PAID ADVERTISEMENT IN THIS ISSUE: Artificial Intelligence, Your Business and Your Bank BUSINESS STRATEGIES TODAY Total Money Management from the professionals at First National Bank
Vincent Delie Chairman, President and CEO F.N.B. Corporation First National Bank Artificial intelligence (AI) has dramatically altered the landscape for business owners in a short amount of time, with no sign of deceleration. After focusing for more than a decade on AI, data and digital banking services that meet clients’ needs, FNB is built for this moment. Daily, the consumers and businesses who bank with us use AI-enhanced products and platforms aimed at convenience, transparency and security, and our employees are more efficient and effective using modern solutions. In this edition of Business Strategies Today, we dive deeper into how AI tools help businesses manage complexity, recognize opportunities for growth and improve processes. Closer to home, we have a Q&A about FNB’s newest AIdriven solution — one that we envisioned years ago as a major milestone of our broader digital strategy. Finally, in a piece that should resonate with any investor who is building toward their future, we have an article that considers AI’s role in crafting a well-optimized investment strategy. We hope this issue captures AI’s profound, beneficial impacts on businesses and their owners’ lives. As always, we are prepared to guide clients on their journey, helping to create, maintain and manage value in their businesses and personal financial scenarios, no matter the tools they choose to use. We welcome you to explore our products, services and award-winning capabilities in the eStore® at fnb-online.com. THE FNB DIFFERENCE First National Bank, the largest subsidiary of F.N.B. Corporation (NYSE: FNB), is a growing financial services organization with a long-standing tradition of helping our customers and communities thrive. Throughout more than 160 years of service, we have remained dedicated to providing total money management solutions for our consumer, small business and commercial clients. We have a core business concentration on middle and upper middle market companies and serve their needs as a value-added partner. MORE INSIGHT FROM FNB You can always look to FNB for expertise on the topics and trends that have the greatest impact on you and your business. In Business Strategies Today, experts from across our Company have covered a wide range of subjects, such as making the most of the economic environment, staying the course to innovation and planning for the future of your business. Just a few of the topics we’ve covered recently include: check International Expansion check Interest Rate Management check Payments Solutions check Wealth Management check Succession Planning check Cybersecurity check M&A To learn more about topics that may benefit your business, call us at 1-833-BANK-FNB or visit fnb-online.com/business 02
HOW AI IS TAKING BUSINESSES TO THE NEXT LEVEL 04 INSIGHT 360 & FNB’S AI-DRIVEN SOLUTIONS FOR COMPREHENSIVE FINANCIAL MANAGEMENT 06 10 STRENGTHENING INVESTMENT STRATEGY IN THE AGE OF AI COMMERCIAL SERVICES* ▶ Asset-Based Lending ▶ Builder Finance ▶ Commercial Real Estate ▶ Corporate & Business Banking ▶ Dealer Floor Plan ▶ Lease Financing ▶ Small Business Administration (SBA) Lending ▶ Treasury Management & Payment Solutions CAPITAL MARKETS ▶ Commodities Hedging ▶ Debt Capital Markets ▶ Foreign Exchange ▶ Interest Rate Risk Management ▶ International Banking ▶ Investment Banking & M&A Advisory Services ▶ Mezzanine Financing ▶ Public Finance ▶ Syndications FULL-SERVICE SOLUTIONS ADVISORY SERVICES** ▶ Brokerage ▶ Commercial Property & Casualty Insurance ▶ Employee Benefits ▶ Investment Advisory ▶ Personal Insurance ▶ Retirement Services ▶ Private Banking ▶ Private Family Wealth ▶ Surety Bonding ▶ Trust & Fiduciary Services CONSUMER BANKING* ▶ Consumer Deposit Products ▶ Consumer Lending ▶ eStore Digital Banking Experience ▶ Mobile & Online Banking ▶ Mortgage Financing ▶ Small Business Lending ▶ Title Insurance (Commercial & Residential) ▶ Workplace Banking for Employees *Bank deposit products and services provided by First National Bank of Pennsylvania. Member FDIC. Equal Housing Lender. **Investments: Are not FDIC/NCUSIF insured. • May lose value. • Are not financial institution guaranteed. • Are not a deposit. • Are not insured by any federal government agency. 03
AI is transforming how businesses operate and how leaders of growing organizations face the challenge of increasing complexity. Businesses must manage cash flow, monitor expenses, control costs, navigate economic uncertainty, protect against fraud and identify opportunities for growth — all while continuing to serve customers and run day-to-day operations. AI can enable financial, operational and administrative improvements across the board when it is leveraged in secure, practical and meaningful ways, and especially in concert with a close banking relationship. // AI ADVANTAGES HOW AI IS TAKING BUSINESSES TO THE Next Level FOR MORE ON WHAT IS TO COME, TURN TO PAGE 06. ...FNB is only at the cusp of what its AI strategy will deliver for businesses. 04 FNB-ONLINE.COM
