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): January 15, 2019

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 January 15, 2019, Fulton Financial Corporation (“Fulton”) issued a press release (the “Press Release”) announcing its results of operations for the fourth quarter and year ended December 31, 2018. 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, January 16, 2019 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.

Item 8.01 - Other Events

Fulton today announced that Fulton’s banking subsidiary, The Columbia Bank, has been informed by the Commissioner of Financial Regulation for the State of Maryland and the Federal Deposit Insurance Corporation that the Consent Orders those agencies issued on December 23 and December 24, 2014, respectively, to The Columbia Bank have been terminated. These orders were originally issued for deficiencies in the Bank Secrecy Act and Anti-Money Laundering (“BSA/AML”) compliance program at that bank. These terminations follow the earlier terminations in 2017 and 2018 of similar orders issued to four of Fulton’s other banking subsidiaries. Only Fulton and its banking subsidiary, Lafayette Ambassador Bank, remain subject to a consent order relating to the BSA/AML compliance program.

The press release issued by Fulton containing the announcement is attached hereto as Exhibit 99.4 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," “projects,” the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, Fulton’s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in Fulton’s business or financial results.

Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of Fulton’s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of Fulton’s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. 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.

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, 2017 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2018, June 30, 2018 and September 30, 2018, which have

been filed with the Securities and Exchange Commission and are 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).

Item 9.01 Financial Statements And Exhibits

(d)Exhibits.

Exhibit No.	Description
99.1	Press Release dated January 15, 2019.
99.2	Supplemental financial information for the quarter and year ended December 31, 2018.
99.3	Presentation materials to be discussed during the conference call and webcast on January 16, 2019.
99.4	Press Release dated January 15, 2019.

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: January 15, 2019	FULTON FINANCIAL CORPORATION
	By: /s/ Mark R. McCollom
	Mark R. McCollom
	Senior Executive Vice President and
	Chief Financial Officer

EX-99.1

Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Laura Wakeley (717) 291-2616

Investor Contact: Jason Weber (717) 327-2394

Fulton Financial reports Fourth Quarter and 2018 Results

(January 15, 2019) - Lancaster, PA - Fulton Financial Corporation (NASDAQ:FULT) (the “Corporation”) reported net income of $58.1 million, or $0.33 per diluted share, for the fourth quarter of 2018, and net income of $208.4 million, or $1.18 per diluted share, for 2018.

"Overall, 2018 was another good year for Fulton as we continued to execute on our growth strategies and benefited from multiple interest rate hikes from the Federal Reserve which translated into record levels of revenue and earnings,” said E. Philip Wenger, Chairman and CEO. “I’m extremely proud of our team’s hard work this year, and continued focus on driving shareholder value. We look forward to 2019 and believe we are well-positioned for an even better year.”

Net Interest Income and Margin

Net interest income for the fourth quarter of 2018 increased $2.8 million, or 1.8%, from the third quarter of 2018 and net interest margin increased two basis points, to 3.44%. The average yield on interest-earning assets and the average cost of interest-bearing liabilities each increased nine basis points. The nine basis point increase in the average yield on interest-earning assets was primarily due to a ten basis point increase in loan yields. The nine basis point increase in the average cost of interest-bearing liabilities reflected an 11 basis point increase in the cost of interest-bearing deposits.

For the year ended December 31, 2018, net interest income increased $55.1 million, or 9.6%, from 2017. Net interest margin increased 12 basis points, to 3.40%. The average yield on interest-earning assets increased 29 basis points and the average cost of interest-bearing liabilities increased 22 basis points from 2017.

Balance Sheet

Total average assets for the fourth quarter of 2018 were $20.5 billion, an increase of $238.9 million from the third quarter of 2018. Average loans, net of unearned income, increased $103.5 million, or 0.7%, in comparison to the third quarter of 2018. Average loans and yields, by type, for the fourth quarter of 2018 in comparison to the third quarter of 2018 are summarized in the following table:

	Three Months Ended
	December 31, 2018				September 30, 2018				Growth
	Balance		Yield (1)		Balance		Yield (1)		$			%
	(dollars in thousands)
Average Loans, net of unearned income, by type:
Real estate - commercial mortgage	$	6,343,024	4.57	%	$	6,309,663	4.46	%	$	33,361		0.5	%
Commercial - industrial, financial, and agricultural	4,329,937		4.51	%	4,304,320		4.36	%	25,617			0.6	%
Real estate - residential mortgage	2,209,993		4.01	%	2,142,977		3.96	%	67,016			3.1	%
Real estate - home equity	1,459,647		5.19	%	1,474,011		4.99	%	(14,364		)	(1.0	)%
Real estate - construction	931,724		4.63	%	969,575		4.58	%	(37,851		)	(3.9	)%
Consumer	406,436		4.57	%	375,656		4.50	%	30,780			8.2	%
Leasing	274,134		4.63	%	276,456		4.66	%	(2,322		)	(0.8	)%
Other	10,742		N/A		9,485		N/A		1,257			13.3	%
Total Average Loans, net of unearned income	$	15,965,637	4.54	%	$	15,862,143	4.44	%	$	103,494		0.7	%
(1) Presented on a tax-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.
N/A - Not applicable

For the year ended December 31, 2018, average loans increased $578.7 million, or 3.8%, compared to 2017. Ending loans at December 31, 2018 increased $240.7 million, or 1.5%, compared to September 30, 2018 and increased $397.6 million, or 2.5%, compared to December 31, 2017.

Total average liabilities increased $226.3 million, or 1.3%, from the third quarter of 2018, while average deposits increased $445.8 million, or 2.8%. Average deposits and interest rates, by type, for the fourth quarter of 2018 in comparison to the third quarter of 2018 are summarized in the following table:

	Three Months Ended
	December 31, 2018				September 30, 2018				Growth
	Balance		Rate		Balance		Rate		$		%
	(dollars in thousands)
Average Deposits, by type:
Noninterest-bearing demand	$	4,321,776	—	%	$	4,298,020	—	%	$	23,756	0.6	%
Interest-bearing demand	4,225,157		0.70	%	4,116,051		0.61	%	109,106		2.7	%
Savings and money market deposits	4,979,712		0.78	%	4,718,148		0.64	%	261,564		5.5	%
Total average demand and savings	13,526,645		0.50	%	13,132,219		0.42	%	394,426		3.0	%
Brokered deposits	164,280		2.34	%	162,467		2.05	%	$	1,813	1.1	%
Time deposits	2,722,141		1.46	%	2,672,548		1.34	%	49,593		1.9	%
Total Average Deposits	$	16,413,066	0.68	%	$	15,967,234	0.59	%	$	445,832	2.8	%

For the year ended December 31, 2018, average deposits increased $351.4 million, or 2.3%, compared to 2017.Ending deposits at December 31, 2018 increased $127.1 million, or 0.8%, compared to September 30, 2018 and increased $578.6 million, or 3.7%, compared to December 31, 2017.

Asset Quality

Non-performing assets were $150.2 million, or 0.73% of total assets, at December 31, 2018, compared to $130.8 million, or 0.64% of total assets, at September 30, 2018 and $144.6 million, or 0.72% of total assets, at December 31, 2017.

Annualized net charge-offs for the quarter ended December 31, 2018 were 0.17% of total average loans compared to 0.08% for the quarter ended September 30, 2018. The allowance for credit losses as a percentage of non-performing loans was 121% at December 31, 2018, as compared to 140% at September 30, 2018 and 131% at December 31, 2017.

During the fourth quarter of 2018, the Corporation recorded an $8.2 million provision for credit losses, compared to a $1.6 million provision for credit losses in the third quarter of 2018. For the year ended December 31, 2018, the provision for credit losses was $46.9 million, an increase of $23.6 million from 2017.

The increases in non-performing loans and the provision for credit losses during the fourth quarter of 2018 were primarily the result of a single relationship, including commercial loans and leases.

Non-interest Income

Non-interest income in the fourth quarter of 2018, excluding investment securities gains, decreased $1.5 million, or 2.9%, in comparison to the third quarter of 2018. This decline was due primarily to decreases in commercial loan interest rate swap fees and merchant fees. The decline

was partially offset by gains in investment management and trust services income and small business administration (SBA) lending income.

For the year ended December 31, 2018, non-interest income, excluding investment securities gains, decreased $3.4 million, or 1.7%, primarily due to a $5.1 million net gain recognized upon the settlement of litigation in 2017 and decreases in commercial loan interest rate swap fees, overdraft fees, SBA lending income and mortgage banking income, which included a $1.3 million mortgage servicing rights valuation allowance reversal in 2017. Partially offsetting these decreases were increases in investment management and trust services income, merchant fees, and credit and debit card income.

Non-interest Expense

Non-interest expense increased $5.3 million, or 3.9%, in the fourth quarter of 2018, compared to the third quarter of 2018. Amortization of tax credit investments increased $4.9 million, due to the amortization of a tax credit investment that generated a corresponding credit to income taxes in the quarter. The $2.4 million increase in other expenses, due primarily to branch consolidation costs and other real estate owned expense, was partially offset by a decrease in marketing expense.

