F.N.B. Corporation Earnings Presentation Fourth Quarter 2022 January 24, 2023 Cautionary Statement Regarding Forward-Looking Information This document may contain statements regarding F.N.B. Corporation's outlook for earnings, revenues, expenses, tax rates, capital and liquidity levels and ratios, asset quality levels, financial position and other matters regarding or affecting our current or future business and operations. These statements can be considered "forward-looking statements" within the meaning o ...

F.N.B. Corporation (NYSE:FNB) Q4 2022 Earnings Conference Call January 24, 2022 8:30 AM ET Company Participants Lisa Constantine - Manager of Investor Relations Vince Delie - Chairman, President & CEO Gary Guerrieri - Chief Credit Officer Vince Calabrese - CFO Conference Call Participants Frank Schiraldi - Piper Sandler Jared Shaw - Wells Fargo Securities Casey Haire - Jefferies Daniel Tamayo - Raymond James Michael Perito - KBW Brian Martin - Janney Montgomery Operator Good morning, everyone, and welcome t ...