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 (date of earliest event reported): April 19, 2016

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)
One Penn Square Lancaster, Pennsylvania		17604
(Address of principal executive offices)		(Zip Code)

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

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 (see General Instruction A.2. below):

£  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

£  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

£  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

£  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 - Results of Operations and Financial Condition

On April 19, 2016, Fulton Financial Corporation (“Fulton”) issued a press release (the “Press Release”) announcing its results of operations for the first quarter ended March 31, 2016. A copy of the Press Release and supplementary financial information which accompanied the Press Release, are attached as Exhibits 99.1 and 99.2, respectively, to this Current Report and are incorporated herein by reference. Fulton also posted on its Investor Relations website, www.fult.com, presentation materials Fulton intends to use during a conference call and webcast to discuss those results on Wednesday, April 20, 2016 at 10:00 a.m. Eastern Time. A copy of the presentation materials is attached as Exhibit 99.3 to this Current Report and is incorporated herein by reference.    

Forward-Looking Statements

This Current Report on Form 8-K, including the Exhibits hereto, may contain forward-looking statements with respect to Fulton’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. Statements relating to the “outlook” or “2016 Outlook” contained in Exhibit 99.3 to this Current Report are forward-looking statements. These forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, some of which are beyond Fulton’s control and ability to predict, that could cause actual results to differ materially from those expressed in the forward-looking statements.

A discussion of certain risks and uncertainties affecting Fulton, and some of the factors that could cause Fulton’s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in Fulton’s Annual Report on Form 10-K for the year ended December 31, 2015 which has been filed with the Securities and Exchange Commission and is available in the Investors Relations section of Fulton’s website (www.fult.com) and on the Securities and Exchange Commission’s website (www.sec.gov). Fulton 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.

Item 9.01 Financial Statements And Exhibits

(d)Exhibits.

Exhibit No.	Description
99.1	Press Release dated April 19, 2016.
99.2	Supplementary financial information for the quarter ended March 31, 2016.
99.3	Presentation materials to be discussed during the conference call and webcast on April 20, 2016.

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: April 19, 2016	FULTON FINANCIAL CORPORATION
	By: /s/ Patrick S. Barrett
	Patrick S. Barrett
	Senior Executive Vice President and
	Chief Financial Officer

EX-99.1

Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Laura J. Wakeley (717) 291-2616

Investor Contact: Jason Weber (717) 327-2394

Fulton Financial reports first quarter earnings of $0.22 per share

• Diluted earnings per share for the first quarter of 2016 were 22 cents, unchanged from both the fourth quarter of 2015 and the first quarter of 2015. Pre-provision net revenue of $50.8 million was 6.6% lower than the fourth quarter of 2015 and 11.2% higher than the first quarter of 2015.

• Net interest income for the first quarter of 2016 increased $1.3 million, or 1.0 percent, compared to the fourth quarter of 2015 and $5.5 million, or 4.4 percent compared to first quarter of 2015.

• Net interest margin increased four basis points to 3.23 percent compared to the fourth quarter of 2015, and decreased four basis points compared to the first quarter of 2015.

• Loans at March 31, 2016 increased $32.1 million, or 0.2 percent, compared to December 31, 2015 and $755.2 million, or 5.8 percent, compared to March 31, 2015. Average loans for the first quarter of 2016 increased 1.4 percent and 5.8 percent compared to the fourth quarter of 2015 and the first quarter of 2015, respectively.

• Deposits at March 31, 2016 increased $272.0 million, or 1.9 percent, compared to

December 31, 2015 and $889.8 million, or 6.6 percent, compared to March 31, 2015. Average deposits for the first quarter of 2016 decreased 0.1 percent compared to the fourth quarter of 2015, and increased 6.2 percent, compared to the first quarter of 2015.

• The provision for credit losses in the first quarter of 2016 was $1.5 million, compared to a $2.8 million provision in the fourth quarter of 2015 and a negative $3.7 million provision in the first quarter of 2015.

• Non-interest income, excluding investment securities gains, decreased $2.9 million, or 6.4 percent, in comparison to the fourth quarter of 2015, and increased $1.6 million, or 3.9 percent, in comparison to the first quarter of 2015.

• Non-interest expense increased $2.0 million, or 1.7 percent, compared to the fourth quarter of 2015 and $1.9 million, or 1.6 percent, compared to the first quarter of 2015.

(April 19, 2016) - Lancaster, PA - Fulton Financial Corporation (NASDAQ:FULT) reported net income of $38.3 million, or 22 cents per diluted share, for the first quarter of 2016.

"Fulton’s first quarter resulted in double digit pre-provision net revenue growth year-over-year, a clear reflection of our efforts to focus on organic growth and take advantage of the local market disruption,” said E. Philip Wenger, Chairman, President and CEO.  "Our commercial loan pipeline remains strong while our fee income businesses continue to build momentum, so we remain optimistic that we can create meaningful positive operating leverage in 2016."

Net Interest Income and Margin

Net interest income for the first quarter of 2016 increased $1.3 million, or 1.0 percent, from the fourth quarter of 2015. Net interest margin increased four basis points, or 1.3 percent, to 3.23 percent in the first quarter of 2016, from 3.19 percent in the fourth quarter of 2015. The average yield on interest-earning assets increased five basis points, while the average cost of interest-bearing liabilities increased one basis point, during the first quarter of 2016 in comparison to the fourth quarter of 2015.