For the year ended December 31, 2018, non-interest expense increased $20.5 million, or 3.9%, compared to 2017.This increase was primarily due to increases in salaries and employee benefits, other outside services, data processing and software, net occupancy expense and professional fees.

Income Tax Expense

The effective income tax rate for the fourth quarter of 2018 was 8.6%, as compared to 11.5% for the third quarter of 2018. The decrease in the effective income tax rate resulted mainly from the aforementioned tax credit and lower income before income taxes.

The effective income tax rate for the year ended December 31, 2018 was 10.5% compared to 26.7% in 2017, due primarily to the new federal corporate income tax rate, which became effective January 1, 2018.

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," “projects,” the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, the Corporation’s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation’s business or financial results.

Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of the Corporation’s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements related to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. 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, 2017 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2018, June 30, 2018 and September 30, 2018, which have been filed with the Securities and Exchange Commission and are 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).

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

FULTON FINANCIAL CORPORATION
SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)
dollars in thousands, except per-share data and percentages
	Three Months Ended
	Dec 31			Sep 30			Jun 30			Mar 31			Dec 31
	2018			2018			2018			2018			2017
Ending Balances
Investments	$	2,686,973		$	2,635,413		$	2,593,283		$	2,592,823		$	2,547,956
Loans, net of unearned income	16,165,800			15,925,093			15,792,969			15,696,284			15,768,247
Total assets	20,682,152			20,364,810			20,172,539			19,948,941			20,036,905
Deposits	16,376,159			16,249,014			15,599,799			15,477,103			15,797,532
Shareholders' equity	2,247,573			2,283,014			2,245,785			2,235,493			2,229,857
Average Balances
Investments	$	2,646,266		$	2,596,414		$	2,601,705		$	2,556,986		$	2,566,337
Loans, net of unearned income	15,965,637			15,862,143			15,768,377			15,661,032			15,560,185
Total assets	20,512,130			20,273,232			20,063,375			19,876,093			20,072,579
Deposits	16,413,066			15,967,234			15,517,424			15,420,312			16,056,789
Shareholders' equity	2,281,669			2,269,093			2,246,904			2,224,615			2,237,031
Income Statement
Net interest income	$	162,944		$	160,127		$	156,067		$	151,318		$	149,413
Provision for credit losses	8,200			1,620			33,117			3,970			6,730
Non-interest income	49,523			51,033			49,094			45,875			56,956
Non-interest expense	140,685			135,413			133,345			136,661			138,452
Income before taxes	63,582			74,127			38,699			56,562			61,187
Net income	58,083			65,633			35,197			49,480			34,001
Pre-provision net revenue(1)	78,320			77,370			73,449			62,150			69,361
Per Share
Net income (basic)	$	0.33		$	0.37		$	0.20		$	0.28		$	0.19
Net income (diluted)	0.33			0.37			0.20			0.28			0.19
Cash dividends	0.16			0.12			0.12			0.12			0.14
Tangible common equity(1)	10.08			9.95			9.75			9.71			9.70
Weighted average shares (basic)	174,571			175,942			175,764			175,303			175,132
Weighted average shares (diluted)	175,473			177,128			176,844			176,568			176,374
Asset Quality
Net charge-offs to average loans (annualized)	0.17%			0.08%			1.01%			0.10%			0.14		%
Non-performing loans to total loans	0.86%			0.75%			0.78%			0.86%			0.85		%
Non-performing assets to total assets	0.73%			0.64%			0.67%			0.73%			0.72		%
Allowance for credit losses to loans outstanding	1.05%			1.05%			1.07%			1.12%			1.12		%
Allowance for loan losses to loans outstanding	0.99		%	0.99		%	0.99		%	1.04		%	1.08		%
Allowance for credit losses to non-performing loans	121.29%			139.74%			136.77%			130.73%			130.67		%
Allowance for loan losses to non-performing loans	114.93%			131.40%			126.11%			121.22%			126.08		%
Non-performing assets to tangible shareholders' equity      and allowance for credit losses(1)	7.97%			6.81%			7.16%			7.73%			7.71		%
Total delinquency rate	1.08		%	1.15		%	1.18		%	1.19		%	1.24		%

Profitability
Return on average assets	1.12	%	1.28	%	0.70	%	1.01	%	0.67		%
Return on average shareholders' equity	10.10%		11.48%		6.28%		9.02%		6.03		%
Return on average shareholders' equity (tangible)(1)	13.17%		14.99%		8.23%		11.85%		7.91		%
Net interest margin	3.44	%	3.42	%	3.39	%	3.35	%	3.29		%
Efficiency ratio(1)	62.2	%	62.5	%	63.3	%	67.5	%	64.2		%
Capital Ratios
Tangible common equity ratio(1)	8.52	%	8.83	%	8.73	%	8.78	%	8.71		%
Tier 1 leverage ratio(2)	8.92%		9.34%		9.20%		9.20%		8.93		%
Common equity Tier 1 capital ratio(2)	10.24	%	10.80	%	10.60	%	10.70	%	10.38		%
Tier 1 capital ratio(2)	10.24	%	10.80	%	10.60	%	10.70%		10.38		%
Total risk-based capital ratio(2)	12.74	%	13.34	%	13.20	%	13.30%		13.02		%
Financial information, as adjusted(3)
Net income									$	49,635
Net income per share, diluted									$	0.28
Return on average assets									0.98		%
Return on average shareholders' equity									8.80		%
Return on average shareholders' equity (tangible)									11.55		%
(1) Please refer to the calculation on the page titled “Reconciliation of Non-GAAP Measures” at the end of this document.
(2) Regulatory capital ratios as of December 31, 2018 are preliminary and prior periods are actual.
(3)Excluding the re-measurement of net deferred tax assets of $15.6 million, which is considered a Non-GAAP financial measure. Please refer to the calculation and management’s reasons for using this measure on the page titled “Reconciliation of Non-GAAP Measures" at the end of this document.

