Bok Financial Corporation · NASDAQ:BOKF
Bok Financial — Investor Presentation (November 2025)
25 slides from Bok Financial's investor presentation, November 2025
Slide 1: Investor Presentation November 2025
Investor Presentation November 2025 BOK FINANCIAL CORPORATION
Slide 2: Legal Disclaimers
Legal Disclaimers This presentation contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the financial services industry, and the economy generally. Words such as “anticipates,” “beli
Slide 3: Corporate Snapshot
NASDAQ: BOKF Corporate Snapshot + Top 30 national/regional bank* + Midwest/Southwest franchise + 115 full-service locations across 8 states + Seasoned management team + Proven ability to deliver organic growth + Consistent execution and strategy + Long-term focused Key Statistics as of September 30,
Slide 4: Core Strategy
Core Strategy Build a bank with diverse revenues that can compete upstream and outperform peers across varying economic cycles. "There is no principle more emphasized in our organization than managing for long-term value rather than short-term results." George Kaiser, Chairman Long-term EPS Growth v
Slide 5: Diversified Loan Portfolio
Diversified Loan Portfolio Disciplined concentration management, diversified by sector & geography Loan Segmentation Collateral Location as of 9/30/2025 as of 9/30/2025 @ Commercial real estate Texas Healthcare © Oklahoma @ Loans to individuals @ Colorado 11% © Services @ Arizona @ Energy @ Kansas/M
Slide 6: Diversified Loan Portfolio
Diversified Loan Portfolio Energy Banking + More than 100-year history in energy lending + Focus on first-lien, senior-secured E&P lending, the "sweet spot" in energy lending + Seasoned internal petroleum engineering staff to confirm collateral values - a material investment that is a key to strong
Slide 7: Strong Core Deposit Franchise
Strong Core Deposit Franchise Deposit Mix & Cost ($Millions) Deposit Mix by Geography Deposit Mix by Line of Business Demand Total Deposit Breakdown @ interest-bearing transaction @ Savings 4% Time Y e - 19% 20% $45,000 fo A% $40,000 $35,000 9% 5% 6% 52% $30,000 $25,000 24% 48% $20,000 $15.00 Wealth
Slide 8: Peer-leading Fee Income and Steady Profitability
Peer-leading Fee Income and Steady Profitability Summary 35%-40% of total revenues come from a diverse set of well- established fee income businesses, a differentiator compared to other midsized regional banks Markets & Securities Segment Consistently among the top dealers of mortgage backed securit
Slide 9: Wealth Management
Wealth Managemen Primary Lines of Business + Private Wealth / Asset Management - Banking and investment management, trust and estate administration, and Cavanal Hill family of funds Institutional Wealth - Retirement plan services, financial planning, corporate trust, business transition services, in
Slide 10: Wealth Management
Wealth Managemen Awards, Recognition, and Rankings + Retirement Plan Services recognized as a top five provider and recipient of six "Best in Class" awards in 2023 + Eighth largest corporate trustee bank by number of trusteeships and fifth in paying agencies + Among the top bond underwriters and fin
Slide 11: Completes BOKF's mortgage lifecycle
Completes BOKF's mortgage lifecycle Mortgage Finance product offering: Origination Successful launch of business in the 3rd quarter Full-service retail origination capabilities + First loans have been funded Servicing * Outstandings to ramp up in Q4 * Over 124,000 loans with $22.1 + Approximately 90
Slide 12: Transaction Processing
Transaction Processing Debit Processing & ATM Network * Operates nationally More than 75% of clients are outside of Oklahoma Clients: Banks, Credit Unions and C-store chains 800+ million EFT transactions processed in 2024 Second highest year in TransFund history for debit processing, ATM, and mercha
Slide 13: Q3 Financial Highlights
