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

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 considered "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve various assumptions, risks and uncertain ...

Our consistent performance does not happen without the right culture and the commitment of exceptional people. We focus on fostering a positive productive workplace where engaged employees provide superior service for our clients and attractive returns for our shareholders. Our success in this regard has led to extensive third-party recognition. Since 2011, FNB has received more than 80 prestigious Greenwich Excellence and Best Brand Awards, with 17 in 2022 alone. Gary Guerrieri Net charge-offs from Q4 tota ...

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 ...

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 ...

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