Average Balance Sheet

Total average assets for the first quarter of 2016 were $18.0 billion, an increase of $194.3 million from the fourth quarter of 2015. Average loans, net of unearned income, increased $194.2 million, or 1.4 percent, in comparison to the fourth quarter of 2015. Average loans and yields, by type, for the first quarter of 2016 in comparison to the fourth quarter of 2015, are summarized in the following table:

	Three Months Ended								Increase (decrease)
	March 31, 2016				December 31, 2015				in Balance
	Balance		Yield (1)		Balance		Yield (1)		$			%
	(dollars in thousands)
Average Loans, net of unearned income, by type:
Real estate - commercial mortgage	$	5,487,421	4.03	%	$	5,365,640	4.05	%	$	121,781		2.3	%
Commercial - industrial, financial, and agricultural	4,095,268		3.79	%	4,035,287		3.74	%	59,981			1.5	%
Real estate - home equity	1,674,032		4.10	%	1,694,455		4.07	%	(20,423		)	(1.2	)%
Real estate - residential mortgage	1,381,409		3.78	%	1,377,116		3.79	%	4,293			0.3	%
Real estate - construction	792,014		3.82	%	765,555		3.75	%	26,459			3.5	%
Consumer	263,295		5.53	%	267,726		5.72	%	(4,431		)	(1.7	)%
Leasing and other	159,981		7.46	%	153,487		5.31	%	6,494			4.2	%
Total Average Loans, net of unearned income	$	13,853,420	4.00	%	$	13,659,266	3.96	%	$	194,154		1.4	%
(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.

Total average liabilities increased $172.3 million, or 1.1 percent, from the fourth quarter of 2015, while average deposits decreased $11.8 million, or 0.1 percent. Average deposits and interest rates, by type, for the first quarter of 2016 in comparison to the fourth quarter of 2015, are summarized in the following table:

	Three Months Ended								Increase (decrease)
	March 31, 2016				December 31, 2015				in Balance
	Balance		Rate		Balance		Rate		$			%
	(dollars in thousands)
Average Deposits, by type:
Noninterest-bearing demand	$	3,967,887	—	%	$	3,999,118	—	%	$	(31,231	)	(0.8	)%
Interest-bearing demand	3,438,355		0.17	%	3,411,904		0.13	%	26,451			0.8	%
Savings deposits	3,932,824		0.18	%	3,903,741		0.17	%	29,083			0.7	%
Total average demand and savings	11,339,066		0.12	%	11,314,763		0.10	%	24,303			0.2	%
Time deposits	2,867,651		1.04	%	2,903,715		1.03	%	(36,064		)	(1.2	)%
Total Average Deposits	$	14,206,717	0.30	%	$	14,218,478	0.29	%	$	(11,761	)	(0.1	)%

Asset Quality

Non-performing assets were $148.1 million, or 0.82 percent of total assets, at March 31, 2016, compared to $155.9 million, or 0.87 percent of total assets, at December 31, 2015 and $163.5 million, or 0.94 percent of total assets, at March 31, 2015.

Annualized net charge-offs for the quarter ended March 31, 2016 were 0.20 percent of total average loans, compared to 0.02 percent for the quarter ended December 31, 2015 and 0.08 percent for the quarter ended March 31, 2015. The allowance for credit losses as a percentage of non-performing loans was 121.1 percent at March 31, 2016, as compared to 118.4 percent at December 31, 2015 and 120.3 percent at March 31, 2015.

During the first quarter of 2016, the Corporation recorded a $1.5 million provision for credit losses, compared to a $2.8 million provision for credit losses in the fourth quarter of 2015 and a negative $3.7 million provision in the first quarter of 2015.

Non-interest Income

Non-interest income, excluding investment securities gains, decreased $2.9 million, or 6.4 percent, in comparison to the fourth quarter of 2015. Other service charges and fees decreased $1.9 million, or 15.2 percent, due to decreases in commercial loan interest rate swap fees and debit card income. Service charges on deposits decreased $351,000, or 2.7 percent, due to a decrease in overdraft fee income. Mortgage banking income decreased $287,000, or 6.6 percent, due to lower servicing income.

Compared to the first quarter of 2015, non-interest income, excluding investment securities gains, increased $1.6 million, or 3.9 percent, due to increases in merchant fees, commercial loan

interest rate swap fees, and other service charges and fees, partially offset by a decrease in mortgage banking income.

Gains on sales of investment securities increased $171,000 in comparison to the fourth quarter of 2015, and decreased $3.2 million from the first quarter of 2015, which included gains from the sales of two pooled trust preferred debt securities in 2015.

Non-interest Expense

Non-interest expense increased $2.0 million, or 1.7 percent, in the first quarter of 2016, compared to the fourth quarter of 2015. Salaries and employee benefits increased $3.9 million, or 6.0 percent, driven by seasonally higher payroll taxes and higher costs for certain benefits. Offsetting these increases were net decreases in multiple expense categories.

Compared to the first quarter of 2015, non-interest expense increased $2.0 million, or 1.6 percent, reflecting increases in salaries and employee benefits, data processing, and software costs partially offset by lower net occupancy expense, other real estate owned and repossession expense, equipment expense and professional fees.

About Fulton Financial

Fulton Financial Corporation is a Lancaster, Pennsylvania-based financial holding company that has banking offices in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through the following affiliates, headquartered as indicated: Fulton Bank, N.A., Lancaster, PA; Swineford National Bank, Middleburg, PA; Lafayette Ambassador Bank, Bethlehem, PA; FNB Bank, N.A., Danville, PA; Fulton Bank of New Jersey, Mt. Laurel, NJ; and The Columbia Bank, Columbia, MD.

The Corporation’s investment management and trust services are offered at all banks through Fulton Financial Advisors, a division of Fulton Bank, N.A. Residential mortgage lending is offered by all banks under the Fulton Mortgage Company brand.

Additional information on Fulton Financial Corporation is available on the Internet at

www.fult.com.

Safe Harbor Statement

This news release may contain forward-looking statements with respect to the

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. These 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.

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2015, which has been filed with the Securities and Exchange Commission and is available in the Investor Relations section of the Corporation's website (www.fult.com) and on the Securities and Exchange Commission's website (www.sec.gov). 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.

Non-GAAP Financial Measures

The Corporation uses certain non-GAAP financial measures in this earnings release. These non-GAAP financial measures are reconciled to the most comparable GAAP measures in tables at the end of this release.

