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Q4 2019 M&T Bank Corp Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to the M&T Bank Fourth Quarter 2019 Earnings Conference Call. (Operator Instructions)
I will now turn the call over to Don MacLeod, Director of Investor Relations, to begin.
Thank you, Lorrie, and good morning. I'd like to thank everyone for participating in M&T's fourth quarter and full year 2019 earnings conference call, both by telephone and through the webcast.
If you have not read the earnings release we issued this morning, you may access it along with the financial tables and schedules from our website, www.mtb.com, and by clicking on the Investor Relations link and then on the Events & Presentations link.
Also before we start, I'd like to mention that comments made during this call might contain forward-looking statements relating to the banking industry and to M&T Bank Corporation. M
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