Slide 1: Quality endures. Fourth Quarter & Year-End 2014
Quality endures. Fourth Quarter & Year-End 2014 January 27, 2015 Exhibit 99.2 UMB Financial
Slide 2: Performance Highlights
Performance Highlights
Slide 3: Earnings Summary – 4Q 2014
Earnings Summary – 4Q 2014 $ in thousands, except per-share data; unaudited 4Q'14 4Q'13 3Q'14 vs. 4Q'13 vs. 3Q'14 Net Interest Income 90,914 $ 85,914 $ 87,526 $ 5.8 3.9 Noninterest Income 115,248 135,607 126,475 (15.0) (8.9) Total Revenue 206,162 221,521 214,001 (6.9) (3.7) Noninterest Expense 166,7
Slide 4: Earnings Summary – Full-Year 2014
Earnings Summary – Full-Year 2014 $ in thousands, except per-share data; unaudited '14 to '13 '13 to '12 Net Interest Income 350,055 $ 333,269 $ 320,056 $ 5.0 4.1 Noninterest Income 498,688 491,833 458,122 1.4 7.4 Total Revenue 848,743 825,102 778,178 2.9 6.0 Noninterest Expense 666,926 624,178 590,
Slide 5: Performance Metrics
Performance Metrics 9.08% 6.13% 8.77% 8.77% 6.47% 0.89% 0.58% 0.89% 0.90% 0.66% 4Q'13 1Q'14 2Q'14 3Q'14 4Q'14 Return on Avg Equity Return on Avg Assets 73.64% 79.67% 73.32% 72.25% 77.46% 2.51% 2.39% 2.53% 2.53% 2.52% 4Q'13 1Q'14 2Q'14 3Q'14 4Q'14 Efficiency Ratio Net Interest Margin ROAE/ROAA Effici
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Slide 8: Deposits & % of Free Funds
38.8% 42.2% 38.0% 41.4% Deposit Growth 4Q’14 Cost of Funds 0.15% Including DDA 0.09% $0.0 $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 Interest Bearing Non-Interest Bearing Deposits & % of Free Funds At period end; $ billions $10.2 $13.6 $11.7 $13.6
Slide 9: Select Balance Sheet Items
Select Balance Sheet Items $ in thousands, average balances; unaudited vs. Dec '13 vs. Sep '14 Avg. Balance Avg. Balance Avg. Balance Assets Loans, net of unearned interest 7,320,930 $ 3.49 6,483,711 $ 3.62 6,996,363 $ 3.50 12.9 4.6 Total securities 7,155,056 1.91 6,969,863 1.97 6,992,618 1.92 2.7 2
Slide 10: Consistent Loan Growth
Consistent Loan Growth 5 Year CAGR 11.1% 4.81% 4.45% 4.01% 3.62% 3.49% Average Loans & Loan Yields $4.6 $4.9 $5.4 $6.5 $7.3 Average Loans, Net of Unearned Interest Average Loan Yield
Slide 11: Quality Credit Metrics
0.26% 0.23% 0.22% 0.23% 0.23% Quality Credit Metrics 0.47% 0.45% 0.39% 0.46% 0.37% $4,187 $3,737 $3,713 $3,985 $4,176 4Q'13 1Q'14 2Q'14 3Q'14 4Q'14 Net Charge-offs NCOs/Avg Loans Net Charge-Offs $000’s $30,706 $30,153 $27,175 $32,662 $27,382 4Q'13 1Q'14 2Q'14 3Q'14 4Q'14 Nonperforming Loans NPLs/Loa
Slide 12: Balance Sheet – Strong Capital Position
5 yr CAGR 10.0% Balance Sheet – Strong Capital Position 12.45 12.20 11.92 14.43 14.04 11.30 11.20 11.05 13.61 13.29 6.56 6.71 6.81 8.41 8.72 Total Risk-Based Capital Tier 1 Capital Tier 1 Leverage Tier 1 Capital Ratio vs. Industry 4Q 2014 Average Equity ($ billions) Capital Ratio Trends Industry Med
Slide 13: Noninterest Income Highlights – 4Q 2014
59.9% Noninterest Income Highlights – 4Q 2014 5 Year CAGR 15.0% 18.6% 15.0% 4.2% 3.1% 2.3% 0.7% 0.1% Bankcard Fees Trust & Securities Processing Composition : Trading & Investment Banking Other Deposit Service Charges Trust & Securities Processing Brokerage Fees Gains on Sale of Securities ($ millio