Businesses, banks and AI Traditionally, businesses have turned to banks for financing, capital, deposits and treasury services. Modern banking capabilities, however, leverage AI to enable business owners to turn everyday financial activity into actionable insights. Every invoice, payment, deposit and customer interaction creates signals about the health of a business. When those signals are analyzed using AI-backed tools and the judgment of a banker with real-world experience — as seen with FNB’s capabilities — it can result in business owners making better decisions, identifying opportunities sooner and navigating challenges with greater confidence. The opportunity for small- to medium-sized businesses (SMBs), therefore, is gaining access to the helpful findings that AI can generate. For example, tools provided by a financial institution can detect changes in customer payment behavior before they become cash-flow problems. Similarly, such tools can identify market trends, forecast future liquidity needs, highlight emerging risks and perceive unusual transaction patterns that may indicate fraud. By analyzing both historical and real-time activity, businesses gain greater understanding of their current and future financial picture. This visibility becomes especially important in uncertain economic circumstances. Market unrest, industry shifts, geopolitical developments, supply chain disruptions and even environmental events can all impact business performance. AI-powered insights may help recognize related trends earlier, enabling business owners to respond proactively rather than reactively. Banks with AI capabilities can also enable businesses to better utilize their working capital by improving the movement of money throughout an organization. Through better analysis of receivables, payment behavior, invoices and cash-flow trends, businesses can identify opportunities to accelerate payment cycles and improve liquidity. Even modest improvements in payment timing create meaningful benefits, driving businesses to invest, hire, purchase inventory and pursue growth with greater confidence. Capturing the competitive advantage Beyond banking tools, today’s AI technologies enhance human capabilities to enable businesses to experience new levels of productivity and capacity. In certain industries, such as manufacturing, automation has been driving increases in production since well before AI went mainstream. Self-operating machines and electronic processes were first incorporated in assembly lines and monitoring systems decades ago. Now, with AI evolving automation to include robust data about productivity and efficiency, businesses have real-time information to inform operational improvements — enabling faster, more agile decisions while reducing costs and errors. Understandably, using AI to boost physical operations draws questions about how employees will be impacted by new technologies that appear to replace their duties. However, by automating repetitive or rote tasks (e.g., inventory management, coding, fraud monitoring), staff can focus on high-value work that requires critical thinking. It is more often about supplementing people and making them more efficient, not replacing them. The competitive advantage for SMBs will come from combining AI with industry expertise and the guidance of a trusted banking partner. Organizations that embrace this approach will be better positioned to strengthen controls, improve financial resilience, optimize working capital, anticipate risks and achieve long-term growth. The future of banking Businesses increasingly look to banks for strategic perspectives and unique insights about market activities. At FNB, banking is not just about managing money — it is about helping businesses make smarter decisions and realize better outcomes. By turning financial activity into insights and combining digital intelligence with trusted banker relationships, businesses operate more efficiently, manage risk more effectively and maintain a competitive advantage. How FNB harnesses AI to benefit business clients FNB’s ability to innovate and deliver a leading-edge, integrated banking experience is driven by a unique combination of AI, proprietary data analytics and a team of data scientists. Through ongoing analysis and the continued development of existing products and services, FNB’s business bankers and clients are well-equipped with technologies that assist with meeting financial goals. FNB’s AI-powered tools enable teams to: • Enhance engagement, with bankers receiving tailored recommendations, reminders and metrics that more effectively guide client relationships and success. • Automate application, credit and other reviews, increasing efficiency and risk management and saving time for clients. • Unlock predictive insights to drive smarter decisions. • Modernize customer service through reinforced security features (e.g., voice and haptic biometrics for authentication), platforms with built-in fraud monitoring and employee-facing apps. • Continually improve eStore and the Common application (Common app) to create superior user experiences for busy clients. 05 BUSINESS STRATEGIES TODAY • FALL 2026
