exhibit.htm

Investor Presentation

Data as of March 31, 2013

(unless otherwise noted)

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.

§ In our quarterly earnings releases and other material news releases which are available on
our website at www.fult.com, we include our safe harbor statement on forward-looking
statements; we refer you to that portion of those news releases and the safe harbor
statement is incorporated into this presentation.

§ For a more complete discussion of certain risks and uncertainties affecting Fulton, please see
the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial
Condition and Results of Operations” set forth in Fulton’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 as of March 31, 2013: $16.7 billion

§ 3,800 team members as of March 31, 2013 (3,580 FTEs)

§ Shares outstanding as of March 31, 2013: 195.3 million

§ Market capitalization as of March 31, 2013: $ 2.3 billion

§ Book value per share as of March 31, 2013: $10.56

§ Tangible book value per share as of March 31, 2013(1):
$7.82

(1) Non-GAAP based financial measure. Please refer to the calculation and management’s reason for using
this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation.

A Valuable Franchise

1. Earnings Per Share (EPS) Growth

2. Quality Loan Growth

3. Improve Asset Quality

4. Core Deposit / Household Growth

5. Spread Management / Net Interest Margin

6. Expense Management

7. Increase Return on Average Assets (ROA) &
Return on Average Equity (ROE)

Corporate Priorities

Priorities: EPS

1. EPS Growth

üQ1 2013 Diluted EPS : 20 cents

Up 5.3% compared to Q1 2012

Flat compared to Q4 2012

Diluted Earnings Per Share (Quarterly)

Income Statement Summary

N/M- Not meaningful

2. Quality Loan Growth

ü Average loans up 2% linked
quarter

Priorities: Earning Asset Growth

Average Loans

Ending Loans

International Bancshares Corp.

People’s United Financial, Inc.

Prosperity Bancshares, Inc.

Susquehanna Bancshares, Inc.

TCF Financial Corporation

UMB Financial Corporation

Umpqua Holdings Corporation

Valley National Bancorp

Webster Financial Corporation

Wintrust Financial Corporation

Associated Banc-Corp

BancorpSouth, Inc.

BOK Financial Corporation

City National Corporation

Commerce Bancshares, Inc.

Cullen/Frost Bankers, Inc.

F.N.B. Corporation

FirstMerit Corporation

Hancock Holding Company

IBERIABANK Corporation

Peer Group*

*Fulton’s Peer group as of March 31, 2013

Note: 2006 through 2012 represents year-over-year change in average loans. YTD 3/31 represents March 31, 2013 over December 31,
2012 change in average loans.

*Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012. Excludes credit card
companies.

Source: SNL Financial LC

3. Improve Asset Quality

Priorities: Credit Metrics

* Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012.
Excludes credit card companies.

Source: SNL Financial LC

* Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012.
Excludes credit card companies.

Source: SNL Financial LC

Non-performing Loans* (3/31/13)

* Includes loans > 90 days past due and accruing and non-accrual loans.

Loan Delinquency

Provision for Credit Losses (Quarterly, in Millions of Dollars)

4. Core Deposit / Household
Growth

2012 Net Account Lift (#): 2.8%

Priorities: Deposits

Deposit Composition

Note: Deposit composition is based on quarterly average balances for the periods indicated.

Priorities: Deposits

(1) Annual retail customer satisfaction surveys conducted by FFC’s Marketing Research Group. Areas covered: Overall Customer
Satisfaction and likelihood to recommend the bank; Customer experience; Specific issues of problems experience by
customers; Motivating factors to bank with us.

(2) Results based on 10,926 completed customer surveys.

(3) Results based on 4,897 completed customer surveys.

5. Spread Management / Net Interest
Margin

§ Q1 2013 Net Interest Margin (fully-taxable equivalent):
3.55%

ü Yield on average interest-earning assets: 4.13%

ü Cost of average interest-bearing liabilities: 0.78%

Priorities: Margin

Net Interest Margin (Quarterly)

Note: Fully-taxable equivalent

*Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012.
Excludes credit card companies.

Source: SNL Financial LC

6. Expense Management

Priorities: Efficiency

Non-Interest Expenses

More Efficient Than Peers (1)

(1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled
“Non-GAAP Reconciliation” at the end of this presentation.

* Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012. Excludes credit card
companies.

Source: SNL Financial LC

ROA

Q1 2013: 0.96%

Q4 2012: 0.99%

Priorities: ROA and ROE

ROE (Tangible) (1)

Q1 2013: 10.43%

Q4 2012: 10.53%

(1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using
this measure on the slide titled “Non-GAAP Reconciliation at the end of this presentation.

7. Increase ROA and ROE

Return on Average Assets
and Average Assets, by Bank

Return on Average Assets (ROA) Growth

Note: 2006 through 2012 represents year-over-year ROA growth. YTD 3/31 represents March 31, 2013 over March 31, 2012 ROA growth.

*Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012. Excludes credit card companies.

Source: SNL Financial LC

Total Risk-Based Capital Ratio

Capital Adequacy (3/31/13)

Capital Adequacy vs. Basel III (3/31/13)

Tangible Book Value Per Share (1)

CAGR (2) = 9.6%

(1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using
this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation.

(2) Compounded annual growth rate from March 31, 2010 to March 31, 2013.

Price Multiple vs. Peer Group

Notes: Peer Tangible Book Value and LTM EPS data as of 3/31/2013. Source: SNL Financial LC

FULT Tangible Book Value and LTM EPS data as of 3/31/2013.

(1) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this

measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation.

FULT - Cash Dividend and Yield(1)

CAGR (2) = 27.8%

(1) Annualized dividend rate per share divided by period-end stock price.

(2) Compounded annual growth rate in cash dividend from March 31, 2009 to March 31, 2013.

§ New program authorized: January, 2013

§ Purchase of up to 8 million shares
through June 30, 2013

§ About 4 % of outstanding shares

§ Shares repurchased through May 13,
2013: 6.0 million

§ Average purchase price: $ 11.08

Stock Repurchase Program

Supplemental Information

Average Deposits

CAGR (1) = 7.2%

(1) Compounded annual growth rate from year-ended December 31, 2003 to year-ended
December 31, 2012.

Non-Interest Income

Interest Rates

(1) Fully-taxable equivalent

Interest Rate Shocks (3/31/13)

Rate Change

% Change

+400 bps

65,850

million

12.7%

+300 bps

45,182

million

8.7%

+200 bps

27,711

million

5.4%

+100 bps

7,322

million

1.4%

-100 bps

(18,327)

million

-3.5%

1.06

Net Interest Income

Change (annual)

6-Month Cumulative GAP:

Projected CD Maturities

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

§ Maximum individual commitment: $39 million

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

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

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

Summary of Larger Loans (3/31/13)

Net Charge-offs (Recoveries) (YTD March 2013)

* Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012.
Excludes credit card companies.

Source: SNL Financial LC

Allowance for Loan Losses to Non-accrual Loans

* Comprised of the 50 largest publicly traded domestic banks/thrifts in assets size as of December 31,2012.
Excludes credit card companies.

Source: SNL Financial LC

Commercial Loans by Industry (3/31/13)

Loan Distribution by State (3/31/13)

Residential Mortgages (3/31/13)

(1) NPL - Non-performing loans. Includes accruing loans > 90 days past due and non-accrual loans.

Fulton Mortgage Company

§ Applications $701 million vs. $729
million (End Q1 2013 vs. End Q4 2012)

§ Pipeline $386 million vs. $463 million
(End Q1 2013 vs. End Q4 2012)

§ 37% purchase / 63% refinancing (Q1
2013)

Fulton Mortgage Company

69%
Available for
Sale

GOS
Spread

1.58%

GOS
Spread

1.66%

GOS
Spread

1.62%

70%
Available
for Sale

86%
Available
for Sale

88%
Available for
Sale

82%
Available
for Sale

GOS
Spread

2.37%

81%
Available for
Sale

($ in thousands)

Residential Mortgage Repurchase Activity

Year to date through March 31, 2013:

§Servicing Retained

§ Repurchased $1,274,000.

§Servicing Released

§ Repurchased $ 0

Commercial Loans (3/31/13)

(1) NPL - Non-performing loans. Includes accruing loans > 90 days past due and non-accrual loans.

Commercial Mortgages (3/31/13)

(1) NPL - Non-performing loans. Includes accruing loans > 90 days past due and non-accrual loans.

Construction Loans (3/31/13)

(1) NPL - Non-performing loans. Includes accruing loans > 90 days past due and non-accrual loans.

Construction Loans by Type (3/31/13)

Construction Exposure (in millions, 3/31/13)

Construction Loans /
Total Loans

10.5%

8.2%

6.7%

5.1%

4.8%

Shared National Credits

Note: Excludes non-accrual troubled debt restructurings.

Investment Portfolio (3-31-13)

Book Yield (monthly) 2.78%

Projected Investment Security Cash Flows

Investment MBS & CMO Cash Flows (2012-2013)

Book Price
$102.12

Investment Portfolio - Transactions (1st Quarter 2013)

($ in Thousands)

Does not include $1.1 million bank stock gains for the first quarter of 2013 or
$64,000 of gains related to 2012 sales

Projected FHLB Advance Maturities

Non-GAAP Reconciliation

Note: The Corporation has presented the following non-GAAP (Generally Accepted Accounting Principals) financial measures
because it believes that they provide useful and comparative information to assess trends in the Corporation's quarterly results of
operations. Presentation of the following 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.

Non-GAAP Reconciliation (con’t)

Fulton Financial Corporation

One Penn Square

Lancaster, PA 17602