M&T Bank Corporation (M&T) is a bank holding company for M&T Bank and Wilmington Trust, National Association (Wilmington Trust, N.A.). Its segments include Business Banking, Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking and Retail Banking. The Business Banking segment provides deposit, lending, cash management and other financial services. The Commercial Banking segment offers credit products and banking services for middle-market and commercial customers. The Commercial Real Estate segment provides credit and deposit services. The Discretionary Portfolio segment provides investment and trading securities, loans and other assets; borrowed funds, and deposits. The Residential Mortgage Banking segment originates and services residential mortgage loans. The Retail Banking segment offers a range of services to consumers through delivery channels, such as branch offices, automated teller machines, telephone banking and Internet banking.