INSIGHT 360 & FNB’S AI-DRIVEN SOLUTIONS FOR COMPREHENSIVE FINANCIAL MANAGEMENT // FNB’S AI FUTURE 06 FNB-ONLINE.COM
2026 marks 10 years since FNB announced its Clicks-to-Bricks digital strategy to create comprehensive and seamless experiences across all its physical and digital banking channels. The Company has since advanced its approach through significant investments in data science, automation and AI. Today, FNB stands ready to begin the next decade of digital transformation with the upcoming launch of Insight 360, an AI-driven solution for comprehensive financial management and wellness. Available within Mobile and Online Banking, the Insight 360 dashboard will enable personal and business banking users to see data for both their FNB accounts and accounts with other financial institutions, along with personalized observations, budgeting resources, cash-flow forecasting and targeted recommendations for FNB products and services. The following Q&A from FNB shares more about Insight 360, how it empowers customers and employees, and AI’s role in the Company. How does Insight 360 fit within FNB’s overall digital strategy? Q: A: A comprehensive platform like Insight 360 — one that brings to life the longterm vision of our CEO Vincent Delie, who has been personally engaged in the development of our digital strategy and platforms — has always been a goal of Clicks-to-Bricks. Historically, online and mobile banking apps have not been advisory platforms, but AI better enables us to provide users with strategic, actionable information about account activity, risk factors, ways to improve financial health and more. The potential is powerful. For example, as the platform grows, we expect to be able to tell when a small business client is having cash-flow problems, then offer and activate a solution like a credit card, all from within the app. Essentially, we will be able to get from “need identification” to “offer fulfillment” to “utilization” in less than three minutes. That is revolutionary. Insight 360 will be integrated with our existing digital capabilities, which include solutions for customers to shop and apply for products through eStore and the Common app, conveniently merge their financial activities into the FNB ecosystem through payment and direct deposit switching, and bank with confidence through secure fraud prevention tools. 07 BUSINESS STRATEGIES TODAY • FALL 2026
How will the 360-degree view optimize your banking experience? Q: A: The massive growth of AI- and data-based technologies has widely expanded the fintech marketplace and the options available for users, but there continue to be significant advantages to doing business with a bank like FNB, a leader in the digital space. Insight 360 enables deeper integration with banking products, services and support than a standalone third-party platform can provide. Unlike fintech applications that sit outside the banking system, we are highly regulated and responsible for safeguarding customer assets, privacy and data. Insight 360 combines trusted financial information, banking services and personalized guidance within a single secure environment. With the dashboard embedded into FNB’s mobile and web applications, it is designed to connect with our broader digital ecosystem, including eStore, Common app and platforms like Business Online Banking, creating a more seamless customer experience. These applications will work together to present our customers with insights into products to purchase and a streamlined way to purchase those products. It is a big step forward for our objective to make it easy for clients to choose FNB as their primary bank. How do bankers use Insight 360? Q: A: If eStore and Common app were about helping people shop for and buy products at FNB, this next step is largely about using AI to enhance client servicing and engagement. Bankers will have access to the same data that their customers do, including financial opportunities or challenges — so we’re essentially giving our employees a forcemultiplier for their ability to connect with their clients. They will see an AI-generated overview of the client relationship with recommendations for future discussions, potential client needs and metrics about financial health. Our teams will be able to curate these profiles through their own nuanced understanding of the relationship — for example, if a certain product was already recommended and declined — thereby improving the model’s projections. Importantly, we recognize there is no substitute for building strong in-person connections with clients. That will never change at FNB. Instead, AI will be the underpinning for what we deliver to clients, strengthening those relationships. Our people, guided by comprehensive data, will be able to make more informed decisions with greater efficiency while maintaining what matters most: human connection. Which customers will benefit most from Insight 360? Q: A: Every customer will see advantages, but they will be magnified for those who have their primary banking relationship with FNB. The more data we have access to, the better the experience and information we can provide. Further, by linking their external accounts, customers will gain a more complete view of their finances, enabling better planning. COMI NG SOON : Insight 360 08 FNB-ONLINE.COM