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
																	% Change from
		December 31			September 30			June 30			March 31			December 31			September 30		December 31
		2018			2018			2018			2018			2017			2018		2017
ASSETS
	Cash and due from banks	$	103,436		$	90,361		$	99,742		$	100,151		$	108,291		14.5	%	(4.5	)%
	Other interest-earning assets	421,534			388,256			364,802			267,806			354,566			8.6	%	18.9	%
	Loans held for sale	27,099			27,525			35,898			23,450			31,530			(1.5	)%	(14.1	)%
	Investment securities	2,686,973			2,635,413			2,593,283			2,592,823			2,547,956			2.0	%	5.5	%
	Loans, net of unearned income	16,165,800			15,925,093			15,792,969			15,696,284			15,768,247			1.5	%	2.5	%
	Allowance for loan losses	(160,537		)	(157,810		)	(156,050		)	(163,217		)	(169,910		)	1.7	%	(5.5	)%
	Net loans	16,005,263			15,767,283			15,636,919			15,533,067			15,598,337			1.5	%	2.6	%
	Premises and equipment	234,529			231,236			230,195			230,313			222,802			1.4	%	5.3	%
	Accrued interest receivable	58,879			58,584			55,208			53,060			52,910			0.5	%	11.3	%
	Goodwill and intangible assets	531,556			531,556			531,556			531,556			531,556			—	%	—	%
	Other assets	612,883			634,596			624,936			616,715			588,957			(3.4	)%	4.1	%
	Total Assets	$	20,682,152		$	20,364,810		$	20,172,539		$	19,948,941		$	20,036,905		1.6	%	3.2	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	16,376,159		$	16,249,014		$	15,599,799		$	15,477,103		$	15,797,532		0.8	%	3.7	%
	Short-term borrowings	754,777			485,565			983,833			937,852			617,524			55.4	%	22.2	%
	Other liabilities	311,364			355,102			351,174			359,994			353,646			(12.3	)%	(12.0	)%
	FHLB advances and long-term debt	992,279			992,115			991,948			938,499			1,038,346			—	%	(4.4	)%
	Total Liabilities	18,434,579			18,081,796			17,926,754			17,713,448			17,807,048			2.0	%	3.5	%
	Shareholders' equity	2,247,573			2,283,014			2,245,785			2,235,493			2,229,857			(1.6	)%	0.8	%
	Total Liabilities and Shareholders' Equity	$	20,682,152		$	20,364,810		$	20,172,539		$	19,948,941		$	20,036,905		1.6	%	3.2	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	6,434,285		$	6,337,984		$	6,304,475		$	6,332,508		$	6,364,804		1.5	%	1.1	%
	Commercial - industrial, financial and agricultural	4,404,548			4,288,823			4,264,602			4,299,072			4,300,297			2.7	%	2.4	%
	Real estate - residential mortgage	2,251,044			2,173,548			2,094,530			1,976,524			1,954,711			3.6	%	15.2	%
	Real estate - home equity	1,452,137			1,469,152			1,491,395			1,514,241			1,559,719			(1.2	)%	(6.9	)%
	Real estate - construction	916,599			979,857			990,705			976,131			1,006,935			(6.5	)%	(9.0	)%
	Consumer	419,186			390,708			360,315			326,766			313,783			7.3	%	33.6	%
	Leasing and other	288,001			285,021			286,947			271,042			267,998			1.0	%	7.5	%
	Total Loans, net of unearned income	$	16,165,800		$	15,925,093		$	15,792,969		$	15,696,284		$	15,768,247		1.5	%	2.5	%
Deposits, by type:
	Noninterest-bearing demand	$	4,310,105		$	4,216,064		$	4,324,659		$	4,291,821		$	4,437,294		2.2	%	(2.9	)%
	Interest-bearing demand	4,240,974			4,289,181			3,854,680			3,984,423			4,018,107			(1.1	)%	5.5	%
	Savings and money market accounts	4,926,937			4,878,982			4,597,510			4,487,277			4,586,746			1.0	%	7.4	%
	Total demand and savings	13,478,016			13,384,227			12,776,849			12,763,521			13,042,147			0.7	%	3.3	%
	Brokered deposits	176,239			164,601			161,447			64,195			90,473			7.1	%	94.8	%
	Time deposits	2,721,904			2,700,186			2,661,503			2,649,387			2,664,912			0.8	%	2.1	%
	Total Deposits	$	16,376,159		$	16,249,014		$	15,599,799		$	15,477,103		$	15,797,532		0.8	%	3.7	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	118,499		$	82,741		$	152,594		$	165,186		$	172,017		43.2	%	(31.1	)%
	Customer short-term promissory notes	326,278			267,824			303,239			342,666			225,507			21.8	%	44.7	%
	Short-term FHLB advances	310,000			85,000			185,000			35,000			—			N/M		N/M
	Federal funds purchased	—			50,000			343,000			395,000			220,000			N/M		(100.0	)%
	Total Short-term Borrowings	$	754,777		$	485,565		$	983,833		$	937,852		$	617,524		55.4	%	22.2	%
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				Year ended
		Dec 31		Sep 30		Jun 30		Mar 31		Dec 31		Sep 30		Dec 31		December 31
		2018		2018		2018		2018		2017		2018		2017		2018		2017		% Change
Interest Income:
	Interest income	$	200,609	$	194,048	$	186,170	$	177,687	$	174,987	3.4	%	14.6	%	$	758,514	$	668,866	13.4	%
	Interest expense	37,665		33,921		30,103		26,369		25,574		11.0	%	47.3	%	128,058		93,502		37.0	%
	Net Interest Income	162,944		160,127		156,067		151,318		149,413		1.8	%	9.1	%	630,456		575,364		9.6	%
	Provision for credit losses	8,200		1,620		33,117		3,970		6,730		N/M		21.8	%	46,907		23,305		101.3	%
	Net Interest Income after Provision	154,744		158,507		122,950		147,348		142,683		(2.4	)%	8.5	%	583,549		552,059		5.7	%
Non-Interest Income:
Other service charges and fees:
	Merchant fees	4,366		5,006		4,920		4,115		4,308		(12.8	)%	1.3	%	18,407		16,845		9.3	%
	Debit card income	3,214		3,604		3,077		2,817		3,526		(10.8	)%	(8.8	)%	12,712		11,905		6.8	%
	Commercial loan interest rate swap fees	2,540		3,607		2,393		1,291		2,914		(29.6	)%	(12.8	)%	9,831		11,694		(15.9	)%
	Letter of credit fees	1,001		983		956		992		1,037		1.8	%	(3.5	)%	3,932		4,403		(10.7	)%
	Foreign exchange income	484		542		591		533		510		(10.7	)%	(5.1	)%	2,150		1,759		22.2	%
	Other	1,655		1,691		1,728		1,671		1,534		(2.1	)%	7.9	%	6,745		6,253		7.9	%
	Total	13,260		15,433		13,665		11,419		13,829		(14.1	)%	(4.1	)%	53,777		52,859		1.7	%
	Investment management and trust services	13,408		13,066		12,803		12,871		13,152		2.6	%	1.9	%	52,148		49,249		5.9	%
Service charges on deposit accounts:
	Overdraft fees	5,432		5,167		5,092		5,145		5,609		5.1	%	(3.2	)%	20,836		22,569		(7.7	)%
	Cash management fees	4,340		4,472		4,452		4,317		3,669		(3.0	)%	18.3	%	17,581		14,444		21.7	%
	Other	2,626		2,620		2,726		2,500		3,392		0.2	%	(22.6	)%	10,472		13,993		(25.2	)%
	Total	12,398		12,259		12,270		11,962		12,670		1.1	%	(2.1	)%	48,889		51,006		(4.2	)%
	Mortgage banking income	4,774		4,896		5,163		4,193		4,386		(2.5	)%	8.8	%	19,026		19,928		(4.5	)%
	Other:
	Credit card income	3,041		3,080		2,866		2,816		2,778		(1.3	)%	9.5	%	11,803		10,920		8.1	%
	Small business administration lending income	741		530		846		357		1,355		39.8	%	(45.3	)%	2,474		3,511		(29.5	)%
	Other income	1,901		1,755		1,477		2,238		6,854		8.3	%	(72.3	)%	7,371		11,430		(35.5	)%
	Total	5,683		5,365		5,189		5,411		10,987		5.9	%	(48.3	)%	21,648		25,861		(16.3	)%
	Non-Interest Income before Investment Securities Gains	49,523		51,019		49,090		45,856		55,024		(2.9	)%	(10.0	)%	195,488		198,903		(1.7	)%
	Investment securities gains	—		14		4		19		1,932		N/M		N/M		37		9,071		(99.6	)%
	Total Non-Interest Income	49,523		51,033		49,094		45,875		56,956		(3.0	)%	(13.1	)%	195,525		207,974		(6.0	)%
Non-Interest Expense:
	Salaries and employee benefits	75,745		76,770		74,919		75,768		73,504		(1.3	)%	3.0	%	303,202		290,130		4.5	%
	Net occupancy expense	12,708		12,578		12,760		13,632		12,549		1.0	%	1.3	%	51,678		49,708		4.0	%
	Data processing and software	10,203		10,157		10,453		10,473		10,401		0.5	%	(1.9	)%	41,286		38,735		6.6	%
	Other outside services	8,944		9,122		7,568		8,124		7,665		(2.0	)%	16.7	%	33,758		27,501		22.8	%
	Amortization of tax credit investments	6,538		1,637		1,637		1,637		3,376		N/M		93.7	%	11,449		11,028		3.8	%
	Professional fees	3,546		3,427		2,372		4,816		3,632		3.5	%	(2.4	)%	14,161		12,688		11.6	%
	Equipment expense	3,275		3,000		3,434		3,534		3,244		9.2	%	1.0	%	13,243		12,935		2.4	%
	FDIC insurance expense	2,563		2,814		2,663		2,953		3,618		(8.9	)%	(29.2	)%	10,993		11,049		(0.5	)%
	Marketing	1,577		2,692		2,335		2,250		1,725		(41.4	)%	(8.6	)%	8,854		8,034		10.2	%
	Other	15,586		13,216		15,204		13,474		18,738		17.9	%	(16.8	)%	57,480		63,771		(9.9	)%
	Total Non-Interest Expense	140,685		135,413		133,345		136,661		138,452		3.9	%	1.6	%	546,104		525,579		3.9	%
	Income Before Income Taxes	63,582		74,127		38,699		56,562		61,187		(14.2	)%	3.9	%	232,970		234,454		(0.6	)%
	Income tax expense	5,499		8,494		3,502		7,082		27,186		(35.3	)%	(79.8	)%	24,577		62,701		(60.8	)%
	Net Income	$	58,083	$	65,633	$	35,197	$	49,480	$	34,001	(11.5	)%	70.8	%	$	208,393	$	171,753	21.3	%
PER SHARE:
	Net income:
	Basic	$	0.33	$	0.37	$	0.20	$	0.28	$	0.19	(10.8	)%	73.7	%	$	1.19	$	0.98	21.4	%
	Diluted	0.33		0.37		0.20		0.28		0.19		(10.8	)%	73.7	%	1.18		0.98		20.4	%
	Cash dividends	0.16		0.12		0.12		0.12		0.14		33.3	%	14.3	%	0.52		0.47		10.6	%
	Weighted average shares (basic)	174,571		175,942		175,764		175,303		175,132		(0.8	)%	(0.3	)%	175,395		174,721		0.4	%
	Weighted average shares (diluted)	175,473		177,128		176,844		176,568		176,374		(0.9	)%	(0.5	)%	176,543		175,932		0.3	%
N/M - not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		December 31, 2018								September 30, 2018								December 31, 2017
		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	$	15,965,637		$	182,358		4.54%		$	15,862,143		$	177,329		4.44%		$	15,560,185		$	162,050		4.14%
	Taxable investment securities	2,283,897			15,005			2.74%		2,239,837			13,956			2.49%		2,177,833			12,218			2.24%
	Tax-exempt investment securities	426,872			3,978			3.71%		415,908			3,841			3.67%		411,398			4.526			4.40%
	Equity securities	—			—			—%		—			—			—%		2,219			33			5.91%
	Total Investment Securities	2,710,769			18,983			2.80%		2,655,745			17,797			2.68%		2,591,450			16.777			2.59%
	Loans held for sale	22,361			271			4.85%		27,195			388			5.71%		21,874			245			4.48%
	Other interest-earning assets	492,529			2,177			1.76%		416,129			1,601			1.53%		571,981			1,755			1.22%
	Total Interest-earning Assets	19,191,296			203,789			4.22%		18,961,212			197,115			4.13%		18,745,490			180.827			3.83%
Noninterest-earning assets:
	Cash and due from banks	111,252								100,568								112,958
	Premises and equipment	233,445								231,280								223,698
	Other assets	1,131,548								1,137,293								1,163,686
	Less: allowance for loan losses	(155,411		)						(157,121		)						(173,253		)
	Total Assets	$	20,512,130							$	20,273,232							$	20,072,579
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	4,225.157		$	7,448		0.70%		$	4,116,051		$	6,378		0.61%		$	4,037,879		$	4,111		0.40%
	Savings deposits	4,979.712			9,745			0.78%		4,718,148			7,569			0.64%		4,752,337			4,594			0.38%
	Brokered deposits	164,280			969			2.34%		162,467			840			2.05%		105,135			336			1.27%
	Time deposits	2,722.141			9,997			1.46%		2,672,548			9,032			1.34%		2,706,982			8,041			1.18%
	Total Interest-bearing Deposits	12,091,290			28,159			0.92%		11,669,214			23,819			0.81%		11,602,333			17,082			0.58%
	Short-term borrowings	504,550			1,410			1.11%		724,132			2,002			1.09%		391,284			372			0.38%
	FHLB advances and long-term debt	988,914			8,096			3.26%		988,748			8,100			3.26%		1,038,257			8,120			3.12%
	Total Interest-bearing Liabilities	13,584,754			37,665			1.10%		13,382,094			33,921			1.01%		13,031,874			25,574			0.78%
Noninterest-bearing liabilities:
	Demand deposits	4,321.776								4,298,020								4,454,456
	Other	323.931								324,025								349,218
	Total Liabilities	18,230.461								18,004,139								17,835,548
	Shareholders' equity	2,281.669								2,269,093								2,237,031
	Total Liabilities and Shareholders' Equity	$	20,512,130							$	20,273,232							$	20,072,579
	Net interest income/net interest margin (fully taxable equivalent)				166,124			3.44%					163,194			3.42%					155,253			3.29%
	Tax equivalent adjustment				(3,180		)						(3,067		)						(5,840		)
	Net interest income				$	162,944							$	160,127							$	149,413
	(1) Three months ended December 31, 2018 and September 30, 2018 are presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. December 31, 2017 is presented on a fully taxable-equivalent basis using a 35% federal tax rate and statutory interest expense disallowances.
	Note: The weighted average interest rate on total average interest-bearing liabilities and average non-interest bearing demand deposits (“cost of funds”) was 0.84%, 0.76% and 0.58% for the three months ended December 31, 2018, September 30, 2018 and December 31, 2017, respectively.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Three Months Ended														% Change from
		Dec 31			Sep 30			Jun 30		Mar 31			Dec 31			Sep 30		Dec 31
		2018			2018			2018		2018			2017			2018		2017
Loans, by type:
	Real estate - commercial mortgage	$	6,343,024		$	6,309,663		$	6,298,534	$	6,305,821		$	6,232,674		0.5	%	1.8		%
	Commercial - industrial, financial and agricultural	4,329,937			4,304,320			4,335,097		4,288,634			4,263,199			0.6	%	1.6		%
	Real estate - residential mortgage	2,209,993			2,142,977			2,026,161		1,958,505			1,926,067			3.1	%	14.7		%
	Real estate - home equity	1,459,647			1,474,011			1,502,936		1,538,974			1,560,713			(1.0	)%	(6.5		)%
	Real estate - construction	931,724			969,575			978,327		984,242			1,004,166			(3.9	)%	(7.2		)%
	Consumer	406,436			375,656			345,572		315,927			312,320			8.2	%	30.1		%
	Leasing and other	284,876			285,941			281,750		268,930			261,046			(0.4	)%	9.1		%
	Total Loans, net of unearned income	$	15,965,637		$	15,862,143		$	15,768,377	$	15,661,033		$	15,560,185		0.7	%	2.6		%
Deposits, by type:
	Noninterest-bearing demand	$	4,321,776		$	4,298,020		$	4,281,574	$	4,246,168		$	4,454,456		0.6	%	(3.0		)%
	Interest-bearing demand	4,225,157			4,116,051			3,952,115		3,958,894			4,037,879			2.7	%	4.6		%
	Savings and money market accounts	4,979,712			4,718,148			4,538,083		4,494,445			4,752,337			5.5	%	4.8		%
	Total demand and savings	13,526,645			13,132,219			12,771,772		12,699,507			13,244,672			3.0	%	2.1		%
	Brokered deposits	164,280			162,467			85,242		74,026			105,135			1.1	%	56.3		%
	Time deposits	2,722,141			2,672,548			2,660,410		2,646,779			2,706,982			1.9	%	0.6		%
	Total Deposits	$	16,413,066		$	15,967,234		$	15,517,424	$	15,420,312		$	16,056,789		2.8	%	2.2		%
Short-term borrowings, by type:
	Customer repurchase agreements	$	64,102		$	148,660		$	162,276	$	175,292		$	179,948		(56.9	)%	(64.4		)%
	Customer short-term promissory notes	312,742			298,896			316,049		308,725			195,951			4.6	%	59.6		%
	Federal funds purchased	43			145,793			398,297		379,822			15,374			(100.0	)%	(99.7		)%
	Short-term FHLB advances and other borrowings	127,663			130,783			146,538		33,000			11			(2.4	)%	N/M
	Total Short-term Borrowings	$	504,550		$	724,132		$	1,023,160	$	896,839		$	391,284		(30.3	)%	28.9		%

