F.n.b. Corporation · NYSE:FNB
F.n.b — Investor Day (November 2025)
66 slides from F.n.b's investor day presentation, Nov 5, 2025
Slide 1: Exhibit 99.1
Innovation. Engagement. Performance. Exhibit 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking Information
Innovation. Engagement. Performance. 2 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 fact
Slide 3: Use of Non-GAAP Financial Measures and Key Performance Indicators
Innovation. Engagement. Performance. 3 Use of Non-GAAP Financial Measures and Key Performance Indicators To supplement our Consolidated Financial Statements presented in accordance with GAAP, we use certain non-GAAP financial measures, such as operating net income available to common shareholders, o
Slide 4: Vincent J. Delie, Jr., Chairman, President and CEO
Innovation. Engagement. Performance. Innovation. Engagement. Performance. Vincent J. Delie, Jr. Chairman, President and Chief Executive Officer F.N.B. Corporation and First National Bank
Slide 5: FNB: Foundations for the Future
Innovation. Engagement. Performance. 5 FNB: Foundations for the Future FNB Branches FNB ATMs 354 Branches 1,709 ATMs and ITMs Award-winning Digital Presence Serving 7 States and Washington D.C. $50 billion Total Assets $35 billion Total Loans $38 billion Total Deposits Products and platforms that ri
Slide 6: Can Your Bank Do That? Corporate Overview
Innovation. Engagement. Performance. 6 Can Your Bank Do That? Corporate Overview | First National Bank
Slide 7: Cultivating Innovation
Innovation. Engagement. Performance. 7 Cultivating Innovation Innovation is at the core of what we do at FNB. FNB’s digital and data strategies improve customer experience and drive revenue growth. Click-to-Bricks has transformed how customers bank. eStore® and Common App platforms have expanded fe
Slide 8: Engaging Our Stakeholders
Innovation. Engagement. Performance. 8 Engaging Our Stakeholders Bringing value to all stakeholders: Can Your Bank Do That? • Omnichannel presence for a streamlined experience • Products and solutions to serve individuals and businesses throughout their lifecycle • Comprehensive financial services w
Slide 9: Achieving Strong Financial Performance
Innovation. Engagement. Performance. 9 Achieving Strong Financial Performance Driving strong financial performance while maintaining our disciplined approach. (1) These results span the tenure of FNB’s executive team at the Bank and holding company, including successfully guiding FNB through the aft
Slide 10: Awards and Recognition
Innovation. Engagement. Performance. 10 • Global Retail Banking Awards: CEO of the Year – United States The Digital Banker, 2025 • Global Retail Banking Awards: Excellence in Digital Innovation The Digital Banker, 2024 • Banking Tech Awards USA: Best Digital Initiative o Finalist: Best Use of Tech i
Slide 11: Traditional Banking Reimagined: Digital and Data Analytics
Innovation. Engagement. Performance. Traditional Banking Reimagined: Digital and Data Analytics
Slide 12: Clicks-to-Bricks: Past, Present and Future
Innovation. Engagement. Performance. 12 Clicks-to-Bricks: Past, Present and Future eStore & Common App Integral to Strategy • For consumers and bankers • Transforming onboarding & cross-sell • Fast, smart and scalable • 40 products across Consumer and Business lines Smart, AI-Powered Capabilities •
Slide 13: Broad & Expanding Product Coverage
Innovation. Engagement. Performance. Broad & Expanding Product Coverage • 31 Consumer Deposit & Lending Products • 10 Business Deposit Products (15 Lending by Q2’26) • 22 Mortgage Products (2026) 13 Focusing on the Customer Experience and Primacy Driven by Speed & Efficiency • Most products, combina
Slide 14: Expanding Ecosystem
Innovation. Engagement. Performance. Expanding Ecosystem • 360 Dashboard, External Aggregation, eStore Common Application (eCA) integration • AI-driven customer support, customer-satisfaction portal • AI document management; pre-fill • More data = intelligence, engagement, cross-sell, speed 14 Conti
Slide 15: The Common App Advantage
Innovation. Engagement. Performance. 15 The Common App Advantage 1 FNB’s Advantage in Action 3 Products Simultaneously 2 Deposits Opened/Funded 1 Credit Card in Underwriting Debit Card Linked/Ordered Onboarding Started via Mobile All Under 7 Minutes Can Your Bank Do That?