Q: How will AI influence the future for FNB? A: FNB has spent years investing in digital banking, data, automation and integration capabilities that provide a strong foundation for AI. Today, FNB offers virtually all the digital expertise and tools customers expect from leading regional banks while continuing to invest in areas such as personalization, responsible data collection and analysis, and unified customer experiences. Additionally, we have updated our organizational structure and trained our teams to prepare for an AI-oriented future. Our leaders regularly meet and collaborate to identify and execute high-priority digital projects, ensuring we are efficiently and effectively using resources. Clients can expect to see the results of these efforts in the months and years to come, including seamless integration into FNB’s award-winning technology ecosystem. AI is enabling us to transform data into action, sophisticated financial guidance and more relevant customer interactions. Initiatives like Insight 360 utilize those investments for capabilities that will keep FNB at the forefront of innovation as a trusted partner for our customers. FNB is committed to responsibly using technology to improve banking for clients. SCAN THE CODE FOR MORE ABOUT OUR DIGITAL APPROACH AND SERVICES. From eStore to Insights: How FNB’s Tech Drives the User Journey With each new innovation, FNB’s Clicks-to-Bricks strategy becomes more fully realized. Clients today are able to bank on their own terms, using the channels they prefer. From account opening through ongoing management, technology steers their journey, while our teams are ever-present for personalized service. In practice, it might look like this: • Shop: With eStore — available online, through mobile apps or at in-store kiosks — clients can search for and compare the products and services that meet their needs. The platform leverages retail features, including a shopping cart, to create a familiar experience for users. • Apply: The Common app, directly integrated within eStore, enables users to apply for more than 50 consumer and business products and services simultaneously through a single, streamlined application. AI and data analytics minimize customer keystrokes and significantly reduce application time. • Onboard: FNB’s digital feature set includes Payment Switch and Direct Deposit Switch, services that provide our customers the ability to move recurring payments and direct deposits to their accounts in just a handful of taps using their mobile device, rather than visiting multiple outside websites. The services address common hurdles customers experience when opening new accounts or changing financial institutions. • Succeed: The addition of Insight 360 unlocks several capabilities, including the ability to strategically manage accounts and identify opportunities to improve financial wellbeing. 09 BUSINESS STRATEGIES TODAY • FALL 2026
AI-assisted apps and “robo-advisors” seemingly make it easier than ever for individual investors to identify worthwhile opportunities and craft a strategy without engaging a human advisor. However, the reality is more complicated. AI is transforming markets and advisory services alike, but nuance and trust continue to be significant success factors in any investment strategy. Experienced professionals will have a leading role in analyzing investment markets for the foreseeable future — and the advisors who thrive in the emerging environment will be those who use modern tools to complement their real-world expertise. Investment Strategy IN THE AGE OF AI STRENGTHENING 10 FNB-ONLINE.COM // WEALTH MANAGEMENT & AI
instructions to the letter. As a result, there is a risk of concentrations, overlap and reduced diversification, given different funds may contain the same companies, or a concentration risk may develop in market-weighted indexes. An experienced human advisor can recognize such unintended risks before portfolio decisions are made. Furthermore, AI modeling can help investors understand what has worked best in particular economic environments but does not necessarily account for new or unexpected economic policy changes. AI tools are also very good at building efficient portfolios given historical performance and correlations, but the timing and execution of portfolio rebalancing still requires human inputs, or the models must be artificially constrained to align with the needs of the average investor. Working together Although some foresee AI to one day be a holistic portfolio manager, capable of administering all of a client’s assets, steering them to intended