4th Quarter 2021

Update

UMB Financial Corporation

January 25, 2022

Kansas City, MO

Presentation Index

Corporate Overview

3

Opportunity - Our Investment Thesis

8

4th Quarter 2021 Results

17

Line of Business Updates

30

Appendix

40

Board of Directors

Forward-Looking Statements

Non-GAAP Reconciliations

Peer Group

Please refer to the Forward-Looking Statements on slide 42 for important disclosures about information contained in this presentation.

2

Corporate Overview

Highlights

Founded

1913

Ticker

UMBF - Nasdaq

Market Cap

$5.1 B

Total Assets

$42.7 B

Gross Loans (1)

$17.2 B

Total Deposits

$35.6 B

Private Wealth Customer Assets (2)

$17.1 B

Institutional Assets Under Administration (AUA) (3)

$453.2 B

Common Equity Tier 1 Capital Ratio

12.05%

Total Risk Based Capital Ratio

13.88%

Net Charge-Offs / Avg Loans

0.19%

NPLs / Total Loans

0.54%

ACL / Total Loans

1.13%

ACL / Total Loans ex. PPP

1.14%

Fee Income / Revenue

36.1%

UMB Financial Corporation Headquarters

UMB Bank Presence

Expansion Markets

•

91 banking centers

•

Twin Cities - MN

•

230 ATMs

•

Salt Lake City - UT

National Presence

•

Asset-based lending

•

Corporate Trust

•

Healthcare Services

•

Capital Markets (4)

•

Private Wealth Management

•

Fund Services

& Personal Trust

International Presence

  • UMBF Trust & Agency Services - Dublin, Ireland

At, or for the 3 months ended, 12/31/21. (1) Includes $136mm in PPP balances; (2) Includes $12.2B in managed assets and $4.9B in Assets Under Administration for Private Wealth customers;

3

(3) Includes assets in Fund Services, Corporate Trust and Healthcare Services; (4) UMB Bank, n.a. Capital Markets Division.

Beyond Financials -

Our Culture

Our Vision

the

unparalleled customer experience

Our Goal

A company built to

withstand the test of time.

Our Values

Customers First

We do the unparalleled to create an environment that consistently exceeds the expectations of our customers.

Integrity & Trust

We demonstrate our uncompromising honesty and integrity to earn the trust of everyone we serve.

Performance & Strength

We achieve sustainable greatness by delivering on our promise, remaining independent and maintaining financial soundness.

Associate Spirit

We rely upon our people and their collective attitude and skills to differentiate us from our competitors.

Inclusion & Diversity

We believe an inclusive and diverse culture energizes the workplace and ignites innovation.

4

Beyond Financials -

Our Culture

Creating an unparalleled customer experience requires a culture where our people feel part of something more, something bigger. We foster this experience through our policies, our business decisions and our expectations of each associate.

MORE

HEART

Whether it's having a heart for each other, our customers or our communities, we support work through inclusive policies and empowering people to create fulfilling lives in and out of the workplace.

MORE

TRUST

Our associates have confidence they will be encouraged and expected to do the right thing at all times - no matter what. We're focused on setting clear expectations and a leadership team who is accessible and transparent.

MORE OPPORTUNITY

Our goal is to grow existing strengths and build new skills. We're committed to empowering our workforce to make an impact and achieve their goals through open conversations and providing the tools to develop potential.

the

unparalleled customer experience

5

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Disclaimer

UMB Financial Corporation published this content on 25 January 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 25 January 2022 21:29:08 UTC.