M&T Bank Corporation (NYSE:MTB) Q4 2023 Earnings Conference Call January 18, 2024 8:00 AM ET

Company Participants

Brian Klock - Investor Relations

Daryl Bible - Senior Executive Vice President and Chief Financial Officer

Conference Call Participants

Gerard Cassidy - RBC

Manan Gosalia - Morgan Stanley

John Pancari - Evercore ISI

Ebrahim Poonawala - Bank of America

Frank Schiraldi - Piper Sandler

Erika Najarian - UBS

Bill Carcache - Wolfe Research

Brian Foran - Autonomous

Steven Alexopoulos - JPMorgan

Ken Usdin - Jefferies

Chris Spahr - Wells Fargo Securities

Operator

Welcome to the M&T Bank Fourth Quarter and Full Year 2023 Earnings Conference Call. [Operator Instructions] Please be advised that today’s conference is being recorded. And I would now like to hand the conference over to Brian Klock, Head of Market and Investor Relations. Please go ahead.

Brian Klock

Thank you, Michael and good morning. I’d like to thank everyone for participating in M&T’s fourth quarter 2023 earnings conference call both by telephone and through the webcast. If you have not read the earnings release we issued this morning, you may access it along with the financial tables and schedules by going to our website, www.mtb.com, once there, you can click on the Investor Relations link and then on the Events and Presentations link.

Also before we start, I’d like to mention that today’s presentation may contain forward-looking information. Cautionary statements about this information are included in today’s earnings release materials and in the investor presentation as well as our SEC filings and other investor materials. The presentation also includes non-GAAP financial measures as identified in the earnings release and investor presentation. The appropriate reconciliations to GAAP are included in the appendix.

Joining me on the call this morning is M&T’s Senior Executive Vice President and CFO, Daryl Bible.

Now I’d like to turn the call over to Daryl.

Daryl Bible

Thank you, Brian and good morning everyone. As you will hear today on the call, 2023 mark a banner year for M&T Bank. On Slide 3, I want to acknowledge that the keys to our success to what continues to drive performance, remains our purpose, mission and operating principles. Our focus on making a difference in people’s lives and creating a positive impact in the communities we serve is core to how we operate. It is evident in how we show up for our communities in the moments of need like in Vermont and Lewiston, Maine, where we continue to help those impacted by tragedies. It is why we are committed to supporting small businesses that are the backbone of local economies. And it dictates how our charitable foundation which celebrated its 30th anniversary last year continues to uplift our partners. It is all done alongside our daily work of helping our customers achieve their financial goals.