8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): April 18, 2017

Fulton Financial Corporation

(Exact name of Registrant as specified in its Charter)

Pennsylvania	0-10587	23-2195389
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification Number)
One Penn Square Lancaster, Pennsylvania		17604
(Address of principal executive offices)		(Zip Code)

Registrant's telephone number, including area code: 717-291-2411

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

£  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

£  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

£  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

£  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company £

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. £

Item 2.02 - Results of Operations and Financial Condition

On April 18, 2017, Fulton Financial Corporation (“Fulton”) issued a press release (the “Press Release”) announcing its results of operations for the first quarter ended March 31, 2017. A copy of the Press Release and supplementary financial information which accompanied the Press Release, are attached as Exhibits 99.1 and 99.2, respectively, to this Current Report and are incorporated herein by reference. Fulton also posted on its Investor Relations website, www.fult.com, presentation materials Fulton intends to use during a conference call and webcast to discuss those results on Wednesday, April 19, 2017 at 10:00 a.m. Eastern Time. A copy of the presentation materials is attached as Exhibit 99.3 to this Current Report and is incorporated herein by reference.    

Forward-Looking Statements

This Current Report on Form 8-K, including the Exhibits hereto, may contain forward-looking statements with respect to Fulton’s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as “may,” “should,” “will,” “could,” “estimates,” “predicts,” “potential,” “continue,” “anticipates,” “believes,” “plans,” “expects,” “future,” “intends” and similar expressions which are intended to identify forward-looking statements. Statements relating to the “outlook” or “2017 Outlook” contained in Exhibit 99.3 to this Current Report are forward-looking statements. These forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond Fulton’s control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements.

A discussion of certain risks and uncertainties affecting Fulton, and some of the factors that could cause Fulton’s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in Fulton’s Annual Report on Form 10-K for the year ended December 31, 2016, which has been filed with the Securities and Exchange Commission and is available in the Investor Relations section of Fulton’s website (www.fult.com) and on the Securities and Exchange Commission’s website (www.sec.gov). Fulton undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Item 9.01 Financial Statements And Exhibits

(d)Exhibits.

Exhibit No.	Description
99.1	Press Release dated April 18, 2017.
99.2	Supplementary financial information for the quarter ended March 31, 2017.
99.3	Presentation materials to be discussed during the conference call and webcast on April 19, 2017.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 18, 2017	FULTON FINANCIAL CORPORATION
	By: /s/ Philmer H. Rohrbaugh
	Philmer H. Rohrbaugh
	Senior Executive Vice President,
	Chief Operating Officer and
	Chief Financial Officer

EX-99.1

Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Laura J. Wakeley (717) 291-2616

Investor Contact: Jason Weber (717) 327-2394

Fulton Financial reports first quarter earnings of $0.25 per share

• Diluted earnings per share for the first quarter of 2017 were 25 cents, a 4.2 percent increase from the fourth quarter of 2016 and a 13.6 percent increase from the first quarter of 2016. Pre-provision net revenue of $60.9 million was 9.0% higher than the fourth quarter of 2016 and 19.8% higher than the first quarter of 2016.

• Net interest income for the first quarter of 2017 increased $5.3 million, or 4.0 percent, compared to the fourth quarter of 2016 and $8.5 million, or 6.6 percent, compared to first quarter of 2016.

• Net interest margin increased eleven basis points, to 3.26 percent, compared to the fourth quarter of 2016, and increased three basis points compared to the first quarter of 2016.

• Loans at March 31, 2017 increased $263.9 million, or 1.8 percent, compared to December 31, 2016 and $1.1 billion, or 7.9 percent, compared to March 31, 2016. Average loans for the first quarter of 2017 increased 2.6 percent and 7.2 percent, compared to the fourth quarter of 2016 and the first quarter of 2016, respectively.

• Deposits at March 31, 2017 increased $77.5 million, or 0.5 percent, compared to

December 31, 2016 and $686.1 million, or 4.8 percent compared to March 31, 2016. Average deposits for the first quarter of 2017 decreased 1.0 percent compared to the fourth quarter of 2016, and increased 4.8 percent, compared to the first quarter of 2016.

• The provision for credit losses in the first quarter of 2017 was $4.8 million, compared to a $5.0 million provision in the fourth quarter of 2016, and a $1.5 million provision in the first quarter of 2016.

• Non-interest income, excluding investment securities gains, decreased $5.7 million, or 11.1 percent, in comparison to the fourth quarter of 2016, and increased $3.4 million, or 8.0 percent, in comparison to the first quarter of 2016.

• Non-interest expense decreased $5.3 million, or 4.2 percent, compared to the fourth quarter of 2016 and increased $1.9 million, or 1.5 percent, compared to the first quarter of 2016.

(April 18, 2017) - Lancaster, PA - Fulton Financial Corporation (NASDAQ:FULT) reported net income of $43.4 million, or 25 cents per diluted share, for the first quarter of 2017.

"We had a very good first quarter, building off the momentum we saw in our business in 2016,” said E. Philip Wenger, Chairman, President and CEO. “With increased customer confidence and business activity, we remain optimistic about our growth prospects for 2017."

Net Interest Income and Margin

Net interest income for the first quarter of 2017 increased $5.3 million, or 4.0 percent, from the fourth quarter of 2016. Net interest margin increased eleven basis points, or 3.5 percent, to 3.26 percent in the first quarter of 2017, from 3.15 percent in the fourth quarter of 2016. The average yield on interest-earning assets increased twelve basis points, while the average cost of interest-bearing liabilities remained unchanged, during the first quarter of 2017 in comparison to the fourth quarter of 2016.