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Year Ended December 31
		2018								2017
		Average								Average
		Balance			Interest (1)			Yield/Rate		Balance			Interest (1)			Yield/Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	15,815,263		$	691,954		4.38	%	$	15,236,612		$	620,803		4.07	%
	Taxable investment securities	2,246,555			56,039			2.49	%	2,132,426			47,029			2.21	%
	Tax-exempt investment securities	416,119			15,285			3.65	%	407,157			17,794			4.37	%
	Equity securities	126			5			3.97	%	8,331			500			6.00	%
	Total Investment Securities	2,662,800			71,329			2.68	%	2,547,914			65,323			2.56	%
	Loans held for sale	22,970			1,159			5.05	%	20,008			876			4.38	%
	Other interest-earning assets	382,569			6,193			1.62	%	451,015			5,066			1.12	%
	Total Interest-earning Assets	18,883,602			770,635			4.08	%	18,255,549			692,068			3.79	%
Noninterest-earning assets:
	Cash and due from banks	104,595								108,523
	Premises and equipment	231,762								219,960
	Other assets	1,123,857								1,168,759
	Less: allowance for loan losses	(160,614		)						(172,424		)
	Total Assets	$	20,183,202							$	19,580,367
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	4,063,929		$	22,789		0.56	%	$	3,831,865		$	12,976		0.34	%
	Savings deposits	4,684,023			27,226			0.58	%	4,468,205			13,477			0.30	%
	Brokered deposits	121,863			2,480			2.04	%	49,126			613			1.25	%
	Time deposits	2,675,670			35,217			1.32	%	2,721,724			30,726			1.13	%
	Total Interest-bearing Deposits	11,545,485			87,712			0.76	%	11,070,920			57,792			0.52	%
	Short-term borrowings	785,923			8,489			1.07	%	533,564			2,779			0.52	%
	FHLB advances and long-term debt	977,573			31,857			3.26	%	1,034,444			32,932			3.18	%
	Total Interest-bearing Liabilities	13,308,981			128,058			0.96	%	12,638,928			93,503			0.74	%
Noninterest-bearing liabilities:
	Demand deposits	4,287,121								4,410,301
	Other	331,336								337,275
	Total Liabilities	17,927,438								17,386,504
	Shareholders' equity	2,255,764								2,193,863
	Total Liabilities and Shareholders' Equity	$	20,183,202							$	19,580,367
	Net interest income/net interest margin (fully taxable equivalent)				642,577			3.40	%				598,565			3.28	%
	Tax equivalent adjustment				(12,121		)						(23,201		)
	Net interest income				$	630,456							$	575,364
(1) Year ended December 31, 2018 is presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. Prior period is presented on a fully taxable-equivalent basis using a 35% federal tax rate and statutory interest expense disallowances.
Note: The weighted average interest rate on total average interest-bearing liabilities and average non-interest bearing demand deposits (“cost of funds”) was 0.73% and 0.55% for the year ended December 31, 2018 and 2017, respectively.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Year Ended
		December 31
		2018			2017			% Change
Loans, by type:
	Real estate - commercial mortgage	$	6,314,349		$	6,161,731		2.5	%
	Commercial - industrial, financial and agricultural	4,314,584			4,236,810			1.8	%
	Real estate - residential mortgage	2,085,258			1,779,270			17.2	%
	Real estate - home equity	1,493,620			1,582,705			(5.6	)%
	Real estate - construction	965,835			921,879			4.8	%
	Consumer	361,186			304,162			18.7	%
	Leasing and other	280,431			250,055			12.1	%
	Total Loans, net of unearned income	$	15,815,263		$	15,236,612		3.8	%
Deposits, by type:
	Noninterest-bearing demand	$	4,287,121		$	4,410,301		(2.8	)%
	Interest-bearing demand	4,063,929			3,831,865			6.1	%
	Savings and money market accounts	4,684,023			4,468,205			4.8	%
	Total demand and savings	13,035,073			12,710,371			2.6	%
	Brokered deposits	121,863			49,126			148.1	%
	Time deposits	2,675,670			2,721,724			(1.7	)%
	Total Deposits	$	15,832,606		$	15,481,221		2.3	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	138,198		$	188,769		(26.8	)%
	Customer short-term promissory notes	308,470			108,649			183.9	%
	Federal funds purchased	229,715			163,102			40.8	%
	Short-term FHLB advances and other borrowings	109,540			73,044			50.0	%
	Total Short-term Borrowings	$	785,923		$	533,564		47.3	%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended															Year Ended
		Dec 31			Sep 30			Jun 30			Mar 31			Dec 31			Dec 31
		2018			2018			2018			2018			2017			2018			2017
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	167,826		$	169,247		$	176,019		$	176,084		$	174,749		$	176,084		$	171,325
	Loans charged off:
	Commercial - industrial, financial and agricultural	(6,263		)	(3,541		)	(38,632		)	(4,005		)	(5,473		)	(52,441		)	(19,067		)
	Consumer and home equity	(1,884		)	(1,415		)	(1,528		)	(1,300		)	(1,071		)	(6,127		)	(4,567		)
	Real estate - commercial mortgage	(762		)	(650		)	(366		)	(267		)	(220		)	(2,045		)	(2,169		)
	Real estate - residential mortgage	(446		)	(483		)	(483		)	(162		)	(152		)	(1,574		)	(687		)
	Real estate - construction	(392		)	(212		)	(606		)	(158		)	—			(1,368		)	(3,765		)
	Leasing and other	(889		)	(582		)	(545		)	(505		)	(457		)	(2,521		)	(3,035		)
	Total loans charged off	(10,636		)	(6,883		)	(42,160		)	(6,397		)	(7,373		)	(66,076		)	(33,290		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	2,647			731			541			1,075			941			4,994			7,771
	Consumer and home equity	684			607			717			385			466			2,393			1,969
	Real estate - commercial mortgage	94			928			321			279			178			1,622			1,668
	Real estate - residential mortgage	100			317			96			107			186			620			786
	Real estate - construction	415			664			444			306			32			1,829			1,582
	Leasing and other	80			595			152			210			175			1,037			968
	Recoveries of loans previously charged off	4,020			3,842			2,271			2,362			1,978			12,495			14,744
Net loans recovered (charged off)		(6,616		)	(3,041		)	(39,889		)	(4,035		)	(5,395		)	(53,581		)	(18,546		)
Provision for credit losses		8,200			1,620			33,117			3,970			6,730			46,907			23,305
Balance at end of period		$	169,410		$	167,826		$	169,247		$	176,019		$	176,084		$	169,410		$	176,084
Net charge-offs (recoveries) to average loans (annualized)		0.17		%	0.08		%	1.01		%	0.10		%	0.14		%	0.34		%	0.12		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	128,572		$	106,433		$	111,116		$	122,966		$	124,749
	Loans 90 days past due and accruing	11,106			13,663			12,628			11,676			10,010
	Total non-performing loans	139,678			120,096			123,744			134,642			134,759
	Other real estate owned	10,518			10,684			11,181			10,744			9,823
	Total non-performing assets	$	150,196		$	130,780		$	134,925		$	145,386		$	144,582
NON-PERFORMING LOANS, BY TYPE:
	Commercial - industrial, financial and agricultural	$	51,269		$	43,391		$	44,045		$	54,915		$	54,309
	Real estate - commercial mortgage	32,153			37,393			39,278			36,183			35,446
	Real estate - residential mortgage	19,101			19,076			18,888			20,169			20,972
	Consumer and home equity	10,178			10,362			12,038			12,272			11,803
	Real estate - construction	7,390			9,784			9,319			10,931			12,197
	Leasing	19,587			90			176			172			32
	Total non-performing loans	$	139,678		$	120,096		$	123,744		$	134,642		$	134,759
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	24,102		$	24,810		$	25,055		$	25,602		$	26,016
	Consumer and home equity	16,675			16,216			16,212			16,091			15,584
	Real-estate - commercial mortgage	15,685			15,690			16,420			18,181			13,959
	Commercial - industrial, financial and agricultural	5,143			10,342			11,199			11,740			10,820
	Total accruing TDRs	61,605			67,058			68,886			71,614			66,379
	Non-accrual TDRs (1)	28,659			23,238			24,743			24,897			29,051
	Total TDRs	$	90,264		$	90,296		$	93,629		$	96,511		$	95,430
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:
		Total Delinquency
		Dec 31		Sep 30		Jun 30		Mar 31		Dec 31
		2018		2018		2018		2018		2017
	Real estate - commercial mortgage	0.69	%	0.81	%	0.77	%	0.77	%	0.77	%
	Commercial - industrial, financial and agricultural	1.02	%	1.21	%	1.44	%	1.48	%	1.50	%
	Real estate - construction	1.08	%	1.04	%	1.02	%	1.12	%	1.32	%
	Real estate - residential mortgage	2.14	%	1.95	%	1.90	%	1.91	%	2.04	%
	Consumer, home equity, leasing and other	1.24	%	1.31	%	1.22	%	1.20	%	1.37	%
	Total
		1.08	%	1.15	%	1.18	%	1.19	%	1.24	%

