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  <xsd:element id="mtb_CommitmentsToExtendCreditAbstract" name="CommitmentsToExtendCreditAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FinancingReceivableAllowanceForCreditLossesNetWriteOffsAbstract" name="FinancingReceivableAllowanceForCreditLossesNetWriteOffsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
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  <xsd:element id="mtb_LoansAndLeasesReceivableConsumerInstallmentRevolvingAndHomeEquity" name="LoansAndLeasesReceivableConsumerInstallmentRevolvingAndHomeEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_LoansAndLeasesReceivableGrossWriteoffs" name="LoansAndLeasesReceivableGrossWriteoffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_LoansAndLeasesReceivableThirtyToEightyNineDaysPastDue" name="LoansAndLeasesReceivableThirtyToEightyNineDaysPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_LoansAndLeasesWeightedAverageRemainingTerm" name="LoansAndLeasesWeightedAverageRemainingTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_LoansReceivingInterestRateWeightedAverageReduction" name="LoansReceivingInterestRateWeightedAverageReduction" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_LondonInterbankOfferedRatePlusBasisPoints" name="LondonInterbankOfferedRatePlusBasisPoints" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="mtb_MaximumCreditRiskForRecourseAssociatedWithLoansSoldUnderFederalNationalMortgageAssociationDelegatedUnderwritingAndServicingProgram" name="MaximumCreditRiskForRecourseAssociatedWithLoansSoldUnderFederalNationalMortgageAssociationDelegatedUnderwritingAndServicingProgram" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_MaximumExposureToLossOfInvestmentsInRealEstatePartnerships" name="MaximumExposureToLossOfInvestmentsInRealEstatePartnerships" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_MeasurementInputAdjustments" name="MeasurementInputAdjustments" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_MerchantDiscountAndCreditCardFees" name="MerchantDiscountAndCreditCardFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_MortgageLoansOfPrivatelyHeldCompany" name="MortgageLoansOfPrivatelyHeldCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_MortgageLoansOnRealEstatePrincipalAmountOfLoans" name="MortgageLoansOnRealEstatePrincipalAmountOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_NetChangeInAccruedInterestReceivablePayable" name="NetChangeInAccruedInterestReceivablePayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_NetIncomeLossAvailableToCommonStockholdersBasicBeforeUnvestedStockBasedCompensationAwardsAdjustment" name="NetIncomeLossAvailableToCommonStockholdersBasicBeforeUnvestedStockBasedCompensationAwardsAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_NetIncomeLossAvailableToCommonStockholdersDilutedBeforeUnvestedStockBasedCompensationAwardsAdjustment" name="NetIncomeLossAvailableToCommonStockholdersDilutedBeforeUnvestedStockBasedCompensationAwardsAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_NetIncreaseDecreaseInLoanServicingAdvances" name="NetIncreaseDecreaseInLoanServicingAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_NetIncreaseDecreaseInShortTermBorrowings" name="NetIncreaseDecreaseInShortTermBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_NoninterestIncomeExpenseOtherOperatingIncomeLoss" name="NoninterestIncomeExpenseOtherOperatingIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_NumberOfDebtSecuritiesWithGrossLosses" name="NumberOfDebtSecuritiesWithGrossLosses" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="mtb_OtherAssetsForItsInvestmentInCommonSecuritiesRecognizedByCompanyOfVariousTrusts" name="OtherAssetsForItsInvestmentInCommonSecuritiesRecognizedByCompanyOfVariousTrusts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeAmortizationOfDefinedBenefitPlanActuarialLossRecognizedInNetPeriodicBenefitCostNetOfTax" name="OtherComprehensiveIncomeAmortizationOfDefinedBenefitPlanActuarialLossRecognizedInNetPeriodicBenefitCostNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeAmortizationOfDefinedBenefitPlanActuarialLossRecognizedInNetPeriodicBenefitCostTaxEffect" name="OtherComprehensiveIncomeAmortizationOfDefinedBenefitPlanActuarialLossRecognizedInNetPeriodicBenefitCostTaxEffect" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeLossNetYieldAdjustmentFromCashFlowHedgesBeforeTax" name="OtherComprehensiveIncomeLossNetYieldAdjustmentFromCashFlowHedgesBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeLossNetYieldAdjustmentFromCashFlowHedgesNetOfTax" name="OtherComprehensiveIncomeLossNetYieldAdjustmentFromCashFlowHedgesNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeLossNetYieldAdjustmentFromCashFlowHedgesTax" name="OtherComprehensiveIncomeLossNetYieldAdjustmentFromCashFlowHedgesTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeLossReclassificationAdjustmentForRealizedGainsLossesIncludedInNetIncomeBeforeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentForRealizedGainsLossesIncludedInNetIncomeBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeLossReclassificationAdjustmentForRealizedGainsLossesIncludedInNetIncomeNetOfTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentForRealizedGainsLossesIncludedInNetIncomeNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeLossReclassificationAdjustmentForRealizedGainsLossesIncludedInNetIncomeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentForRealizedGainsLossesIncludedInNetIncomeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeReclassificationToIncomeOfUnrealizedHoldingLossesBeforeTax" name="OtherComprehensiveIncomeReclassificationToIncomeOfUnrealizedHoldingLossesBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnHeldToMaturitySecuritiesArisingDuringPeriodNetOfTax" name="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnHeldToMaturitySecuritiesArisingDuringPeriodNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnHeldToMaturitySecuritiesArisingDuringPeriodTax" name="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnHeldToMaturitySecuritiesArisingDuringPeriodTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_OtherCreditRelatedCommitments" name="OtherCreditRelatedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherSecuritiesGrossUnrealizedGains" name="OtherSecuritiesGrossUnrealizedGains" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_OtherSecuritiesGrossUnrealizedLosses" name="OtherSecuritiesGrossUnrealizedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_PaymentsToAcquireEquityAndOtherSecuritiesInvestments" name="PaymentsToAcquireEquityAndOtherSecuritiesInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_PercentageOfFairValueInputsCommitmentExpirations" name="PercentageOfFairValueInputsCommitmentExpirations" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_PercentageOfLoansInTheProcessOfForeclosureServicedByOtherEntitiesClassifiedAsGovernmentGuaranteed" name="PercentageOfLoansInTheProcessOfForeclosureServicedByOtherEntitiesClassifiedAsGovernmentGuaranteed" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="mtb_PreferredEquity" name="PreferredEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_PreferredStockDividendRateModificationsDateOfChange" name="PreferredStockDividendRateModificationsDateOfChange" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_PreferredStockRedemptionPeriodAfterStockDisqualifiesAsTierICapital" name="PreferredStockRedemptionPeriodAfterStockDisqualifiesAsTierICapital" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_ProceedsFromSaleOfEquityAndOtherSecuritiesInvestments" name="ProceedsFromSaleOfEquityAndOtherSecuritiesInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_PurchaseCreditDeteriorated" name="PurchaseCreditDeteriorated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_ReadilyMarketableSecuritiesAtEstimatedFairValue" name="ReadilyMarketableSecuritiesAtEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_ReadilyMarketableSecuritiesAtFairValueAmortizedCost" name="ReadilyMarketableSecuritiesAtFairValueAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedGains" name="ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedGains" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedLosses" name="ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_ResidentialMortgageLoansSecuredByResidentialRealEstateInProcessOfForeclosure" name="ResidentialMortgageLoansSecuredByResidentialRealEstateInProcessOfForeclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_RevenuesFromSubservicing" name="RevenuesFromSubservicing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_SavingsAndInterestCheckingDeposits" name="SavingsAndInterestCheckingDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_ShareBasedCompensationExpenseNet" name="ShareBasedCompensationExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_SubServicedResidentialMortgageLoansOfPrivatelyHeldCompany" name="SubServicedResidentialMortgageLoansOfPrivatelyHeldCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_TaxableEquivalentAdjustment" name="TaxableEquivalentAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_TradingAccount" name="TradingAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="mtb_UnfundedCommitmentsIncludesCarrryingAmountOfItsInvestments" name="UnfundedCommitmentsIncludesCarrryingAmountOfItsInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="mtb_UnvestedStockBasedCompensationAwards" name="UnvestedStockBasedCompensationAwards" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_USTreasuryRatePlusAdditionalRate" name="USTreasuryRatePlusAdditionalRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_WeightedAverageDiscountRatesForFairValueEstimations" name="WeightedAverageDiscountRatesForFairValueEstimations" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringLineItems" name="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LoansAndLeasesReceivableLineItems" name="LoansAndLeasesReceivableLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ScheduleOfAmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesLineItems" name="ScheduleOfAmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturityLineItems" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturityLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_AccumulatedOtherAdjustmentMember" name="AccumulatedOtherAdjustmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_AccumulatedOtherMember" name="AccumulatedOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_BayviewFinancialMember" name="BayviewFinancialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_BayviewLendingGroupAndBayviewFinancialMember" name="BayviewLendingGroupAndBayviewFinancialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_BayviewLendingGroupMember" name="BayviewLendingGroupMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_BusinessBankingMember" name="BusinessBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ClearinghouseCreditFacilitiesMember" name="ClearinghouseCreditFacilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CollectiveInvestmentTrustMember" name="CollectiveInvestmentTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CombinationOfConcessionTypesMember" name="CombinationOfConcessionTypesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CombinationOfModificationTypesMember" name="CombinationOfModificationTypesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialBankingMember" name="CommercialBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialFinancialLeasingMember" name="CommercialFinancialLeasingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialFinancingLeasingMember" name="CommercialFinancingLeasingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialLoansAndCommercialRealEstateMember" name="CommercialLoansAndCommercialRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialLoansAndLeasesMember" name="CommercialLoansAndLeasesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialLoansMember" name="CommercialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialRealEstateExcludingResidentialBuilderAndDeveloperAndOtherConstructionMember" name="CommercialRealEstateExcludingResidentialBuilderAndDeveloperAndOtherConstructionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialRealEstateLoansMember" name="CommercialRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommercialRealEstateSegmentMember" name="CommercialRealEstateSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommitmentsToSellRealEstateLoansMember" name="CommitmentsToSellRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CommonStockIssuableMember" name="CommonStockIssuableMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CoreDepositAndOtherIntangibleAssetsMember" name="CoreDepositAndOtherIntangibleAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CounterpartiesMember" name="CounterpartiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CreditRiskDerivativeMember" name="CreditRiskDerivativeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CriticizedAccrualMember" name="CriticizedAccrualMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_CriticizedNonaccrualMember" name="CriticizedNonaccrualMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_DiscountedCashFlowsMember" name="DiscountedCashFlowsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_DiscretionaryPortfolioMember" name="DiscretionaryPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FivePointFiveFivePercentageFixedRateSeniorNotesDueToMatureInAugust2028Member" name="FivePointFiveFivePercentageFixedRateSeniorNotesDueToMatureInAugust2028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FivePointSevenFivePercentageFixedRateSubordinatedNotesDueToMatureInOctober2024Member" name="FivePointSevenFivePercentageFixedRateSubordinatedNotesDueToMatureInOctober2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FivePointZeroFiveThreePercentageFixedRateSeniorNotesDueToMatureInJanuary2034Member" name="FivePointZeroFiveThreePercentageFixedRateSeniorNotesDueToMatureInJanuary2034Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FixedRateLongTermBorrowingsMember" name="FixedRateLongTermBorrowingsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FixedRateSeniorNotesMember" name="FixedRateSeniorNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ForeignExchangeAndOtherOptionAndFuturesContractsMember" name="ForeignExchangeAndOtherOptionAndFuturesContractsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ForwardStartingInterestRateSwapAgreementsMember" name="ForwardStartingInterestRateSwapAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