Umb Financial Corporation · NASDAQ:UMBF

Umb Financial — Q3 2013 Earnings Presentation

18 slides from Umb Financial's earnings presentation, Oct 22, 2013

  1. Slide 1: Third Quarter 2013

    Third Quarter 2013 UMB Financial Exhibit 99.2

  2. Slide 2: Business Segment Metrics

    Business Segment Metrics

  3. Slide 3: Institutional Investment Management

    Institutional Investment Management A B C E * Industry data source: Strategic Insight AUM increased 29.6% year- over-year to $29.3 billion Record net inflows of $1.9 billion for Q3’13; year-to-date flows of $4.4 billion Q3’13 industry stats: Equity funds realized $113.2B in net inflows; Taxable bond

  4. Slide 4: Institutional Investment Management: AUM Drivers

    Institutional Investment Management AUM Drivers $2,204.5 $932.7 $486.2 Total Change ($millions) $25,746.8 $23,542.3 $22,609.6 Total AUM ($millions) $567.3 $26,314.1 $2,994.8 $29,308.9

  5. Slide 5: Institutional Investment Management: Total AUM

    Institutional Investment Management Total AUM

  6. Slide 6: Equity and Fixed Income Strategies

    WEquity MIFixedincome Equity Strategies Fixed Income Strategies International ml Other: Core Plus core : Emerging Markets . = Mid cap Ga "LowDuration _# RealReturn = International ADR = Unconstrained a Intermediate = Small Cap HLongDuration © Global Aggregate

  7. Slide 7: Fixed Income AUM

    Fixed Income AUM 3Q°12 Strategy Mix Core Plus Core Low Duration Real Return Unconstrained _ intermediate Mlong Duration Global Aggregate

  8. Slide 8: Asset Servicing

    Asset Servicing A B Total AUA increased by 21% to $181.7 billion year-over-year In the past 12 months, fund accounting and administration AUA grew by 40%; 26 new funds added Quarter 2013 Highlights $162.4 $179.3 $206.4 $156.0 $165.4 $168.0 $181.7 1Q13 2Q13 3Q13 Assets Under Administration ($billions

  9. Slide 9: Asset Servicing Business Metrics

    Asset Servicing Business Metrics

  10. Slide 10: Payment Solutions: Card Purchase Volume and Interchange Revenue

    $10.6 $13.8 $15.7 $15.4 Payment Solutions Inter- change 3Q ‘09–’13 11.7% A Commercial credit card B $0.85 $0.85 $1.04 $1.10 $1.06 $1.08 $1.31 $1.36 $1.29 $1.26 $1.58 $1.48 $1.37 $1.38 $1.79 $1.72 $1.64 $16.4 Purchase Volume ($ billions) Interchange ($ millions) Total Card Purchase Volume & Interchan

  11. Slide 11: Payment Solutions: Healthcare Services

    Payment Solutions A B Health Savings Accounts & Balances * Deposits and investment assets Healthcare card purchase volume +52% to $680.2 million vs. 3Q’12 Customer deposits and assets +50% to $637.8 million vs. 3Q’12 Quarter 2013 Highlights Healthcare Services Card Utilization rd

  12. Slide 12: Bank

    Bank A B C 49.3% 49.2% 49.4% 49.0% 47.1% 46.0% Assets Under Management ($ billions) HELOC Lending (average balances) Total net loans grew for the 14 consecutive quarter, increasing 20.9% year-over-year to $6.4 billion Private Banking exceeded $305million in average loan balances, an increase of 38.4

  13. Slide 13: Commercial Loans By Region

    48.5% 47.9% 47.4% 45.8% 43.9% 42.4% Bank 5 yr CAGR 3Q ‘08–’13 10.9% 0% 50% 100% 3Q'08 3Q'09 3Q'10 3Q'11 3Q'12 3Q'13 KC CO STL Greater MO KS OK AZ NE TX High Growth Regions 3Q’13 vs. 3Q’12 • Arizona +65% • Nebraska +32% Commercial Loans By Region • St. Louis +32% • Oklahoma +25% Commercial Loan Growt

  14. Slide 14: Deposits By Region

    Bank 5 yr CAGR 3Q ‘08–’13 12.6% 48.1% 53.8% 55.0% 58.3% 60.0% 64.1% Deposits By Region 0% 50% 100% 3Q'08 3Q'09 3Q'10 3Q'11 3Q'12 3Q'13 KC STL CO Gtr MO KS OK AZ NE

  15. Slide 15: Deposit Composition

    Deposit Composition Deposit Composition by Line of Business At September 30, 2013

  16. Slide 16: Appendix

    Appendix

  17. Slide 17: Slide 17

  18. Slide 18: Slide 18

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