EX-99.2

Exhibit 99.2
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
dollars in thousands
											% Change from
		March 31			March 31			December 31			March 31		December 31
		2016			2015			2015			2015		2015
ASSETS
	Cash and due from banks	$	83,479		$	91,870		$	101,120		(9.1	)%	(17.4	)%
	Other interest-earning assets	408,060			703,667			292,516			(42.0	)%	39.5	%
	Loans held for sale	19,719			34,124			16,886			(42.2	)%	16.8	%
	Investment securities	2,516,205			2,259,802			2,484,773			11.3	%	1.3	%
	Loans, net of unearned income	13,870,701			13,115,505			13,838,602			5.8	%	0.2	%
	Allowance for loan losses	(163,841		)	(177,701		)	(169,054		)	(7.8	)%	(3.1	)%
	Net loans	13,706,860			12,937,804			13,669,548			5.9	%	0.3	%
	Premises and equipment	228,057			226,241			225,535			0.8	%	1.1	%
	Accrued interest receivable	44,379			42,216			42,767			5.1	%	3.8	%
	Goodwill and intangible assets	531,556			531,672			531,556			—	%	—	%
	Other assets	583,939			535,945			550,017			9.0	%	6.2	%
	Total Assets	$	18,122,254		$	17,363,341		$	17,914,718		4.4	%	1.2	%
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	14,404,280		$	13,514,497		$	14,132,317		6.6	%	1.9	%
	Short-term borrowings	352,883			410,105			497,663			(14.0	)%	(29.1	)%
	Other liabilities	326,128			312,709			293,302			4.3	%	11.2	%
	FHLB advances and long-term debt	965,654			1,094,517			949,542			(11.8	)%	1.7	%
	Total Liabilities	16,048,945			15,331,828			15,872,824			4.7	%	1.1	%
	Shareholders' equity	2,073,309			2,031,513			2,041,894			2.1	%	1.5	%
	Total Liabilities and Shareholders' Equity	$	18,122,254		$	17,363,341		$	17,914,718		4.4	%	1.2	%
LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
Loans, by type:
	Real estate - commercial mortgage	$	5,558,108		$	5,227,101		$	5,462,330		6.3	%	1.8	%
	Commercial - industrial, financial and agricultural	4,035,333			3,762,631			4,088,962			7.2	%	(1.3	)%
	Real estate - home equity	1,659,481			1,701,623			1,684,439			(2.5	)%	(1.5	)%
	Real estate - residential mortgage	1,377,459			1,364,788			1,376,160			0.9	%	0.1	%
	Real estate - construction	810,872			677,806			799,988			19.6	%	1.4	%
	Consumer	263,221			257,301			268,588			2.3	%	(2.0	)%
	Leasing and other	166,227			124,255			158,135			33.8	%	5.1	%
	Total Loans, net of unearned income	$	13,870,701		$	13,115,505		$	13,838,602		5.8	%	0.2	%
Deposits, by type:
	Noninterest-bearing demand	$	4,134,861		$	3,765,677		$	3,948,114		9.8	%	4.7	%
	Interest-bearing demand	3,430,206			3,133,748			3,451,207			9.5	%	(0.6	)%
	Savings deposits	3,972,199			3,567,652			3,868,046			11.3	%	2.7	%
	Time deposits	2,867,014			3,047,420			2,864,950			(5.9	)%	0.1	%
	Total Deposits	$	14,404,280		$	13,514,497		$	14,132,317		6.6	%	1.9	%
Short-term borrowings, by type:
	Customer repurchase agreements	$	162,431		$	161,886		$	111,496		0.3	%	45.7	%
	Customer short-term promissory notes	76,807			93,176			78,932			(17.6	)%	(2.7	)%
	Short-term FHLB advances	81,000			155,000			110,000			(47.7	)%	(26.4	)%
	Federal funds purchased	32,645			43			197,235			75,818.6	%	(83.4	)%
	Total Short-term Borrowings	$	352,883		$	410,105		$	497,663		(14.0	)%	(29.1	)%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
in thousands, except per-share data and percentages
		Three Months Ended									% Change from
		Mar 31			Mar 31			Dec 31			Mar 31		Dec 31
		2016			2015			2015			2015		2015
Interest Income:
	Interest income	$	149,311		$	145,772		$	147,560		2.4	%	1.2	%
	Interest expense	20,257			22,191			19,761			(8.7	)%	2.5	%
	Net Interest Income	129,054			123,581			127,799			4.4	%	1.0	%
	Provision for credit losses	1,530			(3,700		)	2,750			N/M		(44.4	)%
	Net Interest Income after Provision	127,524			127,281			125,049			0.2	%	2.0	%
Non-Interest Income:
	Service charges on deposit accounts	12,558			11,569			12,909			8.5	%	(2.7	)%
	Investment management and trust services	10,988			10,889			10,919			0.9	%	0.6	%
	Other service charges and fees	10,750			9,363			12,676			14.8	%	(15.2	)%
	Mortgage banking income	4,030			4,688			4,317			(14.0	)%	(6.6	)%
	Other	3,864			4,083			4,242			(5.4	)%	(8.9	)%
	Non-Interest Income before Investment Securities Gains	42,190			40,592			45,063			3.9	%	(6.4	)%
	Investment securities gains	947			4,145			776			(77.2	)%	22.0	%
	Total Non-Interest Income	43,137			44,737			45,839			(3.6	)%	(5.9	)%
Non-Interest Expense:
	Salaries and employee benefits	69,372			64,990			65,467			6.7	%	6.0	%
	Net occupancy expense	12,220			13,692			11,566			(10.8	)%	5.7	%
	Other outside services	6,056			5,750			6,537			5.3	%	(7.4	)%
	Data processing	5,400			4,768			5,127			13.3	%	5.3	%
	Software	3,921			3,318			4,068			18.2	%	(3.6	)%
	Equipment expense	3,371			3,958			3,626			(14.8	)%	(7.0	)%
	FDIC insurance expense	2,949			2,822			2,896			4.5	%	1.8	%
	Professional fees	2,333			2,871			2,814			(18.7	)%	(17.1	)%
	Marketing	1,624			1,233			1,754			31.7	%	(7.4	)%
	Other real estate owned and repossession expense	638			1,362			1,123			(53.2	)%	(43.2	)%
	Operating risk loss	540			827			987			(34.7	)%	(45.3	)%
	Intangible amortization	—			130			6			N/M		N/M
	Other	11,989			12,757			12,468			(6.0	)%	(3.8	)%
	Total Non-Interest Expense	120,413			118,478			118,439			1.6	%	1.7	%
	Income Before Income Taxes	50,248			53,540			52,449			(6.1	)%	(4.2	)%
	Income tax expense	11,991			13,504			13,914			(11.2	)%	(13.8	)%
	Net Income	$	38,257		$	40,036		$	38,535		(4.4	)%	(0.7	)%
PER SHARE:
	Net income:
	Basic	$	0.22		$	0.22		$	0.22		—	%	—	%
	Diluted	0.22			0.22			0.22			—	%	—	%
	Cash dividends	$	0.09		$	0.09		$	0.11		—	%	(18.2	)%
	Shareholders' equity	11.96			11.34			11.72			5.5	%	2.0	%
	Shareholders' equity (tangible)	8.89			8.37			8.67			6.2	%	2.5	%
	Weighted average shares (basic)	173,331			178,471			173,709			(2.9	)%	(0.2	)%
	Weighted average shares (diluted)	174,416			179,457			174,833			(2.8	)%	(0.2	)%
	Shares outstanding, end of period	173,393			179,098			174,176			(3.2	)%	(0.4	)%
SELECTED FINANCIAL RATIOS:
	Return on average assets	0.86		%	0.95		%	0.86		%
	Return on average shareholders' equity	7.47		%	8.05		%	7.51		%
	Return on average shareholders' equity (tangible)	10.07		%	10.96		%	10.16		%
	Net interest margin	3.23		%	3.27		%	3.19		%
	Efficiency ratio	68.33		%	70.16		%	66.63		%
N/M - Not meaningful

FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
dollars in thousands
		Three Months Ended
		March 31, 2016								March 31, 2015							December 31, 2015
		Average						Yield/		Average						Yield/	Average						Yield/
		Balance			Interest (1)			Rate		Balance			Interest (1)			Rate	Balance			Interest (1)			Rate
ASSETS
Interest-earning assets:
	Loans, net of unearned income	$	13,853,420		$	137,895		4.00%		$	13,095,528		$	133,055		4.11%	$	13,659,266		$	136,317		3.96%
	Taxable investment securities	2,180,593			12,003			2.20%		2,005,542			11,282			2.25%	2,170,397			11,801			2.17%
	Tax-exempt investment securities	259,396			3,138			4.84%		229,082			3,212			5.61%	246,727			3,085			5.00%
	Equity securities	14,386			218			6.10%		32,210			450			5.66%	15,524			208			5.33%
	Total Investment Securities	2,454,375			15,359			2.50%		2,266,834			14,944			2.64%	2,432,648			15,094			2.48%
	Loans held for sale	12,252			131			4.28%		17,002			173			4.07%	15,713			169			4.31%
	Other interest-earning assets	358,562			898			1.00%		474,033			2,105			1.78%	399,309			864			0.86%
	Total Interest-earning Assets	16,678,609			154,283			3.72%		15,853,397			150,277			3.83%	16,506,936			152,444			3.67%
Noninterest-earning assets:
	Cash and due from banks	98,449								105,271							106,810
	Premises and equipment	226,284								226,391							226,335
	Other assets	1,137,292								1,114,078							1,108,094
	Less: allowance for loan losses	(167,372		)						(183,927		)					(169,251		)
	Total Assets	$	17,973,262							$	17,115,210						$	17,778,924
LIABILITIES AND SHAREHOLDERS' EQUITY
Interest-bearing liabilities:
	Demand deposits	$	3,438,355		$	1,494		0.17%		$	3,135,927		$	983		0.13%	$	3,411,904		$	1,207		0.13%
	Savings deposits	3,932,824			1,804			0.18%		3,517,057			1,119			0.13%	3,903,741			1,633			0.17%
	Time deposits	2,867,651			7,429			1.04%		3,061,593			7,721			1.02%	2,903,715			7,549			1.03%
	Total Interest-bearing Deposits	10,238,830			10,727			0.42%		9,714,577			9,823			0.41%	10,219,360			10,389			0.40%
	Short-term borrowings	445,402			268			0.24%		309,215			77			0.10%	281,497			100			0.14%
	FHLB advances and long-term debt	958,213			9,262			3.88%		1,124,074			12,291			4.40%	950,792			9,272			3.88%
	Total Interest-bearing Liabilities	11,642,445			20,257			0.70%		11,147,866			22,191			0.80%	11,451,649			19,761			0.69%
Noninterest-bearing liabilities:
	Demand deposits	3,967,887								3,662,040							3,999,118
	Other	304,131								289,341							291,388
	Total Liabilities	15,914,463								15,099,247							15,742,155
	Shareholders' equity	2,058,799								2,015,963							2,036,769
	Total Liabilities and Shareholders' Equity	$	17,973,262							$	17,115,210						$	17,778,924
	Net interest income/net interest margin (fully taxable equivalent)				134,026			3.23%					128,086			3.27%				132,683			3.19%
	Tax equivalent adjustment				(4,972		)						(4,505		)					(4,884		)
	Net interest income				$	129,054							$	123,581						$	127,799
	(1) Presented on a tax-equivalent basis using a 35% Federal tax rate and statutory interest expense disallowances.
AVERAGE LOANS, DEPOSITS AND SHORT-TERM BORROWINGS DETAIL:
		Three Months Ended								% Change from
		March 31			March 31			December 31		March 31			December 31
		2016			2015			2015		2015			2015
Loans, by type:
	Real estate - commercial mortgage	$	5,487,421		$	5,163,845		$	5,365,640	6.3		%	2.3		%
	Commercial - industrial, financial and agricultural	4,095,268			3,770,187			4,035,287		8.6		%	1.5		%
	Real estate - home equity	1,674,032			1,721,300			1,694,455		(2.7		)%	(1.2		)%
	Real estate - residential mortgage	1,381,409			1,370,376			1,377,116		0.8		%	0.3		%
	Real estate - construction	792,014			688,690			765,555		15.0		%	3.5		%
	Consumer	263,295			259,138			267,726		1.6		%	(1.7		)%
	Leasing and other	159,981			121,992			153,487		31.1		%	4.2		%
	Total Loans, net of unearned income	$	13,853,420		$	13,095,528		$	13,659,266	5.8		%	1.4		%
Deposits, by type:
	Noninterest-bearing demand	$	3,967,887		$	3,662,040		$	3,999,118	8.4		%	(0.8		)%
	Interest-bearing demand	3,438,355			3,135,927			3,411,904		9.6		%	0.8		%
	Savings deposits	3,932,824			3,517,057			3,903,741		11.8		%	0.7		%
	Time deposits	2,867,651			3,061,593			2,903,715		(6.3		)%	(1.2		)%
	Total Deposits	$	14,206,717		$	13,376,617		$	14,218,478	6.2		%	(0.1		)%
Short-term borrowings, by type:
	Customer repurchase agreements	$	171,408		$	173,625		$	142,004	(1.3		)%	20.7		%
	Customer short-term promissory notes	74,013			86,258			80,568		(14.2		)%	(8.1		)%
	Federal funds purchased	183,970			25,054			44,468		634.3		%	313.7		%
	Short-term FHLB advances and other borrowings	16,011			24,278			14,457		(34.1		)%	10.7		%
	Total Short-term Borrowings	$	445,402		$	309,215		$	281,497	44.0		%	58.2		%

FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
dollars in thousands
		Three Months Ended
		Mar 31			Mar 31			Dec 31
		2016			2015			2015
ALLOWANCE FOR CREDIT LOSSES:
Balance at beginning of period		$	171,412		$	185,931		$	169,395
	Loans charged off:
	Commercial - industrial, financial and agricultural	(6,188		)	(1,863		)	(970		)
	Consumer and home equity	(2,548		)	(1,548		)	(1,466		)
	Real estate - residential mortgage	(1,068		)	(1,281		)	(513		)
	Real estate - commercial mortgage	(582		)	(709		)	(1,207		)
	Real estate - construction	(326		)	—			—
	Leasing and other	(443		)	(363		)	(1,304		)
	Total loans charged off	(11,155		)	(5,764		)	(5,460		)
Recoveries of loans previously charged off:
	Commercial - industrial, financial and agricultural	2,319			786			1,409
	Consumer and home equity	534			492			825
	Real estate - residential mortgage	136			159			775
	Real estate - commercial mortgage	825			436			1,072
	Real estate - construction	383			1,147			548
	Leasing and other	81			171			98
	Recoveries of loans previously charged off	4,278			3,191			4,727
Net loans charged off		(6,877		)	(2,573		)	(733		)
Provision for credit losses		1,530			(3,700		)	2,750
Balance at end of period		$	166,065		$	179,658		$	171,412
Net charge-offs to average loans (annualized)		0.20		%	0.08		%	0.02		%
NON-PERFORMING ASSETS:
	Non-accrual loans	$	122,170		$	129,929		$	129,523
	Loans 90 days past due and accruing	15,013			19,365			15,291
	Total non-performing loans	137,183			149,294			144,814
	Other real estate owned	10,946			14,251			11,099
	Total non-performing assets	$	148,129		$	163,545		$	155,913
NON-PERFORMING LOANS, BY TYPE:
	Real estate - commercial mortgage	$	43,132		$	46,331		$	41,170
	Commercial - industrial, financial and agricultural	39,140			43,265			44,071
	Real estate - residential mortgage	25,182			28,595			28,484
	Consumer and home equity	16,210			16,939			17,123
	Real estate - construction	12,005			14,140			12,460
	Leasing	1,514			24			1,506
	Total non-performing loans	$	137,183		$	149,294		$	144,814
TROUBLED DEBT RESTRUCTURINGS (TDRs), BY TYPE:
	Real-estate - residential mortgage	$	27,565		$	31,574		$	28,511
	Real-estate - commercial mortgage	17,427			23,468			17,563
	Consumer and home equity	6,562			3,118			4,589
	Commercial - industrial, financial and agricultural	5,650			6,975			5,953
	Real estate - construction	3,092			7,791			3,942
	Total accruing TDRs	$	60,296		$	72,926		$	60,558
	Non-accrual TDRs (1)	27,277			29,392			31,035
	Total TDRs	$	87,573		$	102,318		$	91,593
(1) Included within non-accrual loans above.

DELINQUENCY RATES, BY TYPE:
		March 31, 2016						March 31, 2015						December 31, 2015
		30-89 Days		≥90 Days (2)		Total		30-89 Days		≥90 Days (2)		Total		30-89 Days		≥90 Days (2)		Total
	Real estate - commercial mortgage	0.15	%	0.78	%	0.93	%	0.50	%	0.89	%	1.39	%	0.14	%	0.77	%	0.91	%
	Commercial - industrial, financial and agricultural	0.49	%	0.97	%	1.46	%	0.26	%	1.15	%	1.41	%	0.21	%	1.06	%	1.27	%
	Real estate - construction	0.52	%	1.48	%	2.00	%	0.31	%	2.09	%	2.40	%	0.28	%	1.59	%	1.87	%
	Real estate - residential mortgage	1.27	%	1.83	%	3.10	%	1.75	%	2.10	%	3.85	%	1.33	%	2.07	%	3.40	%
	Consumer, home equity, leasing and other	0.63	%	0.85	%	1.48	%	0.92	%	0.81	%	1.73	%	0.70	%	0.88	%	1.58	%
	Total	0.45	%	0.99	%	1.44	%	0.62	%	1.14	%	1.76	%	0.37	%	1.04	%	1.41	%
(2) Includes non-accrual loans
ASSET QUALITY RATIOS:
		Mar 31		Mar 31		Dec 31
		2016		2015		2015
	Non-accrual loans to total loans	0.88	%	0.99	%	0.94	%
	Non-performing loans to total loans	0.99	%	1.14	%	1.05	%
	Non-performing assets to total loans and OREO	1.07	%	1.25	%	1.13	%
	Non-performing assets to total assets	0.82	%	0.94	%	0.87	%
	Allowance for credit losses to loans outstanding	1.20	%	1.37	%	1.24	%
	Allowance for credit losses to non-performing loans	121.05	%	120.34	%	118.37	%
	Non-performing assets to tangible common shareholders' equity and allowance for credit losses	8.67	%	9.74	%	9.27	%

