Fulton Financial Corporation · NASDAQ:FULT

Fulton Financial — Shareholder Meeting (April 2012)

71 slides from Fulton Financial's shareholder meeting presentation, Apr 30, 2012

1. Slide 1: Fulton Financial Corporation

   FULTON FINANCIAL CORPORATION

2. Slide 2: Forward-Looking Statement

   Please remember that during today’s program, representatives of Fulton may make forward- looking statements with respect to Fulton’s financial condition, results of operations and business. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertaint

3. Slide 3: Today's Meeting

   3 TODAY’S MEETING n Tape recorders and cameras are not permitted in the meeting. n The display of placards and/or signs is prohibited. n Please be considerate of others -- silence or turn off your cell phone during the meeting. n Any questions and comments should be directed to the chairperson of th

4. Slide 4: Welcome and Opening Remarks

   4 WELCOME AND OPENING REMARKS

5. Slide 5: Today's Agenda

   Proposals: Introductions Results of Voting Conclusion of Business Meeting TODAY’S AGENDA n Business Meeting u = Election of directors = Say on Pay = Ratification of appointment of independent auditor u u u n Management Presentation n Questions and Answers

6. Slide 6: Corporate Website: www.fult.com

   CORPORATE WEBSITE: WWW.FULT.COM

7. Slide 7: Fulton Financial Corporation

   FULTON FINANCIAL CORPORATION

8. Slide 8: Board of Directors

9. Slide 9: Jeffrey G. Albertson

   JEFFREY G. ALBERTSON

10. Slide 10: Joe N. Ballard

    JOE N. BALLARD

11. Slide 11: John M. Bond, Jr.

    JOHN M. BOND, JR.

12. Slide 12: Craig A. Dally

    CRAIG A. DALLY

13. Slide 13: Patrick J. Freer

    PATRICK J. FREER

14. Slide 14: Rufus A. Fulton, Jr.

    RUFUS A. FULTON, JR.

15. Slide 15: George W. Hodges

    GEORGE W. HODGES

16. Slide 16: Willem Kooyker

    WILLEM KOOYKER

17. Slide 17: Donald W. Lesher, Jr.

    DONALD W. LESHER, JR.

18. Slide 18: Albert Morrison III

    ALBERT MORRISON III

19. Slide 19: Gary A. Stewart

    GARY A. STEWART

20. Slide 20: E. Philip Wenger

    E. PHILIP WENGER

21. Slide 21: In Memoriam: John O. Shirk

    IN MEMORIAM: JOHN O. SHIRK

22. Slide 22: Fulton Financial Corporation

    FULTON FINANCIAL CORPORATION

23. Slide 23: Charlie Nugent

    CHARLIE NUGENT

24. Slide 24: Jim Shreiner

    JIM SHREINER

25. Slide 25: Craig Hill

    CRAIG HILL

26. Slide 26: Craig Roda

    CRAIG RODA

27. Slide 27: Fulton Financial Corporation

    FULTON FINANCIAL CORPORATION

28. Slide 28: Gerry Nau

    GERRY NAU

29. Slide 29: Jill Carson

    JILL CARSON

30. Slide 30: Rocco DelVecchio

    30 ROCCO DELVECCHIO

31. Slide 31: Dave Hanson

    DAVE HANSON

32. Slide 32: Bryan Holmes

    32 BRYAN HOLMES

33. Slide 33: Curt Myers

    CURT MYERS

34. Slide 34: John Scaldara

    JOHN SCALDARA

35. Slide 35: Angela Snyder

    ANGELA SNYDER

36. Slide 36: Mike Wimer

    MIKE WIMER

37. Slide 37: Fulton Financial Corporation

    FULTON FINANCIAL CORPORATION

38. Slide 38: Fulton Financial Corporation

    FULTON FINANCIAL CORPORATION

39. Slide 39: Phil Wenger, President and COO

    Phil Wenger President and COO

40. Slide 40: Highlights of 2011

    Significant progress and improvement 40 n Earnings per share growth n Improvement in ROA n Better asset quality n Good core deposit growth n Margin expansion n Expense control HIGHLIGHTS OF 2011

41. Slide 41: Peer Banks

    41 PEER BANKS n Associated Banc-Corp n BancorpSouth, Inc. n BOK Financial Corporation n City National Corporation n Commerce Bancshares, Inc. n Cullen/Frost Bankers, Inc. n First Horizon National Corporation n FirstMerit Corporation n First Niagara Financial Group, Inc. n International Bancshares Co

42. Slide 42: 2011 Earnings Growth

    42 EPS EPS 2011 EARNINGS GROWTH TN

43. Slide 43: Stock Price - 12-Month Change

    43 STOCK PRICE - 12-MONTH CHANGE

44. Slide 44: Analyst Recommendations

    BB&T Buy Bank of America/Merrill Lynch Underperform Barclays Capital Overweight Boenning & Scattergood Neutral Credit Suisse Neutral FBR Capital Markets Outperform Guggenheim Partners Buy Janney Montgomery Scott Buy Jefferies and Company Hold Keefe, Bruyette & Woods Market Perform Raymond James Mark

45. Slide 45: FULT vs Peer vs Top

    05 06 O7 O8 09 ~-FULT Peer Top 50 45

46. Slide 46: 2011 Credit Quality Improvement

    46 2011 CREDIT QUALITY IMPROVEMENT n Net charge-offs increased slightly n Non-performing assets decreased n Provision for credit losses decreased

