F.N.B. CORPORATION (NYSE:FNB) Files An 8-K Results of Operations and Financial Condition
Item 2.02 Results of Operations and Financial Condition.

On October19, 2017, F.N.B. Corporation (the “Corporation”) issued a press release reporting the Corporation’s unaudited financial results for the 3rd quarter ended September30, 2017, and held a live audio webcast to discuss such results. In connection with the webcast, the Corporation also made available an investor presentation regarding the Corporation’s unaudited financial results for the 3rd quarter ended September30, 2017. Copies of the investor presentation and conference call transcript are included as Exhibits 99.1 and 99.2 to this Current Report on Form 8-K and are incorporated herein by reference.

The information in this Current Report on Form 8-K, including the accompanying exhibits, is being furnished and shall not be deemed “filed” for purposes of Section18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of such section, nor shall it be incorporated by reference into any filings under the Securities Act of 1933, as amended, except as may expressly be set forth in any such filing by specific reference.

Cautionary Statement Regarding Forward-Looking Statements

This Current Report on Form 8-K, including the accompanying exhibits, may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including the Corporation’s expectations relative to business and financial metrics, post-Yadkin merger integration and conversion activities, outlook regarding revenues, expenses, earnings, liquidity, asset quality and statements regarding the impact of technology enhancements and customer and business process improvements.

All forward-looking statements speak only as of the date they are made and are based on information available at that time. The Corporation assumes no obligation to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.

Such forward-looking statements may be expressed in a variety of ways, including the use of future and present tense language expressing expectations or predictions of future financial or business performance or conditions based on current performance and trends. Forward-looking statements are typically identified by words such as “believe,” “plan,”

“expect,” “anticipate,” “intend,” “outlook,” “estimate,” “forecast,” “will,” “should,” “project,” goal,” and other similar words and expressions. These forward-looking statements involve certain risks and uncertainties. In addition to factors previously disclosed in the Corporation’s reports filed with the SEC, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance: changes in asset quality and credit risk; the inability to sustain revenue and earnings growth; changes in interest rates and capital markets; inflation; potential difficulties encountered in expanding into a new and remote geographic market; customer borrowing, repayment, investment and deposit practices; customer disintermediation; the introduction, withdrawal, success and timing of business and technology initiatives; competitive conditions; the inability to realize cost savings or revenues or to implement integration plans and other consequences associated with the Yadkin merger, acquisitions and divestitures; economic conditions; and the impact, extent and timing of technological changes, capital management activities, and other actions Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System and legislative and regulatory actions and reforms.

Actual results may differ materially from those expressed or implied as a result of these risks and uncertainties, including but not limited to, the risk factors and other uncertainties described in the Corporation’s Annual Report on Form 10-K for the year ended December31, 2016, our subsequent quarterly 2017 Form 10-Q’s (including the risk factors and risk management discussions) and the Corporation’s other subsequent filings with the SEC, which are available on the Corporation’s corporate website at https://www.fnb-online.com/about-us/investor-relations-shareholder-services. The Corporation’s web address is included as an inactive textual reference only. Information on the Corporation’s website is not part of this Current Report on Form 8-K.

FNB CORP/PA/ Exhibit
EX-99.1 2 d466451dex991.htm EX-99.1 EX-99.1 F.N.B. Corporation Earnings Presentation Third Quarter 2017 October 19,…
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About F.N.B. CORPORATION (NYSE:FNB)

F.N.B. Corporation is a financial holding company. The Company operates through four segments: Community Banking, Wealth Management, Insurance and Consumer Finance. Its Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers services, including commercial and individual demand, savings and time deposit accounts and commercial, mortgage and individual installment loans. It operates its Community Banking business through a network of over 290 branches in Pennsylvania, Ohio, Maryland and West Virginia. Its Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of Community Banking. The Company’s Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Corporation. Its Consumer Finance segment operates through its subsidiary, Regency Finance Company. It also operates other non-banking subsidiaries.