2 Forward-Looking Statement Disclosure This presentation should be read in conjunction with the consolidated financial statements, notes and tables in First Financial Bancorp’s most recent
Annual Report on Form 10-K for the year ended December 31, 2008. Management’s analysis contains forward-looking statements that are provided to assist in the understanding of anticipated future financial
performance. However, such performance involves risk and uncertainties that may cause actual results to differ materially. Factors that could cause
actual results to differ from those discussed in the forward-looking statements include, but are not limited to, management’s ability to effectively
execute its business plan; the risk that the strength of the United States economy in general and the strength of the local economies in which First
Financial conducts operations continue to deteriorate, resulting in, among other things, a further deterioration in credit quality or a reduced demand
for credit, including the resultant effect on First Financial’s loan portfolio, allowance for loan and lease losses and overall financial purpose; the
ability of financial institutions to access sources of liquidity at a reasonable cost; the impact of recent upheaval in the financial markets and the
effectiveness of domestic and international governmental actions taken in response, such as the U.S. Treasury’s TARP and the FDIC’s Temporary
Liquidity Guarantee Program, and the effect of such governmental actions on First Financial, its competitors and counterparties, financial markets
generally and availability of credit specifically, and the U.S. and international economies, including potentially higher FDIC premiums arising from
participation in the Temporary Liquidity Guarantee Program or from increased payments from FDIC insurance funds as a result of depository
institution failures; the effects of and changes in policies and laws of regulatory agencies, inflation, and interest rates; technology changes; mergers
and acquisitions, including costs or difficulties related to the integration of acquired companies; expected cost savings in connection with the
consolidation of recent acquisitions may not be fully realized or realized within the expected time frames; and deposit attrition, customer loss and for
revenue loss following completed acquisitions may be greater than expected; the effect of changes in accounting policies and practices; adverse
changes in the securities and debt markets; First Financial’s success in recruiting and retaining the necessary personnel to support business growth
and expansion and maintain sufficient expertise to support increasingly complex products and services; the cost and effects of litigation and of
unexpected or adverse outcomes in such litigation; uncertainties arising from First Financial’s participation in the TARP, including impacts on
employee recruitment and retention and other business practices, and uncertainties concerning the potential redemption of the U.S. Treasury’s
preferred stock investment under the program, including the timing of, regulatory approvals for, and conditions placed upon, any such redemption;
and First Financial’s success at managing the risks involved in the foregoing. For further discussion on these and other factors that may cause such forward-looking statements to differ materially from actual results, refer to the
2008 Form 10-K and other public documents filed with the Securities and Exchange Commission (SEC), as well as the company’s most recent
Form 10-Q filings. These documents are available within the investor relations section of First Financial’s website at
and on the SEC's website at .

³ Issued 13.8 million shares of common stock resulting in net proceeds of $98 million Overall credit quality remained relatively strong throughout most of the economic downturn 2009 results impacted by higher credit costs reflecting the continued adverse impact of the prolonged downturn Stress primarily in commercial and commercial construction real estate portfolios Credit metrics, although higher than historical levels, remain relatively strong compared with industry and peer
levels Well positioned to endure economic challenges Adequate capital cushion in the event of a more severe and/or prolonged downturn Managing the company with a long-term view 3 Investment Highlights Strong operating fundamentals, including healthy capital and liquidity
levels, produced positive results throughout the recessionary period
positioning the company to capitalize on strategic opportunities Year-to-date initiatives Made significant advancement in strategic operating markets Acquired 19 banking centers in key Cincinnati MSA from Peoples
Community Bank in FDIC-assisted transaction ³ ¹ Total Assets: $7.3 billion Total Loans: $4.9 billion Total Deposits: $5.8 billion ² ¹ Nasdaq: FFBC Shares Outstanding: 51.4 million Market Capitalization: $620 million YTD-2009 Average Daily Trading Volume: 329,000 shares ² October 31, 2009 Irwin Union Bank and Trust Company and Irwin Union Bank, F.S.B. (Irwin)