Average Balance Sheet

Total average assets for the first quarter of 2017 were $19.1 billion, an increase of $300.3 million from the fourth quarter of 2016. Average loans, net of unearned income, increased $381.7 million, or 2.6 percent, in comparison to the fourth quarter of 2016. Average loans and yields, by type, for the first quarter of 2017 in comparison to the fourth quarter of 2016, are summarized in the following table:

	Three Months Ended								Increase (decrease)
	March 31, 2017				December 31, 2016				in Balance
	Balance		Yield (1)		Balance		Yield (1)		$			%
	(dollars in thousands)
Average Loans, net of unearned income, by type:
Real estate - commercial mortgage	$	6,039,140	3.98	%	$	5,828,313	3.90	%	$	210,827		3.6	%
Commercial - industrial, financial, and agricultural	4,205,070		3.89	%	4,081,498		3.74	%	123,572			3.0	%
Real estate - residential mortgage	1,637,669		3.76	%	1,572,895		3.75	%	64,774			4.1	%
Real estate - home equity	1,613,249		4.18	%	1,633,668		4.05	%	(20,419		)	(1.2	)%
Real estate - construction	840,968		3.97	%	845,528		3.78	%	(4,560		)	(0.5	)%
Consumer	284,352		5.26	%	289,864		5.25	%	(5,512		)	(1.9	)%
Leasing and other	237,114		5.08	%	224,050		5.41	%	13,064			5.8	%
Total Average Loans, net of unearned income	$	14,857,562	4.00	%	$	14,475,816	3.90	%	$	381,746		2.6	%
(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.

Total average liabilities increased $292.4 million, or 1.8 percent, from the fourth quarter of 2016, while average deposits decreased $153.3 million, or 1.0 percent. Average deposits and interest rates, by type, for the first quarter of 2017 in comparison to the fourth quarter of 2016, are summarized in the following table:

	Three Months Ended								Increase (decrease)
	March 31, 2017				December 31, 2016				in Balance
	Balance		Rate		Balance		Rate		$			%
	(dollars in thousands)
Average Deposits, by type:
Noninterest-bearing demand	$	4,301,727	—	%	4,331,894		—	%	$	(30,167	)	(0.7	)%
Interest-bearing demand	3,650,931		0.25	%	3,714,391		0.21	%	(63,460		)	(1.7	)%
Savings deposits	4,194,216		0.21	%	4,216,090		0.21	%	(21,874		)	(0.5	)%
Total average demand and savings	12,146,874		0.15	%	12,262,375		0.14	%	(115,501		)	(0.9	)%
Time deposits	2,739,453		1.09	%	2,777,203		1.09	%	(37,750		)	(1.4	)%
Total Average Deposits	$	14,886,327	0.32	%	$	15,039,578	0.31	%	$	(153,251	)	(1.0	)%

Asset Quality

Non-performing assets were $143.4 million, or 0.75 percent of total assets, at March 31, 2017, compared to $144.5 million, or 0.76 percent of total assets, at December 31, 2016 and $148.1 million, or 0.82 percent of total assets, at March 31, 2016.

Annualized net charge-offs for the quarter ended March 31, 2017 were 0.09 percent of total average loans, compared to annualized net recoveries of 0.03 percent for the quarter ended December 31, 2016, and net charge-offs of 0.20 percent for the quarter ended March 31, 2016. The allowance for credit losses as a percentage of non-performing loans was 131.3 percent at March 31, 2017, as compared to 130.2 percent at December 31, 2016 and 121.1 percent at March 31, 2016.

During the first quarter of 2017, the Corporation recorded a $4.8 million provision for credit losses, compared to a $5.0 million provision for credit losses in the fourth quarter of 2016 and a $1.5 million provision in the first quarter of 2016.

Non-interest Income

Non-interest income, excluding investment securities gains, decreased $5.7 million, or 11.1 percent, in comparison to the fourth quarter of 2016. Other service charges and fees decreased $896,000, or 6.7 percent, due to decreases in debit card income and merchant fees. Service charges on deposits decreased $414,000, or 3.2 percent, due to a decrease in overdraft fee income. Mortgage banking income decreased $2.4 million, or 34.0 percent, due primarily to lower servicing income. The driver of this decrease was the $1.7 million adjustment recorded to reduce the valuation allowance for mortgage servicing rights (MSR) in the prior quarter. Other decreases

in non-interest income were driven by decreases in gains from the sale of Small Business Administration loans.

Compared to the first quarter of 2016, non-interest income, excluding investment securities gains, increased $3.4 million, or 8.0 percent, due to increases in commercial loan interest rate swap fees, mortgage banking income, and investment management and trust services income.

Gains on sales of investment securities decreased $419,000 in comparison to the fourth quarter of 2016, and increased $159,000 from the first quarter of 2016.

Non-interest Expense

Non-interest expense decreased $5.3 million, or 4.2 percent, in the first quarter of 2017, compared to the fourth quarter of 2016. Salaries and employee benefits decreased $4.0 million, or 5.5 percent, due primarily to decreases in incentive compensation and two fewer payroll days in the quarter. Other decreases occurred in outside services and losses on the disposal of fixed assets.

Compared to the first quarter of 2016, non-interest expense increased $1.9 million, or 1.5 percent, primarily due to increases in state taxes and amortization of community development investments.

Additional information on Fulton Financial Corporation is available on the Internet at

www.fult.com.

Safe Harbor Statement

This news release may contain forward-looking statements with respect to the

Corporation’s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as "may," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes," "plans," "expects," "future," "intends" and similar expressions which are intended to identify forward-looking statements. These forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond the Corporation's control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements.

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2016, which has been filed with the Securities and Exchange Commission and is available in the Investor Relations section of the Corporation's website (www.fult.com) and on the Securities and Exchange

Commission's website (www.sec.gov). The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Non-GAAP Financial Measures

The Corporation uses certain non-GAAP financial measures in this earnings release. These non-GAAP financial measures are reconciled to the most comparable GAAP measures in tables at the end of this release.

