exh99_1.htm

Fulton Financial
Corporation
-------------------------------------

Investor Presentation
Data as of March 31, 2011

n This presentation may contain forward-looking statements about Fulton Financial Corporation’s financial
condition, results of operations, business, strategies, products and services. You can identify forward-looking
statements by the use of words such as “may”, “should”, “will”, “could”, “estimates”, “predicts”, “potential”,
“continue”, “anticipates”, “believes”, “plans”, “expects”, “future” and “intends” and similar expressions
which are intended to identify forward-looking statements.

n Such forward-looking statements reflect the current beliefs and expectations of the Corporation’s
management, are based on estimates, assumptions and projections about the Corporation’s business and its
industry, and involve significant risks and uncertainties, some of which are beyond our control and difficult to
predict. These statements are not guarantees of future performance and actual results may differ materially
from those expressed or forecasted in the forward-looking statements. The Corporation undertakes no
obligation to update or revise any forward-looking statements, whether as a result of new information, future
events or otherwise. Accordingly, investors and others are cautioned not to place undue reliance on such
forward-looking statements.

n Many factors could affect future financial results including, without limitation, asset quality and the impact of
adverse changes in the economy and in credit or other markets and resulting effects on credit risk and asset
values; acquisition and growth strategies; market risk; changes or adverse developments in economic,
political or regulatory conditions; a continuation or worsening of the current disruption in credit and other
markets, including the lack of or reduced access to, and the abnormal functioning of markets for mortgages
and other asset-backed securities and for commercial paper and other short-term borrowings; changes in the
levels of Federal Deposit Insurance Corporation deposit insurance premiums and assessments; the effect of
competition and interest rates on net interest margin and net interest income; investment strategy and income
growth; investment securities gains and losses; declines in the value of securities which may result in charges
to earnings; changes in rates of deposit and loan growth or a decline in loans originated; balances of risk-
sensitive assets to risk-sensitive liabilities; salaries and employee benefits and other expenses; amortization
of intangible assets; goodwill impairment; capital and liquidity strategies; and other financial and business
matters for future periods.

n For a more complete discussion of certain risks and uncertainties affecting the Corporation, please see the
sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and
Results of Operations” set forth in the Corporation’s filings with the Securities and Exchange Commission.

Forward-Looking Statement

Presentation Outline

u Corporate Profile

u Overview of the First Quarter

u Credit

u Capital

u Financial Performance

u Corporate Priorities

u Supplemental Credit Data

Fulton Financial Profile (as of 3/31/11)

n Mid-Atlantic regional financial holding company

n A family of 7 community banks in 5 states

n Fulton Financial Advisors

n Fulton Mortgage Company

n 272 community banking offices

n Asset size: $ 16.0 billion

n 3,800 team members

n Market capitalization: $ 2.3 billion

n Book value per common share: $ 9.59

n Tangible book value per common share: $ 6.84

n Shares outstanding: 199.2 million

A Valuable Geographic Franchise

Superior Customer Experience

WE WILL CARE, LISTEN,
UNDERSTAND, AND DELIVER

Customer Satisfaction Metrics (12/31/10)

n Customers:

u Retail 93%

u Business 94%

u Fulton Mortgage Company 91%

Our Brand

COMMUNITY BANKING

SMALL BUSINESS

HIGH NET WORTH

RETAIL BANKING

Overview of the 1st Quarter

nEPS of 17 cents per diluted share, up from 16
cents Q4/10

nImprovement in key credit metrics

nContinued margin expansion

nIncreased our quarterly dividend

nGood expense control

Overview of the 1st Quarter / Credit

nReduction in non-performing loans

nLower charge-offs

nOverall reduction in delinquent loans

nLower provision for credit losses

nContinued decline in construction book

nIncrease in commercial line utilization

n 52 relationships with commitments to lend

of $20 million or more

n Maximum individual commitment: $33 million

n Maximum commitment land development:

$25 million

Ø Maximum commitment any one development
project: $15 million

n Average commercial lending relationship size is
$464,000

n Loans and corresponding relationships are
within Fulton’s geographic market area

Summary of Larger Loans (3/31/11)

Provision and Non-performing Loans

Provision

NPL’s / Loans

($ in millions)

Loan Delinquency (Key Sectors)

Category	Total (%) 03/31/11	90-Days 03/31/11	Total (%) 12/31/10	90-Days 12/31/10
Commercial Loans	2.83	2.33	2.72	2.36
Consumer Direct	1.46	0.64	1.50	0.66
Commercial Mortgage	2.87	2.21	2.70	2.14
Residential Mortgage	8.36	4.89	8.71	5.06
Construction	10.31	9.75	11.47	10.56
Total Portfolio	3.55	2.67	3.59	2.76

Declining Construction Exposure

(7%)

(23%)

(18%)

($ in millions)

Construction Loans /
Total Loans

12.2%

10.5%

8.2%

6.7%

(20%)

7.8%

6.3%

Commercial Loans by Industry (03/31/11)

Shared National Credits (03/31/11)

Fulton Mortgage Company

n Monitoring mortgage foreclosures
and secondary sale put-backs

n No material concerns at this time

n Decline in overall activity and sale
gains linked quarter

Foreclosures / Putbacks

n2010 - Servicing Retained

u Repurchased $ 1,235,000.

u Current Issues 531,660.

n2010 - Servicing Released

u Repurchased $ 344,400.

u Indemnified 505,700.

u Settled in 2010 31,250.

u Current issues $ 1,786,200.

