M&T(MTB) - 2024 Q2 - Earnings Call Presentation

7 • Net Operating ROTA increased +23 bps QoQ – Higher nonaccrual interest, partially offset by impact of cash flow hedges – Cost of interest-bearing liabilities remained stable 10 Balance Sheet – Average Loans $IN BILLIONS$54.5 $54.5$55.4 $56.8$58.1 $34.9$34.3 $33.5$32.7 $31.5$23.8 $23.6$23.3 $23.1$23.0 $20.3$20.2 $20.6$21.2 $22.0$133.5 $132.6$132.8 $133.8$134.6 6.02% 6.19% 6.33% 6.32% 6.38% C&I CRE Residential Mortgage Consumer Total Loans Total Loan Yield 2Q23 3Q23 4Q23 1Q24 2Q24 QoQ Drivers ...