M&T Bank Corporation Announces Preliminary Stress Capital Buffer
M&T Bank Corporation (NYSE: MTB) announced that the Federal Reserve Board has set its preliminary stress capital buffer (SCB) at 2.7%, effective October 1, 2025, a reduction from the previous 3.8%. This adjustment lowers the company's regulatory minimum CET1 ratio requirement to 7.2% from 8.3%.
The bank reported a CET1 ratio of 11.50% as of March 31, 2025, and projects reaching 11.0% in 2025. CEO Ren茅 Jones attributed the improved SCB to the company's earnings strength, enhanced risk management, reduced commercial real estate concentration, and improved asset quality. The new SCB shows a significant improvement from the 4.7% level in the 2022 Supervisory Stress Test.
M&T Bank Corporation (NYSE: MTB) ha annunciato che il Federal Reserve Board ha fissato il suo buffer preliminare di capitale da stress (SCB) al 2,7%, valido dal 1掳 ottobre 2025, in calo rispetto al precedente 3,8%. Questa modifica riduce il requisito minimo regolamentare del rapporto CET1 al 7,2% rispetto all'8,3% precedente.
La banca ha riportato un rapporto CET1 dell'11,50% al 31 marzo 2025 e prevede di raggiungere l'11,0% nel 2025. L'amministratore delegato Ren茅 Jones ha attribuito il miglioramento dello SCB alla solidit脿 degli utili dell'azienda, al miglioramento della gestione del rischio, alla riduzione della concentrazione nel settore immobiliare commerciale e al miglioramento della qualit脿 degli attivi. Il nuovo SCB rappresenta un miglioramento significativo rispetto al livello del 4,7% registrato nel Supervisory Stress Test del 2022.
M&T Bank Corporation (NYSE: MTB) anunci贸 que la Junta de la Reserva Federal estableci贸 su buffer preliminar de capital por estr茅s (SCB) en 2.7%, efectivo a partir del 1 de octubre de 2025, una reducci贸n respecto al 3.8% anterior. Este ajuste reduce el requisito m铆nimo regulatorio del ratio CET1 a 7.2% desde el 8.3%.
El banco report贸 un ratio CET1 del 11.50% al 31 de marzo de 2025 y proyecta alcanzar el 11.0% en 2025. El CEO Ren茅 Jones atribuy贸 la mejora del SCB a la fortaleza en las ganancias de la compa帽铆a, la gesti贸n de riesgos mejorada, la reducci贸n de la concentraci贸n en bienes ra铆ces comerciales y la mejora en la calidad de los activos. El nuevo SCB representa una mejora significativa respecto al 4.7% del Test de Estr茅s Supervisado de 2022.
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M&T Bank Corporation (NYSE: MTB) a annonc茅 que le Federal Reserve Board a fix茅 son buffer de capital de stress (SCB) pr茅liminaire 脿 2,7%, 脿 compter du 1er octobre 2025, soit une r茅duction par rapport au pr茅c茅dent 3,8%. Cet ajustement abaisse l'exigence r茅glementaire minimale du ratio CET1 脿 7,2% contre 8,3% auparavant.
La banque a d茅clar茅 un ratio CET1 de 11,50% au 31 mars 2025 et pr茅voit d'atteindre 11,0% en 2025. Le PDG Ren茅 Jones a attribu茅 l'am茅lioration du SCB 脿 la solidit茅 des b茅n茅fices de l'entreprise, 脿 une gestion des risques renforc茅e, 脿 une r茅duction de la concentration dans l'immobilier commercial et 脿 une meilleure qualit茅 des actifs. Le nouveau SCB marque une am茅lioration significative par rapport au niveau de 4,7% lors du test de r茅sistance supervis茅 de 2022.
M&T Bank Corporation (NYSE: MTB) gab bekannt, dass der Federal Reserve Board seinen vorl盲ufigen Stress-Kapitalpuffer (SCB) zum 1. Oktober 2025 auf 2,7% festgelegt hat, was eine Reduzierung gegen眉ber dem vorherigen Wert von 3,8% darstellt. Diese Anpassung senkt die regulatorische Mindestanforderung f眉r die CET1-Quote von 8,3% auf 7,2%.
Die Bank meldete zum 31. M盲rz 2025 eine CET1-Quote von 11,50% und prognostiziert f眉r 2025 einen Wert von 11,0%. CEO Ren茅 Jones f眉hrte die Verbesserung des SCB auf die Ertragsst盲rke des Unternehmens, verbesserte Risikomanagementpraktiken, eine geringere Konzentration im Bereich Gewerbeimmobilien und eine verbesserte Verm枚gensqualit盲t zur眉ck. Der neue SCB zeigt eine deutliche Verbesserung gegen眉ber dem Niveau von 4,7% im Supervisory Stress Test 2022.
- Stress capital buffer reduced to 2.7% from 3.8%, indicating improved risk profile
- Strong CET1 ratio of 11.50%, well above regulatory minimum of 7.2%
- Improved asset quality and reduced commercial real estate concentration
- 2.0% improvement in SCB compared to 2022 levels (4.7% to 2.7%)
- Projected decline in CET1 ratio from current 11.50% to 11.0% by end of 2025
叠鲍贵贵础尝翱,听狈.驰., July 1, 2025 /PRNewswire/ -- M&T Bank Corporation ("M&T" or the "Company") (NYSE:聽MTB) today announced the Federal Reserve Board has determined the Company's preliminary stress capital buffer ("SCB"), under the current rules, is
The Company's regulatory minimum CET1 ratio implied by the preliminary SCB is now
"Our decision to participate in the 2025 Supervisory Stress Test was based on the strength of the company's earnings power and continued risk management efforts, including a reduction in our commercial real estate concentration and improved asset quality," said Ren茅 Jones, M&T's Chairman and Chief Executive Officer. "The lower SCB reflects those efforts and will allow the company to continue to support our customers and communities and return capital to shareholders over time. This SCB of
About M&T
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Forward-Looking Statements
This news release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, and future performance of M&T, including under hypothetical regulatory stress testing scenarios. Any statement that does not describe historical or current facts is a forward-looking statement, including statements based on current expectations, estimates and projections about M&T's business, and management's beliefs and assumptions. Forward-looking statements are typically identified by words such as "expect," "anticipate," "continue," "will," "would," or "may," or by variations of such words or by similar expressions. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions that are difficult to predict. Many possible events or factors could affect M&T's future financial results and performance and could cause actual results or performance to differ materially from anticipated results or performance. M&T provides further detail regarding factors which could affect forward-looking statements in its Form 10-K for the year ended December 31, 2024, including in the Risk Factors section of such report, as well as in other SEC filings. Forward-looking statements speak only as of the date they are made, and M&T assumes no duty and does not undertake to update forward-looking statements.
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