#1WesBanco By all accounts, better. Investor Presentation (1Q2016) (financials as of Q4 2015) 10 February 2016#2#3Who and Where We Are > Founded in 1870 Headquartered in Wheeling, WV $8.5 billion in assets 141 financial centers > Strong credit quality and regulatory compliance Growing market share ■ Top 10: Columbus, Pittsburgh, and West Virginia Top 20: Cincinnati ➤ Diversified revenue generation ■ Trust services Securities brokerage ▪ Wealth management Investment management ■ Insurance Fort Wayne Day 100 Cincinnati Frankfort KY Lexington PA 26% Top Market Share OH 39% OH WV 35% Slumbus Akron Balanced Market Distribution Loans Deposits Charleston ww WEEK VIRGINIA PA 26% OH 33% WV 41% MD Note: asset, location, loan, and deposit data as of 12/31/2015; market share based on MSA deposit rankings (source: SNL) (approximated on map 2 by circles) (Pittsburgh MSA excludes BNY Mellon; Columbus MSA reflects announced HBAN-FMER merger & excludes single Wells Fargo branch)#4Experienced Management Team Executive James Gardill Todd Clossin Robert Young Ivan Burdine Jonathan Dargusch Jay Zatta Lynn Asensio Michael Perkins Position Chairman of the Board President & Chief Executive Officer EVP & Chief Financial Officer EVP & Chief Credit Officer EVP - Wealth Management EVP Chief Lending Officer EVP - Retail Administration EVP Chief Risk & Admin Officer * as legal counsel to WesBanco Note: all key operating executives listed have large firm experience Years in Banking 43* 31 29 35 34 29 37 20 Years at WSBC 43 2 14 2 5 7 10 20 3#5#6Diversified Growth Strategies ➤ Diversified loan portfolio with a focus on Commercial and Industrial (C&I) Increased productivity from and enhancements to the commercial lending team ■ > Long history of strong wealth management capabilities Proprietary mutual funds, and a century of trust experience Established wealth management, insurance, and private banking services are keys to fee income strategy ■ ➤ Traditional retail banking services strategies ■ Focus on customer convenience and service Institution-wide dedication to cross-selling across multiple markets ■ > Strong culture of expense management Focus on delivering positive operating leverage while making investments Emphasis on technology to streamline and improve processes ■ - Franchise expansion in contiguous markets Targeted acquisitions within a reasonable geographic hub of our headquarters F 5#7Diversified Loan Portfolio > Realignment of resources to higher growth markets > Focus on Commercial and Industrial (C&I) business with dedicated C&I and Business Banking teams in all metropolitan markets with limited direct and indirect credit exposure to the energy industry > Composition as of 12/31/2010 Comml R/E: Improved Property 49% Commi R/E Land, Construction 5% Comm1 & Industrial 12% Total Loans = $3.3B Consumer 8% HELOC 8% Residential R/E 18% Composition as of 12/31/2015 Comm'l & Industrial 14% Comm'l R/E: Improved Property 38% Comm'l R/E: Land, Construction. 7% Total Loans = Consumer 8% $5.1B HELOC 8% Residential R/E 25% 6#8#9#10Well-Positioned in Growing Wealth Markets ~90% of deposits and trust assets located in Marcellus/Utica shale regions Shale Formations Marcellus Utica Median Household Income More than $82,000 $68,001 to $82,000 $53,001 to $68,000 $39,001 to $53,000 $24,001 to $39,000 and apolis Fort Wayne ouisville Ann Arbor Dadon incinnati Frankfort Livonia Lexington -Toledo Detroit OH blumbus Cleveland Akron Charleston Ene Pittsburgh Note: assets and location data as of 12/31/2015; household income data as of 2012 (source: SNL) PA NY Harrisburg "Baltimore Alle Phil a Richmond Washington MpAnnapolis Arlington "Alexandria 9#11#12#13#14#15#16#17#18#19#20#21#22#23#24#25#26#27#28#29#30#31#32#33#34#35#36