Slide 14: Noninterest Income Highlights – Full-Year 2014
57.8% Noninterest Income Highlights – Full-Year 2014 5 Year CAGR 19.0% 17.1% 13.5% 3.9% 3.4% 2.2% 0.8% 0.8% 0.6% Bankcard Fees Trust & Securities Processing Composition : Equity Earnings/Alternatives Trading & Investment Banking Other Deposit Service Charges Trust & Securities Processing Brokerage F
Slide 15: Noninterest Expense
Non-Int Expense 5yr CAGR 7.7% Noninterest Expense Salary 5yr CAGR 8.3% Non-Int Income 5yr CAGR 10.0% 0% 20% 40% 60% 80% 100% $100 $200 $300 $400 $500 $600 $700 Salary/Benefit Expense Noninterest Income Total Noninterest Expense Coverage Ratio* 4th Quarter noninterest expense decreased 2.2%, or $3.7
Slide 16: Business Segment Updates
Business Segment Updates
Slide 17: Bank
33.1% 35.6% 40.5% 39.5% 40.9% Bank 5 yr CAGR 9.7% 5 yr CAGR 10.8% $ 8.5 $ 9.6 $ 10.5 $ 11.9 $12.7 Interest Bearing Non-Interest Bearing $4.5 $4.8 $5.3 $6.2 $7.0 Average Net Loans $ in billions Average Deposits $ in billions Net loans grew for the 19 consecutive quarter, increasing by 14.6% year-over
Slide 18: Bank - Lending
Bank - Lending 45.2% 55.0% 28.3% 25.0% Diverse Loan Book (Actual Loan Balances at December 31) *includes C&I, real estate construction and leases 10.4% $5.0B $6.5B 8.6% 8.9% $5.7B $7.5B 5.7% 4.2% 4.3% 3.0% $4.6B 1.4% Commercial & Industrial* Commercial Real Estate Home Equity Credit Card Consumer Re
Slide 19: Bank - Deposits
Bank - Deposits 29.9% 33.3% 40.3% 24.9% Diverse Sources of Deposits (Average Deposits for 12 Months Ended December 31) 8.1% 9.8% 4.6% 6.8% 7.0% 6.8% 2.4% 6.2% 4.2% 2.8% 7.5% 4.5% $8.5B $9.6B $10.5B $11.9B $12.7B 0.7% 0.2% Commercial/Treasury Mgmt Consumer Banking Asset Servicing Private Wealth Mgmt
Slide 20: Bank – Commercial Banking
47.8% 45.9% 44.1% 42.6% 42.1% Bank – Commercial Banking 5 yr CAGR 11.1% $3.49 $3.75 $4.19 $5.09 $5.74 Commercial Loans By Region Average C&I and CRE Loan Balances for Twelve Months Ended December 31 0% 50% 100% KC CO STL Greater MO KS OK AZ NE TX High Growth Regions 2014 vs. 2013 • Texas +493.9% • A
Slide 21: Bank – Private Wealth Mgmt. & Consumer Banking
Bank – Private Wealth Mgmt. & Consumer Banking $479 $559 $608 $663 $755 47.7% 48.8% 48.5% 46.1% 46.0% $5,490 $5,366 $6,390 $7,044 $7,610 $436 $533 $574 $566 $644 Balances Unused Commitments Utilization $7.4B $7.6B $8.8B $10.2B $11.6B $0.91B $1.09B $1.18B $1.23B $1.40B Home Equity Lines of Credit $ i
Slide 22: Institutional Investment Management
Institutional Investment Management $31.2 $32.2 $32.4 $30.6 $31.2 4Q'13 1Q'14 2Q'14 3Q'14 4Q'14 Total Scout Assets Under Management $ in billions Reams was selected by Russell Investments to replace PIMCO in a $2.7B sub-advised mandate covering our Low Duration and Core Plus products Assets under ma
Slide 23: 4Q14 ($2,314.6) ($166.3) $55.6 3014 ($645.6) (S1,366.6) ($18.6) $263.8 2014 ($1,287.0) $455.4 $153.4 1014
4Q14 ($2,314.6) ($166.3) $55.6 3014 ($645.6) (S1,366.6) ($18.6) $263.8 2014 ($1,287.0) $455.4 $153.4 1014 ($331.0) $47.7 $248.8 4Q13 $829.9 ($120.3) $86.8 $2,700 -$1,700 -$700 $300 $1,300 $2,300 $3,300 ‘mEquity Flows Equity Market Impact = Fixed Income Flows. Fixed Income Market Impact.
