FNB Q3 2024 Earnings Call: Full Transcript & Analysis

F.N.B. Corporation’s Q3 2024 Earnings Call: A New Era of Growth

A Morning of Insights

Good morning and welcome to F.N.B. Corporation’s Third Quarter 2024 Earnings Call! Today, we’re excited to share our latest financial updates and strategic initiatives with you.

Forward-Looking Statements and Non-GAAP Measures

Before we dive in, please note that this conference call and our reports filed with the Securities and Exchange Commission contain forward-looking statements and non-GAAP financial measures. These non-GAAP measures should be viewed in addition to, not as an alternative for, our reported results prepared in accordance with GAAP. You can find reconciliations of GAAP to non-GAAP operating measures in our presentation materials and earnings release.

Your Hosts

I’m Lisa Hajdu, Manager of Investor Relations, and I’ll be facilitating today’s call. Joining me are Vince Delie, Chairman, President, and CEO; Gary Guerrieri, Chief Credit Officer; Vince Calabrese, Chief Financial Officer; and other key executives.

The Agenda

After Vince Delie’s opening remarks, we’ll review our Q3 2024 performance, discuss our strategic initiatives, and answer your questions. Please note that this event is being recorded, and a replay will be available until Friday, October 25. You can access the webcast link on our corporate website under the About Us, Investor Relations section.

Now, Let’s Get Started!

I’ll now turn the call over to Vince Delie, who will share his insights on our Q3 2024 performance and the company’s future direction. Vince?

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