Slide 1: Fulton Financial Corporation Investor Presentation
pejou asimieyjo ssejun ‘ZO ‘LE Jequie0eq papus poyied 9Y} 40410 Jo se ejeq UO!}LE}LUSS9Jq JOJSSAU| NOLLVYOdIOD TVIDNVNIY NOLIN
Slide 2: Forward-looking statements
‘uoljejuaseaid Siu} Jo pus ayy je SeinsealW qYWOe1qGeedWO0d JSOW 9} 0} pa}lNU0De1 Wf d¥W9-UOU esau! ‘dyWV5 UeU} JeyiO spoyjel Aq paAuep useq eAey Jey} UO!}eJUaSeJd SIU} Ul SoInseaW }eloUeUI) Ulead sasn UO!e1OdIOD aUL ‘uoljejuasaid siy} Ul pasn Sue} pezijeyideo pue SWAUOIDe JO SUOIIUEP 9Y} 40} 9Z BP!
Slide 3: Quarterly Financial Performance
JONVWYOSY3d TVIONWNIA ATYALYWVNO
Slide 4: Quarterly results summary
“uonejuasald s/4} JO PUa 84178 ,, UONEI9U0IEY dYVO-UON,, Pan apis ey} UO a/NnseeW siy} SuIsN JoJ Used S,jUBWAaseUe WI PUB UONB)ND)}Ed BY} 0} J8JaJ BSea}q “SA/NSBAWI JBIOUUI dYWO-UON (L) a1eys peynyig Jed gg‘0¢$ JO UO! 7’ 66$ JO SJOpjoyaseys OWILUOD 0} 8]qe]!EAY SWODU] JON SuNe10dO soleW Aniqeio1g Su
Slide 5: Income statement summary
“uone}uasald siy) JO pUa A421 ,, UONEIIIU0D9Y dYVO-UON,, Pa}i/} apl]s ay2 UO a/Nsea Siy} SulsN JOj UOSeal SjUBWASeUeW PUB UON}E)ND]e9 ay} O} JaJal aSea}q “SA/NSeaW JBlNUeUI JyWO-UON (Z) *(.8dq,,) Stulod siseg (L) %G'9S %0°09 (jones Aoualoisy %ELSL HIS’ vb (gaOLVO" Bune19dO %IECTL %E9' LL 3vou YET L
Slide 6: Net interest income and margin
“saouemoyjesip asuadxe }saJ9}U! A10]MIe1S PUP d}e/ XB] }B/DP2J %1Z @ Buls/N siseq FJ-4-UOU e UO JIN (L) _ suisodag jo 3s0) 42410 °g SBUIMoLI0g susods¢ i (siseq 314) WIN = S7OE Stoz SZOT vzov SvOv S7OE S7Ot 140) 8 veov g z = i J ° an a zs ~ a Spuny 40 3S09 pue WIN pue (IN ) 49410 99 SSUIMO110g puke s
Slide 7: Non-interest income
alsisuog, DU] 824 Ngoy qe el UNE (Zzv$) y76'so$ tee‘ Los BVL‘69$ Lov‘oL$ 086‘69$ = S (2) S S 2 (Zev$) vz6'so$ ye7c‘Log SV L‘69$ Lov‘oL$ 086‘69$ (808°Z) 6809 VIEL Li6'y BLL oLe‘z = (689°) S S = = (gz) 6sZ'e sel‘ Le6‘e LLZ‘e geo 89% 60€‘rL 890'EL 87S‘vL vLLSL zpy‘St ove'L Z00'%2 S8Z'LZ 18z'ZZ 6E9'7Z 6
Slide 8: Non-interest expense
“uonejuasald s/43JO Pua BY} Ie ,, UONEIJOUDIAY dYVYO-UON,, PANN BPNs BY? UO aiNSeAW S/Y) SUISN JOJ UOSBAJ S,]UEWASe Ue LW PUP UONE]ND)}E9 ay} 0} JOJ8/ OSes} “a/NSeAW }BIOUeUI dYVYO-UON (L) 90L‘ZL$ G69'061$ —s- BSB‘ZBLS LZO‘Z8l$ ss ELVLEL$ ~=—s SLL ‘vOz$ (y®Suedxe }SeJ9}U/-UOU ZuTe18dQ £202 (zoo‘e) (
Slide 9: Asset quality