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 certain 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 quarterly 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
		Dec 31			Sep 30			Jun 30			Mar 31			Dec 31
		2018			2018			2018			2018			2017
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,247,573		$	2,283,014		$	2,245,785		$	2,235,493		$	2,229,857
Less: Goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Tangible shareholders' equity (numerator)		$	1,716,017		$	1,751,458		$	1,714,229		$	1,703,937		$	1,698,301
Shares outstanding, end of period (denominator)		170,184			176,019			175,847			175,404			175,170
Shareholders' equity (tangible), per share		$	10.08		$	9.95		$	9.75		$	9.71		$	9.70
Return on average common shareholders' equity (tangible)
Net Income - Numerator		$	58,083		$	65,633		$	35,197		$	49,480		$	34,001
Average shareholders' equity		$	2,281,669		$	2,269,093		$	2,246,904		$	2,224,615		$	2,237,031
Less: Average goodwill and intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Average tangible shareholders' equity (denominator)		$	1,750,113		$	1,737,537		$	1,715,348		$	1,693,059		$	1,705,475
Return on average common shareholders' equity (tangible), annualized		13.17		%	14.99		%	8.23		%	11.85		%	7.91		%
Tangible Common Equity to Tangible Assets (TCE Ratio)
Shareholders' equity		$	2,247,573		$	2,283,014		$	2,245,785		$	2,235,493		$	2,229,857
Less: Intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Tangible shareholders' equity (numerator)		$	1,716,017		$	1,751,458		$	1,714,229		$	1,703,937		$	1,698,301
Total assets		$	20,682,152		$	20,364,810		$	20,172,539		$	19,948,941		$	20,036,905
Less: Intangible assets		(531,556		)	(531,556		)	(531,556		)	(531,556		)	(531,556		)
Total tangible assets (denominator)		$	20,150,596		$	19,833,254		$	19,640,983		$	19,417,385		$	19,505,349
Tangible Common Equity to Tangible Assets		8.52		%	8.83		%	8.73		%	8.78		%	8.71		%
Efficiency ratio
Non-interest expense		$	140,685		$	135,413		$	133,345		$	136,661		$	138,452
Less: Amortization of tax credit investments		(6,538		)	(1,637		)	(1,637		)	(1,637		)	(3,376		)
Non-interest expense (numerator)		$	134,147		$	133,776		$	131,708		$	135,024		$	135,076
Net interest income (fully taxable equivalent)		$	166,124		$	163,194		$	159,027		$	154,232		$	155,253
Plus: Total Non-interest income		49,523			51,033			49,094			45,875			56,956
Less: Investment securities gains		—			(14		)	(4		)	(19		)	(1,932		)
Net interest income (denominator)		$	215,647		$	214,213		$	208,117		$	200,088		$	210,277
Efficiency ratio		62.2		%	62.5		%	63.3		%	67.5		%	64.2		%
Non-performing assets to tangible common shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	150,196		$	130,780		$	134,925		$	145,386		$	144,582
Tangible shareholders' equity		$	1,716,017		$	1,751,458		1,714,229			1,703,937			$	1,698,301
Plus: Allowance for credit losses		169,410			167,826			169,247			176,019			176,084
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,885,427		$	1,919,284		$	1,883,476		$	1,879,956		$	1,874,385
Non-performing assets to tangible common shareholders' equity and allowance for credit losses		7.97		%	6.81		%	7.16		%	7.73		%	7.71		%
Pre-provision net revenue
Net interest income		$	162,944		$	160,127		$	156,067		$	151,318		$	149,413
Non-interest income		49,523			51,033			49,094			45,875			56,956
Less: Investment securities gains		—			(14		)	(4		)	(19		)	(1,932		)
Total revenue		$	212,467		$	211,146		$	205,157		$	197,174		$	204,437
Non-interest expense		$	140,685		$	135,413		$	133,345		$	136,661		$	138,452
Less: Amortization of tax credit investments (1)		(6,538		)	(1,637		)	(1,637		)	(1,637		)	(3,376		)
Total non-interest expense, as adjusted		$	134,147		$	133,776		$	131,708		$	135,024		$	135,076
Pre-provision net revenue		$	78,320		$	77,370		$	73,449		$	62,150		$	69,361

