Bok Financial Corporation · NASDAQ:BOKF
Bok Financial — Investor Presentation (November 2025)
25 slides from Bok Financial's investor presentation, Nov 17, 2025
Slide 1: November 2025 Investor Presentation
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic November 2025 Investor Presentation
Slide 2: Legal Disclaimers
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Legal Disclaimers 2 This presentation contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the finan
Slide 3: Corporate Snapshot
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic NASDAQ: BOKF BROKER/DEALER & INDEPENDENT ADVISORY SERVICES CONSUMER, COMMERCIAL & MORTGAGE BANKING BOK Financial Corporation BOK Financial Asset Management BOK Private Wealth Cavanal Hill BOK Financial ® Bank of Texas
Slide 4: Core Strategy
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Core Strategy Build a bank with diverse revenues that can compete upstream and outperform peers across varying economic cycles. *Chart data based on Bloomberg EPS data for BOKF and KRX index members as of 2024. Chart
Slide 5: Diversified Loan Portfolio
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 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 Healthcare Loans to indiv
Slide 6: Diversified Loan Portfolio: Portfolio Composition
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Diversified Loan Portfolio Portfolio Composition as of 9/30/2025 77% 14% 8% Oil & Gas Producers Oil & Gas Midstream Services 10% 9% 81% Hospital Medical Services Senior Housing 43% 24% 14% 10% 2% 7% Multifamily Indust
Slide 7: Strong Core Deposit Franchise
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Dec '22 Dec '23 Dec '24 Sep '25 $— $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 Strong Core Deposit Franchise Deposit Mix & Cost ($Millions) Deposit Mix by Geography 4% 52% 9% 5% 6% 24% Deman
Slide 8: Peer-leading Fee Income and Steady Profitability
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 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
Slide 9: Wealth Management
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Wealth Management Primary Lines of Business • Private Wealth / Asset Management - Banking and investment management, trust and estate administration, and Cavanal Hill family of funds • Institutional Wealth - Retiremen
Slide 10: Wealth Management Awards, Recognition, and Rankings
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Wealth Management 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
Slide 11: Mortgage Finance
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Mortgage Finance Successful launch of business in the 3rd quarter • First loans have been funded • Outstandings to ramp up in Q4 • Approximately 90% of current Mortgage Finance clients and prospects have existing rela
Slide 12: Transaction Processing
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Transaction Processing CAGR: 4.5% CAGR: 4.7% 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 EF
Slide 13: Q3 Financial Highlights
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Q3 Financial Highlights * Non-GAAP measure Attributable to shareholders Per share (diluted) Net Income • Net Income was $140.9 million, or $2.22 per diluted share • Net interest margin expanded 11 basis points to 2.91
Slide 14: Additional Details
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Additional Details 14 ◦ Period end loan balances increased $573 million, spread broadly across the portfolio with growth in our core C&I portfolio, commercial real estate and loans to individuals. Average loan balance
Slide 15: Credit Resilience
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Resilience Disciplined Credit Concentration • CRE limit on total committed balances is 185% of tier one capital plus reserves • Office CRE outstandings only comprise 3% of total loans 15 100 year history in ene
Slide 16: Loan Portfolio
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Loan Portfolio • Combined Services & General Business (Core C&I) balances increased $112 million or 1.4% linked quarter • Energy balances decreased $53 million as we continued to see elevated payoff activity in this p
Slide 17: Credit Quality Metrics
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 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 •
Slide 18: Yields, Rate & Margin
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 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
Slide 19: Fee Income - Markets & Securities
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 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 r
Slide 20: Fee Income - Asset Management & Transactions
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Asset Management & Transactions • Fiduciary and Asset Management revenue was relatively stable compared to the prior quarter. Q2 results were elevated due to seasonal tax preparation fees. Fiduciary and A
Slide 21: Expenses
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 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 compensat
Slide 22: 2025 Full Year Outlook
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 2025 Full Year Outlook 22 *Refer to Slide #2 regarding forward looking statements, expectations above assume no change to economic environment. **Non-GAAP measure. Refer to Form 10-K furnished on February 19, 2025. Bu
Slide 23: Securities and Interest Rate Risk Position
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Securities and Interest Rate Risk Position Interest Rate Risk • Approximately 75% of the total loan portfolio is variable rate or fixed rate that reprice within a year • Approximately 84% of Commercial and Commercial
Slide 24: Liquidity & Capital
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Liquidity & Capital * Non-GAAP measure ** Uninsured and non-collateralized deposits excludes intra-bank deposits Liquidity • Period end deposit balances increased $254 million this quarter • Uninsured and non-collater
Slide 25: ar y br an
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic
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