FourPercentageFixedRateSubordinatedNotesDueToMatureInJuly2024Member" name="FourPercentageFixedRateSubordinatedNotesDueToMatureInJuly2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FourPointSevenZeroPercentageFixedRateSeniorNotesDueToMatureInJanuary2028Member" name="FourPointSevenZeroPercentageFixedRateSeniorNotesDueToMatureInJanuary2028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_FourPointSixFivePercentageFixedRateSeniorNotesDueToMatureInJanuary2026Member" name="FourPointSixFivePercentageFixedRateSeniorNotesDueToMatureInJanuary2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_HomeEquityLinesAndLoansMember" name="HomeEquityLinesAndLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_HospitalityMember" name="HospitalityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_InterestPaymentsOnVariableRateCommercialRealEstateLoansMember" name="InterestPaymentsOnVariableRateCommercialRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtPriorPeriodMember" name="LongTermDebtPriorPeriodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtTwoThousandEighteenMember" name="LongTermDebtTwoThousandEighteenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtTwoThousandNineteenMember" name="LongTermDebtTwoThousandNineteenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtTwoThousandTwentyMember" name="LongTermDebtTwoThousandTwentyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtTwoThousandTwentyOneMember" name="LongTermDebtTwoThousandTwentyOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtTwoThousandTwentyThreeMember" name="LongTermDebtTwoThousandTwentyThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LongTermDebtTwoThousandTwentyTwoMember" name="LongTermDebtTwoThousandTwentyTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MaturingAtVariousDatesThrough2039Member" name="MaturingAtVariousDatesThrough2039Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MaturingAtVariousDatesThroughJanuary2023Member" name="MaturingAtVariousDatesThroughJanuary2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MaturityPeriodOneMember" name="MaturityPeriodOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MaturityPeriodThreeMember" name="MaturityPeriodThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MaturityPeriodTwoMember" name="MaturityPeriodTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MortgageRelatedCommitmentsToOriginateRealEstateLoansForSaleMember" name="MortgageRelatedCommitmentsToOriginateRealEstateLoansForSaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MTInsuranceAgencyIncMember" name="MTInsuranceAgencyIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_MTMember" name="MTMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_NonCompeteMember" name="NonCompeteMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_NonPCDAcquiredLoansMember" name="NonPCDAcquiredLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OceanviewDispositionsLlcMember" name="OceanviewDispositionsLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherAssetsAndOtherLiabilitiesMember" name="OtherAssetsAndOtherLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherCommercialConstructionMember" name="OtherCommercialConstructionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherConsumerLoansMember" name="OtherConsumerLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherLoansMember" name="OtherLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherMember" name="OtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherModificationsMember" name="OtherModificationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_OtherRevenuesFromOperationsMember" name="OtherRevenuesFromOperationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_PcdAcquiredLoansMember" name="PcdAcquiredLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_PeoplesUnitedFinancialIncMember" name="PeoplesUnitedFinancialIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_RecreationalFinanceMember" name="RecreationalFinanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ResidentialBuilderAndDeveloperMember" name="ResidentialBuilderAndDeveloperMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ResidentialLimitedDocumentationMember" name="ResidentialLimitedDocumentationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ResidentialMortgageBankingMember" name="ResidentialMortgageBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ResidentialRealEstateExcludingAltAMember" name="ResidentialRealEstateExcludingAltAMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ResidentialRealEstateLoansMember" name="ResidentialRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_RetailBankingMember" name="RetailBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_RevolvingLoansConvertedToTermLoansMember" name="RevolvingLoansConvertedToTermLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesASeriesCAndSeriesEPreferredStockMember" name="SeriesASeriesCAndSeriesEPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesEFixedToFloatingRateNonCumulativePerpetualPreferredStockMember" name="SeriesEFixedToFloatingRateNonCumulativePerpetualPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesFAndSeriesGPreferredStockMember" name="SeriesFAndSeriesGPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesFFixedToFloatingRateNonCumulativePerpetualPreferredStockMember" name="SeriesFFixedToFloatingRateNonCumulativePerpetualPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesGFixedRateResetNonCumulativePerpetualPreferredStockMember" name="SeriesGFixedRateResetNonCumulativePerpetualPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesHFixedToFloatingRateNonCumulativePerpetualPreferredStockMember" name="SeriesHFixedToFloatingRateNonCumulativePerpetualPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesHPreferredStocksMember" name="SeriesHPreferredStocksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesIFixedRateResetNonCumulativePerpetualPreferredStockMember" name="SeriesIFixedRateResetNonCumulativePerpetualPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SeriesIPreferredStocksMember" name="SeriesIPreferredStocksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_SyndicatedLoanFacilityMember" name="SyndicatedLoanFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ThreePointSixFivePercentageUnsecuredSeniorNotesDueToMatureInDecember2022Member" name="ThreePointSixFivePercentageUnsecuredSeniorNotesDueToMatureInDecember2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_TrustRelationshipMember" name="TrustRelationshipMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_VariableRateSeniorNotesMember" name="VariableRateSeniorNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_LoansAndLeasesReceivableTable" name="LoansAndLeasesReceivableTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ScheduleOfAmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesTable" name="ScheduleOfAmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturityTable" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturityTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="mtb_AmortizedCostAndEstimatedFairValueOfDebtSecuritiesByContractualMaturityTableTextBlock" name="AmortizedCostAndEstimatedFairValueOfDebtSecuritiesByContractualMaturityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_AmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesTableTextBlock" name="AmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_ChangesInLevelThreeAssetsAndLiabilitiesMeasuredAtEstimatedFairValueOnRecurringBasisTableTextBlock" name="ChangesInLevelThreeAssetsAndLiabilitiesMeasuredAtEstimatedFairValueOnRecurringBasisTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_CommitmentsTableTextBlock" name="CommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_ComponentsOfOtherComprehensiveIncomeLossTableTextBlock" name="ComponentsOfOtherComprehensiveIncomeLossTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_InvestmentSecuritiesInContinuousUnrealizedLossPositionTableTextBlock" name="InvestmentSecuritiesInContinuousUnrealizedLossPositionTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_LoanAndLeasesConsideredNonaccrualAndInterestIncomeRecognizedOnLoansTableTextBlock" name="LoanAndLeasesConsideredNonaccrualAndInterestIncomeRecognizedOnLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_LoansAndLeasesReceivableNetOfDeferredIncomeByAccrualStatusTableTextBlock" name="LoansAndLeasesReceivableNetOfDeferredIncomeByAccrualStatusTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_ModificationsToBorrowersExperiencingFinancialDifficultyOnFinancingReceivablesTableTextBlock" name="ModificationsToBorrowersExperiencingFinancialDifficultyOnFinancingReceivablesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_QuantitativeInformationRelatedToSignificantUnobservableInputsTableTextBlock" name="QuantitativeInformationRelatedToSignificantUnobservableInputsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_RelationshipWithOtherEntitiesTextBlock" name="RelationshipWithOtherEntitiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_SummaryOfLoanGradesAppliedVariousClassesOfCommercialAndRealEstateLoansTableTextBlock" name="SummaryOfLoanGradesAppliedVariousClassesOfCommercialAndRealEstateLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_SummaryOfLoansInAccrualAndNonaccrualStatusTableTextBlock" name="SummaryOfLoansInAccrualAndNonaccrualStatusTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_SummaryOfMergerRelatedExpensesTableTextBlock" name="SummaryOfMergerRelatedExpensesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="mtb_VariableInterestEntitiesAndAssetSecuritizationsTextBlock" name="VariableInterestEntitiesAndAssetSecuritizationsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
</xsd:schema>