Reconciliation of Net Income; Net Income per share, diluted; and Selected Financial Ratios, adjusted to exclude the charge recognized in the fourth quarter of 2017 related to the estimated re-measurement of net deferred tax assets:
Diluted earnings per share
Net income	$	34,001
Plus: Estimated re-measurement of net deferred tax assets	15,634
Net Income, adjusted (numerator)	$	49,635
Weighted average shares (diluted) (denominator)	176,374
Net income per share, diluted	$	0.28
Return on average assets
Net income	$	34,001
Plus: Estimated re-measurement of net deferred tax assets	15,634
Net Income, adjusted (numerator)	$	49,635
Average assets (denominator)	$	20,072,579
Return on average assets, annualized	0.98		%
Return on average shareholders' equity
Net income	$	34,001
Plus: Estimated re-measurement of net deferred tax assets	15,634
Net Income, adjusted (numerator)	$	49,635
Average shareholders' equity (denominator)	$	2,237,031
Return on average shareholders' equity, annualized	8.80		%
Return on average shareholders' equity (tangible)
Net Income, as reported	$	34,001
Plus: Estimated re-measurement of net deferred tax assets	15,634
Net Income, adjusted (numerator)	$	49,635
Average shareholders' equity	$	2,237,031
Less: Average goodwill and intangible assets	(531,556		)
Average tangible shareholders' equity (denominator)	$	1,705,475
Return on average shareholders' equity (tangible), annualized	11.55		%

EX-99.3

2018 AND FOURTH QUARTER RESULTS NASDAQ: FULT D A T A AS OF D E C E M B E R 3 1 , 2 0 1 8 U N L E S S O T H E R W I S E N O T E D

FORWARD-LOOKING STATEMENTS This presentation 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," “projects,” the negative of these terms and other comparable terminology. These forward looking statements may include projections of, or guidance on, the Corporation’s future financial performance, expected levels of future expenses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation’s business or financial results. Management’s 2019 Outlook contained herein is comprised of forward-looking statements. Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, they are based on current beliefs, expectations and assumptions regarding the future of the Corporation’s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements related to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. 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, 2017 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2018, June 30, 2018 and September 30, 2018, which have been filed with the Securities and Exchange Commission and are 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

2018 HIGHLIGHTS 2018 net income of $208.4 million, or $1.18 per share. 2018 Key Accomplishments  Record year of revenues and net income  Average loan growth of 3.8% and average demand and savings deposit growth of 2.6%  Pre-provision net revenue(1) increased 12.2%  Efficiency ratio(1) improved to 63.8% FOURTH QUARTER HIGHLIGHTS Fourth quarter net income of $58.1 million, or $0.33 per share.  Average loan growth of 0.7% and average demand and savings deposit growth of 3.0%, linked quarter  Pre-provision net revenue(1) increased 1.2% linked quarter  Repurchased $95 million of common stock (1) Non-GAAP 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. 3

FOURTH QUARTER RESULTS Net income per diluted share: $0.33 in 4Q18, 10.8% decrease from 3Q18 and 73.7% increase from 4Q17 Pre-Provision Net Revenue(1): $78.3 million, 1.2% increase from 3Q18 and 12.9% increase from 4Q17 Linked Quarter Loan and Core Deposit Growth: 0.7% increase in average loans, while average demand and savings deposits increased 3.0% Net Interest Income & Margin: Net interest income increased 1.8%, reflecting the impact of a 2 basis point increase in net interest margin and balance sheet growth Non-Interest Income(2) & Non-Interest Expense: 2.9% decrease in non-interest income and 3.9% increase in non- interest expense Asset Quality: $6.6 million increase in provision for credit losses, due primarily to a single agribusiness relationship Q4 Year-over-Year Loan and Core Deposit Growth: 2.6% increase in average loans and 2.1% increase in average demand and savings deposits Net Interest Income & Margin: 9.1% increase in net interest income, reflecting the impact of a 15 basis point increase in net interest margin and balance sheet growth Non-Interest Income(2) & Non-Interest Expense: 10.0% decrease in non-interest income and 1.6% increase in non- interest expense Asset Quality: $1.5 million increase in provision for credit losses (1) Non-GAAP 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 investment securities gains. 4

INCOME STATEMENT SUMMARY – YEAR TO DATE Year Ended Dec 31, 2018 2017 Change  Net Income of $208.4 million; 21.3% increase from 2017. Earnings per share increased 20.4% to $1.18. 2017 included a $15.6 million, (dollars in thousands, except per-share data) or $0.09 per share, charge related to the re-measurement of net Net Interest Income $ 630,456 $ 575,364 $ 55,092 deferred tax assets. Provision for Credit Losses 46,907 23,305 23,602  Net Interest Income 9.6% increase, reflecting the impact of loan growth and a 12 basis Non-Interest Income 195,488 198,903 (3,415) point higher net interest margin (NIM). Securities Gains 37 9,071 (9,034)  Loan Loss Provision Non-Interest Expense 546,104 525,579 20,525 $46.9 million provision in 2018, which included a $36.8 million provision for credit losses related to fraud committed by one Income before Income Taxes 232,970 234,454 (1,484) commercial relationship. Income Taxes 24,577 62,701 (38,124)  Non-Interest Income Excluding securities gains, 1.7% decrease driven largely by a $5.1 Net Income $ 208,393 $ 171,753 $ 36,640 million litigation settlement gain recognized in 2017, lower commercial loan interest rate swap fees ($1.9 million), overdraft fees ($1.7 million), small business administration (SBA) lending income ($1.0 million) and mortgage banking income ($0.9 million). Net income per share (diluted) $1.18 $0.98 $ 0.20 Mortgage banking income in 2017 included a $1.3 million valuation allowance reversal. Partially offsetting these decreases were increases in investment management and trust services income ($2.9 million), merchant fees ($1.6 million), credit card income ($0.9 ROA (1) 1.03% 0.88% 0.15% million) and debit card income ($0.8 million).  Non-Interest Expenses 3.9% increase from 2017 primarily due to higher salaries and (2) benefits expense ($13.1 million), other outside services ($6.3 ROE 9.24% 7.83% 1.41% million), data processing and software ($2.6 million) and net occupancy expense ($2.0 million), partially offset by a reduction in other expenses ($6.3 million). Other expenses in 2017 included the write-off of other accumulated capital expenditures related to in- ROE (tangible) (3) 12.09% 10.33% 1.76% process technology initiatives in commercial banking ($4.8 million).  Income Taxes 60.8% decrease due to the $15.6 million charge in the fourth quarter (3) of 2017 for the re-measurement of net deferred tax assets, and the Efficiency ratio 63.8% 64.5% (0.7%) lower statutory federal tax rate that became effective in 2018. (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets. (2) ROE is return on average shareholders’ equity determined by dividing net income for the period indicated by average shareholders’ equity. (3) Non-GAAP 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. 5

