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  <element id="mtb_RangeAxis" name="RangeAxis" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_RangeDomain" name="RangeDomain" type="us-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_MinimumMember" name="MinimumMember" type="us-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_MaximumMember" name="MaximumMember" type="us-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_LoansAcquiredInTransferImpairedAsPercentageOfAssets" name="LoansAcquiredInTransferImpairedAsPercentageOfAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredImpairedInterestIncomeRecognized" name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredImpairedInterestIncomeRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mtb_PreferredStockRedemptionPeriodAfterStockDisqualifiesAsTierICapital" name="PreferredStockRedemptionPeriodAfterStockDisqualifiesAsTierICapital" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_PaymentsForRepurchaseOfRedeemablePreferredStockSeriesA" name="PaymentsForRepurchaseOfRedeemablePreferredStockSeriesA" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mtb_RetirementOfAssetRetirementObligationsThroughNonCashPayments" name="RetirementOfAssetRetirementObligationsThroughNonCashPayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mtb_ValueAddedInShareholdersEquityDueToAcquisition" name="ValueAddedInShareholdersEquityDueToAcquisition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mtb_AcceleratedAmortizationOfPreferredStockDiscountAsPerRedemption" name="AcceleratedAmortizationOfPreferredStockDiscountAsPerRedemption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mtb_PendingAcquisitionPreferredStockToBeAssumed" name="PendingAcquisitionPreferredStockToBeAssumed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mtb_PurchaseOfTrustPreferredStock" name="PurchaseOfTrustPreferredStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mtb_ContractuallyRequiredPrincipalAndInterestAtAcquisition" name="ContractuallyRequiredPrincipalAndInterestAtAcquisition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mtb_FairValueOfLoansAcquired" name="FairValueOfLoansAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mtb_InterestComponentOfExpectedCashFlows" name="InterestComponentOfExpectedCashFlows" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mtb_ContractuallyRequiredPrincipalAndInterestAtAcquisitionOfImpairedLoans" name="ContractuallyRequiredPrincipalAndInterestAtAcquisitionOfImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mtb_ContractualCashFlowsNotExpectedToBeCollectedOfImpairedLoans" name="ContractualCashFlowsNotExpectedToBeCollectedOfImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mtb_FairValueOfLoansAcquiredOfImpairedLoans" name="FairValueOfLoansAcquiredOfImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mtb_LoanDelinquentPeriod" name="LoanDelinquentPeriod" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_CreditRiskDerivativeMember" name="CreditRiskDerivativeMember" type="us-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedWithOttiInNetIncomeBeforeTax" name="OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedWithOttiInNetIncomeBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mtb_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedWithOttiInNetIncomeTax" name="OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedWithOttiInNetIncomeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mtb_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedWithOttiInNetIncomeNetOfTax" name="OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedWithOttiInNetIncomeNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mtb_PreferredStockLiquidationPreferences" name="PreferredStockLiquidationPreferences" type="us-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
</schema>
</XBRL>
