Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) | Pennsylvania | | 25-1255406 | | --- | --- | --- ...

Financial Data and Key Metrics Changes - The company reported operating earnings per share of $1.40 for the full year 2022, marking one of the highest levels in its history [5][95] - Total revenue grew by 10% linked quarter to $416 million, with net interest income as the primary driver [92] - The net interest margin expanded from 3.19% to 3.53% quarter-over-quarter [92][119] - Total assets reached nearly $44 billion, with a 5% increase linked quarter [93] Business Line Data and Key Metrics Changes - Total loans grew by $5.3 billion year-over-year, representing a 21% increase, driven by both organic growth and acquisitions [95][102] - Non-interest income totaled $80.6 million for the fourth quarter, a decrease of 2.2% compared to the prior quarter, primarily due to lower mortgage banking operations income [120] - The Physicians First Program accounted for 25% of retail mortgage production in 2022, with the portfolio growing to $1.2 billion by year-end [97][83] Market Data and Key Metrics Changes - The company maintained a favorable deposit mix, with 34% of total deposits being non-interest bearing [94][113] - Total cumulative deposit betas ended the year at 16.3%, below the forecasted 20% [103] - Average deposits totaled $33.9 billion for the fourth quarter, reflecting a 1% increase [146] Company Strategy and Development Direction - The company plans to continue focusing on generating positive operating leverage and efficiently deploying capital to optimize risk-adjusted returns for shareholders [11][105] - The company aims to maintain a disciplined credit culture while navigating changing economic cycles [114] - The company is committed to expanding its digital delivery channels and enhancing customer relationships through analytics [134][115] Management's Comments on Operating Environment and Future Outlook - Management noted that pipelines have softened globally, with a year-over-year decrease of about 15%, reflecting economic uncertainty [14] - The company expects loan growth in the mid-single digits on a year-over-year basis for 2023 [105] - Management expressed confidence in the company's ability to execute its strategic plan despite economic challenges [142] Other Important Information - The company closed two acquisitions in 2022, enhancing its market position in key areas [95][97] - The efficiency ratio for the full year was reported at 52%, with a goal to keep it below 50% in 2023 [9][41] - The company returned $220 million to shareholders through dividends and share repurchase programs [96] Q&A Session Summary Question: What are the strongest growth areas geographically? - Management highlighted that the Carolinas have produced significant net loan growth, contributing roughly 40% over the last three years [17][66] Question: What is the company's strategy regarding capital management and potential buybacks? - The company remains committed to optimizing shareholder value and will evaluate share buybacks as it builds past the 10% CET1 ratio [130][131] Question: How is the company managing deposit costs in the current environment? - The company is actively managing interest-bearing deposit costs and utilizing analytics to drive deposit growth [34][134] Question: What are the expectations for mortgage activity in the coming year? - Management expects to outperform the market in mortgage production, despite a general industry decline [74][83]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1255406 (State or other jurisdi ...

F.N.B. Corporation (NYSE:FNB) Q3 2022 Earnings Conference Call October 19, 2022 8:30 AM ET Company Participants Lisa Constantine - Manager of Investor Relations Vince Delie - Chairman, President and Chief Executive Officer Gary Guerrieri - Chief Credit Officer Vince Calabrese - Chief Financial Officer Conference Call Participants Jared Shaw - Wells Fargo Securities Daniel Tamayo - Raymond James Casey Haire - Jefferies Michael Perito - KBW Brandon King - Truist Securities Brian Martin - Janney Montgomery Ope ...

| --- | --- | |-------------------------|-------| | | | | F.N.B. Corporation | | | | | | Earnings Presentation | | | Third Quarter 2022 | | | October 19, 2022 | | | | | Cautionary Statement Regarding Forward-Looking Information 2 This document may contain statements regarding F.N.B. Corporation's outlook for earnings, revenues, expenses, tax rates, capital and liquidity levels and ratios, asset quality levels, financial position and other matters regarding or affecting our current or future business and ope ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Commission file number 001-31940 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended June 30, 2022 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to F.N.B. CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1255406 (State or other jurisdiction ...

F.N.B. Corporation (NYSE:FNB) Q2 2022 Earnings Conference Call July 21, 2022 8:30 AM ET Company Participants Lisa Constantine - Investor Relations Vince Delie - Chairman, President & Chief Executive Officer Gary Guerrieri - Chief Credit Officer Vince Calabrese - Chief Financial Officer Conference Call Participants Timur Braziler - Wells Fargo Securities Daniel Tamayo - Raymond James Michael Perito - KBW Russell Gunther - D.A. Davidson Brian Martin - Janney Operator Good morning and welcome to the F.N.B. Cor ...

| --- | --- | |-------------------------|-------| | | | | Earnings Presentation | | | Second Quarter 2022 | | | July 21, 2022 | | | | | Cautionary Statement Regarding Forward-Looking Information 2 This document may contain statements regarding F.N.B. Corporation's outlook for earnings, revenues, expenses, tax rates, capital and liquidity levels and ratios, asset quality levels, financial position and other matters regarding or affecting our current or future business and operations. These statements can be ...

| --- | --- | |------------------------------------------|-------| | | | | | | | Investor Presentation First Quarter 2022 | | | May 2022 | | | | | Use of Cautionary Statement Regarding Forward-Looking Information 2 This document may contain statements regarding F.N.B. Corporation's outlook for earnings, revenues, expenses, tax rates, capital and liquidity levels and ratios, asset quality levels, financial position and other matters regarding or affecting our current or future business and operations. These ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended March 31, 2022 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1255406 (State or other jurisdictio ...