“sainsodxe palo JaeYs 80Ue}eq-1J0 0} paje)}al Sa/asal apNjoUul JOU SeOp PUP ,,eWODU! pauseaUN Jo JaU ‘sUeOT,, 0} Aj}BEoyJoeds saye}a/ TOY EYL (L) V/V: SdN/Dv ;7OE raeyd SzOL veo szOp S7OE Sz0z SZOT peor a zis . €I$ ers %ES'T %8S'T vt$ (pazijenuue) sueo7 adesany/SOIN SOON = %8T'0 . bel AO %I70 a el %
Slide 10: Regulatory capital
“WNUWIUIW pazijeydes-}}aM ay} SI YOIYM a#es9AaT | JAIL 104 }daoxa ‘“ayyNng UOHeAJaSUOD Jeydeo sdq OSz ay} Sulpnjoul ‘SwWNWIUIW A10}e)]NZas 0} a1e UMOYS Sassaoxy (py) "SE0z ENP sejou pajeulpsogns Sulpue}s}no 10 O€OT ENP SejoU pajeulpsoqgns sul pue}s}No ‘yO0}s peiueyesds, UoNesOdIOD 842 eseyoindes 0}
Slide 11: Share repurchase and outlook
“uonezO We [GD pue sasuadxa Sunesado-uou sapnjoxq (¢) “‘9z0z Yose[ ul Sdq Gz JO 1ND ajeJ JaBe] SpuNy jesapay Sajesodsoouy ‘siIseq FJ j-uOU e UO SI |IN (Z) “9ZD0E Ul Pajzay}diod s} UOJSJaAUOD SWAa}SAS PUB 9ZOT UI $8SO]9 UOKSINDIe diooueg Aipunoy anjg sawnssy (L) %G'6L- %G'SL roqey Xe] OAOOHF oe asusd
Slide 12: Corporate Highlights
SLHONMHOSIH 3ALVeOddOO
Slide 13: Our purpose and strategy
SJ9PJOYOYE}S JNO 0} S]INSes SUAANap ‘Soa JeUONeJAdO paoueyuUSa pue adUaLIaAXa J9WO}SND yeuondaoxea ‘SiaUs/o}SNdD Ul YIMOIZ W4A}-8UO}] YIM sn papiaoid sey S9noa/qC 21821E11§ INO JO UOIINDEXF AdeuiNju] 49W0}SND :40}eNUa1AsIG INO agesn pue aduatadxq uojn4 ayy aA] + iqeene ‘Ay4Baqul eyep aunsuy_ + pania
Slide 14: Shareholder value
'G80z anp sajou paieulpsogns Suipueisino 40 OE0Z eNp sazou paieUlpiogns Supues no “y03s peiejasd s,uo!32100/0.D @y3 aseyoundes 02 pasn aq AeW UOLEZLJOYINe LOMILL OSLS B42 Jo LONI Sz Jo se aleys Jad 09'0z$ Jo eolid 901s BuIso}o pue e1eys Jed 610g Jo PUEpIAIp UOLIWHOD A}. ua.ina uo paseg /eUY d¥VO-UOU
Slide 15: Company profile
“sysodep pesex04q sepnjoxg (b) apis 842 Uo einseew S143 Su/sn Jo} UoseeJ S,JUaWeSeUeW PUB UO}IE}ND}80 24} 0} JaJaJ aSLE}d “BINSBALL JB/OUBUY dYWO-UON (¢) “fueduiog 9 08184 sij2/y pue ‘dnou3}119 ‘eoiewly Jo yueg ‘eseyD UeSIOW ‘df ‘syueg Ayeloedg sepnjoxq (2) “ezoz ‘0€ Jequiexdes Jo se eyep diooueg Ay
Slide 16: Strategic priorities
BdIAIEs pue ADUDIDIJJO ‘UIMOIB JO JOALIP B Se JUBA] qeua je}ISIP UOSND04 sieak daly ised ay} 4JaA0 puads AZ0}OUYIA}JUBDIJIUBIS « }©>]JBUW JNO BAJaS pue UI 8}edW09 0} peuO!zsoOd }}OM NOILISOd SWdOddLV 1d SADIAYdAS GNV SLONdGOdd JAAILILAdWOS ASO TONHOAL JSnib s}o1eW SO99IMIOS pue juoweseue~; ssouisng
Slide 17: Community and employees