outcomes and balancing their life changes, estate plans, personal values and tax considerations, that time — if it ever comes to pass — is far off. Where we stand today, AI assistance is a net positive for both amateur investors and professional advisors, and the tools increase efficiency and augment decision-making with data-rich guidance, but clients still should know that investment advice is specific to their needs. Guidance from a trusted advisor, based on expertise and a long-term relationship, can tailor recommendations that are likely to have a more powerful impact on desired outcomes for the investment portfolio. How a person feels remains an important factor in determining if their investments are suitable, on-plan and meeting their needs, making thoughtful communication vital. Perhaps one day AI will be able to meet a client eye-to-eye in the same way, but for now, the best option is for investor, advisor and AI to work together. What AI offers to investment strategy While individual investors may find platforms that promise automated trading and customization refreshing and convenient, certain facets of the technologies are old hat for professional advisors. Quantitative (quant) or rules-based funds, which leverage algorithmic processes to optimize and construct portfolios, have existed for years, and advisors have long used statistical analysis to enhance decision-making. In their current iteration, this is largely how newer AI advisory platforms work, as well. Based on a prompt or pre-established rules, an AI agent scours the internet for data, then produces a summary and/or recommendations for an investor. The newest AI tools further streamline research for advisors, replacing or augmenting existing algorithmic technologies and unlocking insights to an even greater degree than before. In the span of minutes, rather than hours, analysts can dive into relevant business fundamentals of multiple companies or funds, assessing quarterly earnings, historic stock performance, product launches and market news to identify worthwhile investment opportunities. Similarly, rather than manually calculating the complex metrics that determine the best time to buy or sell a security, AI can quickly compute the results and provide an analysis that supports portfolio optimization. The time and resources saved can then be spent on relationship-building and strategy refinements. Individual investors, meanwhile, can increase the speed with which they access market information and analysis. AI-powered tools may help to improve investor knowledge and transparency in a highly complex industry. While not infallible, if deployed prudently, AI can be used to efficiently diversify and rebalance portfolios, identify risky investments and provide up-to-date information about performance. Understanding limitations Automated trading platforms leverage thousands of data points to provide investment recommendations or simulate trades. The sheer volume of inputs can give investors a level of confidence in their portfolios, but it remains important to apply human experience, critical thinking and judgment to the outputs. For example, index funds or exchange-traded funds (ETFs) are popular with individual investors because of their lower cost, simplicity and innate diversification. However, if an investor asks an AI agent to build a portfolio wholly based on such funds, it will follow the Chad Oviatt, Chief Investment Officer, F.N.B. Wealth Management 11 BUSINESS STRATEGIES TODAY • FALL 2026 This material is provided solely for general information purposes. No representation or warranty should be made with respect to the opinions or views expressed herein and this should not be construed as advice or recommendations of particular securities, financial instruments or strategies of a particular client. This material does not constitute a solicitation or offer in any jurisdiction where such a solicitation is unlawful. The F.N.B. Wealth Management team utilizes a blend of technology and personal expertise. Learn more about the group’s capabilities by scanning the code or visiting fnb-online.com/wealth. “The proliferation of AI has changed market dynamics in several positive ways, but robots aren’t likely to take over the investment world. AI might be able to utilize the science behind investing, but professional advisors and critical thinking drive the artform. It is the combination of the art and the science where we have the potential to truly benefit the client.”
2026 2026 LENDER OF THE YEAR Data as of September 8, 2026 FNB10-265 Equal Housing Lender | NMLS #766529 | Member FDIC Let’s get started. Visit fnb-online.com to learn more. FNB is redefining what’s possible with sophisticated products and solutions, local expertise and award-winning customer service. With our superior capital position and experienced management team, we have more than 160 years of strength and stability to help your business thrive. Proven performance that powers your business forward. Can your bank do that?
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