M&T Bank is a company that provides commercial and retail banking services. It operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. The Commercial Bank segment provides credit products and banking services to middle-market and large commercial customers. The Retail Bank segment offers services to consumers and small businesses through the company’s branch network and other delivery channels such as telephone banking, internet banking, and automated teller machines. The Institutional Services and Wealth Management segment provides trustee, agency, investment management, and administrative services for corporations and institutions, investment bankers, corporate tax, finance and legal executives, and other institutional clients, as well as personal trust, planning, fiduciary, asset management, family office, and other services.