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:	August 13, 2012
(Date of earliest event reported):	August 13, 2012

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)

P.O. Box 4887, One Penn Square Lancaster, Pennsylvania	17604
(Address of principal executive offices)	(Zip Code)

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

Former name or former address, if changed since last Report:  N/A

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:

[ ]	Written communications pursuant to Rule 425 under the Securities Act
[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act
[ ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
[ ]	Pre-commencement to communications pursuant to Rule 13e-4(c) under the Exchange Act

Item 7.01 - Regulation FD Disclosure.

 On August 13, 2012, Fulton Financial Corporation ("Fulton") posted a new corporate presentation (the “Corporate Presentation”) on its Investor Relations website at www.fult.com. The Corporate Presentation, attached as Exhibit 99.1 and incorporated by reference, updates previously filed presentations and provides an overview of Fulton's strategy and performance.

The Corporate Presentation attached as Exhibit 99.1 is being furnished to the SEC and shall not be deemed to be "filed" for any purpose.

In addition, E. Philip Wenger, president and COO of Fulton, and Charles J. Nugent, senior executive vice president and chief financial officer, are scheduled to make a presentation to attendees at the Raymond James Bank Conference in Chicago on August 14, 2012 at 11:35 a.m. Eastern Time. A live webcast of the presentation, which will include slides of this Corporate Presentation and audio, will be available via the Internet through Fulton's website at www.fult.com. (Click on Investor Relations, then click on the conference link at the top of the screen.) Please go to this website 15 minutes early to download and install any necessary audio software you may need to hear the audio portion of the presentation and also to view the Corporate Presentation slides. For those unable to listen to the live broadcast, a replay will be available for 7 days after the conference. There is no charge to access this event.

Item 9.01 - Financial Statements and Exhibits.

(d) Exhibits
Exhibit No.	Description
99.1	Fulton Corporate Presentation

2 

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: August 13, 2012 Fulton Financial Corporation     By:  /s/ Charles J. Nugent Charles J. Nugent Senior Executive Vice President and Chief Financial Officer  

3

EX-99.1

Investor Presentation

Data as of June 30, 2012

Ticker Symbol: FULT (NASDAQ)

§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.

§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.

§Many factors could affect future financial results including, without limitation: the impact of adverse changes in the
economy and real estate markets; increases in non-performing assets which may reduce the level of earning assets
and require the Corporation to increase the allowance for credit losses, charge-off loans and incur elevated collection
and carrying costs related to such non-performing assets; acquisition and growth strategies; market risk; changes or
adverse developments in political or regulatory conditions; a disruption in, or abnormal functioning of, credit and other
markets, including the lack of or reduced access to markets for mortgages and other asset-backed securities and for
commercial paper and other short-term borrowings; changes in the levels of, or methodology for determining, FDIC
deposit insurance premiums and assessments; the effect of competition and interest rates on net interest margin and
net interest income; investment strategy and other 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; relative balances of rate-sensitive assets to rate-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.

§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 Statements

2

About Us

§Mid-Atlantic financial holding company

§6 community banks / 5 states

§Fulton Financial Advisors

§Fulton Mortgage Company

§270 community banking offices

§Asset size:$16.3 billion

§3,800 team members

§Market capitalization:$ 2.0 billion

§Book value per common share: $ 10.16

§Tangible book value per common share: $ 7.46

§Shares outstanding: 200.9 million

3

§1. EPS Growth

§2. ROA Improvement

§3. Spread Management /Net Interest Margin

§4. Improve Asset Quality

§5. Deploy Capital Prudently

§6. Leverage Market Opportunities

§7. Profitable Organic / Acquisitive Growth

Corporate Goals and Priorities

4

Goals and Priorities

1. Earnings per Share Growth

üQ2/12 Diluted EPS: 20 cents

Up 5.3% linked quarter (19 cents)

Up 11.1% year over year (18 cents)

5

Income Statement Summary

6

Income Statement Summary
(Six Months Ended June 30th)

7

Ending Loans

8

Diluted EPS

9

10

CAGR = 6.7%

Non-Interest Income

11

12

Non-Interest Income
(Six Months Ended June 30th)

Non-Interest Income Growth

§Fulton Mortgage Company

§Significant Contributor to Non-interest Income

§Strong Pipeline with Low Rate Environment

§Leverage our Market Reputation and Brand

§Expanded Origination Staff

§Fulton Financial Advisors($4.0 billion A.U.M.)

