ffc8k.htm

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

	Date of Report:	September 5, 2012
	(Date of earliest event reported):	September 5, 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 September 5, 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, R. Scott Smith, Jr., chairman and chief executive officer of Fulton, E. Philip Wenger, president and chief operating officer and Charles J. Nugent, senior executive vice president and chief financial officer, are scheduled to make a presentation to attendees at the 2012 Barclays Global Financial Services Conference in New York City on September 11, 2012 at 11:15 a.m. Eastern Time. A live webcast of the presentation, which will include slides of this Corporate Presentation, 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 slides. For those unable to listen to the live broadcast, a replay will be available for 30 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

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: September 5, 2012	Fulton Financial Corporation By: /s/ E. Philip Wenger E. Philip Wenger President and Chief Operating Officer

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 *

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 *

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 *

Goals and Priorities 1. Earnings per Share Growth Q2/12 Diluted EPS: 20 cents Up 5.3% linked quarter (19 cents) Up 11.1% year over year (18 cents) *

Income Statement Summary *

Income Statement Summary (Six Months Ended June 30th) *

Non-Interest Income (in millions) * CAGR = 6.7%

Non-Interest Income *

* 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 *

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 *

Non-Interest Expenses *

1. Enterprise-wide Risk Management and Compliance 2. Core Platform Conversion (Continuation of longstanding Fiserv Relationship) 3. Asset Quality Improvement Priority Resource Commitments *

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* *

More Efficient Than Peers * * 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 Q2/12: 0.98% YTD 6/30/12: 0.96% Goals and Priorities *

ROA and Assets, by Bank *

3. Spread Management / Net Interest Margin Q2/12: 3.78% Cost of interest bearing liabilities: 0.93% Yield on earning assets: 4.48% Goals and Priorities *

Net Interest Margin *

6 month cumulative gap: 1.10 Interest Rate Shocks (6/30/12) Rate Change NII 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% *

Deposit Composition *

4. Improve Asset Quality Goals and Priorities *

Non-accrual Loans to Loans *

Allowance for Loan Losses to Loans *

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

Construction Exposure Construction Loans / Total Loans 10.5% 8.2% 6.7% 5.1% 5.2% *

* Provision for Credit Losses

5. Deploy Capital Prudently Goals and Priorities *

Total Risk-Based Capital Ratio *

Capital Adequacy (6/30/12) *

Capital Adequacy vs. Basel III *

Tangible Book Value Per Share * CAGR = 10.9%

Price Multiple vs. Peer Group * 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 *

FULT – Cash Dividend and Yield * 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 31, 2012: 1,818,627 Average purchase price: $ 9.59 Stock Repurchase Program *

6. Leverage Market Opportunities Goals and Priorities *

Superior Customer Experience CARE, LISTEN, UNDERSTAND and DELIVER *

Top 3 Box Satisfaction: 84% Delivery on our Promise: Top 3 Box 85% *Survey Sample Size: 4,897 customers Retail Customer Satisfaction* *

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 *

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) *

7. Profitable Organic / Acquisitive Growth Goals and Priorities *

A Valuable Franchise *

2012 Branch Expansion *

Optimal asset size: $ 300 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 *

Fulton Financial Corporation One Penn Square Lancaster, PA 17602 www.fult.com Version 2012-09-05

Supplemental Information

Projected CD Maturities *

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) *

Average Loan Growth (vs. prior year period) *

Net Charge-offs (YTD June 2012) *

Net Charge-Offs To Average Loans *

Allowance for Loan Losses to Non-accrual Loans *

Commercial Loans by Industry *

Loan Distribution by State (6/30/12) *

Residential Mortgages (6/30/12) *

Fulton Mortgage Company 78% Available 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% Available for Sale 86% Available for Sale GOS Spread 1.58% 69% Available for Sale ($ in thousands) 65

Residential Mortgage Repurchase Activity First & Second Quarter: 2012 – Servicing Retained Repurchased $ 3,550,000. 2012 – Servicing Released Repurchased $ 610,000. *