Recent Acquisitions Purchased $145 mm
in select performing
commercial and
consumer loans Purchased 19 banking
centers, $521 mm in
deposits and $336 mm
in loans from Peoples
in FDIC-assisted
transaction ¹ Purchased 3 banking
centers in Indiana
from Irwin, $85 mm in
deposits and $41 mm
in select performing
commercial and
consumer loans Purchased 27 banking
centers, $2.5 bn in
deposits and $1.8 bn
in loans from Irwin
in FDIC-assisted
transaction ¹ Successfully
integrate recent
transactions and
continue to evaluate
opportunities in this
dislocated market;
don’t lose sight of
legacy business FDIC Irwin September 18, 2009 Irwin Banking Centers August 28, 2009 FDIC Peoples July 31, 2009 Irwin Loans June 30, 2009 Future Supplements organic growth strategy in core markets Transactions met all internal criteria Core philosophy & strategy remains unchanged 5 Estimated fair market value of loans and deposits

Further solidifies position in this very attractive market Accelerates growth-market expansion strategy by several years Acquisition is compelling relative to cost and time to build 19 profitable de novo banking centers Assets, at estimated fair value Including cash received from the FDIC, acquired $566.0 million in assets, including $336.1 million in
loans and other real estate Liabilities, at estimated fair value $584.7 million in liabilities $520.8 million in deposits Technology conversion and operational integration completed Consolidated 3 banking centers 96 former Peoples associates accepted full-time positions, primarily within the retail banking center
network 8 Transaction Overview Based on deposits in market at 06/30/09; source: SNL & FDIC

11 Transaction Overview Earning Assets Book Balance Fair Value Average Months to Maturity Effective Interest Rate Interest bearing deposits in other banks, the Federal Reserve and federal funds sold 133.2 $ 133.2 $ - 0.24% Investment securities 65.6 1 65.6 1 19.8 3.04% Loans Single family residential real estate and HELOCs 204.4 142.0 48.2 6.25% Commercial real estate 1,304.9 1,005.1 57.9 9.45% Real estate construction and land 72.1 49.5 12.8 10.01% Installment and consumer 20.3 19.4 11.3 10.00% Commercial and industrial 635.5 559.0 27.9 9.50% Total loans 2,237.2 1,775.0 Total earning assets 2,436.0 $ 1,973.8 $ 1 Excludes $4.7 million of FRB stock that was mandatorily redeemed on October 1, 2009 September 18, 2009 ($ in millions) Schedule of Earning Assets Acquired

Loss Share Covered Assets Loss Share
Covered
Assets billion in fair value Purchase excluded ORE, acquisition,
development and construction loans
(“ADC”), residential and commercial
land loans Loss Share
Agreement million, no
first loss position
and million
million million) is
significantly less than the asset discount Uncovered
Assets Cash (at book value), securities (at fair
market value) and other tangible assets 12 Loss Share
Covered
Assets million in fair value Purchase excluded ORE, acquisition,
development and construction loans
(“ADC”), residential and commercial
land loans Loss Share
Agreement million, no
first loss position
and million
million million) is
significantly less than the asset discount Uncovered
Assets Cash (at book value), securities (at fair
market value) and other tangible assets Assets Acquired from Irwin Union Bank & Trust Company Assets Acquired from Irwin Union Bank F.S.B.

17
September 30, 2009 Credit quality trends remained relatively stable and within expected range throughout most of the economic
downturn Reflects discipline of originating loans within existing footprint, strong underwriting policies, and proactive management
of resolution strategies for problem credits Year-to-date 2009 experiencing higher credit costs reflecting the continued adverse impact of the prolonged downturn Stress primarily in commercial and commercial construction real estate portfolios ² Sold entire $34.5 million portfolio of shared national credits resulting in a net charge-off of $2.2 million Certain credit metrics may remain volatile and at historically higher levels until economic conditions begin to show
consistent improvement over several quarters Excludes covered assets Third quarter 2009 compared with second quarter 2009 Net of loan sale 3Q-09 2Q-09 1Q-09 4Q-08 3Q-08 2008 2007 2006 3 Net Charge-Off Ratio 1.31% 1.19% 0.55% 0.73% 0.36% 0.47% 0.24% 0.48% Nonperforming Loans / Loans 2.21% 1.31% 0.91% 0.68% 0.53% 0.68% 0.56% 0.44% Reserve Ratio 1.94% 1.34% 1.33% 1.34% 1.14% 1.34% 1.12% 1.10% Reserves / Nonperforming Loans 87.7% 102.3% 146.4% 197.3% 216.2% 197.3% 197.9% 252.8% Year Quarter Credit Quality Trends

