FORM 8-K

Exhibit 99


INVESTOR CONTACT:	Donald J. MacLeod	FOR IMMEDIATE RELEASE:
	(716) 842-5138	April 21, 2009

MEDIA CONTACT:	C. Michael Zabel
	(716) 842-5385

M&T BANK CORPORATION ANNOUNCES FIRST QUARTER PROFITS

BUFFALO, NEW YORK — M&T Bank Corporation (“M&T”) (NYSE: MTB) today reported its results of operations for the quarter ended March 31, 2009.

GAAP Results of Operations. Diluted earnings per common share measured in accordance with generally accepted accounting principles (“GAAP”) for the first quarter of 2009 were $.49. GAAP-basis net income in the recently completed quarter totaled $64 million. GAAP-basis net income for the initial quarter of 2009 expressed as an annualized rate of return on average assets and average common stockholders’ equity was .40% and 3.61%, respectively.

M&T recognized $32 million (pre-tax) of other-than-temporary impairment charges in the recent quarter on certain available-for-sale investment securities. Those charges reduced net income and diluted earnings per common share by $20 million and $.18, respectively, and reflect M&T’s early adoption of recently issued accounting pronouncements. However, because the investment securities were previously reflected at fair value on the consolidated balance sheet, the impairment charges did not reduce stockholders’ equity. Also reflected in the recent quarter’s results was a provision for credit losses of $158 million, which exceeded net loan charge-offs by $58 million.

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M&T BANK CORPORATION

Commenting on M&T’s first quarter results, René F. Jones, Executive Vice President and Chief Financial Officer, noted, “Our performance for the quarter was dampened by the impairment charges on investment securities and a higher provision for credit losses. We also experienced a temporary decline in our net interest margin. Most important, despite those factors, we continued to remain profitable, and we generated sufficient capital to improve our tangible capital ratio from the end of 2008, without reducing our common stock dividend. We have also seen several positive signs in the quarter. Net charge-offs of 83 basis points of total loans were improved from last quarter and will likely stand out favorably when compared to the top U.S. regional banks. Despite that improvement, we considered it prudent to build the allowance for credit losses given the state of the economy. Core customer deposits grew by $1.7 billion, or an annualized 20 percent, on the heels of $1.5 billion or 18 percent growth experienced last quarter. Impressively, noninterest-bearing deposits jumped an annualized 28% from the fourth quarter. Finally, our residential mortgage banking operations registered record revenues during the quarter.”

Diluted earnings per common share were $1.82 and $.92 in the first and fourth quarters of 2008, respectively. Net income for those respective quarters was $202 million and $102 million. Net income expressed as an annualized rate of return on average assets and average common stockholders’ equity for the first quarter of 2008 was 1.25% and 12.49%, respectively, compared with .63% and 6.41%, respectively, in 2008’s final quarter. Net income for the first three months of 2008 included $29 million, or $.26 of diluted earnings per common share, as a result of M&T Bank’s membership interest in Visa. Net income for the fourth quarter 2008 reflected other-than-temporary impairment charges on

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certain investment securities that reduced net income and diluted earnings per common share by $14 million and $.13, respectively.

Supplemental Reporting of Non-GAAP Results of Operations. M&T consistently provides supplemental reporting of its results on a “net operating” or “tangible” basis, from which M&T excludes the after-tax effect of amortization of core deposit and other intangible assets (and the related goodwill, core deposit intangible and other intangible asset balances, net of applicable deferred tax amounts) and expenses associated with merging acquired operations into M&T, since such expenses are considered by management to be “nonoperating” in nature. Although “net operating income” as defined by M&T is not a GAAP measure, M&T’s management believes that this information helps investors understand the effect of acquisition activity in reported results. Amortization of core deposit and other intangible assets, after tax effect, was $9 million ($.09 per diluted common share) in the first quarter of 2009, compared with $11 million ($.10 per diluted common share) in the year-earlier quarter and $10 million ($.08 per diluted common share) in the fourth quarter of 2008. Expenses associated with M&T’s pending acquisition of Provident Bankshares Corporation (“Provident”) were $1 million, after tax effect, or $.01 of diluted earnings per common share, during the recent quarter. Merger-related acquisition and integration expenses during the three-month period ended March 31, 2008 related to prior acquisitions totaled $2 million, after tax effect, or $.02 of diluted earnings per common share. There were no such charges in 2008’s fourth quarter.