INCOME STATEMENT SUMMARY – QUARTER TO DATE Change from  Net Income of $58.1 million, 11.5% decrease from 3Q18 and 70.8% 4Q18 3Q18 4Q17 increase from 4Q17. Increase from 4Q17 largely due to $15.6 million (dollars in thousands, except per-share data) charge related to the re-measurement of net deferred tax assets.  Net Interest Income Net Interest Income $ 162,944 $ 2,817 $ 13,531 . From 3Q18: Increase of 1.8%, driven by loan and deposit growth and the Provision for Credit Losses 8,200 6,580 1,470 impact of a 2 basis point increase in NIM. . From 4Q17: Increase of 9.1%, driven by loan and deposit growth and the Non-Interest Income 49,523 (1,496) (5,501) impact of a 15 basis point increase in NIM. Securities Gains - (14) (1,932)  Provision for Credit Losses Non-Interest Expense 140,685 5,272 2,233 4Q18 reflects additional allocations primarily related to one relationship that was transferred to nonaccrual status. Income before Income Taxes 63,582 (10,545) 2,395  Non-Interest Income Income Taxes 5,499 (2,995) (21,687) . From 3Q18: 2.9% decrease driven by commercial loan interest rate swap Net Income $ 58,083 $ (7,550) $ 24,082 fees ($1.1 million) and merchant fees ($0.6 million) . From 4Q17: 10.0% decrease by lower SBA lending income ($0.6 million), commercial loan interest rate swap fees ($0.4 million) partially offset by increases in mortgage banking income ($0.4 million). 4Q17 included a Net income per share (diluted) $ 0.33 $ (0.04) $ 0.14 $5.1 million favorable litigation settlement.  Non-Interest Expenses . (1) From 3Q18: 3.9% increase driven by amortization of tax credit ROA 1.12% (0.16%) 0.45% investments ($4.9 million) and other ($2.4 million), partially offset by a decrease in marketing ($1.1 million). . From 4Q17: 1.6% increase driven by increase in salaries and employee ROE (2) benefits ($2.2 million), amortization of tax credit investments ($3.2 10.10% (1.38%) 4.07% million) and other outside services ($1.3 million), partially offset by a decrease in FDIC insurance expense ($1.1 million). Other expenses in 2017 included the write-off of other accumulated capital expenditures ROE (tangible) (3) 13.17% (1.82%) 5.26% related to in-process technology initiatives in commercial banking ($4.8 million).  Income Taxes Efficiency ratio (3) 62.2% (0.3%) (2.0%) 8.6% effective tax rate (ETR) in 4Q18 vs. 11.5% in 3Q18 and 44.4% in 4Q17. Excluding the tax charge, ETR for 4Q17 was 18.9%. (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets, annualized. (2) ROE is return on average shareholders’ equity determined by dividing net income for the period indicated by average shareholders’ equity, annualized. (3) Non-GAAP 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. 6

NET INTEREST INCOME AND MARGIN Net Interest Income & Net Interest Margin Average Interest-Earning Assets & Yields ($ IN MILLIONS) ($ IN BILLIONS) $20.0 6.00% $180.0 4.00% 4.13% 4.22% $15.0 3.83% 3.93% 4.04% 4.00% 3.90% $16.0 $15.8 $15.9 $170.0 $10.0 $15.6 $15.7 $162.9 $160.1 3.80% 2.00% $5.0 ~ $730 $160.0 $156.1 million 3.70% $3.2 $2.9 $3.0 $3.1 $3.2 $149.4 $151.3 $- 0.00% $150.0 4Q17 1Q18 2Q18 3Q18 ~4Q18 $610 3.60% million Securities & Other Loans Earning Asset Yield (FTE) $140.0 3.50% 3.44% 3.40% Average Liabilities & Rates $130.0 3.42% 3.39% ($ IN BILLIONS) 3.35% 3.30% $120.0 $25.0 1.10% 1.20% 3.29% 3.20% 1.01% 0.91% $20.0 0.82% 1.00% $110.0 0.78% 3.10% $1.5 $1.9 $2.0 $1.7 0.80% $15.0 $1.4 0.60% $100.0 3.00% $10.0 4Q17 2Q18 2Q18 3Q18 4Q18 0.40% $5.0 $16.1 $15.4 $15.5 $16.0 $16.4 0.20% Net Interest Income Net Interest Margin (Fully-taxable equivalent basis, or FTE) $- 0.00% 4Q17 1Q18 2Q18 3Q18 4Q18 Deposits Borrowings Cost of Interest-bearing Liabilities 7

ASSET QUALITY – ANNUAL COMPARISON ($ IN MILLIONS) Provision for Credit Losses Non-Performing Loans (NPLs) & NPLs to Loans $50.0 $46.9 1.50% $150.00 $144.8 $139.7 $45.0 $131.6 $134.8 $40.0 $125.00 $35.0 1.00% $100.00 $30.0 1.05% $23.3 $25.0 $75.00 0.90% 0.85% 0.86% $20.0 $50.00 0.50% $15.0 $13.2 $10.0 $25.00 $5.0 $2.3 $0.00 0.00% $- 2015 2016 2017 2018 2015 2016 2017 2018 NPL NPLs/Loans Net Charge-offs (NCOs) and NCOs to Average Loans Allowance for Credit Losses (Allowance) to NPLs & Loans 160.0% 3.00% $60.0 1.00% $53.6 130.15% 130.67% 0.90% 121.29% $50.0 118.37% 0.80% 120.0% 2.00% $40.0 0.70% 0.60% $30.0 0.50% 80.0% 0.34% $18.6 0.40% $16.8 1.00% $20.0 0.30% 1.24% 1.17% $13.3 40.0% 1.12% 1.05% $10.0 0.20% 0.10% $- 0.13% 0.09% 0.12% 0.00% 0.0% 0.00% 2015 2016 2017 2018 2015 2016 2017 2018 NCOs NCOs/Average Loans Allowance/NPLs Allowance/Loans 8

NON-INTEREST INCOME – QUARTERLY COMPARISON ($ IN MILLIONS) Non-Interest Income, Excluding Securities Gains Mortgage Banking Income & Spreads $6.0 4.00% $5.2 3.50% $5.0 $4.9 $4.8 $4.4 $60.0 $4.2 3.00% $4.0 2.50% $3.0 2.00% $55.0 $55.0 1.50% $2.0 1.56% 1.36% 1.30% 1.38% 1.00% ~ $730 $1.0 1.11% $51.0 million 0.50% $49.1 $49.5 $50.0 $- 0.00% 4Q17 1Q18 2Q18 3Q18 ~4Q18 $610 million $45.9 Gains on Sales Servicing Income Spread on Sales (1) $45.0 Other Non-Interest Income $40.0 $60.0 $50.6 $50.0 $46.1 $44.7 $41.7 $43.9 $35.0 $40.0 $30.0 $30.0 $20.0 4Q17 1Q18 2Q18 3Q18 4Q18 $10.0 $- 4Q17 1Q18 2Q18 3Q18 4Q18 (1) Represents Gains on Sales divided by total new commitments to originate residential mortgage loans for customers. Invt Mgmt & Trust Srvs Deposit Srv Chgs Oth Srv Chgs Other 9

NON-INTEREST EXPENSES – QUARTERLY COMPARISON ($ IN MILLIONS) Non-Interest Expense & Efficiency Ratio (1) Salaries and Employee Benefits & Staffing $80.0 3,700 $76.8 $75.8 $74.9 $75.8 $75.0 $73.5 3,650 $144.0 80.0% $70.0 3,600 $65.0 78.0% 3,590 $60.0 3,550 $142.0 $55.0 $140.7 76.0% 3,520 3,500 $50.0 ~ $730 million 3,450 $140.0 74.0% $45.0 $138.5 $40.0 3,400 ~ $610 4Q17 1Q18 2Q18 3Q18 4Q18 72.0% million $138.0 Total Salaries Employee Benefits Average Full-time Equivalent Employees $136.7 70.0% Other Non-Interest Expenses $136.0 $135.4 67.5% 68.0% $70.0 $65.0 $64.9 66.0% $134.0 $60.9 $58.4 $133.3 $60.0 $58.6 64.0% $50.0 64.2% $132.0 $40.0 63.3% 62.0% 62.5% 62.2% $30.0 $130.0 60.0% $20.0 4Q17 1Q18 2Q18 3Q18 4Q18 $10.0 $- 4Q17 1Q18 2Q18 3Q18 4Q18 Occp & Equip Data Processing & Software Outside Srvs Other (1) Non-GAAP 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. 10

PROFITABILITY & CAPITAL – ANNUAL COMPARISON ROA(1) ROE and ROE (tangible)(2) 1.20% 14.00% 1.03% 12.09% 1.00% 12.00% 0.88% 0.88% 10.01% 10.30% 10.33% 0.86% 10.00% 9.24% 0.80% 7.69% 7.83% 8.00% 7.38% 0.60% 6.00% 0.40% 4.00% 2.00% 0.20% 0.00% 2015 2016 2017 2018 0.00% 2015 2016 2017 2018 ROE ROE (tangible) Tangible Common Equity Ratio(2) Diluted Earnings Per Common Share 12.0% $1.40 $1.18 $1.20 8.7% 8.6% 8.7% 8.5% $0.98 $1.00 $0.93 8.0% $0.85 $0.80 $0.60 4.0% $0.40 $0.20 0.0% $- 2015 2016 2017 2018 2015 2016 2017 2018 (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets. (2) Non-GAAP 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. 11

