F.N.B. Corporation (NYSE:FNB) Q4 2024 Earnings Conference Call January 22, 2025 8:30 AM ET

Company Participants

Lisa Hajdu - Manager, Investor Relations
Vince Delie - Chairman, President and Chief Executive Officer
Gary Guerrieri - Chief Credit Officer
Vince Calabrese - Chief Financial Officer

Conference Call Participants

Daniel Tamayo - Raymond James
Russell Gunther – Stephens
Kelly Motta – KBW
Manuel Navas - D.A. Davidson
Frank Schiraldi - Piper Sandler
Brian Martin - Janney Montgomery

Operator

Good morning, everyone and welcome to the F.N.B. Corporation Fourth Quarter 2024 Earnings Call. All participants’ will be in listen-only mode. [Operator Instructions] Please also note today’s event is being recorded.

At this time, I would like to turn the floor over to Lisa Hajdu, Manager of Investor Relations. Ma’am, please go ahead.

Lisa Hajdu

Good morning and welcome to our earnings call. This conference call of FNB Corporation and the reports that filed with the Securities and Exchange Commission also 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 operating measures to the most comparable GAAP financial measures are included in our presentation materials and in our earnings release.

Please refer to these non-GAAP and forward-looking statement 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 Wednesday, January 29, 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.

Vince Delie

Thank you and welcome to our third quarter earnings call. Joining me today