Diluted net operating earnings per common share, which exclude the impact of amortization of core deposit and other intangible assets and merger-related expenses, were $.59 for the first quarter of 2009, compared with $1.94 in the year-earlier

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quarter. Net operating income for the quarter ended March 31, 2009 was $75 million, compared with $216 million in the corresponding 2008 quarter. Expressed as an annualized rate of return on average tangible assets and average tangible common stockholders’ equity, net operating income was ..50% and 9.36%, respectively, in the first quarter of 2009, compared with 1.41% and 27.86% in the initial quarter of 2008. Diluted net operating earnings per common share and net operating income for the fourth quarter of 2008 were $1.00 and $112 million, respectively. The annualized rates of return on average tangible assets and average tangible common stockholders’ equity were .72% and 15.01%, respectively, in the final quarter of 2008.

Taxable-equivalent Net Interest Income. Taxable-equivalent net interest income totaled $453 million in the first quarter of 2009, compared with $485 million in the year-earlier quarter and $491 million in the fourth quarter of 2008. The lower net interest income in the recent quarter as compared with the final 2008 quarter reflects a narrowing of the net interest margin, or taxable-equivalent net interest income expressed as an annualized percentage of average earning assets, to 3.19% from 3.37%. The narrowing was largely attributable to a rapid decline in market interest rates late in the fourth quarter of 2008 and the impact on rates earned on loans repricing more quickly than the rates paid on interest-bearing liabilities.

Provision for Credit Losses/Asset Quality. The provision for credit losses was $158 million in the first quarter of 2009, compared with $60 million and $151 million in the year-earlier quarter and in the fourth quarter of 2008, respectively. Net charge-offs of loans during the recent quarter were $100 million, improved from $144 million in the final quarter of 2008. Net charge-offs were $46 million in the initial 2008 quarter.

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Expressed as an annualized percentage of average loans outstanding, net charge-offs were .83% and ..38% in the first quarter of 2009 and 2008, respectively, and 1.17% in 2008’s fourth quarter. The excess of the provision over net charge-offs in the recent quarter was deemed necessary due largely to a commercial loan that was transferred to nonaccrual status during the quarter and for which the full collectibility is in doubt.

The higher levels of net charge-offs in the two most recent quarters as compared with the first quarter of 2008 were largely driven by the continuing recession being experienced in the United States. Sharp declines have been experienced in residential real estate values, which has adversely impacted businesses and investments tied directly to the residential real estate marketplace.

Loans classified as nonaccrual totaled $1.0 billion, or 2.05% of total loans at March 31, 2009, up from $755 million or 1.54% at December 31, 2008 and $477 million or .97% at March 31, 2008. Major factors contributing to the rise in nonaccrual loans from December 31, 2008 to the recent quarter-end were a $62 million increase in loans to builders and developers of residential real estate and a $41 million increase in residential real estate loans, as well as the commercial loan already noted that was added to this category. Those same factors were large contributors to the rise in nonaccrual loans at March 31, 2009 as compared with a year earlier.

Assets taken in foreclosure of defaulted loans were $100 million at March 31, 2009 and December 31, 2008, up from $53 million at March 31, 2008. The higher levels of such assets at the two most recent quarter-ends were due to residential real

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estate loan defaults and additions from residential real estate development projects.

In an effort to assist borrowers, M&T continues to modify the terms of select residential real estate loans, consisting largely of loans in M&T’s portfolio of Alt-A loans. At March 31, 2009, modified loans totaled $216 million, of which $106 million were classified as nonaccrual. The remaining modified loans were classified as renegotiated loans at March 31, 2009 and were accruing interest at that date.

Loans past due 90 days or more and accruing interest were $143 million at the end of the recently completed quarter, compared with $81 million at March 31, 2008 and $159 million at December 31, 2008. Included in those past due but accruing amounts were loans guaranteed by government-related entities of $127 million and $77 million at March 31, 2009 and 2008, respectively, and $114 million at December 31, 2008.