EX-99.2

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
																	% Change from
		Mar 31			Dec 31			Sep 30			Jun 30			Mar 31			Dec 31		Mar 31
		2017			2016			2016			2016			2016			2016		2016
ASSETS
	Cash and due from banks	$	93,844		$	118,763		$	86,497		$	84,647		$	83,479		(21.0	)%	12.4	%
	Other interest-earning assets	350,387			291,252			428,966			408,086			408,060			20.3	%	(14.1	)%
	Loans held for sale	24,783			28,697			27,836			34,330			19,719			(13.6	)%	25.7	%
	Investment securities	2,506,017			2,559,227			2,508,068			2,529,724			2,516,205			(2.1	)%	(0.4	)%
	Loans, net of unearned income	14,963,177			14,699,272			14,391,238			14,155,159			13,870,701			1.8	%	7.9	%
	Allowance for loan losses	(170,076		)	(168,679		)	(162,526		)	(162,546		)	(163,841		)	0.8	%	3.8	%
	Net loans	14,793,101			14,530,593			14,228,712			13,992,613			13,706,860			1.8	%	7.9	%
	Premises and equipment	216,171			217,806			228,009			228,861			228,057			(0.8	)%	(5.2	)%
	Accrued interest receivable	46,355			46,294			43,600			43,316			44,379			0.1	%	4.5	%
	Goodwill and intangible assets	531,556			531,556			531,556			531,556			531,556			—	%	—	%
	Other assets	616,362			620,059			617,818			626,902			583,939			(0.6	)%	5.6	%
	Total Assets	$	19,178,576		$	18,944,247		$	18,701,062		$	18,480,035		$	18,122,254		1.2	%	5.8	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	15,090,344		$	15,012,864		$	14,952,479		$	14,292,564		$	14,404,280		0.5	%	4.8	%
	Short-term borrowings	453,317			541,317			264,042			722,214			352,883			(16.3	)%	28.5	%
	Other liabilities	342,323			339,548			389,819			392,708			326,128			0.8	%	5.0	%
	FHLB advances and long-term debt	1,137,909			929,403			965,286			965,552			965,654			22.4	%	17.8	%
	Total Liabilities	17,023,893			16,823,132			16,571,626			16,373,038			16,048,945			1.2	%	6.1	%
	Shareholders' equity	2,154,683			2,121,115			2,129,436			2,106,997			2,073,309			1.6	%	3.9	%
	Total Liabilities and Shareholders' Equity	$	19,178,576		$	18,944,247		$	18,701,062		$	18,480,035		$	18,122,254		1.2	%	5.8	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	6,118,533		$	6,018,582		$	5,818,915		$	5,635,347		$	5,558,108		1.7	%	10.1	%
	Commercial - industrial, financial and agricultural	4,167,809			4,087,486			4,024,119			4,099,177			4,035,333			2.0	%	3.3	%
	Real estate - residential mortgage	1,665,142			1,601,994			1,542,696			1,447,292			1,377,459			3.9	%	20.9	%
	Real estate - home equity	1,595,901			1,625,115			1,640,421			1,647,319			1,659,481			(1.8	)%	(3.8	)%
	Real estate - construction	882,983			843,649			861,634			853,699			810,872			4.7	%	8.9	%
	Consumer	288,826			291,470			283,673			278,071			263,221			(0.9	)%	9.7	%
	Leasing and other	243,983			230,976			219,780			194,254			166,227			5.6	%	46.8	%
	Total Loans, net of unearned income	$	14,963,177		$	14,699,272		$	14,391,238		$	14,155,159		$	13,870,701		1.8	%	7.9	%
Deposits, by type:
	Noninterest-bearing demand	$	4,417,733		$	4,376,137		$	4,210,099		$	4,125,375		$	4,134,861		1.0	%	6.8	%
	Interest-bearing demand	3,702,663			3,703,712			3,703,048			3,358,536			3,430,206			—	%	7.9	%
	Savings and money market accounts	4,251,574			4,179,773			4,235,015			3,986,008			3,972,199			1.7	%	7.0	%
	Time deposits	2,718,374			2,753,242			2,804,317			2,822,645			2,867,014			(1.3	)%	(5.2	)%
	Total Deposits	$	15,090,344		$	15,012,864		$	14,952,479		$	14,292,564		$	14,404,280		0.5	%	4.8	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	181,170		$	195,734		$	189,727		$	168,521		$	162,431		(7.4	)%	11.5	%
	Customer short-term promissory notes	87,726			67,013			65,871			69,509			76,807			30.9	%	14.2	%
	Short-term FHLB advances	130,000			—			—			35,000			81,000			N/M		60.5	%
	Federal funds purchased	54,421			278,570			8,444			449,184			32,645			(80.5	)%	66.7	%
	Total Short-term Borrowings	$	453,317		$	541,317		$	264,042		$	722,214		$	352,883		(16.3	)%	28.5	%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
in thousands, except per-share data and percentages
		Three Months Ended															% Change from
		Mar 31			Dec 31			Sep 30			Jun 30			Mar 31			Dec 31		Mar 31
		2017			2016			2016			2016			2016			2016		2016
Interest Income:
	Interest income	$	158,487		$	153,012		$	151,468		$	149,309		$	149,311		3.6	%	6.1	%
	Interest expense	20,908			20,775			20,903			20,393			20,257			0.6	%	3.2	%
	Net Interest Income	137,579			132,237			130,565			128,916			129,054			4.0	%	6.6	%
	Provision for credit losses	4,800			5,000			4,141			2,511			1,530			(4.0	)%	213.7	%
	Net Interest Income after Provision	132,779			127,237			126,424			126,405			127,524			4.4	%	4.1	%
Non-Interest Income:
	Other service charges and fees	12,437			13,333			14,407			12,983			10,750			(6.7	)%	15.7	%
	Service charges on deposit accounts	12,400			12,814			13,078			12,896			12,558			(3.2	)%	(1.3	)%
	Investment management and trust services	11,808			11,610			11,425			11,247			10,988			1.7	%	7.5	%
	Mortgage banking income	4,596			6,959			4,529			3,897			4,030			(34.0	)%	14.0	%
	Other	4,326			6,514			4,708			5,038			3,864			(33.6	)%	12.0	%
	Non-Interest Income before Investment Securities Gains	45,567			51,230			48,147			46,061			42,190			(11.1	)%	8.0	%
	Investment securities gains	1,106			1,525			2			76			947			(27.5	)%	16.8	%
	Total Non-Interest Income	46,673			52,755			48,149			46,137			43,137			(11.5	)%	8.2	%
Non-Interest Expense:
	Salaries and employee benefits	69,236			73,256			70,696			70,029			69,372			(5.5	)%	(0.2	)%
	Net occupancy expense	12,663			11,798			11,782			11,811			12,220			7.3	%	3.6	%
	Other outside services	5,546			6,536			5,783			5,508			6,056			(15.1	)%	(8.4	)%
	Software	4,693			4,912			4,117			3,953			3,921			(4.5	)%	19.7	%
	Data processing	4,286			4,530			4,610			5,476			5,400			(5.4	)%	(20.6	)%
	Equipment expense	3,359			3,408			3,137			2,872			3,371			(1.4	)%	(0.4	)%
	Professional fees	2,737			2,783			2,535			3,353			2,333			(1.7	)%	17.3	%
	FDIC insurance expense	2,058			2,067			1,791			2,960			2,949			(0.4	)%	(30.2	)%
	Marketing	1,986			1,730			1,774			1,916			1,624			14.8	%	22.3	%
	Other	15,711			16,601			13,623			13,759			13,167			(5.4	)%	19.3	%
	Total Non-Interest Expense	122,275			127,621			119,848			121,637			120,413			(4.2	)%	1.5	%
	Income Before Income Taxes	57,177			52,371			54,725			50,905			50,248			9.2	%	13.8	%
	Income tax expense	13,797			10,221			13,257			11,155			11,991			35.0	%	15.1	%
	Net Income	$	43,380		$	42,150		$	41,468		$	39,750		$	38,257		2.9	%	13.4	%
PER SHARE:
	Net income:
	Basic	$	0.25		$	0.24		$	0.24		$	0.23		$	0.22		4.2	%	13.6	%
	Diluted	0.25			0.24			0.24			0.23			0.22			4.2	%	13.6	%
	Cash dividends	$	0.11		$	0.12		$	0.10		$	0.10		$	0.09		(8.3	)%	22.2	%
	Shareholders' equity	12.36			12.19			12.30			12.17			11.96			1.4	%	3.3	%
	Shareholders' equity (tangible)	9.31			9.13			9.23			9.10			8.89			2.0	%	4.7	%
	Weighted average shares (basic)	174,150			173,554			173,020			173,394			173,331			0.3	%	0.5	%
	Weighted average shares (diluted)	175,577			174,874			174,064			174,318			174,416			0.4	%	0.7	%
	Shares outstanding, end of period	174,343			174,040			173,144			173,139			173,393			0.2	%	0.5	%
SELECTED FINANCIAL RATIOS:
	Return on average assets	0.92		%	0.89		%	0.89		%	0.88		%	0.86		%
	Return on average shareholders' equity	8.22		%	7.86		%	7.78		%	7.65		%	7.47		%
	Return on average shareholders' equity (tangible)	10.93		%	10.47		%	10.38		%	10.26		%	10.07		%
	Net interest margin	3.26		%	3.15		%	3.14		%	3.20		%	3.23		%
	Efficiency ratio	64.76		%	67.60		%	65.16		%	67.59		%	68.33		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		March 31, 2017								December 31, 2016								March 31, 2016
		Average						Yield/		Average						Yield/		Average						Yield/
		Balance			Interest (1)			Rate		Balance			Interest (1)			Rate		Balance			Interest (1)			Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	14,857,562		$	146,650		4.00%		$	14,475,816		$	141,826		3.90%		$	13,853,420		$	137,895		4.00%
	Taxable investment securities	2,145,656			11,914			2.19%		2,096,086			10,941			2.07%		2,180,593			12,003			2.20%
	Tax-exempt investment securities	403,856			4,383			4.34%		389,047			4,234			4.35%		259,396			3,138			4.84%
	Equity securities	11,740			176			6.08%		13,068			181			5.52%		14,386			218			6.10%
	Total Investment Securities	2,561,252			16,473			2.57%		2,498,201			15,356			2.45%		2,454,375			15,359			2.50%
	Loans held for sale	15,857			187			4.72%		24,411			199			3.26%		12,252			131			4.28%