Slide 16: Data Science & Analytics
Innovation. Engagement. Performance. Data Science & Analytics Leveraging data analytics, the Enterprise Data Warehouse (EDW) and artificial intelligence to provide insights, drive revenue and deepen existing relationships. Enterprise Data Warehouse Regulatory Models Opportunity IQ Mined 270 million+
Slide 17: Impact of Customer Engagement
Innovation. Engagement. Performance. 17 Impact of Customer Engagement ~70% of FNB’s Consumer Households are engaged For engaged deposit-first(1) households compared to unengaged households A household with a checking account with the following criteria: • at least 1 debit • at least 1 credit • 8 con
Slide 18: Driving Engagement and Primary Relationships
Innovation. Engagement. Performance. 18 Driving Engagement and Primary Relationships Enhanced data analysis and personalization have increased engaged households and lowered the cost to drive engaged relationships. 1 GOOD • Targeting prospect households within 5 miles of a branch with a $600 promo •
Slide 19: Driving Cross Sell via Leads
Innovation. Engagement. Performance. 19 Driving Cross Sell via Leads Generating effective cross-sell leads with innovative analytic tools, including Opportunity IQ. Performance Highlights ~190k leads generated per quarter in 2025 ~80% of the leads have been called, compared to 30% in 2024 ~500 incre
Slide 20: Sustainable Momentum in Consumer Banking
Innovation. Engagement. Performance. Sustainable Momentum in Consumer Banking
Slide 21: Consumer Bank: Diversity through Omnichannel Distribution
Innovation. Engagement. Performance. 81% 19% 60% 40% 21 Consumer Bank: Diversity through Omnichannel Distribution Banking Where You Want… Branch 354 Locations ATM / Virtual 1,709 Machines Digitally eStore / Mobile / Online ~85% Ranked Top 10 in our Markets Innovative digital and data analytics have
Slide 22: Consultative Approach
Innovation. Engagement. Performance. Consultative Approach 22 Engaged and Connected Teams Equipping our talent with the knowledge to meet our clients’ needs. • Consultative sales approach through leadership and sales training. • Provide high-value client solutions with product personalization. • Lev
Slide 23: Click-to-Bricks: Driving the Omnichannel Experience
Innovation. Engagement. Performance. 23 Click-to-Bricks: Driving the Omnichannel Experience Clicks-to-Bricks aids in expanding client relationships through a consistent, omnichannel experience and personalization. AI and Data Analytics • Enabling high-quality conversations. • Leveraging digital and
Slide 24: Transformation of the Consumer Bank
Innovation. Engagement. Performance. 24 Transformation of the Consumer Bank Delivering improved efficiency, enhanced capabilities and sustained growth. Modernizing Workforce Efficient Growth in the Consumer Bank Implemented staffing model to streamline titles, improve efficiencies and increase reven
Slide 25: FNB Small Business: Positioned for Future Growth
Innovation. Engagement. Performance. 25 FNB Small Business: Positioned for Future Growth Small Business is positioned to improve household penetration and customer engagement. ~90,000 FNB Small Business Customers ~2.7 million Small Businesses(1) across FNB’s footprint Significant Opportunity to Grow
Slide 26: Growth Technology and Collaboration
Innovation. Engagement. Performance. 26 Growth Technology and Collaboration Improve cross-sell in Merchant, Treasury and Card Services • Deepen client engagement and primacy to drive incremental revenue. • Build out dedicated support teams and enhanced product offerings. Expand the Common Applicatio
Slide 27: Differentiated Small Business Products and Capabilities
Innovation. Engagement. Performance. Differentiated Small Business Products and Capabilities FNB Small Business has created unique products and services tailored to our customers’ needs. • Small Business products and services for Physicians First private practices. • Accelerating Small Business port
Slide 28: Engaging Customer Relationships
Innovation. Engagement. Performance. 28 Engaging Customer Relationships Customer-focused and deeply rooted in FNB consumer bank Focused on acquiring, servicing, and expanding households Collaboration across FNB teams Increased cross-sell opportunities with relationship-based pricing Levera
