Umb Financial Corporation · NASDAQ:UMBF
Umb Financial — Shareholder Meeting (April 2018)
32 slides from Umb Financial's shareholder meeting presentation, Apr 24, 2018
Slide 1: Different by Design – Annual Meeting of Shareholders
Different by Design. UMB Financial Corporation Annual Meeting of Shareholders April 24, 2018 Exhibit 99.2
Slide 2: Cautionary Notice about Forward-Looking Statements
Cautionary Notice about Forward-Looking Statements This presentation of UMB Financial Corporation (the “company,” “our,” “us,” or “we”) contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These sta
Slide 3: Agenda
Agenda Different by Design 2017 Results & Highlights Questions & Answers First Quarter 2018 Focus
Slide 4: Different by Design
Different by Design
Slide 5: Different by Design
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Slide 6: Different by Design - Risk-adjusted Returns - Diversity - Consistency
Different by Design - Risk-adjusted Returns - Diversity - Consistency
Slide 7: Agenda
Agenda Different by Design 2017 Results & Highlights Questions & Answers First Quarter 2018 Focus
Slide 8: 2017 Results At-A-Glance
2017 Results At-A-Glance Diluted Earnings Per Share 4Q 3Q 2Q 1Q $3.12 $3.67 2016 $153.6 million 2017 $183.0 million +19.1% Primary drivers: Increased net interest income: +$63.6 million, due to Optimizing our balance sheet by remixing earning assets Strong loan growth; and Impact of 3 Fed rate incre
Slide 9: 2017 Results – Balance Sheet Metrics
2017 Results – Balance Sheet Metrics Industry median loans increased by 6.0%. Industry median deposits increased by 3.8%. All comparisons are full-year 2017 vs. full-year 2016. Industry loan and deposit growth medians source: S&P Global. $10.5 billion $11.3 billion $16.6 billion $18.0 billion Total
Slide 10: Consistent Underwriting Standards
Consistent Underwriting Standards History of Net Charge-Offs (1) Commercial Loans includes commercial & industrial, commercial credit card, asset-based and factoring loans. (2) Other includes all real-estate related loans (commercial, residential and HELOC) plus consumer loans and DDA charge-offs. (
Slide 11: Strong Credit Trends
Strong Credit Trends Net Charge-Offs as % of average loans 2000 – 2017 (1) Comprised of the median for the top 50 U.S. Banks by asset size as of December 31st of each corresponding year. Source: S&P Global. (1)
Slide 12: 2017 Personal Banking Highlights
2017 Personal Banking Highlights millions Private Banking Average Loans $5.2 billion 29% of total deposits Deposits $14.8 billion +9.1% Assets Under Management Stable Funding Source All amounts are averages for each year shown. Comparisons are 2017 vs, 2016. +14.1%
Slide 13: 2017 Commercial Banking Highlights
2017 Commercial Banking Highlights Asset-Based Lending +18.9% +76.0% Factoring +16.4% Commercial Real Estate Lending Agricultural Lending #20 in US National lending platforms = 13.7% of 2017 loan growth All comparisons are average loan balances for the full-year 2017 vs. full-year 2016. Agriculture
Slide 14: 2017 Institutional Banking Highlights
2017 Institutional Banking Highlights FDIC Sweep 2016 $9.6 million Municipal Trading Corporate Trust Assets under Administration Assets All comparisons are full-year 2017 vs. full-year 2016 and amounts are as of December 31st of each corresponding year. 2016 $51.9 billion 2017 $52.3 billion 2016 $12
Slide 15: 2017 Fund Services Highlights
$185.6 $188.7 $206.3 2015 2016 2017 2017 Fund Services Highlights $206.3 billion +9.3% Billions Assets under Administration 8 Years Running Named as a top workplace by the Milwaukee Journal Sentinel Outstanding Commitment For Client Service All comparisons are full-year 2017 vs. full-year 2016.
Slide 16: 2017 Healthcare Services Highlights
2017 Healthcare Services Highlights Industry Growth Rates – Deposits and Assets Industry data: Devenir Research 2017 Year-End HSA Market Statistics & Trends report. Rankings as of 12/31/17. Deposit and asset growth rates on an annual basis as of 12/31 of each year. HSA Deposits and Assets $2.4 billi
Slide 17: Improving Metrics
Improving Metrics 71.7% Return on average equity Return on average assets 8.79% 0.90% 2017 Efficiency ratio 7.74% 0.78% 72.2% 2016 All comparisons are full-year 2017 vs. full-year 2016. Beginning in Q1 2018, the Company revised the denominator of their Efficiency Ratio and Operating Efficiency Ratio
Slide 18: Agenda
Agenda Different by Design 2017 Results & Highlights Questions & Answers First Quarter 2018 Focus
Slide 19: First Quarter 2018 Results At-A-Glance
First Quarter 2018 Results At-A-Glance Return on average equity Return on average assets Efficiency ratio Profitability Metrics 10.80% 1.12% 1Q’18 8.72% 0.91% 4Q’17 8.58% 0.84% 1Q’17 68.8% 71.7% 72.6% Prior results have been adjusted for the disposition of Scout Investments, Inc. and Scout Distribut
Slide 20: Agenda
Agenda Different by Design 2017 Results & Highlights Questions & Answers First Quarter 2018 Focus
Slide 21: Focus On… Our People, Customers, Communities, Shareholders
Focus On… - Our People - Our Customers - Our Communities - Our Shareholders
Slide 22: Focus On Our People
Focus On Our People 21.3 years 16.3 years 9.7 years Continuity – We’re in it for the long run Average Associate Tenure 3,570 Associates
Slide 23: Focus On Our Customers
Focus On Our Customers Industry 2016 Industry 2017 UMB 2016 UMB 2017 American Customer Satisfaction Index “Score” Source: Market Strategies International 100-Point Scale
Slide 24: Focus On Our Communities
Focus On Our Communities Volunteer Time Off (VTO) 1,293 Associates Used VTO Eligible associates receive 16 hours each year to spend volunteering with a qualifying 501(c)(3) of their choice. Community Involvement 23,995 Community Involvement Hours 10,574 Total VTO Hours 1,322 VTO Workdays $579,239 Va
Slide 25: Focus On Our Communities
Focus On Our Communities The Pack Shack Humanity vs. Hunger American Royal School Tours Rose Brooks Center for Domestic Violence Volunteers for Outdoor Colorado
Slide 26: Focus On Our Communities
Focus On Our Communities City Union Mission Heartland Tree Alliance American Royal Neighborhood Schools Program ReStart KC
Slide 27: Focus On Our Shareholders
Focus On Our Shareholders Dividend increase = 82.5% Industry Median -2.3% decrease Industry is defined as all publicly traded banks with dividend declarations reported in 2007 and 2017. Source: S&P Global
Slide 28: Total Shareholder Return
Total Shareholder Return December 31, 2007 – December 31, 2017 Reinvesting all cash dividends +123%
Slide 29: Total Shareholder Return
Total Shareholder Return December 31, 2007 – December 31, 2017 Reinvesting all cash dividends +126% +123%
Slide 30: Total Shareholder Return
Total Shareholder Return December 31, 2007 – December 31, 2017 Reinvesting all cash dividends +15% +126% +123%
Slide 31: Agenda
Agenda Different by Design 2017 Results & Highlights Questions & Answers First Quarter 2018 Focus
Slide 32: Questions & Answers
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