	Other interest-earning assets	312,295			842			1.08%		411,369			966			0.94%		358,562			898			1.00%
	Total Interest-earning Assets	17,746,966			164,152			3.74%		17,409,797			158,347			3.62%		16,678,609			154,283			3.72%
Noninterest-earning assets:
	Cash and due from banks	116,529								117,741								98,449
	Premises and equipment	217,875								226,482								226,284
	Other assets	1,149,621								1,171,031								1,137,292
	Less: allowance for loan losses	(170,134		)						(164,523		)						(167,372		)
	Total Assets	$	19,060,857							$	18,760,528							$	17,973,262
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,650,931		$	2,239		0.25%		$	3,714,391		$	1,927		0.21%		$	3,438,355		$	1,494		0.17%
	Savings deposits	4,194,216			2,211			0.21%		4,216,090			2,249			0.21%		3,932,824			1,804			0.18%
	Time deposits	2,739,453			7,352			1.09%		2,777,203			7,593			1.09%		2,867,651			7,429			1.04%
	Total Interest-bearing Deposits	10,584,600			11,802			0.45%		10,707,684			11,769			0.44%		10,238,830			10,727			0.42%
	Short-term borrowings	712,497			855			0.48%		308,094			116			0.15%		445,402			268			0.24%
	FHLB advances and long-term debt	990,044			8,252			3.35%		947,661			8,891			3.74%		958,213			9,262			3.88%
	Total Interest-bearing Liabilities	12,287,141			20,909			0.69%		11,963,439			20,776			0.69%		11,642,445			20,257			0.70%
Noninterest-bearing liabilities:
	Demand deposits	4,301,727								4,331,894								3,967,887
	Other	331,442								332,540								304,131
	Total Liabilities	16,920,310								16,627,873								15,914,463
	Shareholders' equity	2,140,547								2,132,655								2,058,799
	Total Liabilities and Shareholders' Equity	$	19,060,857							$	18,760,528							$	17,973,262
	Net interest income/net interest margin (fully taxable equivalent)				143,243			3.26%					137,571			3.15%					134,026			3.23%
	Tax equivalent adjustment				(5,664		)						(5,334		)						(4,972		)
	Net interest income				$	137,579							$	132,237							$	129,054
	(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Three Months Ended														% Change from
		Mar 31			Dec 31			Sep 30		Jun 30			Mar 31			Dec 31		Mar 31
		2017			2016			2016		2016			2016			2016		2016
Loans, by type:
	Real estate - commercial mortgage	$	6,039,140		$	5,828,313		$	5,670,888	$	5,557,680		$	5,487,421		3.6	%	10.1		%
	Commercial - industrial, financial and agricultural	4,205,070			4,081,498			4,066,275		4,080,524			4,095,268			3.0	%	2.7		%
	Real estate - residential mortgage	1,637,669			1,572,895			1,503,209		1,399,851			1,381,409			4.1	%	18.6		%
	Real estate - home equity	1,613,249			1,633,668			1,640,913		1,656,140			1,674,032			(1.2	)%	(3.6		)%
	Real estate - construction	840,968			845,528			837,920		820,881			792,014			(0.5	)%	6.2		%
	Consumer	284,352			289,864			281,517		272,293			263,295			(1.9	)%	8.0		%
	Leasing and other	237,114			224,050			211,528		178,655			159,981			5.8	%	48.2		%
	Total Loans, net of unearned income	$	14,857,562		$	14,475,816		$	14,212,250	$	13,966,024		$	13,853,420		2.6	%	7.2		%
Deposits, by type:
	Noninterest-bearing demand	$	4,301,727		$	4,331,894		$	4,227,639	$	4,077,642		$	3,967,887		(0.7	)%	8.4		%
	Interest-bearing demand	3,650,931			3,714,391			3,602,448		3,454,031			3,438,355			(1.7	)%	6.2		%
	Savings deposits	4,194,216			4,216,090			4,078,942		3,989,988			3,932,824			(0.5	)%	6.6		%
	Time deposits	2,739,453			2,777,203			2,814,258		2,844,434			2,867,651			(1.4	)%	(4.5		)%
	Total Deposits	$	14,886,327		$	15,039,578		$	14,723,287	$	14,366,095		$	14,206,717		(1.0	)%	4.8		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	199,403		$	200,126		$	187,588	$	180,595		$	171,408		(0.4	)%	16.3		%
	Customer short-term promissory notes	79,985			67,355			70,072		77,535			74,013			18.8	%	8.1		%
	Federal funds purchased	308,220			40,613			148,546		138,012			183,970			658.9	%	67.5		%
	Short-term FHLB advances and other borrowings	124,889			—			20,163		7,527			16,011			N/M		680.0		%
	Total Short-term Borrowings	$	712,497		$	308,094		$	426,369	$	403,669		$	445,402		131.3	%	60.0		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended
		Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
		2017			2016			2016			2016			2016
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	171,325		$	165,169		$	165,108		$	166,065		$	171,412
	Loans charged off:
	Commercial - industrial, financial and agricultural	(5,527		)	(1,319		)	(3,144		)	(4,625		)	(6,188		)
	Consumer and home equity	(1,554		)	(2,156		)	(1,394		)	(1,614		)	(2,548		)
	Real estate - commercial mortgage	(1,224		)	(174		)	(1,350		)	(1,474		)	(582		)
	Real estate - construction	(247		)	—			(150		)	(742		)	(326		)
	Real estate - residential mortgage	(216		)	(116		)	(802		)	(340		)	(1,068		)
	Leasing and other	(639		)	(589		)	(832		)	(1,951		)	(443		)
	Total loans charged off	(9,407		)	(4,354		)	(7,672		)	(10,746		)	(11,155		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	4,191			2,192			1,539			2,931			2,319
	Consumer and home equity	373			580			463			889			534
	Real estate - commercial mortgage	450			885			296			1,367			825
	Real estate - construction	548			1,080			898			1,563			383
	Real estate - residential mortgage	230			288			228			420			136
	Leasing and other	137			485			168			108			81
	Recoveries of loans previously charged off	5,929			5,510			3,592			7,278			4,278
Net loans charged off		(3,478		)	1,156			(4,080		)	(3,468		)	(6,877		)
Provision for credit losses		4,800			5,000			4,141			2,511			1,530
Balance at end of period		$	172,647		$	171,325		$	165,169		$	165,108		$	166,065
Net charge-offs to average loans (annualized)		0.09		%	(0.03		)%	0.11		%	0.10		%	0.20		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	117,264		$	120,133		$	124,017		$	111,742		$	122,170
	Loans 90 days past due and accruing	14,268			11,505			14,095			15,992			15,013
	Total non-performing loans	131,532			131,638			138,112			127,734			137,183
	Other real estate owned	11,906			12,815			11,981			11,918			10,946
	Total non-performing assets	$	143,438		$	144,453		$	150,093		$	139,652		$	148,129
NON-PERFORMING LOANS, BY TYPE:
	Commercial - industrial, financial and agricultural	$	43,826		$	43,460		$	47,330		$	38,902		$	39,140
	Real estate - commercial mortgage	36,713			39,319			39,631			35,704			43,132
	Real estate - residential mortgage	23,597			23,655			23,451			25,030			25,182
	Real estate - construction	13,550			9,842			11,223			11,879			12,005
	Consumer and home equity	13,408			15,045			16,426			16,061			16,210
	Leasing	438			317			51			158			1,514
	Total non-performing loans	$	131,532		$	131,638		$	138,112		$	127,734		$	137,183
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	27,033		$	27,617		$	26,854		$	27,324		$	27,565
	Real-estate - commercial mortgage	15,237			15,957			16,085			17,808			17,427
	Consumer and home equity	9,638			8,633			7,707			7,191			6,562
	Commercial - industrial, financial and agricultural	7,441			6,627			7,488			5,756			5,650
	Real estate - construction	273			726			843			3,086			3,092
	Total accruing TDRs	$	59,622		$	59,560		$	58,977		$	61,165		$	60,296
	Non-accrual TDRs (1)	27,220			27,850			27,904			24,887			27,277
	Total TDRs	$	86,842		$	87,410		$	86,881		$	86,052		$	87,573
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:		Total Delinquency %
		Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
		2017		2016		2016		2016		2016
	Real estate - commercial mortgage	0.78	%	0.78	%	0.87	%	0.81	%	0.93	%
	Commercial - industrial, financial and agricultural	1.25	%	1.31	%	1.48	%	1.25	%	1.46	%
	Real estate - construction	1.99	%	1.29	%	1.61	%	1.93	%	2.00	%
	Real estate - residential mortgage	2.44	%	2.74	%	2.67	%	2.70	%	3.10	%
	Consumer, home equity, leasing and other	1.22	%	1.45	%	1.53	%	1.47	%	1.48	%
	Total	1.23	%	1.27	%	1.38	%	1.30	%	1.44	%
ASSET QUALITY RATIOS:
		Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
		2017		2016		2016		2016		2016
	Non-accrual loans to total loans	0.78	%	0.82	%	0.86	%	0.79	%	0.88	%
	Non-performing loans to total loans	0.88	%	0.90	%	0.96	%	0.90	%	0.99	%
	Non-performing assets to total loans and OREO	0.96	%	0.98	%	1.04	%	0.99	%	1.07	%
	Non-performing assets to total assets	0.75	%	0.76	%	0.80	%	0.76	%	0.82	%
	Allowance for credit losses to loans outstanding	1.15	%	1.17	%	1.15	%	1.17	%	1.20	%
	Allowance for credit losses to non-performing loans	131.26	%	130.15	%	119.59	%	129.26	%	121.05	%
	Non-performing assets to tangible common shareholders' equity and allowance for credit losses	7.99	%	8.20	%	8.51	%	8.02	%	8.67	%

