FNB Corp

1. Credit risk: As a financial institution, FNB Corp is exposed to credit risk which is the potential for its borrowers or counter-parties to default on their loan obligations. This can significantly impact the company's financial health and profitability.

2. Interest rate risk: Movements in interest rates can affect the profitability of FNB Corp as they can impact the company's cost of funds and the interest it earns on loans and investments. Changes in interest rates can also affect the demand for loans and deposits, which can impact the company's revenue.

3. Market risk: FNB Corp is exposed to market risk due to fluctuations in the financial markets. This includes changes in market interest rates, exchange rates, and asset prices, which can affect the company's financial performance and value of its investments.

4. Regulatory risk: Being a financial institution, FNB Corp is subject to extensive regulatory oversight and compliance requirements. Non-compliance with these regulations can result in fines, penalties, and reputational damage.

5. Operational risk: FNB Corp is also exposed to operational risk, which includes risks associated with internal processes, systems, and human error. These risks can result in financial losses, reputational damage, and regulatory sanctions.

6. Liquidity risk: FNB Corp must maintain sufficient liquidity to meet its financial obligations and manage unexpected cash outflows. A liquidity shortage can impact the company's ability to fund its operations and meet its obligations, which can negatively impact its financial performance.

7. Cybersecurity risk: With the increasing reliance on technology and digital networks, FNB Corp is vulnerable to cyber threats, such as data breaches and cyber-attacks. These risks can result in financial losses, reputational damage, and regulatory scrutiny.

8. Economic downturns: FNB Corp's financial performance is closely tied to the overall economy. Economic downturns, such as recessions, can negatively impact the company's loan portfolio, asset quality, and profitability.

9. Competition: FNB Corp operates in a highly competitive market with other financial institutions vying for the same customers and market share. Increased competition can put pressure on the company's margins and affect its growth prospects.

10. Adverse events: FNB Corp is exposed to various external factors that can negatively affect its operations and financial performance, such as natural disasters, political instability, and pandemics. These events can disrupt the company's operations, result in financial losses, and impact its reputation.