Slide 24: Institutional Investment Management
Institutional Investment Management Total AUM $31.2B $19.9B $19.7B $23.5B $31.2B
Slide 25: AUM by Strategy – As of December 31, 2014
32.4% 30.8% AUM by Strategy – As of December 31, 2014 67% 33% 56.1% 37.2% 18.2% 10.0% 4.2% 4.4% Equity Strategies International Mid Cap International ADR Emerging Markets Global Small Cap Other: Fixed Income Strategies Core Plus Low Duration Long Duration Core Intermediate Unconstrained Unconstraine
Slide 26: Payment Solutions
$14.6 $14.2 $15.7 $15.9 Payment Solutions $1.08 $1.31 $1.36 $1.29 $1.26 $1.58 $1.48 $1.37 $1.38 $1.79 $1.72 $1.64 $1.63 $2.10 $2.18 $2.11 $2.08 $18.0 Purchase Volume ($ billions) Interchange ($ millions) Total Card Purchase Volume & Interchange Revenue Durbin effective Credit and debit card purchase
Slide 27: Payment Solutions
0.41% 0.40% 0.42% 0.32% 0.28% Payment Solutions 8.9% 16.9% 23.4% 22.7% 32.5% 37.7% 41.0% $252.3 $512.2 $461.2 $393.8 $350.0 $682.2 $536.4 $448.0 $421.4 $881.3 $748.6 $680.2 $649.1 $1,150.0 $1,152.1 $1,082.9 $1,052.3 0.20% 0.25% 0.30% 0.35% 0.40% 0.45% Virtual Card Volume Other Healthcare Volume Effe
Slide 28: Payment Solutions
$84.2 $125.1 $169.8 $255.2 $298.5 $399.6 $595.0 $841.7 Payment Solutions $16.7 $15.4 $20.9 $24.7 $24.9 $30.9 $47.4 $75.8 HSA $ Deposits (in millions) HSA $ Assets (in millions) Healthcare Deposits and Assets $millions $36.6M $65.8M $100.8M $140.5M $190.7M $279.9M $323.3M $430.5M $642.4M $917.5M Heal
Slide 29: Asset Servicing
Asset Servicing Assets Under Administration $billions Assets in the IMST increased 99% year- over-year and now stand at $11.8 billion. The number of funds serviced grew by 143 in the past 12 months, an increase of nearly 14% UMB Fund Services was named “Best Administrator – Liquid Alternatives” at H
Slide 30: Asset Servicing
Asset Servicing 116 160 179 219 249 406 467 532 514 579 470 499 443 411 454 227 256 270 301 349 Fund Accounting & Administration Alternative Asset Servicing Custody Transfer Agency $30.5 $35.9 $44.1 $63.0 $72.1 Assets Under Administration # of Funds Serviced $21.3 $24.7 $26.3 $27.9 $31.5 Assets Unde
Slide 31: Strengths We are Leveraging
Strengths We are Leveraging Diversified revenue Growing fee businesses Leadership Success building a smartly diversified financial services company Building scale through strategic acquisitions Professional management teams leading highly engaged workforce across the footprint
Slide 32: Building a company for the next years
Building a company for the next 100 years. Fourth Quarter & Year-End 2014 UMB Financial