FULTON FINANCIAL CORPORATION
RECONCILIATION OF GAAP TO NON-GAAP MEASURES (UNAUDITED)
in thousands, except per share data and percentages
Explanatory note:	This press release contains supplemental financial information, as detailed below, which has been derived by methods other than Generally Accepted Accounting Principles ("GAAP"). The Corporation has presented these non-GAAP financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations. Presentation of these non-GAAP financial measures is consistent with how the Corporation evaluates its performance internally and these non-GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Corporation's industry. Management believes that these non-GAAP financial measures, in addition to GAAP measures, are also useful to investors to evaluate the Corporation's results. Investors should recognize that the Corporation's presentation of these non-GAAP financial measures might not be comparable to similarly-titled measures of other companies. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures, and the Corporation strongly encourages a review of its condensed consolidated financial statements in their entirety. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP measure follow:
		Three Months Ended
		Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
		2017			2016			2016			2016			2016
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,154,683		$	2,121,115		$	2,129,436		$	2,106,997		$	2,073,309
Less: Goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Tangible shareholders' equity (numerator)		$	1,623,127		$	1,589,559		$	1,597,880		$	1,575,441		$	1,541,753
Shares outstanding, end of period (denominator)		174,343			174,040			173,144			173,139			173,393
Shareholders' equity (tangible), per share		$	9.31		$	9.13		$	9.23		$	9.10		$	8.89
Return on average shareholders' equity (tangible)
Net income - Numerator		$	43,380		$	42,150		$	41,468		$	39,750		$	38,257
Average shareholders' equity		$	2,140,547		$	2,132,655		$	2,120,596		$	2,089,915		$	2,058,799
Less: Average goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Average tangible shareholders' equity (denominator)		$	1,608,991		$	1,601,099		$	1,589,040		$	1,558,359		$	1,527,243
Return on average shareholders' equity (tangible), annualized		10.93		%	10.47		%	10.38		%	10.26		%	10.07		%
Efficiency ratio
Non-interest expense - Numerator		$	122,275		$	127,621		$	119,848		$	121,637		$	120,413
Net interest income (fully taxable equivalent)		$	143,243		$	137,571		$	135,784		$	133,890		$	134,026
Plus: Total Non-interest income		46,673			52,755			48,149			46,137			43,137
Less: Investment securities gains		(1,106		)	(1,525		)	(2		)	(76		)	(947		)
Denominator		$	188,810		$	188,801		$	183,931		$	179,951		$	176,216
Efficiency ratio		64.76		%	67.60		%	65.16		%	67.59		%	68.33		%
Non-performing assets to tangible shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	143,438		$	144,453		$	150,093		$	139,652		$	148,129
Tangible shareholders' equity		$	1,623,127		$	1,589,559		1,597,880			1,575,441			$	1,541,753
Plus: Allowance for credit losses		172,647			171,325			165,169			165,108			166,065
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,795,774		$	1,760,884		$	1,763,049		$	1,740,549		$	1,707,818
Non-performing assets to tangible shareholders' equity and allowance for credit losses		7.99		%	8.20		%	8.51		%	8.02		%	8.67		%
Pre-provision net revenue
Net interest income		$	137,579		$	132,237		$	130,565		$	128,916		$	129,054
Non-interest income		46,673			52,755			48,149			46,137			43,137
Less: Investment securities gains		(1,106		)	(1,525		)	(2		)	(76		)	(947		)
Total revenue		$	183,146		$	183,467		$	178,712		$	174,977		$	171,244
Total non-interest expense		$	122,275		$	127,621		$	119,848		$	121,637		$	120,413
Pre-provision net revenue		$	60,871		$	55,846		$	58,864		$	53,340		$	50,831

