M&T Bank SWOT Analysis, USP & Competitors

M&T Bank

Parent Company

M&T Bank Corporation

Category

Regional Banks

Sector

Banking & Financial Services

Tagline/ Slogan

Understanding what's important

USP

In addition to providing banking services, it focuses on ways to make a difference for the environment

M&T Bank STP

Segment

Segments the market based on type: Personal banking and commercial banking

Target Group

Targets the commercial banking segment

Positioning

One of the companies in the S&P 500 stock index

M&T Bank SWOT Analysis

Strengths

1. Net income and earnings per share are increasing due to consistent financial performance

2. M&T Bank Corporation is one of the 20 largest independent bank holding companies in the US, with a wide prevalence in the domestic market with the presence of over 750 branches.

3. M&T's product portfolio includes a wide variety of financial products and services. The portfolio of services includes retail banking, commercial banking, and mortgage banking. 4. In addition to this it also provides real estate loans, insurance and mutual funds to name a few.

5. Company’s strengthening capital position provides sustainance against market volatility

6. The company has over 15000 people in its workforce and has gained strength from significant acquisitions

Weaknesses

1. M&T’s earning assets as a percentage of total assets have been declining which is a concern

2. As they own almost a lot of their buildings instead of taking them on lease, they increase the net accumulated depreciation in their books.

3. There are various legal cases pending against the M&T and its subsidiaries which might adversely affect the brand value.

Opportunities

1. M&T acquired the venerable Wilmington Trust Corporation and giving it the leading market share in Delaware. This trust can be effectively managed by providing services to financially sound individuals.

2. Owing to its large presence in the Southeastern and Midwest regions of the US, it has a decent prospect to consolidate its position in the region.

3. Robust Canadian economy and M&T’s long ties with the Canadian companies operating in the US would add advantage to improve its base in Canada.

Threats

1. Federal Deposit Insurance Corporation (FDIC) insurance premiums have increased significantly since the start of the financial crisis and it has decreased the margins of M&T Bank.

2. As a result of the Dodd-F rank Act, the capital standards have evolved in the banking industry and it could limit the group’s activities.

3. As a lender, it is exposed to credit risk as deteriorating credit quality would adversely affect it.

M&T Bank Competition

Competitors

1. HSBC Bank

2. International Bancshares Corporation

3. Fulton Financial Corporation