F.N.B. Corporation (FNB) Q3 2023 Earnings Call Transcript


F.N.B. Corporation (NYSE:FNB) Q3 2023 Earnings Conference Call October 19, 2023 8:30 AM ET

Company Participants

Lisa Hajdu – IR

Vincent Delie – Chairman, President & CEO

Gary Guerrieri – Chief Credit Officer

Vincent Calabrese – CFO

Conference Call Participants

Daniel Tamayo – Raymond James

Michael Perito – KBW

Manuel Navas – DA Davidson

Frank Schiraldi – Piper Sandler

Brian Martin – Janney Montgomery

Operator

Good morning, and welcome to the F.N.B. Corporation Third Quarter 2023 Earnings Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. Please note this event is being recorded.

I’d now like to turn the conference over to Lisa Hajdu. Please go ahead.

Lisa Hajdu

Thank you. Good morning, and welcome to our earnings call. This conference call of F.N.B. Corporation and the reported files with the Securities and Exchange Commission often contain forward-looking statements and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to and not as an alternative for our reported results prepared in accordance with GAAP.

Reconciliations of GAAP to non-GAAP financial measures to the most directly compatible GAAP financial measures are included in our presentation material and in our earnings release. Please refer to these non-GAAP and forward-looking disclosures contained in our related materials, reports and registration statements filed with the Securities and Exchange Commission and available on our corporate website. A replay of this call will be available until Thursday, October 26, and the webcast link will be posted to the About Us Investor Relations section of our corporate website.

I will now turn the call over to Vince Delie, Chairman, President and CEO.

Vincent Delie

Thank you, and welcome to our third quarter earnings call. Joining me today are Vince Calabrese, our Chief Financial Officer; and Gary Guerrieri, our Chief



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