FULTON FINANCIAL CORPORATION
RECONCILIATION OF GAAP TO NON-GAAP MEASURES (UNAUDITED)
in thousands, except per share data and percentages
Explanatory note:	This press release contains supplemental financial information, as detailed below, which has been derived by methods other than Generally Accepted Accounting Principles ("GAAP"). The Corporation has presented these non-GAAP financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations. Presentation of these 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. Management believes that these non-GAAP financial measures, in addition to GAAP measures, are also useful to investors to evaluate the Corporation's results. 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. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP measure follow:
		Three Months Ended
		March 31			March 31			December 31
		2016			2015			2015
Shareholders' equity (tangible), per share
Shareholders' equity		$	2,073,309		$	2,031,513		$	2,041,894
Less: Goodwill and intangible assets		(531,556		)	(531,672		)	(531,556		)
Tangible shareholders' equity (numerator)		$	1,541,753		$	1,499,841		$	1,510,338
Shares outstanding, end of period (denominator)		173,393			179,098			174,176
Shareholders' equity (tangible), per share		$	8.89		$	8.37		$	8.67
Return on average common shareholders' equity (tangible)
Net income		$	38,257		$	40,036		$	38,535
Plus: Intangible amortization, net of tax		—			85			4
Numerator		$	38,257		$	40,121		$	38,539
Average shareholders' equity		$	2,058,799		$	2,015,963		$	20,036,769
Less: Average goodwill and intangible assets		(531,556		)	(531,732		)	(531,559		)
Average tangible shareholders' equity (denominator)		$	1,527,243		$	1,484,231		$	19,505,210
Return on average common shareholders' equity (tangible), annualized		10.07		%	10.96		%	10.16		%
Efficiency ratio
Non-interest expense		$	120,413		$	118,478		$	118,439
Less: Intangible amortization		—			(130		)	(6		)
Numerator		$	120,413		$	118,348		$	118,433
Net interest income (fully taxable equivalent)		$	134,026		$	128,086		$	132,683
Plus: Total Non-interest income		43,137			44,737			45,839
Less: Investment securities gains		(947		)	(4,145		)	(776		)
Denominator		$	176,216		$	168,678		$	177,746
Efficiency ratio		68.33		%	70.16		%	66.63		%
Non-performing assets to tangible common shareholders' equity and allowance for credit losses
Non-performing assets (numerator)		$	148,129		$	163,545		$	155,913
Tangible shareholders' equity		$	1,541,753		$	1,499,841		$	1,510,338
Plus: Allowance for credit losses		166,065			179,658			171,412
Tangible shareholders' equity and allowance for credit losses (denominator)		$	1,707,818		$	1,679,499		$	1,681,750
Non-performing assets to tangible common shareholders' equity and allowance for credit losses		8.67		%	9.74		%	9.27		%

Pre-provision net revenue
Net interest income	$	129,054		$	123,581		$	127,799
Non-interest income	43,137			44,737			45,839
Less: Investment securities gains	(947		)	(4,145		)	(776		)
Total revenue	$	171,244		$	164,173		$	172,862
Non-interest expense	$	120,413		$	118,478		$	118,439
Pre-provision net revenue	$	50,831		$	45,695		$	54,423

EX-99.3

D A T A A S O F M A R C H 3 1 , 2 0 1 6 U N L E S S O T H E R W I S E N O T E D 2016 FIRST QUARTER RESULTS NASDAQ: FULT

FORWARD-LOOKING STATEMENTS 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. Management’s “2016 Outlook” contained herein is comprised of 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. A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation’s actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2015, which has been filed with the Securities and Exchange Commission and is available in the Investor Relations section of the Corporation’s website (www.fult.com) and on the Securities and Exchange Commission’s website (www.sec.gov). The Corporation uses certain non-GAAP financial measures in this presentation. These non-GAAP financial measures are reconciled to the most comparable GAAP measures at the end of this presentation. 2

FIRST QUARTER HIGHLIGHTS Diluted Earnings Per Share: $0.22 in 1Q16, unchanged from 4Q15 and 1Q15 Pre-Provision Net Revenue: $50.8 million, 6.6% decrease from 4Q15 and 11.2% increase from 1Q15 Linked Quarter Loan and Core Deposit Growth: 1.4% increase in average loans, while average core deposits remained flat Net Interest Income & Margin: 1.0% increase in net interest income and a 4 basis point increase in net interest margin Non-Interest Income(1) & Non-Interest Expense: 6.4% decrease in non-interest income and a 1.7% increase in non-interest expense Asset Quality: $1.2 million decrease in provision for credit losses with improvement in non-performing loans. Annualized net charge-off rate increased from 2 basis points to 20 basis points. Year-over-Year Loan and Core Deposit Growth: 5.8% increase in average loans and 9.9% increase in average core deposits Net Interest Income & Margin: 4.4% increase in net interest income and a 4 basis point decrease in net interest margin Non-Interest Income(1) & Non-Interest Expense: 3.9% increase in non-interest income and a 1.6% increase in non-interest expense Asset Quality: $5.2 million increase in provision for credit losses due to negative provision in 1Q15 which resulted from lower allocation needs on impaired loans in 2015. Overall credit metrics stable to improving. 3 (1) Excluding securities gains.

