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  <xs:element id="mtb_EquitySecuritiesGrossUnrealizedGains" abstract="false" name="EquitySecuritiesGrossUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_GainLossOnHedgedItemInFairValueHedge" abstract="false" name="GainLossOnHedgedItemInFairValueHedge" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_IncreaseDecreaseInEstimatedFairValueOfInterestRateContractsInAssetPosition" abstract="false" name="IncreaseDecreaseInEstimatedFairValueOfInterestRateContractsInAssetPosition" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_InvestmentInDebtSecuritiesGrossUnrealizedLosses" abstract="false" name="InvestmentInDebtSecuritiesGrossUnrealizedLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_BayviewLendingGroupMember" abstract="true" name="BayviewLendingGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_DelinquencyStatusOfLoansAndLeasesReceivableModifiedPastDueThirtyToEightyNineDays" abstract="false" name="DelinquencyStatusOfLoansAndLeasesReceivableModifiedPastDueThirtyToEightyNineDays" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_AccumulatedOtherMember" abstract="true" name="AccumulatedOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_UnvestedStockBasedCompensationAwards" abstract="false" name="UnvestedStockBasedCompensationAwards" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mtb_EquityAttributableToParentBeforeTax" abstract="false" name="EquityAttributableToParentBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_MaximumCreditRiskForRecourseAssociatedWithLoansSoldUnderFederalNationalMortgageAssociationDelegatedUnderwritingAndServicingProgram" abstract="false" name="MaximumCreditRiskForRecourseAssociatedWithLoansSoldUnderFederalNationalMortgageAssociationDelegatedUnderwritingAndServicingProgram" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_InvestmentInDebtSecuritiesEstimatedFairValue" abstract="false" name="InvestmentInDebtSecuritiesEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_AverageAsset" abstract="false" name="AverageAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ResidentialBuilderAndDeveloperMember" abstract="true" name="ResidentialBuilderAndDeveloperMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_FrbOfNewYorkMember" abstract="true" name="FrbOfNewYorkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_PaymentsToAcquireEquityAndOtherSecuritiesInvestments" abstract="false" name="PaymentsToAcquireEquityAndOtherSecuritiesInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_SavingsAndInterestCheckingDeposits" abstract="false" name="SavingsAndInterestCheckingDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ScheduleOfBorrowingsLineItems" abstract="true" name="ScheduleOfBorrowingsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mtb_OtherRevenuesFromOperationsMember" abstract="true" name="OtherRevenuesFromOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_InvestmentsInVariableInterestEntityCarryingAmount" abstract="false" name="InvestmentsInVariableInterestEntityCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_IncreaseDecreaseInFairValueOfNonrecurringFairValueMeasuredLoansForChargeOffsAndImpairmentReserves" abstract="false" name="IncreaseDecreaseInFairValueOfNonrecurringFairValueMeasuredLoansForChargeOffsAndImpairmentReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_FourPointSixFivePercentageFixedRateSeniorNotesDueToMatureInJanuary2026Member" abstract="true" name="FourPointSixFivePercentageFixedRateSeniorNotesDueToMatureInJanuary2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" abstract="false" name="InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_TradingAccount" abstract="false" name="TradingAccount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_HomeEquityLinesAndLoansMember" abstract="true" name="HomeEquityLinesAndLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_ScheduleOfBorrowingsTable" abstract="true" name="ScheduleOfBorrowingsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="mtb_ComponentsOfOtherComprehensiveIncomeLossTableTextBlock" abstract="false" name="ComponentsOfOtherComprehensiveIncomeLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_SubServicedResidentialMortgageLoansOfPrivatelyHeldCompany" abstract="false" name="SubServicedResidentialMortgageLoansOfPrivatelyHeldCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommercialBankingMember" abstract="true" name="CommercialBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommitmentsToExtendCreditForResidentialRealEstateLoansToBeSold" abstract="false" name="CommitmentsToExtendCreditForResidentialRealEstateLoansToBeSold" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_MaturityPeriodThreeMember" abstract="true" name="MaturityPeriodThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_EquityAndOtherSecuritiesAtCost" abstract="false" name="EquityAndOtherSecuritiesAtCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommonStockIssuableMember" abstract="true" name="CommonStockIssuableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_NetIncreaseDecreaseInLoanServicingAdvances" abstract="false" name="NetIncreaseDecreaseInLoanServicingAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_AmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesTableTextBlock" abstract="false" name="AmortizedCostAndEstimatedFairValueOfInvestmentSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_PreferredStock.DividendRateSpread.Percent" abstract="false" name="PreferredStock.DividendRateSpread.Percent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mtb_RecreationalFinanceMember" abstract="true" name="RecreationalFinanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_IncomeAttributableToUnvestedStockBasedCompensationAwardsDiluted" abstract="false" name="IncomeAttributableToUnvestedStockBasedCompensationAwardsDiluted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_OtherCommercialConstructionMember" abstract="true" name="OtherCommercialConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CriticizedNonaccrualMember" abstract="true" name="CriticizedNonaccrualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_BayviewFinancialMember" abstract="true" name="BayviewFinancialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_NoninterestIncomeTrustIncome" abstract="false" name="NoninterestIncomeTrustIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_LoansAndLeasesReceivableTable" abstract="true" name="LoansAndLeasesReceivableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="mtb_AffordableHousingProjectsMember" abstract="true" name="AffordableHousingProjectsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_NetIncomeLossAvailableToCommonStockholdersDilutedBeforeUnvestedStockBasedCompensationAwardsAdjustment" abstract="false" name="NetIncomeLossAvailableToCommonStockholdersDilutedBeforeUnvestedStockBasedCompensationAwardsAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedGains" abstract="false" name="ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_HeldToMaturitySecuritiesDebtMaturitiesWithSingleMaturityDateNetCarryingAmount" abstract="false" name="HeldToMaturitySecuritiesDebtMaturitiesWithSingleMaturityDateNetCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_DelinquencyStatusOfLoansAndLeasesReceivableModifiedPastDueNinetyDaysOrMore" abstract="false" name="DelinquencyStatusOfLoansAndLeasesReceivableModifiedPastDueNinetyDaysOrMore" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommitmentsToExtendCreditForOtherResidentialRealEstate" abstract="false" name="CommitmentsToExtendCreditForOtherResidentialRealEstate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" abstract="false" name="InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ContingentCommitmentsToProvideAdditionalCapitalContributionsToPartnerships" abstract="false" name="ContingentCommitmentsToProvideAdditionalCapitalContributionsToPartnerships" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_TaxableEquivalentAdjustment" abstract="false" name="TaxableEquivalentAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_SeriesIPreferredStocksMember" abstract="true" name="SeriesIPreferredStocksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommitmentsToExtendCreditForCreditCards" abstract="false" name="CommitmentsToExtendCreditForCreditCards" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_InterestPaymentsOnVariableRateCommercialRealEstateLoansMember" abstract="true" name="InterestPaymentsOnVariableRateCommercialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_FourPointSevenZeroPercentageFixedRateSeniorNotesDueToMatureInJanuary2028Member" abstract="true" name="FourPointSevenZeroPercentageFixedRateSeniorNotesDueToMatureInJanuary2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses" abstract="false" name="InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_EquityAttributableToParentTax" abstract="false" name="EquityAttributableToParentTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_NetIncreaseDecreaseInShortTermBorrowings" abstract="false" name="NetIncreaseDecreaseInShortTermBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_FinancingReceivableRecordedInvestmentAccrualOrNonaccrualStatus" abstract="false" name="FinancingReceivableRecordedInvestmentAccrualOrNonaccrualStatus" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedLosses" abstract="false" name="ReadilyMarketableSecuritiesAtFairValueGrossUnrealizedLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ReadilyMarketableSecuritiesAtFairValueAmortizedCost" abstract="false" name="ReadilyMarketableSecuritiesAtFairValueAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_RevenuesFromSubservicing" abstract="false" name="RevenuesFromSubservicing" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommercialLoansAndCommercialRealEstateMember" abstract="true" name="CommercialLoansAndCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_InterestExpensesSavingsAndInterestCheckingDeposits" abstract="false" name="InterestExpensesSavingsAndInterestCheckingDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ModificationsToBorrowersExperiencingFinancialDifficultyOnFinancingReceivablesTableTextBlock" abstract="false" name="ModificationsToBorrowersExperiencingFinancialDifficultyOnFinancingReceivablesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_OtherProjectsMember" abstract="true" name="OtherProjectsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_NoninterestIncomeMortgageBanking" abstract="false" name="NoninterestIncomeMortgageBanking" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_IncreaseDecreaseInEstimatedFairValueOfInterestRateContractsInLiabilityPosition" abstract="false" name="IncreaseDecreaseInEstimatedFairValueOfInterestRateContractsInLiabilityPosition" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommitmentsToExtendCreditForCommercialRealEstateLoansToBeSold" abstract="false" name="CommitmentsToExtendCreditForCommercialRealEstateLoansToBeSold" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_MaturityPeriodFourMember" abstract="true" name="MaturityPeriodFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommonStockIssuableShare" abstract="false" name="CommonStockIssuableShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mtb_ForwardStartingInterestRateSwapAgreementsMember" abstract="true" name="ForwardStartingInterestRateSwapAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_MaturityPeriodTwoMember" abstract="true" name="MaturityPeriodTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_SummaryOfLoanGradesAppliedVariousClassesOfCommercialAndRealEstateLoansTableTextBlock" abstract="false" name="SummaryOfLoanGradesAppliedVariousClassesOfCommercialAndRealEstateLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_MAndTMember" abstract="true" name="MAndTMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommercialRealEstateExcludingResidentialBuilderAndDeveloperAndOtherConstructionMember" abstract="true" name="CommercialRealEstateExcludingResidentialBuilderAndDeveloperAndOtherConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_LoansAndLeasesReceivableLineItems" abstract="true" name="LoansAndLeasesReceivableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mtb_CombinationOfModificationTypesMember" abstract="true" name="CombinationOfModificationTypesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommitmentsRegardingFinancialGuaranteesAndIndemnificationContracts" abstract="false" name="CommitmentsRegardingFinancialGuaranteesAndIndemnificationContracts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_MaximumExposureToLossOfInvestmentsInRealEstatePartnerships" abstract="false" name="MaximumExposureToLossOfInvestmentsInRealEstatePartnerships" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ProceedsFromSaleOfEquityAndOtherSecuritiesInvestments" abstract="false" name="ProceedsFromSaleOfEquityAndOtherSecuritiesInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_FivePointZeroFiveThreePercentageFixedRateSeniorNotesDueToMatureInJanuary2034Member" abstract="true" name="FivePointZeroFiveThreePercentageFixedRateSeniorNotesDueToMatureInJanuary2034Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_InvestmentInDebtSecuritiesGrossUnrealizedGains" abstract="false" name="InvestmentInDebtSecuritiesGrossUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringLineItems" abstract="true" name="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mtb_ShareBasedCompensationExpenseNet" abstract="false" name="ShareBasedCompensationExpenseNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommitmentsRegardingCommercialLettersOfCredit" abstract="false" name="CommitmentsRegardingCommercialLettersOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_WeightedAverageDiscountRatesForFairValueEstimations" abstract="false" name="WeightedAverageDiscountRatesForFairValueEstimations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mtb_CommitmentsToExtendCreditForOtherCommercialRealEstate" abstract="false" name="CommitmentsToExtendCreditForOtherCommercialRealEstate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CriticizedAccrualMember" abstract="true" name="CriticizedAccrualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_FhlbOfNewYorkMember" abstract="true" name="FhlbOfNewYorkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_BrokerageServicesIncomeMember" abstract="true" name="BrokerageServicesIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_TimeDepositsFairValueDisclosure" abstract="false" name="TimeDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ForeignExchangeAndOtherOptionAndFuturesContractsMember" abstract="true" name="ForeignExchangeAndOtherOptionAndFuturesContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_LoansAndLeasesReceivableNetOfDeferredIncomeByAccrualStatusTableTextBlock" abstract="false" name="LoansAndLeasesReceivableNetOfDeferredIncomeByAccrualStatusTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_CommonStockIssuable" abstract="false" name="CommonStockIssuable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommitmentsToExtendCreditForCommercialAndOther" abstract="false" name="CommitmentsToExtendCreditForCommercialAndOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_MTBankMember" abstract="true" name="MTBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_RelationshipWithOtherEntitiesTextBlock" abstract="false" name="RelationshipWithOtherEntitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_ResidentialLimitedDocumentationMember" abstract="true" name="ResidentialLimitedDocumentationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommonSharesOutstandingIncludingCommonStockIssuableAndUnvestedStockBasedCompensationAwards" abstract="false" name="CommonSharesOutstandingIncludingCommonStockIssuableAndUnvestedStockBasedCompensationAwards" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mtb_CollectiveInvestmentTrustMember" abstract="true" name="CollectiveInvestmentTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_RetailBankingMember" abstract="true" name="RetailBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_LoanAndLeasesConsideredNonaccrualAndInterestIncomeRecognizedOnLoansTableTextBlock" abstract="false" name="LoanAndLeasesConsideredNonaccrualAndInterestIncomeRecognizedOnLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="mtb_SeriesJPreferredStockMember" abstract="true" name="SeriesJPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_OtherAssetsForItsInvestmentInCommonSecuritiesRecognizedByCompanyOfVariousTrusts" abstract="false" name="OtherAssetsForItsInvestmentInCommonSecuritiesRecognizedByCompanyOfVariousTrusts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_CommercialFinancialLeasingMember" abstract="true" name="CommercialFinancialLeasingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_ClearinghouseCreditFacilitiesMember" abstract="true" name="ClearinghouseCreditFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_HistoricalRecoveryRateOfCollateralValuesOfConsumerInstallmentLoans" abstract="false" name="HistoricalRecoveryRateOfCollateralValuesOfConsumerInstallmentLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mtb_ResidentialMortgageLoansSecuredByResidentialRealEstateInProcessOfForeclosure" abstract="false" name="ResidentialMortgageLoansSecuredByResidentialRealEstateInProcessOfForeclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ChangeInCashFlowHedgesDerivativeInstrumentsAtFairValueNet" abstract="false" name="ChangeInCashFlowHedgesDerivativeInstrumentsAtFairValueNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_SyndicatedLoanFacilityMember" abstract="true" name="SyndicatedLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_IncomeAttributableToUnvestedStockBasedCompensationAwardsBasic" abstract="false" name="IncomeAttributableToUnvestedStockBasedCompensationAwardsBasic" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_ReadilyMarketableSecuritiesAtEstimatedFairValue" abstract="false" name="ReadilyMarketableSecuritiesAtEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_OtherModificationsMember" abstract="true" name="OtherModificationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_NumberOfDebtSecuritiesWithGrossLosses" abstract="false" name="NumberOfDebtSecuritiesWithGrossLosses" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mtb_RenewableEnergyMember" abstract="true" name="RenewableEnergyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_LoansAndLeasesWeightedAverageRemainingTerm" abstract="false" name="LoansAndLeasesWeightedAverageRemainingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="mtb_FeesAndCommissionsDepositorAccounts1" abstract="false" name="FeesAndCommissionsDepositorAccounts1" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" abstract="false" name="InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mtb_SeriesFSeriesGSeriesIAndSeriesJPreferredStockMember" abstract="true" name="SeriesFSeriesGSeriesIAndSeriesJPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_SevenPointFourOnePercentageFixedRateSeniorNotesDueToMatureInOctober2029Member" abstract="true" name="SevenPointFourOnePercentageFixedRateSeniorNotesDueToMatureInOctober2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mtb_CommitmentsToSellRealEstateLoansMember" abstract="true" name="CommitmentsToSellRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