EX-99.3

D A T A A S O F M A R C H 3 1 , 2 0 1 7 U N L E S S O T H E R W I S E N O T E D 2017 FIRST QUARTER RESULTS NASDAQ: FULT

FORWARD-LOOKING STATEMENTS This presentation may contain forward-looking statements with respect to Fulton Financial Corporation’s financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as “may,” “should,” “will,” “could,” “estimates,” “predicts,” “potential,” “continue,” “anticipates,” “believes,” “plans,” “expects,” “future,” “intends” and similar expressions which are intended to identify forward-looking statements. Management’s “2017 Outlook” contained herein is comprised of forward-looking statements. Forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond the Corporation’s control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements. The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation’s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2016, which has been filed with the Securities and Exchange Commission and is available in the Investor Relations section of the Corporation’s website (www.fult.com) and on the Securities and Exchange Commission’s website (www.sec.gov). The Corporation uses certain non-GAAP financial measures in this presentation. These non-GAAP financial measures are reconciled to the most comparable GAAP measures at the end of this presentation. 2

FIRST QUARTER HIGHLIGHTS Diluted Earnings Per Share: $0.25 in 1Q17, 4.2% increase from 4Q16 and 13.6% increase from 1Q16 Pre-Provision Net Revenue(1): $60.9 million, 9.0% increase from 4Q16 and 19.8% increase from 1Q16 Linked Quarter Loan and Core Deposit Growth: 2.6% increase in average loans, while average core deposits decreased 0.9% Net Interest Income & Margin: Net interest income increased 4.0%, reflecting the impact of loan growth and an 11 basis point increase in net interest margin Non-Interest Income(2) & Non-Interest Expense: 11.1% decrease in non-interest income and 4.2% decrease in non-interest expense Asset Quality: $200,000 decrease in provision for credit losses. Overall credit metrics stable to improving. Year-over-Year Loan and Core Deposit Growth: 7.2% increase in average loans and 7.1% increase in average core deposits Net Interest Income & Margin: 6.6% increase in net interest income, reflecting the impact of loan growth and a 3 basis point increase in net interest margin Non-Interest Income(2) & Non-Interest Expense: 8.0% increase in non-interest income and 1.5% increase in non-interest expense Asset Quality: $3.3 million increase in provision for credit losses, reflective of loan growth 3 (1) Non-GAAP based financial measure. Please refer to the calculation and management’s reason for using the measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. (2) Excluding securities gains.

