UMB Financial Corporation (UMBF) Q2 2025 Earnings Call

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WEBVTT 00:00:00.000 -- 00:00:03.960 with Investor Relations. Kay, please proceed. 00:00:03.960 -- 00:00:07.560 Good morning and welcome to our second quarter 2025 call. 00:00:07.560 -- 00:00:12.060 Mariner Kemper, Chairman and CEO, and Ram Chauher, CFO, will share a few comments about 00:00:12.060 -- 00:00:17.200 our results and we will open the call for questions from our equity research analysts. 00:00:17.200 -- 00:00:21.920 Jim Rine, President of the Holding Company and CEO of UMB Bank, along with Tom Terry, 00:00:21.920 -- 00:00:26.800 Chief Credit Officer, will be available for the question and answer session. 00:00:26.800 -- 00:00:31.240 Before we begin, let me remind you that today's presentation contains forward-looking 00:00:31.240 -- 00:00:32.440 statements, 00:00:32.440 -- 00:00:32.980 including the 00:00:32.980 -- 00:00:37.720 discussion of future financial and operating results, benefits, synergies, gains, and 00:00:37.720 -- 00:00:43.300 costs that the company expects to realize from the acquisition, as well as other opportunities 00:00:43.300 -- 00:00:45.580 management foresees. 00:00:45.580 -- 00:00:49.760 Forward-looking statements and any pro forma metrics are subject to assumptions, risks, 00:00:49.760 -- 00:00:54.720 and uncertainties as outlined in our SEC filings and summarized in our presentation on 00:00:54.720 -- 00:00:56.440 slide 50. 00:00:56.440 -- 00:01:00.820 Actual results may differ from those set forth in forward-looking statements, which speak 00:01:00.820 -- 00:01:06.060 only as of today. We undertake no obligation to update them, except to the extent required 00:01:06.060 -- 00:01:08.160 by securities laws. 00:01:08.160 -- 00:01:12.620 Presentation materials are available online at .umb.com 00:01:13.180 -- 00:01:17.380 and include ...