INCOME STATEMENT SUMMARY  Net Income of $38.3 million; a 0.7% decrease from 4Q15 and a 4.4% decrease from 1Q15. Earnings per share unchanged due to net impact of share repurchases.  Net Interest Income  From 4Q15: Increase of 1.0% due to a 1.0% increase in average earning assets and a 4 bp improvement in net interest margin (NIM), offset by one less day  From 1Q15: Increase of 4.4% due to a 5.2% increase in average earning assets and extra day, partially offset by a 4 bp decline in NIM  Loan Loss Provision $1.5 million provision in 1Q16; Asset quality metrics stable to slightly improved  Non-Interest Income  From 4Q15 : Decrease of 6.4% driven by decreases in commercial loan interest rate swap fees and seasonal decreases in debit card income and overdraft fees  From 1Q15 : Increase of 3.9% due to increased merchant fees, commercial loan interest rate swap fees, and other service charges, partially offset by decrease in mortgage sales gains  Non-Interest Expenses  From 4Q15: Increase of 1.7% due to higher salaries and benefits costs, partially offset by net decreases in multiple expense categories  From 1Q15: Increase of 1.6% due to higher salaries and benefits, marketing, software and data processing, partially offset by decreases in net occupancy expense and state taxes 4 (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets (2) Non-GAAP based financial measure. Please refer to the calculation and management’s reasons for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. 1Q16 4Q15 1Q15 Net Interest Income 129,054$ 1,255$ 5,473$ Provision for Credit Losses 1,530 (1,220) 5,230 Non-interest Income 42,190 (2,873) 1,598 Securities Gains 947 171 (3,198) Non-interest Expense 120,413 1,974 1,935 Income before Income Taxes 50,248 (2,201) (3,292) Income Taxes 11,991 (1,923) (1,513) Net Income 38,257$ (278)$ (1,779)$ Earnings Per Share (Diluted) 0.22$ -$ -$ ROA (1) 0.86% - (0.09%) ROE (tangible) (2) 10.07% (0.09%) (0.89%) Efficiency rati (2) 68.3% 1.7% -1.8% (dollars in thousands, except per-share data) Change from

NET INTEREST INCOME AND MARGIN Net Interest Income & Net Interest Margin ~ $730 million ~ $610 million $123.6 $122.9 $125.7 $127.8 $129.1 3.27% 3.20% 3.18% 3.19% 3.23% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% $- $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Net Interest Income Net Interest Margin (Fully-taxable equivalent basis, or FTE) Average Interest-Earning Assets & Yields Average Liabilities & Rates $2.8 $2.8 $2.9 $2.8 $2.8 $13.1 $13.2 $13.4 $13.7 $13.9 3.83% 3.74% 3.68% 3.67% 3.72% 0.00% 2.00% 4.00% $- $3.0 $6.0 $9.0 $12.0 $15.0 $18.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Securities & Other Loans Earni ng Asse t Y ield (FT E) $13.4 $13.5 $13.9 $14.2 $14.2 $1.4 $1.4 $1.3 $1.2 $1.4 0.80% 0.77% 0.72% 0.69% 0.70% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% $- $3.0 $6.0 $9.0 $12.0 $15. Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Deposits Borrow ings Cost of Intere st-bearing Liabilities ($ IN MILLIONS) ($ IN BILLIONS) ($ IN BILLIONS) 5

ASSET QUALITY ($ IN MILLIONS) 6 Provision for Credit Losses Non-Performing Loans (NPLs) & NPLs to Loans 120.34% 113.34% 116.81% 118.37% 121.05% 1.37% 1.28% 1.25% 1.24% 1.20% 0.00% 1.00% 2.00% 3.00% 0.00% 25.00% 50.00% 75.00% 100.00% 125.00% 150.00% Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Allowance/NPLs Allowance/Loans Net Charge-offs (NCOs) and NCOs to Average Loans Allowance for Credit Losses (Allowance) to NPLs & Loans $2.6 $12.4 $1.1 $0.7 $6.9 0.08% 0.38% 0.03% 0.02% 0.20% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% $- $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 Q1 2015 Q2 2015 Q3 2015 4 1 2016 NCOs NCOs/Average Loans $(3.7) $2.2 $1.0 $2.8 $1.5 $(6.0) $(4.0) $(2.0) $- $2.0 $4.0 $6.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 $149.3 $149.5 $145.0 $144.8 $137.2 1.14% 1.13% 1.07% 1.05% 0.99% 0.00% 0.50% 1.00% 1.50% 2.00% $0.0 $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 $160.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 NPL NPLs/Loans

NON-INTEREST INCOME ($ IN MILLIONS) Non-interest Income, Excluding Securities Gains ~ $730 million ~ $610 million $40.6 $44.1 $43.0 $45.1 $42.2 $- $5.0 $10.0 $15.0 $20.0 $25.0 $30.0 $35.0 $40.0 $45.0 $50.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Mortgage Banking Income & Spreads Other Non-interest Income 1.11% 1.62% 1.17% 1.60% 1.28% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% $- $1.0 $2.0 $3.0 $4.0 $5.0 $6.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Ga ins on Sale s Servicing Income Spre ad on Sale s (1 ) $4.7 $5.3 $3.9 $4.3 $4.0 $- $5.0 $1 .0 $15.0 $20.0 $25.0 $30.0 $35.0 $40.0 $45.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Invt Mgmt & Trust Srvs Deposit Srv Chgs Oth Srv Chgs Other $35.9 $38.7 $39.2 $40.7 $38.2 (1) Represents Gains on Sales divided by total new commitments to originate residential mortgage loans for customers. 7

NON-INTEREST EXPENSES ($ IN MILLIONS) Non-interest Expense & Efficiency Ratio (1) ~ $730 million ~ $610 million $118.5 $118.4 $119.3 $118.4 $120.4 70.2% 68.9% 68.8% 66.6% 68.3% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% $- $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 $140.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Salaries and Employee Benefits & Staffing Other Non-interest Expenses 3,545 3,480 - 2,000 4,000 6,000 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 $80.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Total Salaries Employee Benefits Average Full-time Equivalent Employees $65.0 $65.1 $65.3 $65.5 $69.4 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Occp & Equip Data Processing & Software Outside Srvs Other $53.5 $53.3 $54.0 $52.9 $51.0 (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. 8