47. Slide 47: Average Core Deposit Growth

    47 AVERAGE CORE DEPOSIT GROWTH

48. Slide 48: Average Loan Growth

    48 AVERAGE LOAN GROWTH

49. Slide 49: Net Interest Margin vs Peers

    4.00 3.75 3.50 3.25 08 09 10 —-—FULT ~*-Peer —*Top 50

50. Slide 50: 2011 Lean Improvement Results

    50 n Employees completed 334 Lean initiatives n Result: $4.5 million in savings to our company n We will continue to benefit in 2012 and beyond 2011 LEAN IMPROVEMENT RESULTS

51. Slide 51: Efficiency Ratio vs Peers

    66.0 64.0 03 =>FULT “@Peer =tTop 50 11

52. Slide 52: Fulton Banks

    B The Columbia Bank @ FNB Bank @ Fulton Bank BH Fulton Bank of New Jersey i Lafayette Ambassador Bank G Swineford National Bank Pennsylvania

53. Slide 53: Greenwich Associates Awards

    Overall Satisfaction in Banking Treasury Management 53 n 2011 Greenwich Excellence Awards in Middle Market Banking n Fulton Bank, N.A. won in 2 categories § § n National and Regional winner n Criteria: $10 - $500 million in sales n 11,500 business interviews GREENWICH ASSOCIATES

54. Slide 54: 2011 Customer Experience

    54 n Care, Listen, Understand, Deliver n 600 Experience Champions and Ambassadors n Learning sessions helped employee connect with the “bigger picture” 2011 CUSTOMER EXPERIENCE

55. Slide 55: Customer Experience

    Why do we pay so much attention to Our Promise? 55 n Satisfied customers will increase the business they bring to us n More households and more products Customer Experience + strong sales efforts RESULTS! CUSTOMER EXPERIENCE

56. Slide 56: 2011 Sales Results

    Year-end 2010 households: 243,125 Year-end 2011 households: 243,292 Year-end 2010 households: 64,832 Year-end 2011 households: 67,382 56 Retail households Commercial households Total household increase: 2,717 2011 SALES RESULTS

57. Slide 57: 57

    57

58. Slide 58: Forward-Looking Statement

    Please remember that during today’s program, representatives of Fulton may make forward- looking statements with respect to Fulton’s financial condition, results of operations and business. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertaint

59. Slide 59: Capital

    Fulton Financial 12/31/11 Basel III (1) Total Risk-Based Capital Ratio 15.20% 10.50% Tier 1 Risk-Based Capital Ratio (2) 12.70% 8.50% Leverage Capital Ratio 10.30% TBD Common Equity Ratio (3) 11.30% 7.00% Tangible Common Equity Ratio (4) 9.15% NA (1) Fully phased-in requirements, with 2.50% conserva

60. Slide 60: Potential Uses of Capital

    60 POTENTIAL USES OF CAPITAL n Dividends to shareholders n Repurchase stock n Strategic acquisitions n Support organic growth

61. Slide 61: Dividends

    Dividend yield: approximately 2.7% 61 n Increased 4 out of last 5 quarters n n Evaluated quarterly by the FFC board n Will look to increase it further as our earnings and the economy improve DIVIDENDS

62. Slide 62: Acquisitions Climate

    62 n Limited opportunity in 2011 n Do not foresee much change in 2012 n Bank consolidation may increase - based on economy and new capital requirements ACQUISITIONS CLIMATE

63. Slide 63: The Regulatory Environment

    63 The Dodd-Frank Act n The most comprehensive reform of the financial system in decades (1,000 pages) n Enacted following the recent national financial crisis n Increased compliance requirements in many areas: retail, commercial, mortgage n Makes managing expenses more challenge for our industry TH

64. Slide 64: The STAR Project

    64 n Upgrades our core data processing system n Enables us to more directly address customers’ financial needs n Reduces back-office tasks and paperwork n Provides a more effective sales tool THE STAR PROJECT

65. Slide 65: Improve Our Return on Assets

    65 n Continue to reduce our credit costs n Loan growth n Provide a superior customer experience n Leverage opportunities to increase our market share IMPROVE OUR RETURN ON ASSETS

66. Slide 66: 2012 Branch Plans

    New construction n Waugh Chapel (MD) n Seven Oaks (MD) n Exton (PA) n Warrington (PA) n Madison (NJ) n Manahawkin (NJ) Relocations/upgrades n Oxford (PA) n McGovern Avenue (PA) n Branmar (DE) n Newport News (VA) n Williamsport (PA) 2012 BRANCH PLANS

67. Slide 67: New Branch Prototype

    NEW BRANCH PROTOTYPE

68. Slide 68: Our Ultimate Goal

    68 We will increase shareholder value and enrich the communities we serve by creating financial success together with our customers and career success together with our employees . OUR ULTIMATE GOAL

69. Slide 69: A Smooth Transition

    69 A SMOOTH TRANSITION

70. Slide 70: Questions and Answers

    70 Please remember to: QUESTIONS AND ANSWERS n Use the microphones in front of room n Ask only one question to give other shareholders a chance n State your name before you ask your question

71. Slide 71: Fulton Financial Corporation

    FULTON FINANCIAL CORPORATION

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