18 Peer Group I is comprised of approximately 99 bank holding companies located throughout the United States with total asset size ranging from $3 - $10 billion Peer Group II is comprised of approximately 30 bank holding companies conducting business primarily in Ohio, Kentucky and Indiana; 3Q-09 includes data from 22 companies Source: Peer Group median data obtained from SNL Financial Texas Ratio (Total Nonperforming Assets to Tangible Equity + Loan Loss Reserves) Credit Quality (excludes covered assets) 28.53% 10.10% 9.90% 11.06% 32.53% 22.51% 6.61% 5.76% 5.15% 8.29% 10.46% 14.49% 17.71% 18.54% 27.69% 12.07% 13.84% 19.01% 21.62% 20.46% 22.04% 25.72% 10.10% 9.47% 5.93% 6.03% 6.12% 6.21% 6.77% 6.53% 6.10% 7.73% 4.75% 1Q-07 2Q-07 3Q-07 4Q-07 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09 Peer Group I (size) Peer Group II (geography) FFBC

19 Net Charge-offs to Average Loans & Leases 1 0.20% 2Q-09: includes higher charge-offs related to one commercial real estate construction relationship (20 basis points) and two separate and unrelated floor plan relationships (55 basis points); 3Q-09: includes a charge-off related to the sale of the entire shared national credit portfolio (30 basis points) 1 0.55% 0.30% Credit Quality (excludes covered assets) Peer Group I is comprised of approximately 99 bank holding companies located throughout the United States with total asset size ranging from $3 - $10 billion Peer Group II is comprised of approximately 30 bank holding companies conducting business primarily in Ohio, Kentucky and Indiana Source: Peer Group median data obtained from SNL Financial 0.89% 1.24% 0.38% 0.36% 0.46% 0.60% 0.85% 1.31% 0.94% 0.74% 0.10% 0.19% 0.28% 0.28% 0.33% 0.47% 0.15% 1.00% 1.19% 0.65% 0.22% 0.24% 0.37% 1.19% 0.22% 0.23% 0.23% 0.26% 0.40% 0.40% 0.36% 0.73% 0.55% 1Q-07 2Q-07 3Q-07 4Q-07 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09 Peer Group I (size) Peer Group II (geography) FFBC

20 Allowance for Loans & Leases to Nonperforming Loans Credit Quality (excludes covered assets) Peer Group I is comprised of approximately 99 bank holding companies located throughout the United States with total asset size ranging from $3 - $10 billion Peer Group II is comprised of approximately 30 bank holding companies conducting business primarily in Ohio, Kentucky and Indiana; 3Q-09 includes data from 23 companies Source: Peer Group median data obtained from SNL Financial 260% 222% 209% 162% 152% 101% 90% 90% 72% 66% 62% 141% 151% 155% 136% 100% 80% 79% 76% 70% 68% 67% 187% 212% 198% 195% 193% 216% 197% 146% 102% 88% 241% 1Q-07 2Q-07 3Q-07 4Q-07 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09 Peer Group I (size) Peer Group II (geography) FFBC

21 Nonperforming Loans to Total Loans Credit Quality (excludes covered assets) Peer Group I is comprised of approximately 99 bank holding companies located throughout the United States with total asset size ranging from $3 - $10 billion Peer Group II is comprised of approximately 30 bank holding companies conducting business primarily in Ohio, Kentucky and Indiana; 3Q-09 includes data from 23 companies Source: Peer Group median data obtained from SNL Financial 2.84% 0.83% 0.76% 0.70% 0.91% 1.19% 1.46% 2.04% 2.31% 2.65% 3.42% 3.76% 3.47% 2.21% 0.55% 0.49% 0.43% 0.65% 0.81% 1.12% 1.46% 1.62% 2.21% 1.31% 0.59% 0.53% 0.56% 0.58% 0.57% 0.53% 0.68% 0.91% 0.45% 1Q-07 2Q-07 3Q-07 4Q-07 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09 Peer Group I (size) Peer Group II (geography) FFBC

22 Nonperforming Assets to Total Assets Credit Quality (excludes covered assets) Peer Group I is comprised of approximately 99 bank holding companies located throughout the United States with total asset size ranging from $3 - $10 billion Peer Group II is comprised of approximately 30 bank holding companies conducting business primarily in Ohio, Kentucky and Indiana; 3Q-09 includes data from 23 companies Source: Peer Group median data obtained from SNL Financial 2.63% 0.64% 0.62% 0.67% 0.60% 0.94% 1.16% 1.47% 1.68% 2.04% 2.61% 2.37% 1.81% 0.44% 0.40% 0.35% 0.56% 0.69% 0.94% 1.25% 1.43% 2.59% 0.94% 1.14% 0.52% 0.51% 0.51% 0.53% 0.55% 0.53% 0.60% 0.75% 0.42% 1Q-07 2Q-07 3Q-07 4Q-07 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09 Peer Group I (size) Peer Group II (geography) FFBC

