WesBanco Investor Presentation (Q1 2019)

Franchise Expansion Targeted acquisitions in existing markets and new higher-growth metro areas ➤ Critical, long-term focus on shareholder return ➤ Strong capital and liquidity, along with strong regulatory compliance processes, provides ability to execute transactions quickly ► Diligent efforts to maintain a community bank oriented value- based approach to our markets ➤ History of successful acquisitions that have improved earnings Note: Am Trust was an acquisition of five branches South Bend O 31 Lafayette ville o INDIANAPOLIS INDIANA Bloomington so NASHVILLE FWayneo 65 Louisvillen Contiguous Markets Radius 68 27 TENNESSEE 127 Cincinnatio KENTUCKY Lexingtono Knoxville COLUMBU 52 62 119 OHIO Clevelando Huntin tono Kingsporto 80 Akrono Youngstowno Gantono 79 Pittsburgh WEST VIRGINIA Roanokep 220 PENNSYLVANIA smo Eurlingtono High Peint 422 220 Lynchburgo Ge VIRGINIA Durhamo HARRISBURG Fredencko Fredericksburgo 460 Washingtone RICHMONDO Waldorto Franchise-Enhancing Acquisitions FFKT: announced Apr-18; closed Aug-18 FTSB: announced Nov-17; closed Apr-18 YCB: announced May-16; closed Sep-16 ESB: announced Oct-14; closed Feb-15 Fidelity: announced Jul-12; closed Nov-12 Am Trust: announced Jan-09; closed Mar-09 Oak Hill: announced Jul-07; closed Nov-07 MARYLAND Baltimorea Lenco er o (158 Reacin 17 A Virginia Beach 9

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