UMB FINANCIAL CORPORATION 4th Quarter 2022
Update
Kansas City, MO | January 24, 2023 |
Presentation Index
Corporate Overview | 3 |
Opportunity - Our Investment Thesis | 8 |
4th Quarter 2022 Results | 16 |
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 | $4.0 B | |||
Total Assets | $38.5 B | |||
Gross Loans | (1) | $21.0 B | ||
Total Deposits | $32.6 B | |||
Private Wealth Customer Assets | (2) | $15.1 B | ||
Institutional Assets Under Administration (AUA) | (3) | $395.0 B | ||
Common Equity Tier 1 Capital Ratio | 10.62% | |||
Total Risk Based Capital Ratio | 12.50% | |||
Net Charge-Offs / Avg Loans | 0.04% | |||
NPLs / Total Loans | 0.09% | |||
ACL / Total Loans | 0.91% | |||
Fee Income / Revenue | 33.9% |
UMB Financial Corporation Headquarters
UMB Bank Presence | Expansion Markets | |||
• | 89 banking centers | • | Twin Cities - MN | |
• | 232 ATMs | • | Salt Lake City - UT |
National Presence
• | Asset-based lending | • | Specialized Lending Verticals |
• | Healthcare Services | • | Corporate Trust |
• | Private Wealth Management | • | Capital Markets (4) |
& Personal Trust | • | Fund Services | |
International Presence
- UMBF Trust & Agency Services - Dublin, Ireland
At, or for the 3 months ended, 12/31/22. (1) Includes $13.3mm in PPP balances; (2) Includes $11.1B in managed assets and $4.0 B 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. | |
Business Model
Our Diverse Foundation
Commercial & Personal Banking Services
4Q'22 Revenue: $235.6 million. 4Q'22 Average Deposits: $20.6 billion
Commercial
Average loans: $17.0B (1)
Average deposits: $14.4B
▪ | C&I lending | ▪ | Treasury management |
▪ | Small business lending | ▪ | Merchant payments |
- CRE & Construction lending
- Specialized Expertise:
- | Agribusiness | - | Aviation |
- | Energy | - | Asset-based lending |
- | Practice finance | - | Beverage |
- Mezzanine debt & equity investments
Consumer
Average loans: $2.8B (1) (2)
Average deposits: $6.2B
- Retail deposit & lending services through 89 branches and online
- Private banking services
- Consumer mortgage
Private Wealth
AUM = $11.1B
AUA = $4.0B
- Financial planning
- Investment management
- Trust & custody
- Estate planning
- Family office
- Business exit planning
Institutional Banking Services
4Q'22 Revenue: $135.1 million. 4Q'22 Average Deposits: $10.8 billion
Institutional Banking provides solutions for the entire marketplace; $395.0 billion in AUA. (3)
Corporate Trust
- Bond trustee, paying agent & escrow services
Institutional Custody
- Domestic & international custody services
Fund Services
- Fund accounting, fund administration & transfer agency
Specialty Trust & Agency Solutions
- Default workout & successor trustee services
-
Aviation, ABS & loan agency services
Capital Markets Division (4) - Fixed income sales & trading
- Public finance
Investor Solutions
- Banking, cash management & specialty services for financial firms
Healthcare Services
- Health savings & benefit spending accounts
- Healthcare payment solutions
Balances at, or for quarter ended, 12/31/22. (1) Loan balances exclude credit card and PPP loans; (2) Includes consumer loans plus residential real estate loans to retail and private banking clients;
(3) Includes AUA in Fund Services/custody, corporate trust and Healthcare Services; (4) Products and services offered through UMB Bank Capital Markets Division:
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED. | 4 |
Beyond Financials
Our Culture
Our Vision
the unparalleled customer experience
Our Commitment
An unwavering commitment to doing more for our customers.
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.
5
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UMB Financial Corporation published this content on 24 January 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 24 January 2023 21:25:27 UTC.