23 Capital Excess consolidated capital of $380.5 million over
regulatory minimum required level Based on “well-capitalized” requirements, can
support bank-level asset growth up to $2.4 billion Announced dividend reduction to common
shareholders in January 2009 Further improved already strong capital levels Preserved approximately $8.9 million in common equity year-to-date 2009 Positions the company to weather the economic challenges while still taking advantage of select growth
opportunities Long-term targeted dividend payout range is between 40% and 60% of earnings available to common
shareholders Committed to maintaining a strong capital base Will continue to take steps to ensure capital position remains sound throughout this period of economic
uncertainty Capital generated from acquisitions expected to support the acquired assets as well as future growth and
expansion opportunities Ratio 3Q-09 Target Regulatory "well-capitalized" minimum EOP Tangible Equity / EOP Tangible Assets 8.57% 6.75% - 7.25% N/A EOP Tangible Common Equity / EOP Tangible Assets 7.48% N/A N/A Leverage Ratio 14.60% 8.00% - 8.50% 5% Total Risk-Based Capital Ratio 17.46% 11.50% - 12.00% 10%

Capital Raise 24 Common Share Offering Completed a public offering of 13.8 million shares at $7.50 per share Net proceeds of approximately $98 million after deducting underwriting discounts,
commissions and estimated offering expenses Positively impacted already strong capital levels Additional capital raised during the second quarter of 2009 will reduce the number of
common shares eligible for purchase by the U.S. Treasury by 50% to 465,116
shares ² Net proceeds from the offering supports Organic growth in key markets Acquisitions and other business combinations and strategic opportunities, including
the recent Peoples and Irwin acquisitions June 8, 2009 through September 30, 2009 Associated with the sale of perpetual preferred securities to the U.S. Treasury under its Capital Purchase Program, the U.S. Treasury received one warrant to purchase 930,233 shares of FFBC common stock at an exercise price of $12.90 per share

27 Growth Plan Primary focus and value creation is through organic growth in key regional markets 2008 expansion included a commercial lending team in Indianapolis (IN), a new business office
and banking center in Kettering (OH) and a new banking center in Crown Point (IN) Year-to-date 2009 plans included opening additional banking centers, including further
expansion within strategic operating markets Made significant advancement with the addition of 39 banking centers through acquisitions Built 3 new banking centers in Cincinnati (OH), St. Marys (OH) and Edgewood (KY) Acquisitions can advance market position and accelerate the timing of market share
compared with an organic growth only strategy Pricing must be disciplined and favorable compared with the longer-term organic growth only
strategy Ohio, Indiana, Kentucky and Michigan where there is a strategic and geographic fit Size and growth potential to help achieve corporate financial targets Recent acquisitions expands presence in key metropolitan markets and leverages the First
Financial brand to increase market share

30 Third Quarter 2009
Results Reported net income available to common shareholders of $225.2 million or $4.38 per diluted common share Results were impacted by the following significant items Irwin transaction: the estimated fair value of assets acquired exceeded the estimated fair value of liabilities
assumed, resulting in an after-tax bargain purchase gain of $241.0 million ¹ Peoples transaction: the estimated fair value of liabilities assumed exceed the estimated fair value of assets
acquired, resulting in the recognition of goodwill in the amount of approximately $18.7 million Increased credit costs, including higher provision expense and elevated net charge-offs Net interest income increased $8.0 million from 3Q-08 and $6.2 million from 2Q-09 Net interest margin declined 9 basis points from 3Q-08 and 1 basis point from 2Q-09 Deposit and consumer-based fee income components of noninterest income showing improvement over prior
quarters Core operating expenses primarily unchanged although there were some higher expenses related to general
growth, market expansion and incentive compensation Acquisition-related costs were comprised of legal, professional, technology and other integration costs Increased staffing and occupancy due to additional associates and banking centers that were added during the
quarter Continued strong capital and liquidity levels As required by FASB Codification Topic 805