§Brokerage Production Mix (non-recurring / recurring)

§Referrals from Commercial Bank

§Team Market Development

13

Fulton Mortgage Company

§Applications up linked quarter: $824
million from $812 million

§Pipeline $520 million vs. $428 million
(Q2/12 vs. Q1/12)

§39% purchase / 61% refinancing
(Q2/12)

§Sales gains up linked quarter

14

Fulton Mortgage Company

78%
Availabl
e for
Sale

GOS
Spread

1.42%

GOS
Spread

1.30%

GOS
Spread

1.55%

GOS
Spread

1.66%

84%
Available
for Sale

83%
Available
for Sale

71%
Availabl
e for
Sale

86%
Available
for Sale

GOS
Spread

1.58%

69%
Availabl
e for
Sale

($ in thousands)

Non-Interest Expenses

16

1. Enterprise-wide Risk Management
and Compliance

2. Core Platform Conversion

(Continuation of longstanding Fiserv Relationship)

3. Asset Quality Improvement

Priority Resource Commitments

17

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 June 30, 2012

Associated Banc-Corp

BancorpSouth, Inc.

BOK Financial Corporation

City National Corporation

Commerce Bancshares, Inc.

Cullen / Frost Bankers, Inc.

First Horizon National
Corporation

FirstMerit Corporation

First Niagara Financial Group, Inc.

Peer Group*

18

More Efficient Than Peers

19

* Comprised of the 50 largest publicly traded domestic banks/thrifts in asset size as of
December 31, 2011.Excludes credit card companies.Source : SNL.com

2. Improve Our Return on Assets

üQ2/12:0.98%

YTD 6/30/12:0.96%

Goals and Priorities

20

ROA Growth

21

ROA and Assets, by Bank

22

§3. Spread Management / Net Interest
Margin

§Q2/12: 3.78%

üCost of interest bearing liabilities: 0.93%

üYield on earning assets: 4.48%

Goals and Priorities

23

Net Interest Margin

24

6 month cumulative gap:1.10

Interest Rate Shocks(6/30/12)

Rate ChangeNII Change (Annual)% Change

+400 bp+ $70.5 million+ 13.0%

+300 bp+ $49.6 million+9.1%

+200 bp+ $28.2 million+5.2%

+100 bp+ $8.2 million+1.5%

- 100 bp-$17.1 million-3.1%

25

Deposit Composition

26

§4. Improve Asset Quality

Goals and Priorities

27

28

Allowance for Loan Losses to Loans

29

Non-performing Loans*(6/30/12)

30

Loan Delinquency

31

Construction Exposure

Construction Loans /
Total Loans

10.5%

8.2%

6.7%

5.1%

5.2%

32

33

Provision for Credit Losses

§5. Deploy Capital Prudently

Goals and Priorities

34

Total Risk-Based Capital Ratio

35

Capital Adequacy(6/30/12)

36

Capital Adequacy vs. Basel III

37

Tangible Book Value Per Share

38

CAGR = 10.9%

Price Multiple vs. Peer Group

39

Note:As of 8/06/2012

Deploying Capital

§Current Uses

§Support organic growth

§Increase our cash dividend

§Stock repurchase

§Potential Uses

§Acquisitions with right opportunities

40

FULT - Cash Dividend and Yield

41

CAGR (cash dividend) = 29.8%

§Program authorized: June 2012

§Initial shares purchased: July 2012

§Up to 5 million shares through 12/31/12

§About 2.5% of outstanding shares

§Shares repurchased as of market close
August 8, 2012:859,534

§Average purchase price:$ 9.37

Stock Repurchase Program

42

§6. Leverage Market Opportunities

Goals and Priorities

43

Superior Customer Experience

CARE,

LISTEN,

UNDERSTAND

and

DELIVER

44

§Top 3 Box Satisfaction: 84%

§Delivery on our Promise:

