National Bank Holdings Corporation · NYSE:NBHC

National Bank — Q3 2012 Earnings Presentation

31 slides from National Bank's earnings presentation, Nov 27, 2012

  1. Slide 1: Third Quarter Update November 27, 2012

    Exhibit 99.1 Third Quarter Update November 27, 2012

  2. Slide 2: Forward-Looking Statements

    Forward-Looking “could,” estimates, factors, forward-looking expressed trends performance (1) rate integrate banking competition estate ability in earthquakes, (17) operational generate liquidity sponsored and reserve generation results statement update applicable more Analysis GAAP Appendix compara

  3. Slide 3: Company Overview

    Company Overview

  4. Slide 4: A Foundation Deployed / Company Snapshot

    A Foundation Deployed Completed strategy rate) \IBNJS002VF\BOULEVARD11\GR of excess Profitable $650mm four For A-T acquisitions Growth since accretable TBVinception / 4Share Stock inyield 12(Inception months of Price and APHICS\MapInfo\Colorado—Kansas banking FDIC / Market Created / Current operatio

  5. Slide 5: NBH Management Team

    NBH of commercial Chief America Officer Acquisitions Management Executive atRichard PNC banking, Brian and Officer Newfield Team Strategy private Lilly (30 5 Chief Head Chief years (23 banking, years of Financial Risk inM&A banking) corporate in Officer banking) and Officer Head Corporate (27 market

  6. Slide 6: Accomplished Board of Directors

    Accomplished Laney Committee Finance Micho Mergers President Spring LLCCo-Chair andManaging Acquisitions Director Board / CEO of Partner of Chair Senior Directors Gibson, of BB&TPresident of of EVP Global the Dunn Title and St. Past Corporate Louis Head & Crutcher Experience and of office Business C

  7. Slide 7: Our Objectives

    7 Acquisition Bank HoldingGrowth Company Organic Our Objectives Growth Attractive Markets Disciplined Acquisitions Client-Centered, Relationship-Driven Enhanced Product Offerings Scalable Operating Platform & Efficiencies Leading Regional

  8. Slide 8: Investment Highlights

    Investment Operating Team and Board Platform Highlights of Directors Implemented 8 Disciplined with Focus Full Conversion on Building of Meaningful All Acquisitions Scale and Organic Market Growth ShareAccelerating in AttractiveAttractive Markets Expertise Low-RiskinProfile FDIC-assisted Availablean

  9. Slide 9: Attractive Footprint

    Attractive Footprint Divisional Banks Source: 9 Bank SNL Holding Financial. Company Kansas 2 MAPINFO City RegionSOURCE: Colorado \IBNJS002VF\BO 25 70 35 70 ULEVARD11\GR APHICS\MapInfo\ Colorado—Kansas City Maps\MAP.wor OCC Charter (Single Charter) Local Branded

  10. Slide 10: Our Markets Are Attractive: Key Statistics

    Key Statistics Collins, (determined and by Greeley bypopulation). MSA,MSAs. 201110 Deposit Source: Our Markets data SNLasFinancial, of are30-Jun-12. Attractive U.S. Front Census, 1 Range U.S. unemployment Bureau of Economic based Analysis. on a weighted Note:average “Front of Range” Sep-12 statistic

  11. Slide 11: Proven Acquirer of Value

    Provenof value Dec-09 asset. Discount Branches: Kansas Acquirer with net / 39 FV assets greater Unassisted City Marks – (bargain MSA FDIC than NetColorado Assisted transaction $250 ofpurchase Loss million Coverage and 11Oct-2010 gain Jul-2011 Unassisted in deposits or4goodwill) Asset Assets: Transac

  12. Slide 12: Future Acquisition Opportunities

    are defined since Number Date: User: Source: Historical Institutions Assets31-Dec-08. 06-Feb-12 krgreen ($bn) SNL \\IBNJS002VF\BOULEVARD11\ ofAcquisition Acquisition as 30$87.2 ($750mm-$10bn Financial. all 3008:50:15 banks Totals 12$87.2 42Market Opportunities ¹& Total and Includes $93.9 thrifts sub

  13. Slide 13: Well Positioned to Capture Market Opportunity

    Well Positioned banking Commercial centers 1Q11 58 to Capture 2Q11 commercial 3Q11 Fair4Q11 bankers Share1Q12 ofBMW Market 2Q12 &Market 3Q12 Hillcrest Opportunity Conversion13KC Source: New Talent SNL Financial, Recruit / Sales Hoovers Initiative D&B, BoC and U.S. & CBOC Bureau Conversion of Economi

  14. Slide 14: New Resources: Leadership and Commercial Banker Hires

    New Resources Sanderson, /Bank Management Lending Gaiter Commercial BankLeadership / Chief First ofOfficer America Officer aData Bankers of Boeing Bank Acquisitions Commerce Hires Director Joseph Small ofcompany 6America Treasurer New Business Bonner ofBancshares & Commercial Enterprise Director Sen

  15. Slide 15: Accomplishments 2012 YTD

    Accomplishments branding 2012YTD and Initiated marketing toquarterly Date Consolidated Completed dividendfour bank of $0.05 acquisitions charters Announced Leadership Established modest andstock scalable, banker repurchase hires efficient 30 new program operating leadership ($25mm platform hires aut