*puemioy | BulAed Aq 49eq SaAIs UO!eIOdIOD auy “@AeNIUL ,pueMioy UOYNY,, ayy YBNOYL “9AUY} SOIUNWLUOD BS9Y} 89S 0} JUBM PUk aAIBS 98M SAIUNLULWOS 84} Ul 440M pue aAn Saeho}dluy Ayunwwoyg ‘aunjonuys jJusweseuew SU esdiseyus jeAa)-JUsWeseUeW pue -pieog ysnqgoi e Jeapun seyesedo uonesiodion aul “goueWO
Slide 18: 2026 outlook
“uonejuasald s/4} Jo Pua ay? Ie ,, UONEIIUODIAY dYVO-UON,, Payy Sapljs UO aINSeaW S/Y} BuISN JOj SUOSeas S,JUaWAZeUeW PUB UONe)NIjEd ay} 0} Jajas aSea}q ‘aiNseaw jeINUueUY dYVWO-UON (Z) ‘Szoz ‘L judy pajyep juawajejs Axosd s, uonesodion ay) Jo 9g a8ed aas aseajd sivad jo 3S!) e 404 (1) 'GZ0Z ‘LE Jaq
Slide 19: Loan portfolio
“sue@0} paldnd90 JeUMO-UOU puke JaUMO Y}0g Sapnjou! A1088}e9 aFeSu oO JEDsAWLUOD ay) “SUBO) UONDNASUOD JeIDJBLWLWOD Pue jeuUapIsa/ SapNjou! Al0Za}e9 UONINASUOD BY) “BWeYOWN SZOZ - 0Z0Z 841 SUN SSeUBAIZIOJ PUB YIMOIS ULO) WeIFOld UONIALOd YOBYDAB SEpN)joul A10FEIB9 PO EYL 'SZOT ‘LE Jeqwiedeq 0} G10Z
Slide 20: Deposit portfolio
%0S oursng 9g uauinsuoD isodaq auNsuUN 0D %LLE susodep 9 1OUMHT @ oSeIOAY 9g8‘0e$ 2 OSCIOAY LVL‘9L8 “sysodap Auedwod-saju) pue sysodap JediojuNWw paz}jese}e)] 09 Jo JaU SYSOdep pasnsujUN pajyewnsy “Szoz ‘LE 4eqwaseg J 0 Sy (Z) ‘SzOz ‘LE 4eqwia2aq 0} 610Z ‘LE Jeqwa9eq papus SpoLad ay} JOJ seouejeg Zu
Slide 21: Deposit and loan beta
“sin07 3 Jo Yueg eAlesay Je18pe4 ~ Y4-4J eBeleny AyeyeNd ‘D/ ]eydeO q'PS - eB1ep jeouoIs!y VOI N, (1) ej9g Wsodeq e}og ueO] a7eq 0] a]9A9, szdv - rzdz —— = %9B'L %96'L %86'L %EO'S YL Te WVET WL ys09 usodeq 9 SuIPUNJ I $9189}21S ] HE8S HESS HIBS %IBS LES %029 %EL9 P91, UOT sea Jo sdq I \djop pey . 1
Slide 22: Borrowings and deposits
“sao paleyolg apnjoul sysodeg awl, (¢) "s}S00 pue saa, UONeU/SUO JOU pue SyJeW ZuRUNODIe aseyoind anjer.ses ‘senuejeg ueo} jens99e-UOU SapN}ou! JaYIO (Z) ‘pajuasasd sawed aWQ AY} UIYYM PAWNSsSe Saiji}IGel] PUE SJaSse a}e/ pax JO SaUNjew pue smoyYsed payewinsa snjd ‘sueo) ajes-a)qeysnipe jo Fuloudas
Slide 23: Wealth management income
‘ewooul juawaseuey YyI]ee/y Szo ‘Le 4equieseg ysnoiy) WL () "§ZOZ ‘LE 4equis0eq 016 L0Z ‘LE Joquis0aq papus spouied a41.404 saNjeA JoyeW Suipus aie yNy pue wv (2) “JIN @PN}IU! JOU Saop aNuanal juBWaseuey YyIeE/V (1) Burjueg ajeaug / YOM ON YBIH JeuolnyAsU| MH = JUAN SSE SzOz 707 E707 C707 T7207 0207
Slide 24: Commercial banking income