Allowance for Credit Losses. M&T regularly performs detailed analyses of individual borrowers and portfolios for purposes of assessing the adequacy of the allowance for credit losses. Reflecting those analyses, the allowance totaled $846 million, or 1.73% of total loans, at March 31, 2009, compared with $774 million, or 1.57%, a year earlier and $788 million, or 1.61%, at December 31, 2008.

Noninterest Income and Expense. Excluding gains and losses from investment securities, noninterest income totaled $264 million and $279 million in the first quarter of 2009 and 2008, respectively, and $265 million in 2008’s final quarter. Contributing to the lower noninterest income in the initial 2009 quarter as compared with the similar 2008 quarter were declines

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in credit-related fees, trust income, and trading account and foreign exchange gains. Partially offsetting those declines were significantly higher residential mortgage banking revenues, which rose 50% to $48 million in the recent quarter from $32 million in the year-earlier period, and were up 64% from $29 million in 2008’s final quarter. Residential mortgage loans in the pipeline, which include loans originated for sale and commitments to originate loans for sale, surged to $4.4 billion at March 31, 2009, up 53% from a year earlier and 85% higher than at December 31, 2008. As compared with 2008’s fourth quarter, the recent quarter’s record level of residential mortgage banking revenues were offset by seasonally lower fees for providing consumer deposit account services and lower bank owned life insurance income and other market-sensitive revenues.

Noninterest expense in the first quarter of 2009 aggregated $438 million, compared with $426 million and $447 million in the first and fourth quarters of 2008, respectively. Included in such amounts are expenses considered to be nonoperating in nature consisting of amortization of core deposit and other intangible assets and merger-related expenses. Exclusive of these nonoperating expenses, noninterest operating expenses were $421 million in the recently completed quarter, $404 million in the first quarter of 2008 and $431 million in the final 2008 quarter. Reflected in such expenses in the recent quarter was a partial reversal of the valuation allowance for impairment of capitalized residential mortgage servicing rights of $5 million, compared with additions to the valuation allowance of $5 million and $19 million in the first and fourth quarters of 2008, respectively, and a $15 million reversal of a Visa litigation accrual in 2008’s initial quarter. Contributing to the remaining 3% increase in operating expenses in the recent quarter as compared with the year-earlier

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quarter were higher charges for professional services and deposit insurance. The rise in expenses from the fourth quarter of 2008 was largely the result of seasonally higher costs for stock-based compensation, payroll-related taxes and the Company’s contributions for retirement savings plan benefits related to incentive compensation payments.

The efficiency ratio, or noninterest operating expenses divided by the sum of taxable-equivalent net interest income and noninterest income (exclusive of gains and losses from bank investment securities), measures the relationship of operating expenses to revenues. M&T’s efficiency ratio was 58.7% in the first quarter of 2009, compared with 52.8% in the year-earlier period and 57.0% in the fourth quarter of 2008.

Balance Sheet. M&T had total assets of $64.9 billion at March 31, 2009, compared with $66.1 billion a year earlier. Loans and leases, net of unearned discount, were $48.9 billion at the recent quarter-end, compared with $49.3 billion at March 31, 2008. Total deposits rose 2% to $42.5 billion at March 31, 2009 from $41.5 billion a year earlier. Domestic deposits jumped $4.5 billion, or 13%, to $40.3 billion at the most recent quarter-end from $35.8 billion at March 31, 2008. Total stockholders’ equity was $6.9 billion and $6.5 billion at March 31, 2009 and 2008, respectively, representing 10.64% of total assets at the recent quarter-end and 9.82% a year earlier. Common stockholders’ equity was $6.3 billion, or $56.95 per share at March 31, 2009, compared with $6.5 billion, or $58.92 per share, a year earlier. Tangible equity per common share was $26.90 at March 31, 2009, compared with $28.14 a year earlier. The year-over-year declines in the per share amounts for common stockholders’ equity and tangible common equity were largely the result of higher net unrealized losses in the available-for-sale investment securities portfolio. In the

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calculation of tangible equity per common share, common stockholders’ equity is reduced by the carrying values of goodwill and core deposit and other intangible assets, net of applicable deferred tax balances, which aggregated $3.3 billion and $3.4 billion at March 31, 2009 and 2008, respectively.

