Northwest Bancshares Inc

FORWARD-LOOKING STATEMENTS

This document contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include, but are not limited to:

•statements of our goals, intentions and expectations;

•statements regarding our business plans, prospects, growth and operating strategies;

•statements regarding the asset quality of our loan and investment portfolios; and

•estimates of our risks and future costs and benefits.

These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

•inflation and changes in the interest rate environment that reduce our margins, our loan origination, or the fair value of financial instruments;

•changes in asset quality, including increases in default rates on loans and higher levels of nonperforming loans and loan charge-offs generally;

•changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements;

•changes in federal, state, or local tax laws and tax rates;

•general economic conditions, either nationally or in our market areas, that are different than expected, including inflationary or recessionary pressures;

•adverse changes in the securities and credit markets;

•cyber-security concerns, including an interruption or breach in the security of our website or other information systems;

•technological changes that may be more difficult or expensive than expected;

•changes in liquidity, including the size and composition of our deposit portfolio, and the percentage of uninsured deposits in the portfolio;

•the ability of third-party providers to perform their obligations to us;

•competition among depository and other financial institutions, including with respect to deposit gathering, service charges and fees;

•our ability to enter new markets successfully and capitalize on growth opportunities;

•our ability to manage our internal growth and our ability to successfully integrate acquired entities, businesses or branch offices;

•changes in consumer spending, borrowing and saving habits;

•our ability to continue to increase and manage our commercial and personal loans;

•possible impairments of securities held by us, including those issued by government entities and government sponsored enterprises;

•changes in the value of our goodwill or other intangible assets;

•the impact of the economy on our loan portfolio (including cash flow and collateral values), investment portfolio, customers and capital market activities;

•our ability to receive regulatory approvals for proposed transactions or new lines of business;

•the effects of any federal government shutdown or the inability of the federal government to manage debt limits;

•changes in the financial performance and/or condition of our borrowers;

•the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Securities and Exchange Commission, the Public Company Accounting Oversight Board, the Financial Accounting Standards Board (“FASB”) and other accounting standard setters.

•changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for credit losses;

•our ability to access cost-effective funding;

•the effect of global or national war, conflict, or terrorism;

•our ability to manage market risk, credit risk and operational risk;

•the disruption to local, regional, national and global economic activity caused by infectious disease outbreaks, and the significant impact that any such outbreaks may have on our growth, operations and earnings;

•the effects of natural disasters and extreme weather events;

•changes in our ability to continue to pay dividends, either at current rates or at all;

•our ability to retain key employees; and

•our compensation expense associated with equity allocated or awarded to our employees.

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. Please see “Item 1A. Risk Factors”.

Except as may be required by law, we disclaim any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.