MTBM&T Bank Corporation

$31B

FY 2008 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$4.3B-4.8% YoY

Gross Profit

$2.5B58.9% margin

Operating Income

$740M17.4% margin

Net Income

$556M13.1% margin

EPS (Diluted)

$5.01

Cash Flow

Operating Cash Flow

$1.6B

Free Cash Flow

$1.5B

Stock-Based Comp.

$0

Balance Sheet

Total Assets

$65.8B

Total Liabilities

$59.0B

Stockholders' Equity

$6.8B

Cash & Equivalents

$1.6B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$4.3B	$4.5B	-4.8%
Gross Profit	$2.5B	$2.6B	-3.0%
Operating Income	$740M	$964M	-23.2%
Net Income	$556M	$654M	-15.0%

MTB FY 2008 Earnings — M&T Bank Corporation Revenue & Financial Results | Market Cap Arena