I firmly believe that the most valuable capital or asset of MTB is the trust placed in us by our clients and the communities we serve. This trust or credibility has been established over the years by being committed and responsible towards our valued customers and their needs. The bank has gained the trust by fulfilling various financial needs of customers seamlessly, conveniently, and securely over the years. Thus, the trust achieved from our customers for so long is the most important success factor. The bank provides customers with easy access to information, products, and services, as well as the means to get their grievances redressed.

The future of banking will be very different from today's banking. Faced with customers' changing expectations, emerging technologies, and upcoming business models, we will need to start putting strategies in place now to help ourselves adapt for the future. For continuing the success of the bank, we will need to embrace evolving technology, be flexible to adopt contemporary business models, and put customers and their interests at the focal point of every strategy and planning.