Q3 Financial Highlights * Net Income was $140.9 million, or $2.22 per diluted share + Net interest margin expanded 11 basis points to 2.91% and core net interest margin, excluding trading, grew 4 basis points to 3.16%" + Period end loans grew $573 million or 2.4% to $24.9 billion with growth in our
Slide 14: Additional Details
Additional Details ($Billion) Period End Loans Average Loans Period End Deposits Average Deposits Fiduciary Assets Assets Under Management or Administration Q3 2025 $24.9 $24.8 $38.5 $38.5 $73.9 $122.7 Quarterly Sequential 2.4% 2.7% 0.7% 0.9% 3.9% 4.1% Quarterly YOY 3.7% 2.1% 3.4% 47% 15.9% 10.8% Pe
Slide 15: Credit Resilience
Credit Resilience Disciplined Credit Concentration 100 year history in energy lending and a tested playbook + 71% oil / 29% gas-weighted borrowers + Robust stress testing process and 18 petroleum engineers and analysts on staff * CRE limit on total committed balances is 185% of tier one capital plus
Slide 16: Loan Portfolio
Loan Portfolio Combined Services & General Business (Core C&l) balances increased $112 million or 1.4% linked quarter Energy balances decreased $53 million as we continued to see elevated payoff activity in this portfolio Healthcare balances increased $70 million linked quarter, reflecting strong or
Slide 17: Credit Quality Metrics
Credit Quality Metrics * Credit quality remains excellent with non-performing assets, excluding loans guaranteed by U.S. government agencies, totaling $67 million or 0.27% of outstanding loans and repossessed assets + Trailing 12 months net charge-offs at 2 bp with net charge-offs of $3.6 million du
Slide 18: Yields, Rate & Margin
Yields, Rate & Margin Net Interest Income + Net interest income was up $9.5 million linked quarter, driven by the continued upward repricing of fixed-rate securities and loans, complemented by decreasing deposit costs. Core net interest income, excluding trading, increased $11.3 million* Net Interes
Slide 19: Fee Income - Markets & Securities
Fee Income - Markets & Securities Trading Fees * Trading fee income increased $1.1 million driven by increased municipal bond trading and a more stable market environment Investment Banking Fees + Investment banking revenue, which includes investment banking fees and syndication fees, grew $5.0 mill
Slide 20: Fee Income - Asset Management & Transactions
Fee Income - Asset Management & Transactions + Fiduciary and Asset Management — Qtr.Seq. Qtr.Seq. Qtr. YOY A Mill 3 2025 revenue was relatively stable (Million) Q $Change %Change % Change compared to the prior quarter. Q2 Markets & Securities $ 63.0 $ 5.9 10.3% (8.4)% () results were elevated due to
Slide 21: Expenses
Expenses Personnel expenses were up $11.6 million Regular compensation increased $3.1 million, largely reflecting transitional payments as we align our talent base to future growth objectives Incentive compensation costs grew $7.9 million with $5.4 million related to cash-based incentives reflecting
Slide 22: 2025 Full Year Outlook
2025 Full Year Outlook Al YY 79 Continuing our recent trend of consecutive quarters with near EOP Loans $24.1 billion 5%-7% growth double-digit annualized growth. EOP Inv Securities $14.9 billion Flat _ Assumes two 25bp rate cuts (Oct/Dec) by year-end. Incremental Net Interest Income $1.2 billion $1
Slide 23: Securities and Interest Rate Risk Position
Securities and Interest Rate Risk Position Securities Portfolio Interest Rate Risk + Short duration with limited extension, current portfolio duration * Approximately 75% of the total loan portfolio is variable rate or is 3.0 years, extending to only 3.4 years if rates increase 200 fixed rate that r
Slide 24: Liquidity & Capital
Liquidity & Capital Q3 2025 Loan to Deposit Ratio 64.6% Period-End Deposits $38.5 billion Available Secured Capacity $22.5 billion Common Equity Tier 1 13.6% Total Capital Ratio 14.5% Tangible Common Equity Ratio * 10.1% Uninsured Deposit Coverage ($Billion) $30.0 $27.0 $25.0 $20.0 $15.0 $10.0 $5.0
Slide 25: BOK Financial Corporation
BOK FINANCIAL CORPORATION
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