F.N.B. Corporation Earnings Presentation Third Quarter 2025 October 17, 2025 Cautionary Statement Regarding Forward-Looking Information This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those that do not relate to historical facts and that are based on current assumptions, beliefs, estimates, expectations and projections, many of which, by their nature, are inherently uncertain and beyond our control ...

Financial Performance - Net income available to common shareholders increased by 121% linked-quarter to $1307 million or $036 per diluted common share[10] - Revenue grew by 65% linked-quarter driven by record net interest income and non-interest income[10] - Pre-provision net revenue totaled $1920 million a 165% increase from the prior quarter[10] Balance Sheet and Asset Quality - Average total loans and leases increased by $4517 million or 53% annualized linked-quarter[10] - Average total deposits increased by $1556 million or 17% annualized linked-quarter with non-interest-bearing deposits stable at 26% of total deposits[10] - The ratio of non-performing loans and OREO to total loans and OREO decreased 14 basis points to 034% from the prior quarter[10] - Allowance for Credit Losses totaled $4321 million or 125% of loans stable with the prior quarter[10] Capital and Shareholder Returns - Record tangible book value of $1114 per share with year-over-year growth of $126 or 128%[10] - Record capital metrics CET1 ratio of 108% and tangible common equity to tangible assets of 85%[10] - The company repurchased 07 million shares of common stock at a weighted average share price of $1385 during the second quarter of 2025[10] Guidance - The company expects mid-single-digit growth for both spot loans and spot deposits[65]