M&T announced in December 2008 that it had entered into a definitive agreement to acquire Provident in a stock-for-stock transaction. The transaction is expected to close in the second quarter of 2009, pending regulatory approvals. Provident’s shareholders approved the transaction earlier this month.

Conference Call. Investors will have an opportunity to listen to M&T’s conference call to discuss first quarter financial results today at 3:00 p.m. Eastern Time. Those wishing to participate in the call may dial 877-780-2276. International participants, using any applicable international calling codes, may dial 973-582-2700. Callers should reference M&T Bank Corporation or the conference ID #91771839. The conference call will be webcast live through M&T’s website at http://ir.mandtbank.com/conference.cfm. A replay of the call will be available until Thursday, April 23, 2009 by calling 800-642-1687, or 706-645-9291 for international participants, and by making reference to the ID #91771839. The event will also be archived and available by 7:00 p.m. today on M&T’s website at http://ir.mandtbank.com/conference.cfm.

M&T is a bank holding company whose banking subsidiaries, M&T Bank and M&T Bank, National Association, operate branch offices in New York, Pennsylvania, Maryland, Virginia, West Virginia, Delaware, New Jersey and the District of Columbia.

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Forward-Looking Statements. This news release contains forward-looking statements that are based on current expectations, estimates and projections about M&T’s business, management’s beliefs and assumptions made by management. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions (“Future Factors”) which are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in such forward-looking statements.

Future Factors include changes in interest rates, spreads on earning assets and interest-bearing liabilities, and interest rate sensitivity; prepayment speeds, loan originations, credit losses and market values on loans, collateral securing loans, and other assets; sources of liquidity; common shares outstanding; common stock price volatility; fair value of and number of stock-based compensation awards to be issued in future periods; legislation affecting the financial services industry as a whole, and M&T and its subsidiaries individually or collectively, including tax legislation; regulatory supervision and oversight, including monetary policy and required capital levels; changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies; increasing price and product/service competition by competitors, including new entrants; rapid technological developments and changes; the ability to continue to introduce competitive new products and services on a timely, cost-effective basis; the mix of products/services; containing costs and expenses; governmental and public policy changes; protection and validity of intellectual property rights; reliance on large customers; technological, implementation and cost/financial risks in large, multi-year contracts; the outcome of pending and future litigation and governmental proceedings, including tax-related

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examinations and other matters; continued availability of financing; financial resources in the amounts, at the times and on the terms required to support M&T and its subsidiaries’ future businesses; and material differences in the actual financial results of merger, acquisition and investment activities compared with M&T’s initial expectations, including the full realization of anticipated cost savings and revenue enhancements.

These are representative of the Future Factors that could affect the outcome of the forward-looking statements. In addition, such statements could be affected by general industry and market conditions and growth rates, general economic and political conditions, either nationally or in the states in which M&T and its subsidiaries do business, including interest rate and currency exchange rate fluctuations, changes and trends in the securities markets, and other Future Factors.

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M&T BANK CORPORATION
Financial Highlights


	Three months ended
	March 31
Amounts in thousands, except per share	2009			2008			Change

Performance

Net income	$	64,221			202,196			-68	%

Per common share:
Basic earnings	$	.49			1.84			-73	%
Diluted earnings		.49			1.82			-73
Cash dividends	$	.70			.70			—

Common shares outstanding:
Average — diluted (1)		110,439			110,967			—	%
Period end (2)		111,132			110,108			1

Return on (annualized):
Average total assets		.40	%		1.25	%
Average common stockholders’ equity		3.61	%		12.49	%

Taxable-equivalent net interest income	$	452,740			484,633			-7	%

Yield on average earning assets		4.65	%		6.20	%
Cost of interest-bearing liabilities		1.74	%		3.26	%
Net interest spread		2.91	%		2.94	%
Contribution of interest-free funds		.28	%		.44	%
Net interest margin		3.19	%		3.38	%

