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<!-- Creation Date      : 2018-08-02T16:43:49.8029198+00:00 -->
<!-- Version            : 2.12.6766.32775 -->
<!-- Package ID         : d453d915dde640bf8dc073f990414fbc -->
<!-- Copyright (c) 2018 Donnelley Financial, LLC. All Rights Reserved. -->
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  <element id="mtb_SyndicatedLoanFacilityMember" name="SyndicatedLoanFacilityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <element id="mtb_RevenuesFromSubservicing" name="RevenuesFromSubservicing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <element id="mtb_MortgageLoansOfPrivatelyHeldCompany" name="MortgageLoansOfPrivatelyHeldCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <element id="mtb_SubServicedResidentialMortgageLoansOfPrivatelyHeldCompany" name="SubServicedResidentialMortgageLoansOfPrivatelyHeldCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <element id="mtb_NewAccountingPronouncementOrChangeInAccountingPrincipleEffectOfAdoptionOnExpenseRecognized" name="NewAccountingPronouncementOrChangeInAccountingPrincipleEffectOfAdoptionOnExpenseRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <element id="mtb_OtherRevenuesFromOperationsAbstract" name="OtherRevenuesFromOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <element id="mtb_TaxCutsAndJobsActOf2017ReclassificationToRetainedEarningsFromAOCI" name="TaxCutsAndJobsActOf2017ReclassificationToRetainedEarningsFromAOCI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
</schema>
