Bok Financial Corporation · NASDAQ:BOKF
Bok Financial — Investor Presentation (May 2026)
24 slides from Bok Financial's investor presentation, May 2026
Slide 1: Investor Presentation
Investor Presentation May 2026
Slide 2: Legal Disclaimers
Legal Disclaimers This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the financial servi
Slide 3: Corporate Snapshot
NASDAQ: BOKF BOK Financial Corporation CONSUMER, COMMERCIAL & BROKER/DEALER & Corporate Snapshot MORTGAGE BANKING INDEPENDENT ADVISORY SERVICES • Top 30 national/regional bank* BOK Financial ® BOK Financial Securities • Midwest/Southwest franchise Bank of Texas BOK Financial Advisors • 115 full-serv
Slide 4: Core Strategy
Core Strategy Long-term EPS Growth vs. KRX Median* Build a bank with diverse 12 revenues that can compete upstream and 10 outperform peers across BOKF CAGR = 8.0% 8 varying economic cycles. 6 KRX CAGR = 4.6% "There is no principle more 4 emphasized in our organization 2 than managing for long-term v
Slide 5: Diversified Loan Portfolio
Diversified Loan Portfolio Disciplined concentration management, diversified by sector & geography Loan Segmentation Collateral Location as of 3/31/2026 as of 3/31/2026 18% 22% 34% Commercial real estate 27% Texas 1% Healthcare Oklahoma Loans to individuals Colorado Services Arizona 11% Energy 3% Ka
Slide 6: Diversified Loan Portfolio
Diversified Loan Portfolio Portfolio Composition Energy Banking as of 3/31/2026 • More than 100-year history in energy lending 5% • Focus on first-lien, senior-secured E&P lending, the "sweet spot" in energy lending 15% • Seasoned internal petroleum engineering staff to confirm collateral values - a
Slide 7: Strong Core Deposit Franchise
Strong Core Deposit Franchise Deposit Mix & Cost ($Million) Deposit Mix by Geography Deposit Mix by Line of Business Demand Total Deposit Breakdown Interest-bearing transaction Savings 3% Time 19% 28% $45,000 9% 4% $40,000 9% 10% 9% $35,000 9% 2% 2% 2% 5% 6% 51% 1% $30,000 2% $25,000 $20,000 62% 67%
Slide 8: Peer-leading Fee Income and Steady Profitability
Peer-leading Fee Income and Steady Profitability Q1 2026 Fee Income % vs. KRX Index Summary BOKF 35%-40% of total revenues come from a diverse set of well- established fee income businesses, a differentiator compared to other midsized regional banks Markets & Securities • Consistently among the top
Slide 9: Wealth Management
Wealth Management Wealth Management Revenue ($Million) CAGR: 6.8% $700.0 $604.7 Primary Lines of Business $600.0 • Private Wealth / Asset Management - Banking and investment management, $500.0 trust and estate administration, and Cavanal Hill family of funds $400.0 • Institutional Wealth - Retiremen
Slide 10: Wealth Management
Wealth Management Wealth Revenue by Line of Business For the three months ended March 31, 2026 Cavanal Hill, 2% BOK Private Financial Wealth, Securities, 41% 36% Awards, Recognition, and Rankings • Retirement Plan Services recognized as a top five provider and recipient of six Institutional "Best in
Slide 11: Transaction Processing
Transaction Processing Transaction Processing Volume as of 12/31/2025 EFT TRANSACTION VOLUMES Debit Processing & ATM Network (Million) • Operates nationally • More than 75% of clients are outside of Oklahoma • Clients: Banks, Credit Unions and C-store chains • 830+ million EFT transactions processed
Slide 12: Q1 Financial Highlights
Q1 Financial Highlights Net Income • Net income was $155.8 million, or $2.58 per diluted share, compared Attributable to shareholders to $177.3 million, or $2.89 per diluted share in the prior quarter. Per share (diluted) $177.3 Excluding the gain recognized on the sale of a merchant banking $155.8
