep. 30. 2015)
(in millions $)
III. Quarter
(Profit Margin)
Commercial Banking
270.55 23.89 % 108.42 40.07 %
Commercial Real Estate
181.48 16.02 % 85.31 47.01 %
Discretionary Portfolio
13.77 1.22 % 5.11 37.12 %
Residential Mortgage Banking
99.52 8.79 % 21.15 21.25 %
Retail Banking
308.52 27.24 % 64.72 20.98 %
All Other
146.03 12.89 % -28.31 -
Business Banking
112.65 9.95 % 24.00 21.3 %
1,132.53 100 % 280.40 24.76 %

• View Income Statement • View Competition by Segment • View Annual Report

Growth rates by Segment (Sep. 30. 2015)
Y/Y Revenue
III. Quarter
Q/Q Revenue
(Sep. 30. 2015)
Y/Y Income
III. Quarter
Q/Q Income
Commercial Banking
8.6 % 5.17 % 6.57 % 0.32 %
Commercial Real Estate
8.42 % 1.41 % 8.57 % 6.97 %
Discretionary Portfolio
-22.97 % -32.74 % -38.24 % -52.46 %
Residential Mortgage Banking
-9.72 % -11.17 % -15.47 % -23.64 %
Retail Banking
12.55 % 0.96 % 96.71 % -5.94 %
All Other
-24.73 % -25.01 % - -
Business Banking
4.88 % 1.37 % -22.36 % -5.36 %
1.1 % -4.04 % 1.84 % -2.19 %

• View Growth rates • View Competitors Segment Growth • View Market Share

To get more information on M And T Bank's Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking, Retail Banking, All Other, Business Banking, Total segment. Select each division with the arrow.

  M And T Bank's

Business Segments Description

The Commercial Banking segment provides a wide range of credit products and banking services for middle-market and large commercial customers, largely within the markets the Company serves. Services provided by this segment include commercial lending and leasing, deposit products, and cash management services.

The Commercial Real Estate segment provides credit and deposit services to its customers. Real estate securing loans in this segment is generally located in the New York City metropolitan area, upstate New York, Pennsylvania, Maryland, the District of Columbia, Delaware, Virginia, West Virginia and the northwestern portion of the United States. Commercial real estate loans may be secured by apartment/multifamily buildings; office, retail and industrial space; or other types of collateral. Activities of this segment also include the origination, sales and servicing of commercial real estate loans through the FNMA DUS program.

The Discretionary Portfolio segment includes investment and trading securities, residential mortgage loans and other assets; short-term and long-term borrowed funds; brokered certificates of deposit and interest rate swap agreements related thereto; and offshore branch deposits. This segment also provides services to commercial customers and consumers that include foreign exchange, securities trading and municipal bond underwriting and sales.

The Residential Mortgage Banking segment originates and services residential mortgage loans for consumers and sells substantially all of those loans in the secondary market to investors or to bank subsidiaries of M&T. In addition to the geographic regions served by or contiguous with the Company’s branch network, the Company maintains mortgage loan origination offices in several states in the western United States.

The Retail Banking segment offers a variety of services to consumers and small businesses through several delivery channels which include traditional and “in-store” banking offices, automated teller machines, telephone banking and internet banking. The Company has banking offices in New York State, Pennsylvania, Maryland, Virginia, the District of Columbia, West Virginia and Delaware. The Retail Banking segment also offers certain deposit and loan products on a nationwide basis through M&T Bank, N.A. Credit services offered by this segment include consumer installment loans, student loans, automobile loans (originated both directly and indirectly through dealers), home equity loans and lines of credit, and loans and leases to small businesses. The segment also offers to its customers deposit products, including demand, savings and time accounts; investment products, including mutual funds and annuities; and other services.

The Business Banking segment provides a wide range of services to small businesses and professionals through the Company’s branch network, business banking centers and other delivery channels such as telephone banking, Internet banking and automated teller machines within markets served by the Company. Services and products offered by this segment include various business loans and leases, including loans guaranteed by the Small Business Administration, business credit cards, deposit products, and financial services such as cash management, payroll and direct deposit, merchant credit card and letters of credit.


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