Capital Adequacy (03/31/11)

Financial Performance

Income Statement Summary

Income Statement Summary (YTD March)

International Bancshares Corp.

People’s United Financial, Inc.

Susquehanna Bancshares, Inc.

Synovus Financial Corporation

TCF Financial Corporation

UMB Financial Corporation

Valley National Bancorp

Webster Financial Corporation

*Fulton’s peer group as of March 31, 2011

Associated BanCorp

BancorpSouth, Inc.

BOK Financial Corporation

City National Corporation

Commerce Bancshares

Cullen / Frost Bankers, Inc.

First Horizon National Corporation

First Merit Corporation

First Niagara Financial Group

Peer Group*

Net Interest Margin

Interest Rates (March 31st - Quarter)

6 month cumulative gap: 1.10

Interest Rate Shocks (03/31/11)

Rate Change NII Change (Annual) % Change

+400 bp + $ 81.9 million + 14.2%

+300 bp + $ 57.5 million + 10.0%

+200 bp + $ 33.1 million + 5.7%

+100 bp + $ 10.3 million + 1.8%

- 100 bp - $ 7.1 million - 1.2%

Average Loans (Q1 2011 vs. Q4 2010)

Average Loans (March 31st - Year to Date)

Average Loan Growth

Allowance for Loan Losses to Loans

Allowance for Loan Losses to Non-accrual Loans

Investment Portfolio (March 31, 2011)

Investment Portfolio - Municipal Holdings (03/31/11)

Investment Portfolio - Municipal Holdings by State (03/31/11)

Note: The municipal portfolio consists of 97% general obligation bonds.
School district issues total 72% of all holdings.

Investment Portfolio - Pooled TruPS Holdings (03/31/11)

Average Deposits (Q1 2011 vs. Q4
2010)

Average Deposits (March 31st - Year to Date)

Average Deposit Growth

Other Borrowings (March 31st - Year to Date)

Other Income (Q1 2011 vs. Q4 2010)

Other Income (March 31st - Year to Date)

More Efficient Than Peers

Other Expense (Q1 2011 vs. Q4 2010)

Other Expense (March 31st - Year to Date)

Income Statement Summary (YTD December)

Retail Loan / Deposit Growth

n Consistent core checking promotional activity

n Increase products and services per HH

n Relationship depth and rewards

n Differentiated customer experience

n Leverage previous Forbes designation

n Improve customer satisfaction metrics

n Targeted consumer / home equity growth as
confidence improves

n New branch prototype

Branch Exterior

Branch Interior

Small Business Loan / Deposit Growth

n Focused small business prospecting in
primary branch market areas

n Obtain core banking / investment
relationships from business owners

n Leverage expertise of relationship teams

n Leverage our Online Business Resource
Center

n Increase accounts and services per
commercial relationship

n Increase small business credit availability

Commercial and Industrial Growth

n Leverage existing and develop new
relationships with center of influence
accountants and attorneys

n Relationship Manager staff expansion to
increase revenue production

n Integrate FFA employee benefit expertise
into commercial relationships

n Stabilize construction book after managed
decline

Non-Interest Income Maximization

n Fulton Financial Advisors

u Brokerage

u Wealth Management

u Institutional

n Fulton Mortgage Company

u Increased origination staff in all markets

u Leverage strong local market presence,
reputation, and customer satisfaction

u Expect rise in purchase activity as confidence
improves , currently 61% of volume

Corporate Priorities

n Improve asset quality

n Superior customer experience

n Earning asset growth

n Increase the dividend

n Maximize non-interest income

n Leverage opportunities created by
regulatory change

n Risk mitigation and management

Fulton Financial Corporation

One Penn Square

Lancaster, PA 17602

www.fult.com

Supplemental Credit
Information

Net Charge-offs (Recoveries) (Q1 2011)

Non-performing Loans* (03/31/11)

Loan Delinquency (Key Sectors) YOY

Category	Total (%) 03/31/11	90-Days 03/31/11	Total (%) 03/31/10	90-Days 03/31/10
Commercial Loans	2.83	2.33	2.84	2.13
Consumer Direct	1.46	0.64	1.75	0.81
Commercial Mortgage	2.87	2.21	3.00	1.63
Residential Mortgage	8.36	4.89	8.02	4.45
Construction	10.31	9.75	10.67	8.48
Total Portfolio	3.55	2.67	3.72	2.39