Exhibit 12

F.N.B. CORPORATION

COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

(Dollars in thousands)

	Six Months Ended June 31,						Year Ended December 31,
	2018			2017			2017			2016			2015			2014			2013
Earnings:
Income before income taxes	$	213,707		$	133,486		$	356,269		$	246,389		$	229,642		$	206,670		$	162,560
Fixed charges, excluding interest on deposits		54,968			36,076			86,407			44,810			34,330			29,921			18,384
Less: Preferred stock dividends		(4,996	)		(5,511	)		(14,381	)		(11,593	)		(11,566	)		(11,983	)		—
Subtotal		2,63,679			1,64,051			4,28,295			2,79,606			2,52,406			2,24,608			1,80,944
Interest on deposits		57,518			28,493			71,582			41,239			31,207			29,602			29,441
Total	$	321,197		$	192,544		$	499,877		$	320,845		$	283,613		$	254,210		$	210,385
Fixed charges:
Interest on borrowed funds	$	44,066		$	26,067		$	62,310		$	26,212		$	17,366		$	13,083		$	14,903
Interest component of rental expense		5,907			4,499			9,716			7,005			5,398			4,855			3,481
Preferred stock dividends		4,996			5,511			14,381			11,593			11,566			11,983			—
Subtotal		54,969			36,077			86,407			44,810			34,330			29,921			18,384
Interest on deposits		57,518			28,493			71,582			41,239			31,207			29,602			29,441
Total	$	112,487		$	64,570		$	157,989		$	86,049		$	65,537		$	59,523		$	47,825
Ratio of earnings to fixed charges:
Excluding interest on deposits		5.18x			5.19x			5.75x			8.07x			10.58x			11.85x			9.84x
Including interest on deposits		2.94x			3.17x			3.38x			4.15x			5.04x			5.10x			4.40x
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits		4.80x			4.55x			4.96x			6.24x			7.35x			7.51x			9.84x
Including interest on deposits		2.86x			2.98x			3.16x			3.73x			4.33x			4.27x			4.40x