Top 3 Box 85%

*Survey Sample Size:4,897 customers

Retail Customer Satisfaction*

45

§Commercial Households:

§Up 2.9% YTD(5.8% annualized)

§Retail Households:

§Up 1.6% YTD(3.2% annualized)

§Net Household Lift:

§Up 1.7% YTD(3.4% annualized)

New Household Growth YTD

46

§Counties ranked #1 in deposit market share

§Lebanon, PA(Fulton Bank 31.2%)

§Snyder, PA(Swineford National Bank 30.3%)

§Salem, NJ (Fulton Bank of New Jersey 27.2%)

§Counties ranked #2 in deposit market share

§Lancaster, PA (Fulton Bank 22.7%)

§Montour, PA (FNB Bank 29.5%)

§Gloucester, NJ (Fulton Bank of New Jersey 13.2%)

§Washington, MD (The Columbia Bank 19.7%)

§Counties ranked #3 in deposit market share

§Northampton, PA (Lafayette Ambassador Bank 14.3%)

§Warren, NJ (Fulton Bank of New Jersey 11.0%)

§Howard, MD (The Columbia Bank 10.9%)

Top County Market Share (6/30/11)

47

§7. Profitable Organic /
Acquisitive Growth

Goals and Priorities

48

A Valuable Franchise

49

2012 Branch Expansion

50

§Optimal asset size: $ 500 million to
$2.5 billion (102 banks in footprint)

§Good fit geographically

§Earnings accretive /reasonable
tangible book dilution

§Culturally compatible

§Acceptable risk profile

§Meaningful existing market share

Acquisitive Growth

51

Fulton Financial Corporation

One Penn Square

Lancaster, PA17602

www.fult.com

Version 2012-08-13

Supplemental Information

Average Deposits

54

Interest Rates

Projected CD Maturities

56

Average Loans

57

§57 relationships with commitments to lend $20
million or more

§Maximum individual commitment: $39 million

§Maximum commitment to any builder/developer:
$28 million

§Maximum commitment to any one development project:
$15 million

§Average commercial lending relationship size is
$470,776

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

Summary of Larger Loans(6/30/12)

58

59

Net Charge-offs              (YTD June 2012)

60

61

Allowance for Loan Losses to Non-accrual Loans

62

Commercial Loans by Industry

63

Loan Distribution by State(6/30/12)

64

Residential Mortgages(6/30/12)

65

Residential Mortgage Repurchase Activity

First & Second Quarter:

§2012 - Servicing Retained

§ Repurchased$ 3,550,000.

§2012 - Servicing Released

§ Repurchased$610,000.

66

C&I Loans(6/30/12)

67

Commercial Real Estate Loans(6/30/12)

68

Construction Loans(6/30/12)

69

Construction Loans by Type(6/30/12)

70

Shared National Credits(6/30/12)

71

72

Note: Excludes non-accrual TDRs

Investment Portfolio(06-30-12)

73

Book Yield (monthly) 3.49%

Projected Investment Security Cash Flows

74

Investment MBS & CMO Cash Flows (2011-2012)

75

Book Price
$101.51

Book Price
$101.87

Book Price
$101.48

Book Price
$102.12

Investment Portfolio - Transactions (2ND Quarter 2012)

($ in Thousands)

76

Projected FHLB Advance Maturities

77

Fulton Financial Corporation

One Penn Square

Lancaster, PA17602

www.fult.com

Version 2012-08-13