Net charge-offs to average total net loans (annualized)		.83	%		.38	%

Net operating results (3)

Net operating income	$	75,034			215,597			-65	%
Diluted net operating earnings per common share		.59			1.94			-70
Return on (annualized):
Average tangible assets		.50	%		1.41	%
Average tangible common equity		9.36	%		27.86	%
Efficiency ratio		58.68	%		52.85	%

	At March 31
Loan quality	2009			2008			Change

Nonaccrual loans	$	1,003,987			477,436			110	%
Accruing loans past due 90 days or more		142,842			81,316			76	%
Renegotiated loans		130,932			17,084			666	%
Real estate and other foreclosed assets		100,270			52,805			90	%

Nonaccrual loans to total net loans		2.05	%		.97	%
Allowance for credit losses to total net loans		1.73	%		1.57	%


(1)		Includes common stock equivalents.

(2)		Includes common stock issuable under deferred compensation plans.

(3)		Excludes amortization and balances related to goodwill and core deposit and other intangible assets and merger-related expenses which, except in the calculation of the efficiency ratio, are net of applicable income tax effects.

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M&T BANK CORPORATION
Condensed Consolidated Statement of Income


	Three months ended March 31
Dollars in thousands	2009			2008			Change

Interest income	$	654,512			884,162			-26	%
Interest expense		206,705			405,312			-49


Net interest income		447,807			478,850			-6

Provision for credit losses		158,000			60,000			163


Net interest income after provision for credit losses		289,807			418,850			-31

Other income
Mortgage banking revenues		56,233			40,070			40
Service charges on deposit accounts		101,029			103,454			-2
Trust income		34,880			40,304			-13
Brokerage services income		15,393			15,473			-1
Trading account and foreign exchange gains		1,435			4,713			-70
Gain (loss) on bank investment securities		(31,624	)		33,447			—
Equity in earnings of Bayview Lending Group, LLC		(4,144	)		(1,260	)		—
Other revenues from operations		59,139			76,462			-23

Total other income		232,341			312,663			-26

Other expense
Salaries and employee benefits		249,392			251,871			-1
Equipment and net occupancy		48,172			46,765			3
Printing, postage and supplies		9,095			9,896			-8
Amortization of core deposit and other intangible assets		15,370			18,483			-17
Deposit insurance		5,856			1,539			281
Other costs of operations		110,461			97,150			14

Total other expense		438,346			425,704			3

Income before income taxes		83,802			305,809			-73

Applicable income taxes		19,581			103,613			-81


Net income	$	64,221			202,196			-68	%

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M&T BANK CORPORATION
Condensed Consolidated Balance Sheet


	March 31
Dollars in thousands	2009		2008		Change
ASSETS

Cash and due from banks	$	1,117,845		1,763,426		-37	%
Interest-bearing deposits at banks		27,374		7,027		290
Federal funds sold and agreements to resell securities		125,800		12,700		891
Trading account assets		591,802		372,067		59
Investment securities		7,686,845		8,676,357		-11
Loans and leases, net of unearned discount		48,918,140		49,278,881		-1
Less: allowance for credit losses		845,971		773,624		9

Net loans and leases		48,072,169		48,505,257		-1
Goodwill		3,192,128		3,192,128		—
Core deposit and other intangible assets		168,126		230,093		-27
Other assets		3,901,106		3,326,518		17

Total assets	$	64,883,195		66,085,573		-2	%


LIABILITIES AND STOCKHOLDERS’ EQUITY

Noninterest-bearing deposits at U.S. offices	$	9,544,932		7,890,326		21	%
Other deposits at U.S. offices		30,763,204		27,936,260		10
Deposits at foreign office		2,169,220		5,706,424		-62

Total deposits		42,477,356		41,533,010		2
Short-term borrowings		2,641,811		6,195,434		-57
Accrued interest and other liabilities		1,326,545		1,196,756		11
Long-term borrowings		11,535,644		10,672,411		8

Total liabilities		57,981,356		59,597,611		-3
Stockholders’ equity (1)		6,901,839		6,487,962		6

Total liabilities and stockholders’ equity	$	64,883,195		66,085,573		-2	%


(1)		Reflects accumulated other comprehensive loss, net of applicable income tax effect, of $622.4 million at March 31, 2009 and $259.5 million at March 31, 2008.