Slide 13: Additional Details
Additional Details Quarterly Quarterly ◦ Period end loan balances increased $536 ($Billion) Q1 2026 Sequential YOY million, led by strong growth in our Arizona, Texas, and Oklahoma markets with broad- Period End Loans $26.2 2.1% 10.5% based growth in our Commercial and Commercial Real Estate portfol
Slide 14: Loan Portfolio
Loan Portfolio Seq. Loan YOY Loan • Total Commercial loans grew $292 ($Million) Mar. 31, 2026 Dec. 31, 2025 Mar. 31, 2025 Growth Growth million or 1.9% sequentially Energy $ 3,005.7 $ 2,882.2 $ 2,860.3 4.3% 5.1% • Combined Services & General Services 3,901.9 3,911.9 3,704.8 (0.3)% 5.3% Business (Cor
Slide 15: Credit Quality Metrics
Credit Quality Metrics Net Charge-Offs to Average Loans • Credit quality continues to be strong with nonperforming Annualized assets, excluding loans guaranteed by U.S. government agencies, totaling $52 million or 0.20% of outstanding loans 0.20% and repossessed assets • Trailing 12 months net charg
Slide 16: Credit Resilience
Credit Resilience Disciplined Credit Concentration 100 year history in energy lending and a tested playbook • 72% oil / 28% gas-weighted borrowers • CRE limit on total committed balances is 185% of tier • Robust stress testing process with 18 petroleum one capital plus reserves engineers and analyst
Slide 17: Yields, Rate & Margin
Yields, Rate & Margin Quarterly Quarterly ($Million) Q1 2026 Q4 2025 Q1 2025 Net Interest Income Sequential YOY • Net interest income declined $2.7 million linked Net Interest Income $342.6 $345.3 $316.3 (0.8)% 8.3% quarter, driven by seasonal declines in DDA balances, shorter day count in the first
Slide 18: Fee Income - Markets & Securities
Fee Income - Markets & Securities Trading Fees ($Million) Q1 2026 Qtr. Seq. Qtr. Seq. Qtr. YOY $ Change % Change % Change • Trading fee income decreased $1.6 Trading Fees $ 19.3 $ (1.6) (7.8)% 138.2% A million reflecting continued mix shift Mortgage Servicing 17.0 — (0.1)% (0.9)% in total trading re
Slide 19: Fee Income - Asset Management & Transactions
Fee Income - Asset Management & Transactions • Fiduciary and asset management Qtr. Seq. Qtr. Seq. Qtr. YOY ($Million) Q1 2026 revenue decreased $1.9 million, $ Change % Change % Change primarily from higher transaction- Markets & Securities $ 64.6 $ (1.8) (2.6)% 26.9% 1 related fees recognized in th
Slide 20: Expenses
Expenses Quarterly Quarterly ($Million) Q1 2026 Q4 2025 Q1 2025 • Personnel expenses were down $11.6 Sequential YOY million, primarily driven by lower incentive compensation costs Total Personnel Expense $211.2 $222.7 $214.2 (5.2)% (1.4)% • Cash-based incentive compensation Memo: Deferred compensati
Slide 21: 2026 Full Year Outlook
2026 Full Year Outlook Business Driver 2025 Actuals FY '26 As of 04/21/26* Notes Continuing our recent broad-based loan growth trends in our EOP Loans $25.7 billion 10% area existing portfolio, and expansion of Mortgage Finance. EOP Inv Securities $15.4 billion Flat Assumes no rate cuts in 2026, con
Slide 22: 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 76% of the total loan portfolio is variable rate or is 3.0 years, extending to only 3.6 years if rates increase 200 fixed rate that r
Slide 23: Liquidity & Capital
Liquidity & Capital Q1 2026 Q4 2025 Q1 2025 Liquidity Loan to Deposit Ratio 67.7% 65.0% 61.9% • Period end deposit balances decreased $758 million this quarter Period-End Deposits $38.7 billion $39.4 billion $38.3 billion Available Secured Capacity $21.0 billion $23.4 billion $21.9 billion • Uninsur
Slide 24: BOK Financial Corporation
BOK FINANCIAL CORPORATION