Financial Performance - Earnings per diluted common share were $030, and operating earnings per diluted share (non-GAAP) were $031[15] - Record revenue totaled $336 million, a 75% linked-quarter increase, with net interest income up 84% linked-quarter[16] - Pre-provision net revenue (non-GAAP) reached $1451 million, a $273 million or 232% increase compared to Q1 2022, and a $173 million or 135% increase compared to Q2 2021[16] - The efficiency ratio improved to 552% from 607% in the first quarter of 2022[16] Loan and Deposit Growth - Total loans and leases (period-end), excluding PPP (non-GAAP), increased by $13 billion, or 195% annualized, linked-quarter[15] - Commercial loans and leases increased by $5039 million, or 116% annualized[15] - Consumer loans increased by $7950 million, or 344% annualized[15] - Total loans and leases, excluding PPP and Howard, increased by $26 billion, or 112%, since June 30, 2021[19] - Total deposits increased 105% year-over-year, with transaction deposits up 128%[21] Asset Quality - The annualized net charge-offs/(recoveries) to total average loans ratio was (001)%, compared to 003% linked-quarter[17] - Delinquency rate decreased to 058% from 066% in the previous quarter and 075% in the second quarter of the previous year[20] - Non-performing loans plus OREO as a percentage of total loans and leases plus OREO decreased to 035% from 040% in the previous quarter and 054% in the second quarter of the previous year[20] Balance Sheet and Revenue - Securities averaged $7070 million, a 146% year-over-year increase[21] - Total loans averaged $27245 million, a 73% year-over-year increase[21] - Net interest income increased 113% year-over-year, driven by growth in average earning assets and rising interest rates[22]

| --- | --- | |------------------------------------------|-------| | | | | | | | 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 ...

| --- | --- | |------------------------------------------|-------| | | | | Earnings Presentation F.N.B. Corporation | | | | | | First Quarter 2022 | | | April 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 busines ...

F.N.B. Corporation (NYSE:FNB) Q1 2022 Earnings Conference Call April 19, 2022 8:30 AM ET Company Participants Vince Delie - Chairman, President and Chief Executive Officer Lisa Constantine - Investor Relations Vince Calabrese - Chief Financial Officer Gary Guerrieri - Chief Credit Officer Conference Call Participants Frank Schiraldi - Piper Sandler Daniel Tamayo - Raymond James Michael Young - Truist Securities Timur Braziler - Wells Fargo Tyler Marks - Jefferies Michael Perito - Keefe, Bruyette & Woods Rus ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 F.N.B. CORPORATION 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, 2021 ☐ 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 Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Secti ...

| --- | --- | |-------------------------|-------| | | | | Earnings Presentation | | | Fourth Quarter 2021 | | | January 20, 2022 | | | | | Cautionary Statement Regarding Forward-Looking Information 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 ...

F.N.B. Corporation (NYSE:FNB) Q4 2021 Earnings Conference Call January 20, 2022 8:30 AM ET Company Participants Vince Delie - Chairman, President and Chief Executive Officer Lisa Constantine - Investor Relations Vince Calabrese - Chief Financial Officer Gary Guerrieri - Chief Credit Officer Conference Call Participants Michael Young - Truist Securities Frank Schiraldi - Piper Sandler Timur Braziler - Wells Fargo Michael Perito - KBW Daniel Tamayo - Raymond James Russell Gunther - D. A. Davidson Samuel Varga ...

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, 2021 ☐ 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 2021 Earnings Conference Call October 19, 2021 8:30 AM ET Company Participants Lisa Constantine - Investor Relations Vince Delie - Chairman, President and Chief Executive Officer Vince Calabrese - Chief Financial Officer Gary Guerrieri - Chief Credit Officer Conference Call Participants Frank Schiraldi - Piper Sandler Timur Braziler - Wells Fargo Michael Perito - KBW Russell Gunther - D. A. Davidson Samuel Varga - Stephens, Inc. Brian Martin - Janney Montgomery Operator Good ...