Investments Consumer Loans Residential Mortgages Commercial Loans & Leases YTD-2009 FY-2008 FY-2007 FY-2006 12% 14% 14% 20% 17% 15% 13% 24% 20% 16% 45% 53% 57% 58% 12% 10% 34 YTD-2009 = January 1, 2009 – September 30, 2009 Yield presented is not tax-equivalent Excludes covered loans acquired under loss share agreements 6.6% 6.9% 5.9% Average
Earning Assets End of Period
Loan Portfolio Composition 8.0% 6.7% 5.5% 6.5% 8.0% 7.9% 7.1% 5.6% 7.9% 8.2% 5.7% 6.1% 5.6% 7.8% 5.7% Yield Earning Assets & ¹ 3.9% 7.5% 5.4% 4.4% 5.1% 4.9% 28% 30% 30% 27% 45% 40% 33% 29% 12% 14% 21% 26% 4% 5% 6% 9% 11% 11% 10% 9% 2006 2007 2008 09/30/09 Commercial Commercial RE Residential Mortgages Installment Home Equity

35 ¹ Loan balances include $41.1 million in loans purchased on 08/28/09, but exclude covered loans acquired in 3Q-09 under loss share agreements Linked-quarter percentage growth is annualized Average total loans increased $179.1 million or 6.6%
from third quarter 2008, and $148.5 million or 21.7% from
second quarter 2009 Driven primarily by growth in commercial lending
portfolios Overall declines in the average consumer lending
portfolios are a result of the company’s strategy to
de-emphasize certain consumer-based lending activities 3Q-09 2Q-09 1Q-09 4Q-08 3Q-08 2Q-08 1Q-08 $2,887 $2,738 $2,712 $2,689 $2,708 $2,645 $2,593 ($ in millions) Average Total Loans 3Q-09 2Q-09 1Q-09 4Q-08 3Q-08 2Q-08 1Q-08 $2,121 $1,971 $1,927 $1,861 $1,809 $1,731 $1,652 ($ in millions) Average Commercial Loans Average Consumer Loans ($ in millions) $941 $914 $898 $828 $785 $767 $766 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09

38 Investment Portfolio Summary September 30, 2009 On-going review of various strategies to increase the size of the investment portfolio and its absolute level of
earnings, while balancing capital and liquidity targets Represents approximately 8.7% of total assets Portfolio selection criteria avoids securities backed by sub-prime assets and those with geographic considerations ($ in thousands, excluding book price and market value) Base % of Book Book Book September 30, 2009 Gain/ Total Value Yield Price Market Value (Loss) UST Notes & Agencies 8.7% 54,502 $ 4.65 99.76 101.92 1,160 $ CMOs (Agency) 9.9% 62,342 4.62 100.47 104.30 2,294 CMOs (Private) 0.0% 68 1.12 100.00 97.97 (1) MBSs (Agency) 61.8% 389,469 4.64 100.94 104.92 14,753 Agency Preferred 0.1% 338 - 1.69 1.69 - 80.5% 506,719 $ 4.64 100.69 103.46 18,206 $ Municipal 4.1% 25,512 $ 7.15 99.01 101.43 616 $ Other 1 15.4% 97,083 3.70 101.50 101.91 388 19.5% 122,595 $ 4.42 100.98 101.81 1,004 $ Total Investment Portfolio 100.0% 629,314 $ 4.60 100.75 103.17 19,210 $ Net Unrealized Gain/(Loss) 19,210 $ Aggregate Gains 19,488 $ Aggregate Losses (278) $ Net Unrealized Gain/(Loss) % of Book Value 3.05% 1 Other includes $88 million of regulatory stock Subtotal Subtotal

39 September 30, 2009 Increases in the investment portfolio during the third quarter was the result of acquired investment securities
from the Peoples and Irwin transactions All acquired securities are conforming investments as outlined in First Financial’s investment policy The investment securities, excluding regulatory stock, were acquired at their fair market value on the
acquisition dates Third Quarter 2009 Progression of Investment Portfolio ($ in thousands) 06/30/09 09/30/09 Beginning Maturities/ Ending Book Value Peoples Irwin Additions Book Value UST Notes & Agencies 41,145 $ - $ 13,609 $ (252) $ 54,502 $ CMOs (Agency) 65,879 - - (3,537) 62,342 CMOs (Private) 77 - - (9) 68 MBSs (Agency) 391,667 21,465 1,330 (24,994) 389,468 Agency Preferred 184 - - 154 338 Subtotal 498,952 $ 21,465 $ 14,939 $ (28,638) $ 506,718 $ Municipals 30,085 $ 349 $ 627 $ (5,549) $ 25,512 $ Other * 31,839 15,867 50,021 (643) 97,084 Subtotal 61,924 $ 16,216 $ 50,648 $ (6,192) $ 122,596 $ Total Investment Portfolio 560,876 $ 37,681 $ 65,587 $ (34,830) $ 629,314 $ * Includes Regulatory Stock Net Unrealized Gain/(Loss) 12,108 $ 19,210 $ Aggregate Gains 13,072 $ 19,488 $ Aggregate Losses (964) $ (278) $ Net Unrealized Gain/(Loss) % of Book Value 2.16% 3.05% Change