  16. Slide 16: Financial Overview

    Financial Overview

  17. Slide 17: Third Quarter Earnings Summary

    Third our amillion 1.94% Completed life-to-date strategic Quarter of tototal accretable the loan basis Earnings loans integration portfolio Tangible at yield September Summary of for Grew book our theacquisitions average value acquired 17 30,Reported 2012 per non-interest loans share from to3Q12 aac

  18. Slide 18: Profitability and Financial Metrics

    18 Offmetrics NBH Financial Excess Banks of to A-TColorado ametrics Great accretable presented Start tax 1 Profitable affected yield Profitability on andefined adjusted based since&on asbeginning Adj. basis, total the ROATA effective accretable which of operating TBV excludes taxyield rate / Share f

  19. Slide 19: Balance Sheet and Loan Portfolio

    (CHART) composed Non 30 Loan 310-30 Pools 19 ofLoan common 69% Accretable Pools of total equity $967mm Yield assets Loan Reclassification are 50% Portfolio in 310-30 cash, ~80% securities Loan Life-to-Date ofPools portfolio (low-risk, $971mm ($mm) carry high- 50% acquisition quality New Originations

  20. Slide 20: Strategic Loan Composition and Growth

    20Growth Q Strategic ? ?Strategic 40% 54% Loan 52%Composition 2% 52% Q-o-Q (30-Sep-12) Growth ($ ? ?in40% millions) 54% 52%High2% Quality 52% and Stable Strategic Loan Portfolio Strategic Loans – Non-performing (30-Sep-12) Strategic Portfolio: $1.1bn Loan Originations Q-o-

  21. Slide 21: Deposit Composition and Cost of Deposits

    21 Deposit Date: User: Source: (16) bps 06-Feb-12 krgreen \\IBNJS002VF\BOULEVARD11\R (18) Composition bps06:27:30 (10) bps (5) bps (10) bps 6/30/12 oadshow12/31/11 Presentation\xls\Deposit 12/31/10 Rate 0.85% Composition_V3.xlsx 0.75% 0.96% 1.69% (Deposits) 2.10% 1.72% Cost of (10) Deposits bps 9/30

  22. Slide 22: P&L Metrics: Margin, Provision, Expenses

    22 Provision bargain owned Date: User: Source: 49.9 Net 06-Feb-12 krgreen expenses, purchase \\IBNJS002VF\BOULEVARD11\R Interest For 06:27:30 Margin Loan problem gains,Losses related $43.2 loanNote: expenses, acquisition Please and expenses, refer oadshow gaintoorthe and loss Presentation\xls\Deposi

  23. Slide 23: Looking Ahead

    Looking Ahead

  24. Slide 24: Earnings Outlook and Drivers

    Organic securities, re-price and loss downward Earnings share bargain income Potential purchase Fee business 24 gains, ROATA initiatives initialNote: public Professional Please offering referfees related to the decline appendix stock-based to normal forcompensation a operating reconciliation levels

  25. Slide 25: Key Long-Term Financial Targets

    Key Long-Term Financial Targets 25

  26. Slide 26: Investment Highlights

    Investment Operating Team and Board Platform Highlights of Directors Implemented 26 Disciplined withFocus Full Conversion on BuildingofMeaningful All Acquisitions Scale Organic and Market Growth Share Accelerating in AttractiveAttractive Markets Low-Risk Expertise in Profile FDIC-assisted Available

  27. Slide 27: Appendix

    Appendix

  28. Slide 28: Conservative Investment Portfolio

    28 Conservative portfolio Aaa ratedresiding by Moody’s, Investment in HTM AAA$93mm Portfolio by Fitch, in prime 3Q12 and AA+ auto Investments by ABSS&P. is AAA by Asset ratedClass and ¹has Portfolio duration Summary of 0.7 years ¹ 100% ($ inofmillions) portfolio¹AAA Excludes rated$29mm or U.S.and ag

  29. Slide 29: Net Interest Income Sensitivity

    29 NetNBH curve. Interest Balance Income Sheet Sensitivity positioned Note: to Interest benefit from Rate rising Risk asrate of environment 30-Sep-12. ¹ 12-month Net Interest simulated Income Change net interest ¹ income impact using management projected balance sheet and an immediate parallel shift

  30. Slide 30: Reconciliation of Non-GAAP Measures

    30 Reconciliation User: Source: yield and krgreen \\IBNJS002VF\BOULEVARD11\A FDIC indemnification of Non-GAAPasset Measures yield Date: /nalyst share.07-Feb-12 Day Excess Presentation\Presentation\Consol A-T 08:18:08 accretable yield defined asidated total accretable Capital Position yield less Grap

  31. Slide 31: Reconciliation of Non-GAAP Measures (cont'd)

    31 Reconciliation User: Source: krgreen \\IBNJS002VF\BOULEVARD11\A of Non-GAAP Measures (cont’d) nalyst Day Date: Presentation\Presentation\Consol 07-Feb-12 08:18:08 idated Capital Position Graphs.xlsx (TCE-TA)

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