“sageSpo w jeuaepises Woy ajes UO ules apn}aul jou saog ({) Buryjueg 4JaWNSUOD JA4}IO YespPsaAC a pele uoD S707 vz0z €707 7207 T7207 0707 6107 sng)efo7 e1oueul. y % D 18! Wd 9s — ca %8Y %cb %SS %SS Suog ‘%OE mee ve %IE = %e 5 — — 02 Cane 3 le) %6T 86S'TH$ eS %07 “ ves'svs a IS WEIZOld %6I Ler'lys 96
Slide 25: Efficiency and peer comparison
“SauaAodal JO JaU ale pue paysnipe A)}euoseas -UOU ale Saye 4O-aBIeYO *SueO] }ensoDe-UOU puke aOW10 Sep Of anp sed sasee) pue SuUeO) UO paseg paulwazep pue paysn{pe A}}euoseas-uoU ase sajes Aouanbuljeg ‘O/ }eydeo APS — eIep }eov0SIY UOIN ‘(sjasse pajepljosuod uo paseg syueg 3sage}] 0OL ay) ae Syueg
Slide 26: Trading metrics and peer data
SYUOWW BA}OMyBuIpesL jeudeo paseq-)si1 e101 sjesse ajqisue} /Ayinba uoluWOd a)qisuel ane yoo ayqisue) UOISSILULWOD aBUeYOXy pue S9ijNDas *S"h suo0!}e90) 8u} 38138 JUBIINOUOD YUM ‘dU ‘WeyIdeg MoO ENIg 1 SUO]}EDO] BD1JJO 19]U99 ]e/OUULY Op JO a]eS WILL oddl VI/AOL AdL OAS uoljoesuedy oeqeseey-a]eS UIN
Slide 27: Non-GAAP Reconciliation
NOILVWINIONOOAY dVVWS-NON
Slide 28: Non-GAAP reconciliation
ue0} & 0} paje]a/ SASSO) ypasd 40J UOIS|AO/d AY) Ul payayja/ ‘Ajaanoadseai ‘gzoz J 0 aIeNb ply) ay) pue szoz JO JaUeNb yunoj ay) UL 30 $ ss‘O 7EERL L6L‘Z8L 57‘ LOL $ ggEe‘66 6) (162) 2) G6LZ - (g6) - Z08 32'S ggz‘s L) (686‘r) 38°26 $ 80r'96 gz0z $z0z oe dag Le 9eq pepue syjuow eelyy “uonlsinboe yueg
Slide 29: Non-GAAP reconciliation
“uonisinboe yueg SI 91}qnday ay) ul pauinboe LU 9 ‘OF PUB UO} O'G$jJO S}UeLUaSN[pe AIeAOdeJ UO) SEPN}OU| (Z) -pazijenuuy (1) ue} & 0} pajejas SeSso} Ipaso 404 UOIS|AOId AY UJ pal29yad ‘AjaANoedsed ‘GzOz J OJBUIEND pily2 ey Pue SZOz JO JaLIeNb YUNOJ BY UI OF, 37° L HLT L VvOH¥ suneisdo po‘ese‘Le ¢$ L
Slide 30: Non-GAAP reconciliation
uonysinboe yueg Isu4 onqndey ey3 uJ pay|nboe ue o}) & O} pajejad S9SSO} YPasd 10J UOIS/AOIA BY? Ul PE}99)JO4 ‘“GZOT UJ UOI}}ILW 9 "Gg JO JUBUSNI[pe AleAo0deJ UO] e sepN}ou| (L) LLL ABEL VVOHU 8uneisdo oze‘LLv‘oe $ vee‘ess‘le $ (40}eu!WWOUap) sjesse SUl}e1ado asesaAe ]e}0) (OL8‘L9) (602‘89) Idd J8u e
Slide 31: Non-GAAP reconciliation
“uonisinboe yueg ISI 91}qnday ay) ul pauinboe LU 9 ‘OF PUB UO} O'G$JO S}UeLUaSN[pe AIeACdEJ UO) SEPN}OU| (Z) -pazijenuuy (1) ue} & 0} pajejas Sasso} Ipas2 104 UOIS|AOId AY) UJ pal29yad ‘AJaANoedsad ‘GzOz J OJBUIEND ply ey PUe SZOz JO JaUIeN YUNOJ By} UI OF, BL'SL %IS'VL JOLVOY 8uneisdo 0S‘L7G‘7% $ L