2019 OUTLOOK • Loans & Deposits: Average annual loan and deposit growth rates in the low to mid single-digits • Net Interest Income: Mid to high single-digit growth rate • Net Interest Margin: An increase of 0 to 3 basis points per quarter in 2019 • Non-Interest Income: Low to mid single-digit growth rate • Non-Interest Expense: Excluding charter consolidation costs, low single-digit growth rate • Asset Quality: $3 million to $8 million provision for credit losses per quarter • Capital: Levels to remain consistent with December 31, 2018 • Effective Tax Rate: Anticipated to range between 13% and 16% 12

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. T hree M o nths Ended D ec 31, Sep 30, Jun 30, M ar 31, D ec 31, Year Ended D ec 31, 2018 2018 2018 2018 2017 2018 2017 Efficiency ratio (dollars in thousands) Non-interest expense $ 140,685 $ 135,413 $ 133,345 $ 136,661 $ 138,452 $ 546,104 $ 525,579 Less: Amortization of tax credit investments (6,538) (1,637) (1,637) (1,637) (3,376) (11,449) (11,028) Numerator $ 134,147 $ 133,776 $ 131,708 $ 135,024 $ 135,076 $ 534,655 $ 514,551 Net interest income (fully taxable equivalent) $ 166,124 $ 163,194 $ 159,027 $ 154,232 $ 155,253 $ 642,577 $ 598,565 Plus: Total Non-interest income 49,523 51,033 49,094 45,875 56,956 195,525 207,974 Less: Investment securities (gains) losses - (14) (4) (19) (1,932) (37) (9,071) Denominator $ 215,647 $ 214,213 $ 208,117 $ 200,088 $ 210,277 $ 838,065 $ 797,468 Efficiency ratio 62.2% 62.5% 63.3% 67.5% 64.2% 63.8% 64.5% T hree M o nths Ended D ec 31, Sep 30, D ec 31, Year Ended D ec 31, 2018 2018 2017 2018 2017 2016 2015 (dollars in thousands) R eturn o n A verage Shareho lders' Equity (R OE) (T angible) Net income $ 58,083 $ 65,634 $ 34,001 $ 208,393 $ 171,753 $ 161,625 $ 149,502 Plus: Intangible amortization, net of tax - - - - - - 161 Numerator $ 58,083 $ 65,634 $ 34,001 $ 208,393 $ 171,753 $ 161,625 $ 149,663 Average shareholders' equity $ 2,281,669 $ 2,269,093 $ 2,237,031 $ 2,255,764 $ 2,193,863 $ 2,100,634 $ 2,026,883 Less: Average goodwill and intangible assets (531,556) (531,556) (531,556) (531,556) (531,556) (531,556) (531,618) Average tangible shareholders' equity (denominator) $ 1,750,113 $ 1,737,537 $ 1,705,475 $ 1,724,208 $ 1,662,307 $ 1,569,078 $ 1,495,265 Return on average common shareholders' equity (tangible), annualized 13.17% 14.99% 7.91% 12.09% 10.33% 10.30% 10.01% 13

NON-GAAP RECONCILIATION (CONTINUED) D ec 3 1, D ec 3 1, D ec 3 1, D ec 3 1, 2 0 18 2 0 17 2 0 16 2 0 15 (dollars in thousands) T ang ib le C o mmo n Eq uit y t o T ang ib le A sset s ( T C E R at io ) Shareholders' equity $ 2,246,252 $ 2,229,857 $ 2,121,115 $ 2,041,894 Less: Intangible assets (531,556) (531,556) (531,556) (531,556) Tangible shareholders' equity (numerator) $ 1,714,696 $ 1,698,301 $ 1,589,559 $ 1,510,338 Total assets $ 20,682,959 $ 20,036,905 $ 18,944,247 $ 17,914,718 Less: Intangible assets (531,556) (531,556) (531,556) (531,556) Total tangible assets (denominator) $ 20,151,403 $ 19,505,349 $ 18,412,691 $ 17,383,162 Tangible Common Equity to Tangible Assets 8 .51% 8 .71% 8 .6 3 % 8 .6 9 % T hree M o nt hs End ed D ec 3 1, Sep 3 0 , Y ear End ed D ec 3 1, 2 0 18 2 0 18 2 0 18 2 0 17 2 0 16 2 0 15 (dollars in thousands) Pre- Pro visio n N et R evenue Net interest income $ 162,944 $ 160,127 $ 630,456 $ 575,364 $ 520,772 $ 499,994 Non-interest income 49,523 51,033 195,525 207,974 190,178 181,839 Less: Investment securities gains - (14) (37) (9,071) (2,550) (9,066) Total Revenue 212,467 211,146 825,944 774,267 708,400 672,767 Non-interest expense 140,685 135,413 546,104 525,579 489,519 480,160 Less: Loss on redemption of TruPS - - - - - (5,626) Less: Amortization of tax credit investments (6,538) (1,637) (11,449) (11,028) - - Total Non-interest expense, as adjusted 134,147 133,776 534,655 514,551 489,519 474,534 Pre- Pro visio n N et R evenue $ 78,320 $ 77,370 $ 291,289 $ 259,716 $ 218,881 $ 198,233 14

NON-GAAP RECONCILIATION (CONTINUED) Reconciliation of Net Income; Net Income per share, diluted; and Selected Financial Ratios, adjusted to exclude the charge recognized in the fourth quarter of 2017 related to the re-measurement of net deferred tax assets: T hree M o nths Ended Year Ended D ec 31, D ec 31, 2017 2017 Diluted earnings per share Net income $ 34,001 $ 171,753 Plus: Re-measurement of net deferred tax assets 15,634 15,634 Net Income, adjusted (numerator) $ 49,635 $ 187,387 Weighted average shares (diluted) (denominator) 176,374 175,932 Net income per share, diluted $ 0.28 $ 1.07 Return on average assets Net income $ 34,001 $ 171,753 Plus: Re-measurement of net deferred tax assets 15,634 15,634 Net Income, adjusted (numerator) $ 49,635 $ 187,387 Average assets (denominator) $ 20,072,579 $ 19,580,367 Return on average assets, annualized 0.98% 0.96% Return on average shareholders' equity Net income $ 34,001 $ 171,753 Plus: Re-measurement of net deferred tax assets 15,634 15,634 Net Income, adjusted (numerator) $ 49,635 $ 187,387 Average shareholders' equity (denominator) $ 2,237,031 $ 2,193,863 Return on average shareholders' equity, annualized 8.80% 8.54% Return on average shareholders' equity (tangible) Net Income, as reported $ 34,001 $ 171,753 Plus: Re-measurement of net deferred tax assets 15,634 15,634 Net Income, adjusted (numerator) $ 49,635 $ 187,387 Average shareholders' equity $ 2,237,031 $ 2,193,863 Less: Average goodw ill and intangible assets (531,556) (531,556) Average tangible shareholders' equity (denominator) $ 1,705,475 $ 1,662,307 Return on average shareholders' equity (tangible), annualized 11.55% 11.27% 15

www.fult.com

EX-99.4

Exhibit 99.4

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASEMedia Contact: Laura Wakeley (717) 291-2616

Investor Contact: Jason Weber (717) 327-2394

Fulton Financial Announces Termination of

Consent Orders for The Columbia Bank

(January 15, 2019) - Lancaster, PA - Fulton Financial Corporation (NASDAQ: FULT) today announced that the Commissioner of Financial Regulation for the State of Maryland and the FDIC have terminated the Consent Orders those agencies issued on December 23 and December 24, 2014, respectively, to the Corporation’s bank subsidiary, The Columbia Bank.

These orders were originally issued for deficiencies in the Bank Secrecy Act and Anti-Money Laundering (“BSA/AML”) compliance program at that bank. Today’s announcement follows the company’s statements, released October 30, 2017, and August 9, 2018, that various regulatory agencies had terminated similar orders at four of the Corporation’s other banking subsidiaries.

"We are pleased that we continue to receive independent acknowledgement by our regulators of the progress we have made in strengthening our BSA/AML compliance programs,” said E. Philip Wenger, Fulton Financial’s Chairman and CEO. “We are confident that we are progressing toward achieving a similar resolution of the BSA/AML enforcement action that remains in place at our Lafayette Ambassador Bank subsidiary and the holding company. Once that order is terminated, we can fully pursue our strategic priority of consolidating our subsidiary banks into our flagship bank, Fulton Bank, N.A.”

Fulton Financial Corporation, a $20 billion Lancaster, Pa.-based financial holding company, has approximately 3,700 team members and operates more than 225 branches in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through four subsidiary banks.

Additional information on Fulton Financial Corporation can be found at www.fult.com.

# # #