Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 7

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 7
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 through digitization and technology investments 5 Unique advantages, sustainable growth, shareholder focus Note: assets under trust are market value of Trust & Investment Services assets under management and securities brokerage assets are account value (including annuities), both as of 12/31/2024; Kroll Bond Rating Agency rating affirmation announced 7/30/2024 Investment Rationale Balanced and Diversified with Unique Long-Term Advantages Disciplined Growth from Distinct Long-Term Growth Strategies Legacy of Credit Quality, Risk Management, and Shareholder Focus • Organic growth-oriented business model supported by strategic acquisition and loan and production office strategies that support positive operating leverage • Relationship-focused model that meets customer needs efficiently and effectively • Leveraging digital capabilities to drive customer relationship value • Focus on positive operating leverage built upon a culture of expense management • Uncompromising approach to risk management, regulatory compliance, credit underwriting, and capital management • Eight consecutive “outstanding” CRA ratings from the FDIC since 2003 • Senior unsecured debt ratings of BBB+ to WesBanco, Inc. and A- to WesBanco Bank, Inc., from Kroll Bond Rating Agency • Critical, long-term focus on shareholder return through earnings growth and effective capital management ©2025 WesBanco, Inc. | All rights reserved

Strategies for Long-Term Success ©2025 WesBanco, Inc. | All rights reserved

Organic growth-oriented business model Long-Term Growth Strategies Focus on Delivering Positive Operating Leverage Strong Legacy of Credit, Capital, and Risk Management Diversified Loan Portfolio Built upon a Relationship Focused Model Distinct Revenue Capabilities, Led by 100+ Year Wealth Management Business Digital Banking Service Strategies and Core Deposit Advantage Franchise-Enhancing Expansion through LPO Strategy and Targeted Acquisitions ©2025 WesBanco, Inc. | All rights reserved

Comm'l & Industrial 14% Consumer 2% HELOC 6% Residential R/E 20% Comm'l R/E: Land, Construction 11% Comm'l R/E: Owner Occupied 12% Comm'l R/E: Improved Property 35% • Focus on strategic diversification and growth built upon strong credit quality ▪ Balance disciplined loan origination with prudent underwriting standards ▪ Focus on relationship lending ▪ Key offerings include loan swaps, treasury management, foreign exchange, cyber security, and lockbox services ▪ Strong residential mortgage program, including home equity lending ▪ Loan production office and lender hiring strategy • Average loans to average deposits ratio