M&T Bank Corporation (M&T) is a bank holding company. The Company has two wholly owned bank subsidiaries: M&T Bank and Wilmington Trust, National Association (Wilmington Trust, N.A.). The Company offers a range of retail and commercial banking, trust and wealth management, and investment services to its customers. The Company’s segments include Business Banking, Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking and Retail Banking. The Business Banking segment provides a range of services to businesses within markets. The Commercial Banking segment provides a range of credit products and banking services for market and commercial customers. The Commercial Real Estate segment provides credit and deposit services to its customers. The Retail Banking segment offers services to consumers through several delivery channels which include branch offices, automated teller machines, telephone banking and Internet banking.