$1.8 $2.1 $3.2 $4.3 $1.0 $4.6 $1.4 $8.2 $4.5 $0.9 $0.4 $1.4 $0.2 13 26 30 45 47 51 0 10 20 30 40 50 60 $- $3.0 $6.0 $9.0 $12.0 2011 2012 2013 2014 2015 Q1 2016 Salaries & Benefits Expense Outside Consulting Services(1) Temporary Employee Expense Staffing $0.8$0.1 COMPLIANCE & RISK MANAGEMENT (1) Represents third-party consulting and legal services directly related to BSA/AML compliance program. To tal E xp e n se s, in m ill io n s • Strengthening Risk Management and Compliance infrastructures • Address deficiencies within BSA/AML compliance • BSA/AML enforcement actions at the Corporation and banking subsidiaries • Significant investments in personnel, outside services and systems BSA/AML Compliance Program Expenses and Staffing To tal N u m b e r o f Em p lo ye e s at Pe rio d En d 9

PROFITABILITY & CAPITAL 10 ROA(1) ROE (tangible)(2) Tangible Common Equity Ratio(2) Diluted Earnings Per Common Share 10.96% 9.83% 9.11% 10.16% 10.07% 0.00% 4.00% 8.00% 12.00% Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 0.95% 0.86% 0.78% 0.86% 0.86% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 (1) ROA is return an average assets determined by dividing net income for the period indicated by average assets (2) 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. 8.9% 8.9% 8.6% 8.7% 8.8% 0.0% 4. 8. 12.0 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 $0.22 $0.21 $0.20 $0.22 $0.22 $- $0.05 $0.10 $0.15 $0.20 $0.25 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016

2016 OUTLOOK • Loans & Deposits: Annual average growth rate in the mid- to high-single digits • Net Interest Margin: Stable on an annual basis, with modest volatility (+/- 0 to 3 basis points) on a quarterly basis • Asset Quality: Provision driven primarily by loan growth • Non-Interest Income (Excluding Securities Gain): Mid- to high-single digit growth rate • Non-Interest Expense (Excluding Loss on Redemption of TruPS): Low- to mid-single digit growth rate • Capital: Focus on utilizing capital to support growth and provide appropriate returns to our shareholders Outlook remains unchanged from prior quarter 11

NON-GAAP RECONCILIATION Note: The Corporation has presented the following non-GAAP (Generally Accepted Accounting Principles) financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations and financial condition. Presentation of these 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. 12 Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2015 2015 2015 2015 2016 Efficiency ratio Non-interest expense 118,478$ 118,354$ 124,889$ 118,439$ 120,413$ Less: Intangible amortization (130) (106) (5) (6) - Less: Loss on redemption of TruPS - - (5,626) - - Numerator 118,348$ 118,248$ 119,258$ 118,433$ 120,413$ Net interest income (fully taxable equivalent) 128,085$ 127,444$ 130,252$ 132,683$ 134,026$ Plus: Total Non-interest income 44,737 46,489 44,774 45,839 43,137 Less: Investment securities (gains) losses (4,145) (2,415) (1,730) (776) (947) Denominator 168,677$ 171,518$ 173,296$ 177,746$ 176,216$ Efficiency ratio 70.2% 68.9% 68.8% 66.6% 68.3% Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2015 2015 2015 2015 2016 Return on Average Shareholders' Equity (ROE) (Tangible) Net income 40,036$ 36,680$ 34,251$ 38,535$ 38,257$ Plus: Inta g bl amortization, net of tax 85 69 3 4 - N m rator 40,121$ 36,749$ 34,254$ 38,539$ 38,257$ Average shareholders' equity 2,015,963$ 2,031,788$ 2,022,829$ 2,036,769$ 2,058,799$ Less: Average goodwill and intangible assets (531,732) (531,618) (531,564) (531,556) (531,556) Average tangible shareholders' equity (denominator) 1,484,231$ 1,500,170$ 1,491,265$ 1,505,213$ 1,527,243$ Return on average common shareholders' equity (tangible), annualized 10.96% 9.83% 9.11% 10.16% 10.07% Three Months Ended Three Months Ended (dollars in thousands) (dollars in thousands)

NON-GAAP RECONCILIATION (CON’T) 13 Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2015 2015 2015 2015 2016 Tangible Common Equity to Tangible Assets (TCE Ratio) Shareholders' equity 2,031,513$ 2,024,817$ 2,025,904$ 2,041,894$ 2,073,309$ Less: Intangible assets (531,672) (531,567) (531,562) (531,556) (531,556) Tangible shareholders' equity (numerator) 1,499,841$ 1,493,250$ 1,494,342$ 1,510,338$ 1,541,753$ Total assets 17,363,341$ 17,365,462$ 17,837,769$ 17,914,718$ 18,122,388$ Less: Intangible assets (531,672) (531,567) (531,562) (531,556) (531,556) Total tangible assets (denominator) 16,831,669$ 16,833,895$ 17,306,207$ 17,383,162$ 17,590,832$ Tangible Common Equity to Tangible Assets 8.9% 8.9% 8.6% 8.7% 8.8% Mar 31 Jun 30 Sep 30 Dec 31 Mar 31 2015 2015 2015 2015 2016 Pre-Provision Net Revenue Net interest income 123,581$ 122,920$ 125,694$ 127,799$ 129,054$ Non-interest income 44,737 46,489 44,774 45,839 43,137 Less: Investment securities gains (4,145) (2,415) (1,730) (776) (947) Total Revenue 164,173 166,994 168,738 172,862 171,244 on-interest expense 118,478 118,354 124,889 118,439 120,413 Less: Loss on redemption of TruPS - - (5,626) - - Total Non-interest expense, as adjusted 118,478 118,354 119,263 118,439 120,413 Pre-Provision Net Revenue 45,695$ 48,640$ 49,475$ 54,423$ 50,831$ Three Months Ended (dollars in thousands) (in thousands)

www.fult.com