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FNB(FNB) - 2023 Q2 - Earnings Call Presentation
2023-07-20 21:02
F.N.B. Corporation Earnings Presentation Second Quarter 2023 July 20, 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 of t ...
FNB(FNB) - 2023 Q1 - Quarterly Report
2023-05-05 00:00
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1255406 (State or other jurisdictio ...
FNB(FNB) - 2023 Q1 - Earnings Call Transcript
2023-04-21 00:36
F.N.B. Corporation (NYSE:FNB) Q1 2023 Earnings Conference Call April 20, 2023 8:30 AM ET Company Participants Lisa Hajdu - Manager of IR Vince Delie - Chairman, President and CEO Gary Guerrieri - Chief Credit Officer Vince Calabrese - CFO Scott Free - SVP and Treasurer Conference Call Participants Frank Schiraldi - Piper Sandler Daniel Tamayo - Raymond James Timur Braziler - Wells Fargo Securities Michael Perito - KBW Russell Gunther - Stephens Brian Martin - Janney Operator Good morning, and welcome to th ...
F.N.B. (FNB) Investor Presentation - Slideshow
2023-03-03 01:46
F.N.B. Corporation Investor Presentation: Fourth Quarter 2022 February 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 of ...
FNB(FNB) - 2022 Q4 - Annual Report
2023-02-24 00:00
公司业务及收购 - 公司总资产为440亿美元,贷款为300亿美元,存款为350亿美元[12] - 2022年1月22日完成对Howard Bancorp, Inc.的收购,总部位于马里兰州巴尔的摩市[13] - 2022年12月9日完成对UB Bancorp的收购,总部位于北卡罗来纳州格林维尔[14] - 截至2022年12月31日,FNB在宾夕法尼亚州、俄亥俄州、马里兰州、西弗吉尼亚州、北卡罗来纳州、南卡罗来纳州、华盛顿特区和弗吉尼亚州拥有348家社区银行分支机构[11] - 截至2022年12月31日,FNB的三个业务部门分别为社区银行、财富管理和保险,总资产为440亿美元[20] - FNB的社区银行部门在七个州和哥伦比亚特区运营,提供商业和消费者银行服务,包括企业银行、小型企业银行、投资房地产融资、商业信贷等[22] - FNB的财富管理部门通过三个子公司提供财富管理服务,包括信托服务、投资产品和保险经纪服务[30] - FNB的保险部门主要通过FNIA运营,提供商业和个人保险服务,旨在通过向社区银行部门的现有客户交叉销售来增加收入[33] - FNB在七个州和哥伦比亚特区经营,与许多银行和非银行金融机构竞争,包括商业银行、储蓄银行、信用合作社等[37] 公司人才发展及工作环境 - 公司致力于吸引、留住和培养优秀人才,包括建立反映不同文化、种族和背景的多元化工作团队[40] - 公司通过多种策略提供安全环境,识别、提拔和培养未来领导者,已获得约50个工作场所奖项[40] - 公司在2021年和2022年连续两年被独立研究机构Energage评为美国顶尖工作场所,获得金融服务行业全国顶级工作场所的认可[40] - 公司及其子公司截至2023年1月31日拥有3916名全职员工和274名兼职员工[40] - 公司致力于建立多元化和包容性的工作团队,与招聘中心、大学和历史悠久的黑人学院等机构建立互惠合作关系,吸引多元化候选人[41] - 公司专注于发展领导者和促进内部晋升,提供导师计划、继任计划和领导力项目,同时为员工提供学费报销[42] - 公司设有多元化和包容性经理以及积极参与多元化委员会,致力于促进文化多样性、公平和包容性,支持建立一个吸引、留住和培养最优秀人才的工作环境[43] - 公司定期征求员工反馈,并参与多个地区顶级工作场所调查,以提升整体员工参与度[44] 银行监管及资本要求 - 银行必须维持CET1、一级和总资本至少分别为7.00%、8.50%和10.50%[84] - 银行控股公司必须遵守最低杠杆比率准则,杠杆比率在2022年12月31日为8.64%[85] - 遵守Dodd-Frank法案的资本要求,以确保金融机构在未来的金融困境期间持有足够的资本来吸收损失[86] - FRB、OCC和FDIC已经采纳了风险资本规定,实施了Dodd-Frank法案和巴塞尔III框架的某些规定[87] - 银行必须维持资本保留缓冲区,包括2.5%的CET1资本占风险加权资产的比例[90] - 银行机构不受高级方法资本规定约束,可以从普通股权1资本中扣除任何单独超过 CET1 资本的 MSA、暂时性差异 DTA 和非合并金融机构资本投资的金额[93] - 2017年巴塞尔银行监督委员会发布了巴塞尔III协议的最新版本,即“巴塞尔IV”,旨在减少风险加权资产的过度变动,增强标准化方法对信用风险和运营风险的稳健性和风险敏感性[94] - 2020年8月,联邦银行监管机构发布了一项最终规则,允许在2020年采用 CECL 会计准则的银行机构延迟两年估计 CECL 对监管资本的影响,随后进行为期三年的过渡期[95] - 经济增长法案提供了资产门槛,要求银行机构进行并向其主要联邦银行监管机构报告年度公司自主压力测试,资产门槛从100亿美元提高到总资产250亿美元[96] - FDICIA将银行机构分类为五个资本类别,根据分类对未达到最低资本要求的银行机构实施“及时纠正措施”,并对不同类别的机构实施逐步更严格的限制[97]
FNB(FNB) - 2022 Q4 - Earnings Call Presentation
2023-01-25 02:51
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 ...
FNB(FNB) - 2022 Q4 - Earnings Call Transcript
2023-01-25 02:50
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 ...
FNB(FNB) - 2022 Q3 - Earnings Call Presentation
2022-10-19 19:35
| --- | --- | |-------------------------|-------| | | | | F.N.B. Corporation | | | | | | Earnings Presentation | | | Third Quarter 2022 | | | October 19, 2022 | | | | | Cautionary Statement Regarding Forward-Looking Information 2 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 ope ...
FNB(FNB) - 2022 Q2 - Earnings Call Presentation
2022-07-22 00:55
| --- | --- | |-------------------------|-------| | | | | Earnings Presentation | | | Second Quarter 2022 | | | July 21, 2022 | | | | | Cautionary Statement Regarding Forward-Looking Information 2 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 ...
F.N.B. (FNB) Investor Presentation - Slideshow
2022-05-21 04:13
| --- | --- | |------------------------------------------|-------| | | | | | | | Investor Presentation First Quarter 2022 | | | May 2022 | | | | | Use of Cautionary Statement Regarding Forward-Looking Information 2 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 ...