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M&T BANK CORPORATION
Condensed Consolidated Average Balance Sheet
and Annualized Taxable-equivalent Rates


	Three months ended
	March 31
	2009					2008
											Change in
Dollars in millions	Balance		Rate			Balance		Rate			balance

ASSETS

Interest-bearing deposits at banks	$	20		.16	%		10		1.65	%		89	%

Federal funds sold and agreements to resell securities		102		.23			129		2.99			-21

Trading account assets		73		.67			75		1.39			-2

Investment securities		8,490		4.81			8,924		5.24			-5

Loans and leases, net of unearned discount
Commercial, financial, etc		14,031		3.74			13,308		6.06			5
Real estate — commercial		18,795		4.40			17,994		6.35			4
Real estate — consumer		5,033		5.59			5,977		6.17			-16
Consumer		10,965		5.62			11,296		6.91			-3

Total loans and leases, net		48,824		4.64			48,575		6.40			1


Total earning assets		57,509		4.65			57,713		6.20			—

Goodwill		3,192					3,196					—

Core deposit and other intangible assets		176					239					-27

Other assets		3,889					3,867					1


Total assets	$	64,766					65,015					—	%


LIABILITIES AND STOCKHOLDERS’ EQUITY

Interest-bearing deposits
NOW accounts	$	536		.25			484		.85			11	%
Savings deposits		21,203		.80			16,843		1.59			26
Time deposits		8,720		2.81			10,416		4.12			-16
Deposits at foreign office		2,473		.16			4,821		3.20			-49

Total interest-bearing deposits		32,932		1.28			32,564		2.63			1


Short-term borrowings		3,477		.27			7,153		3.46			-51
Long-term borrowings		11,643		3.51			10,270		5.13			13


Total interest-bearing liabilities		48,052		1.74			49,987		3.26			-4

Noninterest-bearing deposits		8,555					7,435					15

Other liabilities		1,379					1,080					28


Total liabilities		57,986					58,502					-1

Stockholders’ equity		6,780					6,513					4


Total liabilities and stockholders’ equity	$	64,766					65,015					—	%


Net interest spread				2.91					2.94
Contribution of interest-free funds				.28					.44
Net interest margin				3.19	%				3.38	%

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M&T BANK CORPORATION
Reconciliation of Quarterly GAAP to Non-GAAP Measures


	Three months ended
	March 31						December 31
	2009			2008			2008
Income statement data
In thousands, except per share
*Net income*
Net income	$	64,221			202,196			102,241
Amortization of core deposit and other intangible assets (1)		9,337			11,241			9,543
Merger-related expenses (1)		1,476			2,160			—

Net operating income	$	75,034			215,597			111,784

*Earnings per common share*
Diluted earnings per common share	$	.49			1.82			.92
Amortization of core deposit and other intangible assets (1)		.09			.10			.08
Merger-related expenses (1)		.01			.02			—

Diluted net operating earnings per common share	$	.59			1.94			1.00


Balance sheet data
In millions
*Average assets*
Average assets	$	64,766			65,015			64,942
Goodwill		(3,192	)		(3,196	)		(3,192	)
Core deposit and other intangible assets		(176	)		(239	)		(191	)
Deferred taxes		22			34			25

Average tangible assets	$	61,420			61,614			61,584

*Average common equity*
Average common equity	$	6,212			6,513			6,299
Goodwill		(3,192	)		(3,196	)		(3,192	)
Core deposit and other intangible assets		(176	)		(239	)		(191	)
Deferred taxes		22			34			25

Average tangible common equity	$	2,866			3,112			2,941


(1)		After any related tax effect.

###


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)


	Item 2.02. Results of Operations and Financial Condition.
	Item 9.01. Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
EX-99

Table of Contents

Table of Contents

Table of Contents


	M&T BANK CORPORATION
Date: April 21, 2009	By:	/s/ René F. Jones
		René F. Jones
		Executive Vice President and Chief Financial Officer


Exhibit No.

99		News Release dated April 21, 2009. Filed herewith.