业务依赖什么

1. 1Customer deposits are M&T's main funding source for loans and other assets; deposit balances and the rates paid on them affect funding costs.
2. 2M&T's earnings depend in part on market interest rates and Federal Reserve policy, which affect loan yields, deposit costs and investment income.
3. 3Its banking business is concentrated in the Northeast and Mid-Atlantic, so local economic conditions affect many of its borrowers and customers.
4. 4M&T depends on dividends from its bank subsidiaries for much of the parent company's liquidity; those payments are subject to financial condition and regulatory limits.
5. 5M&T relies on outside companies for key parts of its business infrastructure, including technology and information systems.
6. 6Its banking, lending, trust and investment activities depend on continuing compliance with extensive federal and state requirements.