41 YTD-2009 = January 1, 2009 – September 30, 2009 1.6% Borrowed Funds Time Deposits Interest-Bearing Deposits Noninterest-Bearing Deposits* YTD-2009 FY-2008 FY-2007 FY-2006 9% 10% 6% 7% 37% 40% 41% 38% 40% 40% 40% 39% 14% 13% 13% 13% 3.0% 3.4% 2.5% * Not included in yield calculation Average
Liability Mix End of Period
Deposit Portfolio Composition 1.8% 2.0% 0.8% 3.9% 4.5% 4.0% Yield Liability Mix &
Deposit Composition 0.0% 0.0% 0.0% 0.2% 2.8% 0.0% 14% 15% 15% 16% 40% 43% 42% 44% 46% 41% 42% 42% 2006 2007 2008 09/30/09 Noninterest-Bearing Deposits* Interest-Bearing Deposits Time Deposits

42 Deposit Strategy 3Q-09 2Q-09 1Q-09 4Q-08 3Q-08 2Q-08 1Q-08 $1,484 $1,132 $1,142 $1,152 $1,158 $1,193 $1,219 ($ in millions) Average Time Deposits 3Q-09 2Q-09 1Q-09 4Q-08 3Q-08 2Q-08 1Q-08 $3,609 $2,833 $2,822 $2,780 $2,783 $2,795 $2,832 ($ in millions) Average Total Deposits Average Transaction & Savings Deposits ($ in millions) $1,613 $1,602 $1,625 $1,628 $1,680 $1,701 $2,125 1Q-08 2Q-08 3Q-08 4Q-08 1Q-09 2Q-09 3Q-09 Excluding impact of acquisitions, third quarter 2009 deposit portfolio
performed consistent with expectations and showed improvement from
the second quarter of 2009 Growth seen primarily in core business transaction accounts All other deposit categories remained stable with modest growth Repriced acquired deposit portfolios as permitted by the FDIC Repriced approximately $1.0 billion in deposits Through 10/31/09 approximately 36% of repriced deposits had been
redeemed without penalty ($ in thousands) First Financial First Financial at All Acquired Organic at 06/30/09 Deposits Growth 09/30/09 End of Period Transaction & Savings Deposits 1,680,446 $ 1,401,965 $ 50,181 $ 3,132,592 $ Time Deposits 1,032,890 950,945 44,677 2,028,512 Broker Deposits 78,509 601,332 (4,961) 674,880 Total 2,791,845 $ 2,954,242 $ 89,897 $ 5,835,984 $ Deposits, including Acquired Deposits

44 Borrowed Funds First Financial assumed additional Federal Home Loan Bank debt with the Peoples and Irwin acquisitions Approximately $83.7 million in short-term advances from Irwin matured prior to the end of the third quarter of 2009 At September 30, 2009, First Financial had available overnight wholesale funding sources of approximately $2.5 billion ($ in thousands) 06/30/09 07/31/09 09/18/09 3Q-09 09/30/09 Beginning Peoples Irwin Maturities/ Ending Borrowed Funds Balance Additions Additions Additions Balance Short Term Borrowings: 206,777 $ - $ - $ (171,014) $ 35,763 $ Federal Home Loan Bank Advances 125,000 - 138,700 (198,700) 65,000 Other 25,000 - - (25,000) - Total Short Term Borrowings 356,777 $ - $ 138,700 $ (394,714) $ 100,763 $ Long Term Borrowings: Federal Home Loan Bank Advances 70,908 $ 63,477 $ 216,304 $ (5,334) $ 345,356 Securities Sold Under Agreements to Repurchase 65,000 - - - 65,000 Other 20,620 - - - 20,620 Total Long Term Borrowings 156,528 $ 63,477 $ 216,304 $ (5,334) $ 430,976 $ Total Short & Long Term Borrowings 513,305 $ 63,477 $ 355,004 $ (400,048) $ 531,739 $ Federal Funds Purchased and Securities Sold Under Agreements to Repurchase Change

