Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 9

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 9
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) CAGR 28% $2.3 $2.4 $3.2 $4.3 $6.0 2002 2008 2012 2018 2024 Trust & Investment Services AUM (Market Value as of 12/31) ($B) CAGR 4.4% x/xx x/xx Private Client • $1.5B in private client loans and deposits • 5,500+ relationships • Private wealth management growth opportunities across all markets $1.5 $1.4 $1.5 $1.7 $1.9 2021 2022 2023 2024 Securities Brokerage Account Value (Market Value as of 12/31) ($B) CAGR 11% x/xx Insurance: personal, commercial, title, health, and life; expand title business in all markets; digital insurance agency for both personal and commercial property & casualty; and third-party administrator (TPA) services for small business healthcare plans ©2025 WesBanco, Inc. | All rights reserved

New capabilities with long-term growth opportunities Treasury Management • Focus on building comprehensive business customer relationships by providing individualized services to improve cash flow management, increase earning power, and strengthen fraud protection for clients • Key Treasury Management services ▪ Online and mobile access ▪ Deposit services ▪ Payables ▪ Sweep products ▪ Fraud and risk mitigation • New Treasury Management products ▪ Multi-card (purchasing, T&E, fleet, virtual cards) ▪ Deposit escrow sub-accounting capabilities ▪ Integrated payables ▪ Integrated receivables • During 2023, transformed the Treasury Management business line into a sales-oriented organization that strategically partners with commercial and business bankers to strengthen customer relationships • Represents an untapped market for our business clients, as current focus is on building a strong pipeline to drive future fee-based revenues Industry experts estimate that 40% of all B2B payments in the U.S. are still made with a check ... costing companies $25 billion of processing costs annually ©2025 WesBanco, Inc. | All rights reserved

• Digital banking utilization ▪ ~75% of retail customers utilize online digital banking services ▪ ~5.0 million web and mobile logins per month ▪ Mobile ~50% of total, with an average of 16 monthly logins per customer ▪ ~290,000 mobile wallet transactions, ~45,000 Zelle® payments, and ~11,000 mobile deposits per month