Umb Financial Corporation · NASDAQ:UMBF
Umb Financial — Shareholder Meeting (April 2016)
24 slides from Umb Financial's shareholder meeting presentation, Apr 26, 2016
Slide 1: Annual Meeting of Shareholders April 26, 2016
Annual Meeting of Shareholders April 26, 2016 More Defines Us Exhibit 99.2 UMB Financial
Slide 2: A Quick Look Back
$19.39 $38.34 $1.37 Billion $2.30 Billion A Quick Look Back UMB +7.1% Industry Median +4.0% UMB +7.2% Industry Median +2.0% (1) (1) Book Value Market Capitalization Total Deposits $5.9 billion $15.1 billion Total Loans $3.4 billion $9.4 billion At December 31, Assets Under Management $8.2 billion $4
Slide 3: Consistent Loan Growth
Consistent Loan Growth 10 Year Growth +177.9% The 10-year industry (3) median increase in loan balances = 73.4% End-of-Period Total Loans (1) ($ in billions) (2) (1) Includes loans held for sale. (2) On 5/31/15, we closed the acquisition of Marquette Financial Companies and loans with an acquired va
Slide 4: Consistent Underwriting Standards
Consistent Underwriting Standards 2007 2008 2009 2010 2011 2012 2013 2014 2015 History of Net Charge-Offs Non-Performing Loans vs. Banking Industry UMBF Industry Median (3) (1) Commercial includes C&I, Commercial credit card, CRE, RE Construction, asset-based, and factoring loans. (2) Other includes
Slide 5: Consistency Leads to Revenue Growth
Consistency Leads to Revenue Growth 10 Year Growth +99.6% $440.2 $472.2 $521.5 $587.8 $613.2 $671.0 $731.3 $778.2 $825.1 $848.7 $878.5 Total Revenue Trends ($ in thousands) 57.2% 54.0% 55.4% 53.2% 50.6% 53.7% 56.7% 58.9% 59.6% 58.8% 53.1% Net Interest Income Noninterest Income NIM
Slide 6: Agenda
Agenda Evolution 2015 Highlights Questions & Answers 2016 and Beyond More Defines Us
Slide 7: 2015 Highlights
2015 Highlights • We closed on our acquisition of Marquette Financial Companies on May 31, 2015 o Expanded presence in key banking markets o Added new specialty finance businesses • Announced a company-wide efficiency initiative o Identified $32.9 million in annual cost savings, to be fully realized
Slide 8: 2015 Results At-A-Glance
2015 Results At-A-Glance $0.59 $0.60 All comparisons are full-year 2015 vs. full-year 2014 $0.78 $0.46 $0.76 $0.65 $0.52 $0.74 Diluted Earnings Per Share $2.65 $2.44 4Q 3Q 2Q 1Q Net Income : $116.1 million, a year - over - year decrease of $4.6 million Primary drivers: • Higher Expenses + $38.1 mill
Slide 9: Agenda
Agenda Evolution 2015 Highlights Questions & Answers 2016 and Beyond More Defines Us
Slide 10: 1st Quarter 2016 Results
1 st Quarter 2016 Results $0.59 $0.60 Return on average equity $0.52 $0.74 $0.74 $0.76 $0.65 $0.78 $0.46 4Q 3Q 2Q 1Q Diluted Earnings Per Share All comparisons are first quarter 2016 vs. first quarter 2015 1Q’16: 7.51% 4Q’15: 6.15% Return on average assets 1Q’16: 0.75% 4Q’15: 0.63% Net Income : $36.
Slide 11: Morningstar Ratings
Morningstar Ratings Fund Name Category Overall Rating Funds in Category Fund Name Category Overall Rating Funds in Category The Overall Morningstar Rating™ for a fund is derived from the weighted-average of the performance figures associated with its 3-, 5- and 10-year (if applicable) Morningstar Ra
Slide 12: Agenda
Agenda Evolution 2015 Highlights Questions & Answers 2016 and Beyond More Defines Us
Slide 13: 2015 Annual Report
2015 Annual Report
Slide 14: More Than an Institution – Our People
More Than an Institution – Our People 3,830 Associates Continuity – We’re in it for the long run Associate Average Tenure All Associates Commercial Bankers Loan Committee Line of Business Leaders 8.4 years 8.7 years 13.4 years 18.8 years
Slide 15: Caring for Our Communities
Caring for Our Communities Community volunteer time: 9,540 hours
Slide 16: Returning Value to Shareholders
Returning Value to Shareholders Dividend increase = 108.8% Industry Median -4.2% decrease Nearly 60% of banks decreased dividends between 2008 and 2010 Industry is defined as all publicly traded banks with dividends reported in 2005. Source: SNL Financial $0.455 $0.515 $0.570 $0.655 $0.710 $0.750 $0
Slide 17: Total Shareholder Return
+72.9% Total Shareholder Return December 31, 2005 – December 31, 2015 Reinvesting all cash dividends $100 UMBF
Slide 18: Total Shareholder Return
+72.9% Total Shareholder Return December 31, 2005 – December 31, 2015 Reinvesting all cash dividends +102.4% $100 UMBF S&P 500
Slide 19: Total Shareholder Return
+72.9% Total Shareholder Return December 31, 2005 – December 31, 2015 Reinvesting all cash dividends +102.4% -6.2% $100 UMBF S&P 500 SNL U.S. Bank
Slide 20: Stock Price Change
Stock Price Change +63.7% +45.7% December 31, 2005 – December 31, 2015 -29.6% -26.0% S&P 500 UMBF SNL U.S. Bank KBW Nasdaq Bank
Slide 21: Recent Stock Performance
+2.3% +13.8% Recent Stock Performance Year-to-Date 2016 -4.4% -4.0% UMBF S&P 500 KBW Nasdaq Bank SNL U.S. Bank
Slide 22: Agenda
Agenda Evolution 2015 Highlights Questions & Answers 2016 and Beyond More Defines Us
Slide 23: Questions & Answers
Questions & Answers
Slide 24: Annual Meeting of Shareholders April 26, 2016
Annual Meeting of Shareholders April 26, 2016 More Defines Us UMB Financial