45 Noninterest Income YTD-2009 = January 1, 2009 – September 30, 2009 Excludes $383.3 million 3Q-09 gain on acquisition Year-to-Date 2009 ¹ ($ in millions) ($ in millions) Service Charges on Deposits 09 3Q- 09 2Q- 09 1Q- 08 4Q- 08 3Q- 08 2Q- 08 1Q- 07 4Q- 07 3Q- 07 2Q- 07 1Q- $6.0 $5.0 $4.0 $3.0 $2.0 $1.0 $0.0 9% 1% 11% 2% 26% 37% 14% Trust & Investment Advisory Fees - $9.9 million Service Charges on Deposits - $13.8 million Net Gains from Sales of Loans - $0.9 million Bankcard Income - $4.1 million Other Misc. Income - $5.5 million Gains on Sales of Investment Securities - $3.3 million Income on Preferred Securities - $0.3 million $0.0 $1.0 $2.0 $3.0 $4.0 $5.0 $6.0 1Q- 07 2Q- 07 3Q- 07 4Q- 07 1Q- 08 2Q- 08 3Q- 08 4Q- 08 1Q- 09 2Q- 09 3Q- 09 Trust & Investment Advisory Fees

49 Claude E. Davis President & Chief Executive Officer Claude E. Davis joined First Financial in 2004 as President, Chief Executive Officer, and a member of the Board of Directors. Mr. Davis
also serves as Chairman of the Board of Directors of First Financial Bank. Prior to joining the company, he served as Senior Vice
President at Irwin Financial Corporation, and Chairman of Irwin Union Bank and Trust, the company’s lead bank, positions he held since
2003. Earlier in his career, he served as President of Irwin Union Bank and Trust for seven years. Mr. Davis began his career as a
Certified Public Accountant with the public accounting firm Coopers & Lybrand. C. Douglas Lefferson Executive Vice President & Chief Operating Officer C. Douglas Lefferson has spent his entire career in various positions within First Financial Bancorp and First Financial Bank, and was
appointed to his current position in 2005. Prior to his current appointment, Mr. Lefferson served as Chief Financial Officer from 2002
through 2005. J. Franklin Hall Executive Vice President & Chief Financial Officer J. Franklin Hall joined First Financial in 1999 and was appointed to his current position in 2005. Prior to joining the company, he was
with Firstar Bank (currently US Bancorp). He is a Certified Public Accountant (inactive), and began his career with the public accounting
firm Ernst & Young, LLP. Mr. Hall also serves as President of the First Financial Bancorp subsidiary First Financial Capital Advisors,
LLC, and is President of the company’s proprietary mutual fund family, First Funds. Samuel J. Munafo Ohio / Kentucky Regional President Samuel J. Munafo has spent his entire career in various positions within First Financial Bancorp and First Financial Bank. Prior to his
current appointment, Mr. Munafo served as President of First Financial Bank (2005 – 2006), and President and Chief Executive Officer
for several First Financial affiliates, including Community First Bank & Trust (2001 - 2005), Indiana Lawrence Bank (1998 – 2001), and
Clyde Savings Bank (1994 – 1998). He began his career with the company as a management trainee and has served the company in a
number of areas, including operations, retail, commercial lending, credit cards and security. Leadership

