1. First Niagara Financial Group
NASDAQ: FNFG
“ Our customers know that they are banking with an
organization that wins with local decision-making, has a very nimble
and responsive leadership style and possesses a real sense of
responsibility and commitment to every community we serve.”
– John R. Koelmel, First Niagara Financial Group, President and CEO.
Overview Fast Facts
First Niagara, through its wholly owned subsidiary, • ounded in 1870 the bank has grown significantly in
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First Niagara Bank, N.A., is a multi-state community- size and reach and currently serves more than 730,000
oriented bank that currently has approximately $33 customers across its multi-state operations.
billion in assets, $19 billion in deposits, more than 330 • isted on the Nasdaq Stock Market under the trading
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branches and 5,000 employees providing financial symbol: FNFG
services to individuals, families and businesses across
Upstate New York, Pennsylvania, Connecticut and • eographic footprint extends across Upstate New York,
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Massachusetts. Pennsylvania, Connecticut and Massachusetts.
• top 25 U.S. bank by assets and market capitalization.
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When First Niagara completes its acquisition of the
• More than $16 billion in loans.
HSBC branches, expected to occur in the second
quarter of 2012, the regional bank will have an • irst Niagara Risk Management among top 50 Insurance
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enhanced leadership position in the Northeast, with Agencies in U.S.
nearly 430 locations, $30 billion in total deposits,
$38 billion in assets and more than 6,000 employees
serving consumers, businesses and communities
across New York, Pennsylvania, Connecticut and
Massachusetts. The transaction will also provide
First Niagara with number-one retail market share
across Upstate New York, virtually doubling its number
of branches in New York State to more than 200, d
an
stretching from Buffalo to Albany and down through gl
the Hudson Valley. Syracuse
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Rochester
New
Buffalo
New York
Erie Springfield
Albany
Hartford Manchester
New Haven
Pennsylvania
Allentown
Pittsburgh
Philadelphia
Fourth Quarter 2011 Fact Sheet

2. Regional Market Centers1
Region MSA Employees** Branches ATMs Deposit Share2
Upstate New York - West Buffalo; Niagara Falls, Rochester 1,816 52 66 11.31%
Upstate New York - East Syracuse; Albany; Schenectady; Troy 845 64 75 4.79%
Total Upstate New York 2,661 116 141
Western Pennsylvania Pittsburgh; Erie 685 61 77 3.77%
Eastern Pennsylvania Philadelphia; Allentown; 718 68 72 0.69%
Bethlehem–Easton
Total Pennsylvania 1,403 129 149
New England Hartford; New Haven; Springfield 944 88 97 6.64%
Total New England 944 88 97
Total 5,008 333 387
Products Credit Ratings1 **Employee count as of February 13, 2012
Personal Standard and Poor’s: BBB
Small Business Moody’s Investor Service: Baa2
Commercial Fitch Rathings: BBB
Insurance
Benefit Consulting
Government
Wealth Management Services
Specialized Lending
Capital Markets Services
Highlights
• irst Niagara capped a successful 2011 by delivering
F • he company successfully raised more than $1 billion
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solid results in the fourth quarter and record full-year in new capital to fund its HSBC-branch acquisition
earnings. and announced its planned divestitures related to the
• obust organic growth in commercial loans and superior
R transaction. First Niagara remains on-target to close its
credit quality underscore the continued strength of First acquisition in the second quarter of 2012.
Niagara’s core business fundamentals. • The company continues to maintain capital levels well
• irst Niagara continued to grow organic deposit
F above the required regulatory guidelines.
balances across its entire footprint as it continues to win
market share in both its new and legacy markets.

3. In the Community
Mentoring Matters
First Niagara’s Mentoring Matters Program provides critical financial and impacting more than 15,000 youth in more than 175 organized mentoring
volunteer support for mentoring efforts conducted throughout the Northeast programs. In total, First Niagara will have provided more than $3.25 million to
to reinforce the importance, and showcase the positive impact mentoring support mentoring efforts throughout its Upstate New York, Pennsylvania, and
has on the lives of today’s youth. Now in its fifth year, Mentoring Matters will New England service areas.
top the $2.5 million total grant mark in Upstate New York in 2011– positively
Significant Mergers and Acquisitions
HSBC Bank USA, N.A. (Upstate New
Albion Bancorp Iroquois Bancorp Troy Financial Corp Great Lakes Bancorp Harleysville National Corp
York and Connecticut Branch Acquisition)
March 24 November 3 January 16 February 15 April 9
Pending regulatory approval
FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting
FNFG Anticipated Resulting
Total Assets: 1.8 billion Total Assets: 2.6 billion Total Assets: 5.0 Billion Total Assets: 9.1 billion Total Assets: 20.3 billion
Total Assets: 38.0 billion
FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting
FNFG Anticipated Resulting
Total Deposits: 1.2 billion Total Deposits: 1.9 billion Total Deposits: 3.3 Billion Total Deposits: 6.1 billion Total Deposits: 13.7 billion
Total Deposits: 30.0 billion
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
CNY Financial Corp Finger Lakes Bancorp Hudson River Bancorp National City/PNC (Branch Acquisition) NewAlliance Bancshares Inc.
July 7 January 17 January 14 September 4 April 15
FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting
Total Assets: 2.1 billion Total Assets: 3.5 billion Total Assets: 7.9 billion Total Assets: 16.3 billion Total Assets: 30.4 billion
FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting FNFG Resulting
Total Deposits: 1.5 billion Total Deposits: 2.9 billion Total Deposits: 5.1 billion Total Deposits: 10.2 billion Total Deposits: 18.8 billion
Media Relations Contact
David Lanzillo | 716-819-5780 | david.lanzillo@fnfg.com | www.firstniagara.com 1 Employee, branch and ATM data as of most recent quarter
Public Relations and Corporate Communications 2 Most recent FDIC data as of June 30, 2011
This document may contain forward-looking information for First Niagara Financial, Group, Inc. Such information constitutes forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995)
which involve significant risks and uncertainties. Actual results may differ materially from the results discussed in these forward-looking statements.