M&T Bank Corporation (MTB) is a bank holding company whose banking subsidiaries, Manufacturers and Traders Trust Company and M&T Bank, National Association, provide individuals, corporations, institutions and other businesses with commercial and retail banking services, such as loans and deposits, trust, mortgage banking, asset management, insurance and other financial services. At the end of 2003, MTB had $50bn in assets and ranked as one of the 20 largest bank holding companies in the United States.