50 Al Roszczyk Indiana Regional President Al Roszczyk joined First Financial in June 2009. Mr. Roszczyk oversees the company’s Indiana markets. He has 26 years of banking
experience with a strong background in executive management and leadership as well as extensive experience in commercial lending,
treasury management, and personal banking services. Prior to joining First Financial, Mr. Roszczyk spent 14 years with Irwin Union
Bank and Trust Company. Richard Barbercheck Senior Vice President & Chief Credit Officer Richard Barbercheck joined First Financial in 2005 as Senior Vice President and Chief Risk Officer, and was appointed to his current
position in 2006. Mr. Barbercheck is responsible for the administration of the bank’s lending portfolios as well as oversight of the
company’s credit policies and loan underwriting processes. Prior to joining the company, he oversaw the Credit Risk Evaluation Group at
Irwin Financial Corporation (Columbus, Indiana). Earlier in his career he served at several banks in executive-level positions located in
Southeastern Indiana, including Veedersburg State Bank (1989 – 1993), National City Bank (1993 - 1998), and Irwin Union Bank (1998 -
2005). Mr. Barbercheck has a total of 27 years of banking experience, with a predominance of experience in the commercial lending and
credit administration areas. Michael Cassani Senior Vice President, Wealth Resource Group Michael Cassani joined First Financial in 2007 as Senior Vice President and Chief Administrative Officer to oversee the company’s
Wealth Resource Group. Prior to joining the company, Mr. Cassani served as President of Fund Project Services, Inc., a financial project
management and consulting firm he co-founded in 1998. Earlier in his career, he served as Mutual Funds Product Manager at Fifth Third
Bank, and as Institutional Investment Officer at Roulston and Company. Prior to those appointments, Mr. Cassani served as an
Investment Representative for two separate companies located within the Chicago area. Gregory A. Gehlmann Senior Vice President, General Counsel Gregory A. Gehlmann joined First Financial in 2005 as Senior Vice President and General Counsel. Mr. Gehlmann also served as Chief
Risk Officer for the company (2006 – 2008). Prior to joining the company, he practiced law for 16 years in Washington, D.C. Mr.
Gehlmann served as partner/counsel at Manatt, Phelps & Phillips, LLP (Washington, D.C.), where he was counsel to public and private
companies, as well as investors, underwriters, directors, officers, and principals regarding corporate securities, banking, and general
business and transactional matters. Leadership

51 John Sabath Senior Vice President & Chief Risk Officer John Sabath joined First Financial in 2005 as Regulatory Risk Manager. Mr. Sabbath was then promoted to Senior Risk Officer and
First Vice President, and assumed his current position in 2008. He is responsible for management of the company’s risk management
function which includes commercial and retail credit, compliance, operational, market, strategic and reputation risk. Prior to joining the
company, he was in the Enterprise Risk Group at Fifth Third Bank. Earlier in his career, Mr. Sabbath held positions at the Federal
Reserve Bank of Cleveland, National City Bank and Star Bank (currently US Bancorp). Jill A. Stanton Senior Vice President, Retail & Small Business Lending Manager Jill Stanton joined First Financial in 2008. Ms. Stanton has responsibility for product line management for first mortgage loans,
consumer lending and small business lending. Prior to joining the company, she served as Senior Vice President for Irwin Union Bank
where she was responsible for mortgage, consumer lending, business banking, commercial credit analysis, credit administration and
loan operations in their commercial banking business. Ms. Stanton has over 20 years of experience within the financial services
industry. Anthony M. Stollings Senior Vice President & Chief Accounting Officer Tony Stollings joined First Financial in 2006. Mr. Stollings oversees the company’s corporate accounting, tax and external reporting. He
is a Certified Public Accountant (inactive), and prior to joining the company, he served as Chief Accounting Officer and Controller atProvident Financial Group, Inc. (Cincinnati OH). Mr. Stollings spent 13 years at Provident and has more than 30 years experience
within the financial services industry. Jill L. Wyman Senior Vice President, Retail Banking Sales & Deposit Manager Jill Wyman joined First Financial in 2003 as Vice President and Sales Director. In her current position, Ms. Wyman has responsibility
for leading the retail sales process, growing retail deposits, and enhancing the sales culture throughout the company’s three-state
banking center network. She is also responsible for market services and corporate marketing. Prior to joining the company, she spent
19 years in retail where she served as general manager at Lazarus, a division of Federated Department Stores (currently Macy’s). Ms.
Wyman began her career as a management trainee at Federated/Macy’s and progressed to sales manager, group sales manager,
assistant general manager and regional merchandise manager. Leadership

Financial data at September 30, 2009 Banking Centers at December 8, 2009 About First Financial Bancorp First Financial Bancorp is a Cincinnati, Ohio based bank holding company with
$7.3 billion in assets. Its banking subsidiary, First Financial Bank, N.A., founded
in 1863, provides retail and commercial banking products and services, and
investment and insurance products through its retail banking center network.
Currently, First Financial Bank, N.A. operates 128 banking centers. Its strategic
marketing operations are located within the four state regions of Ohio, Indiana,
Kentucky and Michigan where it operates 118 banking centers. The bank’s wealth
management division, First Financial Wealth Resource Group, provides
investment management, traditional trust, brokerage, private banking, and
insurance services, and has approximately $2.0 billion in assets under
management. Additional information about the company, including its products,
services, and banking locations, is available at .