Slide 29: Superior Customer Experience
Innovation. Engagement. Performance. Superior Customer Experience 29 Innovative Customer Experience Customer Surveys Advisory Councils End-to-End Omnichannel Experience Data Analytics and A.I. Ability to complete customer journey both in- branch and digitally. Tailored products and services to optim
Slide 30: Delivering Sustainable Growth
Innovation. Engagement. Performance. 30 Delivering Sustainable Growth FNB Mortgage Banking is strategically positioned to capture customer relationships, deepen cross-sell opportunities and expand growth. (1) Includes offerings for physicians, first-time homebuyers, low-to-moderate income consumers
Slide 31: Our Competitive Advantage in Consumer Banking
Innovation. Engagement. Performance. 31 Our Competitive Advantage in Consumer Banking Benefiting from our collaboration, client engagement and diverse footprint. Broad Reach and Depth Scale across our markets Customer Primacy Serve our clients how they want to be served Collaboration Work better tog
Slide 32: Commercial Banking: Scale and Service that Outpace the Competition
Innovation. Engagement. Performance. Commercial Banking: Scale and Service that Outpace the Competition
Slide 33: FNB Wholesale Bank
Innovation. Engagement. Performance. 33 FNB Wholesale Bank Wholesale Banking Products and Services Commercial Banking Advisory Services • Corporate and Business Banking • Mezzanine Financing • International Banking • Trust and Fiduciary • Insurance • Investment Real Estate • Treasury Management • Ca
Slide 34: Commercial Bank Strategy
Innovation. Engagement. Performance. Commercial Bank Strategy Commercial Bank Value Proposition: Carolina Markets Equipment Finance Added new FNB team members in the markets with rich knowledge Expanded Capital Markets and Treasury Management solutions Commercial loan and deposit CAGR of 16.7% and 1
Slide 35: FNB Capital Markets: Serving Our Clients Through the Business Life Cycle
Innovation. Engagement. Performance. FNB Capital Markets: Serving Our Clients Through the Business Life Cycle
Slide 36: FNB Capital Markets
Innovation. Engagement. Performance. 36 FNB Capital Markets (1) FNB initiative began in 2015 to expand Capital Markets capabilities. (2) International Banking capabilities were introduced in 2015. Record revenue for Debt Capital Markets year-to-date Capital Markets comprehensive products and service
Slide 37: FNB Advisory Services: Client-Focused, Growth Driven
Innovation. Engagement. Performance. FNB Advisory Services: Client-Focused, Growth Driven
Slide 38: Advisory Services at FNB
Innovation. Engagement. Performance. 38 Advisory Services at FNB Advisory Services(1) experienced team locally positioned across our markets brings a relationship-based approach focused on providing personalized guidance to help individuals, families, businesses and institutions gain financial peace
Slide 39: FNB Treasury Management: Expanding Capabilities and Deepening Customer Relationships
Innovation. Engagement. Performance. FNB Treasury Management: Expanding Capabilities and Deepening Customer Relationships
Slide 40: FNB Treasury Management
Innovation. Engagement. Performance. 2020 2024 40 FNB Treasury Management (1) FNB initiative began in 2020 to expand Treasury Management and Payment capabilities. (2) Reflects interest income, service charges, credit card interchange and merchant services income. (3) Reflects period end balances. (4
Slide 41: Strong Foundations, Strategic Momentum
Innovation. Engagement. Performance. Strong Foundations, Strategic Momentum
Slide 42: Comprehensive Framework to Manage Credit Risk
Innovation. Engagement. Performance. 0.34 0.36 0.41 0.45 0.58 0.58 1.15 1.17 1.29 1.55 1.64 1.67 1.88 2.38 3.21 3.69 4.13 5.16 5.76 Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 Peer 16 Peer 17FNBPA(3) 42 Comprehensive Framework to Man
Slide 43: Consistent and Conservative Underwriting
Innovation. Engagement. Performance. 43 Consistent and Conservative Underwriting FNB credit policy provides consistent and prudent underwriting standards footprint wide for all products and delivery channels. Maintain consistent underwriting standards throughout economic cycles • Underwriting proc
Slide 44: Diverse Loan Portfolio
Innovation. Engagement. Performance. $23.3 $35.0 2019 3Q25 44 Diverse Loan Portfolio (1) NOO CRE reflects Call Report Methodology funded balances using lines BHCKF159, BHDM1460 and BHCKF161. Highly diversified loan portfolio with a focus on concentration management. 150% 175% 200% 225% 250% 275% 4Q
Slide 45: Serving as Our Customers' Operating Bank
Innovation. Engagement. Performance. 93.8% 96.5% 91.7% 91.5% 91.9% 91.9% 90.9% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 45 Serving as Our Customers’ Operating Bank FNB continues a long-term strategy of being our customers’ primary operating bank through a focus on generating low-cost deposits across both
Slide 46: Sustained Profitability
Innovation. Engagement. Performance. $373.1 $406.9 $403.8 $413.0 $407.1 $411.6 $438.2 $457.5 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Total Revenue Total Operating Revenue 46 Sustained Profitability Enhanced performance with strategic investments in technology and diversified fee-income businesses. Record
Slide 47: Disciplined Expense Management
Innovation. Engagement. Performance. 47 Disciplined Expense Management Continued expense management with annual cost savings initiatives and investing for the future. 2026 Expectations Operating non-interest expense growth year-over-year to be in the low single digits Significant cost savings in
Slide 48: Well-Positioned Capital and Strong Shareholder Returns
Innovation. Engagement. Performance. 9.4% 9.8% 9.9% 9.8% 10.0% 10.6% 11.1% 2019 2020 2021 2022 2023 2024 3Q25 19% 29% 14% 14% 40%24% 33%Peer Percentile 7.6% 7.2% 7.4% 7.2% 7.8% 8.2% 8.7% 2019 2020 2021 2022 2023 2024 3Q25 5% 19% 67% 57% 70%38% 67%Peer Percentile $7.53 $7.88 $8.59 $8.27 $9.47 $10.49
Slide 49: 2025 Financial Objectives
Innovation. Engagement. Performance. 49 2025 Financial Objectives Reiterate 2025 guidance offered on October 2025 Earnings Call. (1) Targets are relative to December 31, 2024. (2) Targets are on a GAAP reported basis. FY 2025 Guidance Commentary Spot Loans Mid-single digit growth Expect to be toward
Slide 50: Forward-Looking Objectives and Opportunities
Innovation. Engagement. Performance. 50 Forward-Looking Objectives and Opportunities Leverage data analytics and digital technology to grow engaged households and improve lead generation. • A 1% conversion rate from new internally generated leads would be ~8k in incremental accounts, annually. I
Slide 51: Can Your Bank Do That?
Innovation. Engagement. Performance. 51 Can Your Bank Do That? FNB remains well prepared to meet the needs of our customers and business clients throughout all economic cycles. Superior Digital Offerings and Data Analytics Collaborative and Talented Team Conservative Risk Management Broad Suite of P
Slide 52: Appendix
Innovation. Engagement. Performance. Appendix
Slide 53: Third Quarter Financial Overview
Innovation. Engagement. Performance. 53 Third Quarter Financial Overview (1) A non-GAAP measure. (2) FTE basis. • Net income available to common shareholders increased 14.4% linked quarter to $149.5 million, or $0.41 per diluted common share. • Revenue growth of 4.4% linked-quarter was driven by rec
Slide 54: 2025 Peer Group Listing
Innovation. Engagement. Performance. 54 2025 Peer Group Listing Ticker Institution Ticker Institution ASB Associated Banc-Corp. RF Regions Financial Corp. BKU BankUnited, Inc. SFNC Simmons First National Corp. BOKF BOK Financial Corp. SNV Synovus Financial Corp. CBSH Commerce Bancshares, Inc. SSB So
Slide 55: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 55
Slide 56: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 56
Slide 57: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 57
Slide 58: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 58
Slide 59: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 59
Slide 60: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 60
Slide 61: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 61
Slide 62: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 62
Slide 63: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 63
Slide 64: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 64
Slide 65: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 65
Slide 66: Non-GAAP to GAAP Reconciliation
Innovation. Engagement. Performance. Non-GAAP to GAAP Reconciliation 66