INCOME STATEMENT SUMMARY  Net Income of $43.4 million; a 2.9% increase from 4Q16 and a 13.4% increase from 1Q16. Earnings per share increased 4.2% from 4Q16 and 13.6% from 1Q16.  Net Interest Income  From 4Q16: Increase of 4.0%, reflecting the impact of loan growth and an 11 basis point increase in net interest margin (NIM)  From 1Q16: Increase of 6.6% primarily driven by loan growth and the impact of a 3 basis point increase in NIM  Loan Loss Provision $4.8 million provision in 1Q17  Non-Interest Income  From 4Q16: Decrease of 11.1% driven primarily by lower mortgage banking income, SBA loan sale gains, debit card and merchant fee income and gains on property sales  From 1Q16: Increase of 8.0% due to higher commercial loan interest rate swap fees, mortgage banking income, and investment management and trust services income  Non-Interest Expenses  From 4Q16: Decrease of 4.2% due to lower salaries and employee benefits, property write-offs in 4Q16 and reduction of other outside services  From 1Q16: Increase of 1.5% primarily driven by an increase in state taxes and amortization of community development investments 4 (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets. (2) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. 1Q17 4Q16 1Q16 Net Interest Income 137,579$ 5,342$ 8,525$ Provision for Credit Losses 4,800 (200) 3,270 Non-Interest Income 45,567 (5,663) 3,377 Securities Gains 1,106 (419) 159 Non-Interest Expense 122,275 (5,346) 1,862 Income before Income Taxes 57,177 4,806 6,929 Income Taxes 13,797 3,576 1,806 Net Income 43,380$ 1,230$ 5,123$ Earnings Per Share (Diluted) 0.25$ 0.01$ 0.03$ ROA (1) 0.92% 0.03% 0.06% ROE (tangible) (2) 10.93% 0.46% 0.86% Efficiency ratio (2) 64.8% (2.8%) (3.6%) (dollars in thousands, except per-share data) Change from

NET INTEREST INCOME AND MARGIN Net Interest Income & Net Interest Margin ~ $730 million ~ $610 million $129.1 $128.9 $130.6 $132.2 $137.6 3.23% 3.20% 3.14% 3.15% 3.26% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% $- $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 $160.0 1Q16 2Q16 3Q16 4Q16 1Q17 Ne t Interest Income Ne t Interest Margin (Full y-taxable equivale nt bas is, or FTE) Average Interest-Earning Assets & Yields Average Liabilities & Rates $2.8 $2.8 $3.0 $2.9 $3.0 $13.9 $14.0 $14.2 $14.5 $14.9 3.72% 3.69% 3.63% 3.62% 3.74% 0.00% 2.00% 4.00% $- $5.0 $10.0 $15.0 $20.0 1Q16 2Q16 3Q16 4Q16 1Q17 Securities & Other Loans Earning Asset Yield (FTE) $14.2 $14.4 $14.7 $15.0 $14.9 $1.4 $1.4 $1.4 $1.3 $1.4 0.70% 0.70% 0.70% 0.69% 0.69% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% $- $5.0 $10.0 $15.0 $20.0 1Q16 2Q16 3Q16 4Q16 1Q17 Deposits Borrowings Cost of Interest-bearing Liabilities ($ IN MILLIONS) ($ IN BILLIONS) ($ IN BILLIONS) 5

ASSET QUALITY ($ IN MILLIONS) 6 Provision for Credit Losses Non-Performing Loans (NPLs) & NPLs to Loans 121.05% 129.26% 119.59% 130.15% 131.26% 1.20% 1.17% 1.15% 1.17% 1.15% 0.00% 1.00% 2.00% 3.00% 0.0% 25.0% 50.0% 75.0% 100.0% 125.0% 150.0% 1Q16 2Q16 3Q16 4Q16 1Q17 Allowance/NPLs Allowance/Loans Net Charge-offs (NCOs) and NCOs to Average Loans Allowance for Credit Losses (Allowance) to NPLs & Loans $6.9 $3.5 $4.1 $(1.2) $3.5 0.20% 0.10% 0.11% -0.03% 0.09% -0.10% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% $(2.0) $- $2.0 $4.0 $6.0 $8.0 1Q16 2Q16 3Q16 4Q16 1Q17 NCOs NCOs/Average Loans (annualized) $1.5 $2.5 $4.1 $5.0 $4.8 $- $1. $2.0 $3.0 $4.0 $5.0 $6.0 1Q16 2Q16 3Q16 4Q16 1Q17 $137.2 $127.7 $138.1 $131.6 $131.5 0.99% 0.90% 0.96% 0.90% 0.88% 0.00% 0.50% 1.00 1.50% 2.00% $0.0 $40.0 $80.0 $120.0 $160.0 1Q 6 2Q16 3Q16 4Q16 1Q17 NPL NPLs/Loans

NON-INTEREST INCOME – QUARTER COMPARISON ($ IN MILLIONS) Non-Interest Income, Excluding Securities Gains ~ $730 million ~ $610 million $42.2 $46.1 $48.1 $51.2 $45.6 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 1Q16 2Q16 3Q16 4Q16 1Q17 Mortgage Banking Income & Spreads Other Non-Interest Income 1.28% 1.71% 1.73% 1.94% 1.62% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% $(1.0) $- $1.0 $2.0 $3.0 $4.0 $5.0 $6.0 $7.0 $8.0 1Q16 2Q16(2) 3Q16(2) 4Q16(2) 1Q17 Gains on Sales Servicing Income Spread on Sales (1) $4.0 $3.9 $4.5 $7.0 $4.6 $- $10.0 $20.0 $30.0 $40.0 $50.0 1Q16 2Q16 3Q16 4Q16 1Q17 Invt Mgmt & Trust Srvs Deposit Srv Chgs Oth Srv Chgs Other $38.2 $42.2 $43.6 $44.2 $41.0 (1) Represents Gains on Sales divided by total new commitments to originate residential mortgage loans for customers. (2) Servicing income includes $1.7 and $1.3 million Mortgage Servicing Rights (MSR) impairment charges in 2Q16 and 3Q16, respectively, and a $1.7 million recovery in 4Q16. 7