Slide 32: Non-GAAP reconciliation
“pezijenuuy (1) BES WEST S$}eSSe aZeJBAP ]e}0} 0} BSUNdxXe }SaJa,UI-UOU SUNeIAdO E0‘vZ6‘LE $ eC9L‘ELo‘ze $ (40}euIWWOUSp) Sjosse asesaAe ]e}0] Lv‘L6L $ G6LL‘VO~ $ (JoJe49LUNU) Bsuedxe yseJa}U!-UOU Bule18dO 0Z (S6Z‘Z) sjesodsip jesse pue uolje}UaW9)dUWI! }SUI4U0}}NY :sso7 - sé jualussasse jeloeds OjG
Slide 33: Non-GAAP reconciliation
‘pezijenuuy (1) BLL %VI'L S}@SSE OSEJBAL O} YNdd suNe1sdO eO‘sce‘le $ Ler‘zcele ¢ (10}eulWOUap) sjesse eseleAy 56'S9) (97Z‘09) 8]qIZuejU! WSOdep 8109 Jou ESeIOAY :SSO7 cO'vze‘ le $ eE9L‘eLo’zce ¢ sjosse oBeJane }e}0] v6‘evL $ vOs‘LEL $ (0, e49LWUNU) YNdd Bunes18adO 072) S6L‘'z s)esodsip jesse pue uo
Slide 34: Non-GAAP reconciliation
G°9S %0'09 ones Aousioiy3 06‘8EE $ 6rr‘OvVE $ (JoJeUILUOUSpP) BNUaAa! ]e}0] EL) LL ANUaAaI JBYIO :SN\d Ov‘OL 086‘69 AWODU! }S9J9}U!-UOU 12101 :SNd ey‘v OLY'v juauysnipe jus]eninba xe] B L797 $ Z70'997 $ IN LV‘L6L $ 6LL‘VOZ $ (40 e49LUNU) BsUsdxe jsaJ9]U!-UOU Sule18dO 9€‘S) (gg9e‘g) uonezivouwe 91qIs
Slide 35: Non-GAAP reconciliation
%8'09 %ILS $ eGgrsecL$ ces‘oee'L$ Sez‘ z (966‘98) - (go8‘L) (8¢2) LEL‘GZz 99L'9LZ SLO‘LL 08s9‘ZL $ sze‘o9g $ LHE‘9E0'L $ $ vLO'LSZ $ G00°99L ¢ 99Z‘0z - (oe8‘ZL) (Z90‘2Z) (g0‘ze) (L£2‘2) (ove) sé (geg‘Ze) (Z8L‘L) $ lez‘6ls ¢$ 6zge‘L6EL $ vz0z gz0z Le 98q Le 9eq popug iva, ones Aousioiyy (40,eulLWOUSp
Slide 36: Non-GAAP reconciliation
5e‘709'7 $ els‘rs9‘c $ Ayinbo ,ssopyoysseys UOWIWOD a)qIsUe] 96‘8L9) (966‘ZL9) sjesse 9)qI8uejUI! pue }IMpoOd :ssaq /8°Z6L) (8Z8‘Z6L) }901S Paajeid :SSq BG‘ELV‘S $ Lvr‘o6r‘e $ Ayinbs ,siapyoyaseys AWINbS Siopjoyoseys uouWIOS o)qisue] S707 GZ0Z2 oe des Le 99q (spuesnou} ul sie))op) uoNenlouosay dVV9-
Slide 37: Non-GAAP reconciliation
o LL $ E€0°9L $ 1lDOV Sulpn)oxe aieys Jed AGL 5e‘T9L G6s‘6ZL (40]euILUOUAP) poled Jo pus ‘Bulpuejsjno saseys 02 ‘TZB‘L $ gsz‘ess't $ lOOV B8ulpn)}oxe Ayinba ,ssepyoysseys UoWWODd 9]qIZUe] 50°S9 (789'86L) lOOV :ss97q 57‘ L88'L $ eZS‘v3so'7 $ Aynbe ,ssapjoysseys UoLUWOD 8)qIsue] 59°96) (966219) sjesse
Slide 38: Non-GAAP reconciliation
8S VL WL/401 diooueg Aipunoy emg ELL'SSLZ $ (soyeulwouap) sjesse a)qisue] (62) sjesse a)qisuequl :ssoq ZEL‘SSL‘Z $ slesse }e10] SLE'VLE $ (40}e19LUNU) AyINbe ,ssapyoysseys UOLULUOD 8)qIZUe (62) syesse 9]q13ue{U! pue }IMpood :sseq L6E'VLE $ Aynba ,ssopyoysieus VI/SO1 diooueg Apunog emg Gz0c oe des (s