NON-INTEREST EXPENSES – QUARTER COMPARISON ($ IN MILLIONS) Non-Interest Expense & Efficiency Ratio (1) ~ $730 million ~ $610 million $120.4 $121.6 $119.8 $127.6 $122.3 68.3% 67.6% 65.2% 67.6% 64.8% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% $- $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 1Q16 2Q16 3Q16 4Q16 1Q17 Salaries and Employee Benefits & Staffing Other Non-Interest Expenses 3,480 3,520 - 2,000 4,000 6,000 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 $80.0 1Q16 2Q16 3Q16 4Q16 1Q17 To tal Salaries Emp lo yee Be nefits Avera ge Fu ll-time E quivalent Emp lo yees $69.4 $70.0 $70.7 $73.3 $69.2 $- $10.0 $20.0 $30.0 $40.0 $5 .0 $60.0 1Q16 2Q16 3Q16 4Q16 1Q17 Occp & Equip Data Processing & Software Outside Srvs Other $51.0 $51.6 $49.1 $54.4 $53.0 (1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non- GAAP Reconciliation” at the end of this presentation. 8

PROFITABILITY & CAPITAL 9 ROA(1) ROE (tangible)(2) Tangible Common Equity Ratio(2) Diluted Earnings Per Common Share 10.07% 10.26% 10.38% 10.47% 10.93% 0.00% 4.00% 8.00% 12.00% 1Q16 2Q16 3Q16 4Q16 1Q17 0.86% 0.88% 0.89% 0.89% 0.92% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1Q16 2Q16 3Q16 4Q16 1Q17 (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets (2) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. 8.8% 8.8% 8.8% 8.6% 8.7% 0.0% 4. 8. 12.0 1Q16 2Q16 3Q16 4Q16 1Q17 $0.22 $0.23 $0.24 $0.24 $0.25 $- $0.05 $0.10 $ .15 $0.20 $0.25 $0.30 1Q16 2Q16 3Q16 4Q16 1Q17

2017 OUTLOOK The following outlook remains unchanged from prior quarter: • Loans & Deposits: Annual average growth rate in the mid- to high-single digits • Asset Quality: Provision driven primarily by loan growth • Non-Interest Income (Excluding Securities Gains): Mid- to high-single digit growth rate • Non-Interest Expense: Low- to mid-single digit growth rate • Capital: Focus on utilizing capital to support growth and provide appropriate returns to our shareholders The following outlook has been updated: • Net Interest Margin • Original: Modest improvement (flat to 5 basis points) on a quarterly basis in Q1 and Q2; Q3 and Q4 margin trends will be largely dependent upon changes in the federal funds rate and competitor actions. • Updated: Modest improvement in Q2 (2 to 7 basis points); quarterly improvement of 3 to 9 basis points during Q3 and Q4, with variability within that range based on further changes in the federal funds rate and competitive pressure on deposit pricing. 10

NON-GAAP RECONCILIATION Note: The Corporation has presented the following non-GAAP (Generally Accepted Accounting Principles) financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations and financial condition. Presentation of these non-GAAP financial measures is consistent with how the Corporation evaluates its performance internally and these non- GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Corporation's industry. Investors should recognize that the Corporation's presentation of these non-GAAP financial measures might not be comparable to similarly-titled measures of other companies. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures and the Corporation strongly encourages a review of its condensed consolidated financial statements in their entirety. 11 Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2016 2016 2016 2016 2017 Efficiency ratio Non-interest expense - Numerator 120,413$ 121,637$ 119,848$ 127,621$ 122,275$ Net interest income (fully taxable equivalent) 134,026$ 133,890$ 135,784$ 137,571$ 143,243$ Plus: Total Non-interest income 43,137 46,137 48,149 52,755 46,673 Less: Investment securities gains (947) (76) (2) (1,525) (1,106) Denominator 176,216$ 179,951$ 183,931$ 188,801$ 188,810$ Efficiency ratio 68.3% 67.6% 65.2% 67.6% 64.8% Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2016 2016 2016 2016 2017 Re r verage Shareholders' Equity (ROE) (Tangible) Net inc me - Numerator 38,257$ 39,750$ 41,468$ 42,150$ 43,380$ Average shareholders' equity 2,058,799$ 2,089,915$ 2,120,596$ 2,132,655$ 2,140,547$ Less: Average goodwill and intangible assets (531,556) (531,556) (531,556) (531,556) (531,556) Average tangible shareholders' equity (denominator) 1,527,243$ 1,558,359$ 1,589,040$ 1,601,099$ 1,608,991$ Return on average shareholders' equity (tangible), annualized 10.07% 10.26% 10.38% 10.47% 10.93% Three Months Ended Three Months Ended (dollars in thousands) (dollars in thousands)

NON-GAAP RECONCILIATION (CON’T) 12 Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2016 2016 2016 2016 2017 Tangible Common Equity to Tangible Assets (TCE Ratio) Shareholders' equity 2,073,309$ 2,106,997$ 2,129,436$ 2,121,115$ 2,154,683$ Less: Intangible assets (531,556) (531,556) (531,556) (531,556) (531,556) Tangible shareholders' equity (numerator) 1,541,753$ 1,575,441$ 1,597,880$ 1,589,559$ 1,623,127$ Total assets 18,122,254$ 18,480,035$ 18,701,062$ 18,944,247$ 19,178,651$ Less: Intangible assets (531,556) (531,556) (531,556) (531,556) (531,556) Total tangible assets (denominator) 17,590,698$ 17,948,479$ 18,169,506$ 18,412,691$ 18,647,095$ Tangible Common Equity to Tangible Assets 8.8% 8.8% 8.8% 8.6% 8.7% Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2016 2016 2016 2016 2017 Pre-Provision Net Revenue Net interest income 129,054$ 128,916$ 130,565$ 132,237$ 137,579$ Non-interest income 43,137 46,137 48,149 52,755 46,673 Less: Investment securities gains (947) (76) (2) (1,525) (1,106) Total Revenue 171,244 174,977 178,712 183,467 183,146 Total Non-interest expense 120,413 121,637 119,848 127,621 122,275 Pre-Provision Net Revenue 50,831$ 53,340$ 58,864$ 55,846$ 60,871$ Three Months Ended (dollars in thousands) (in thousands)

www.fult.com