UMB Financial 8K Results of Operations and Financial Condition | UMBF 22 Oct 13

Third Quarter 2013

UMB Financial

Exhibit 99.2

Cautionary Notice about Forward-Looking Statements

This presentation contains, and our other communications may contain, forward-looking statements

within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be

identified by the fact that they do not relate strictly to historical or current facts. All forward-looking

statements

are

subject

assumptions,

risks,

and

uncertainties,

which

may

change

over

time

and

many

which

are

beyond

our

control.

You

should

not

rely

any

forward-looking

statement

prediction or guarantee about the future. Our actual future objectives, strategies, plans, prospects,

performance, condition, or results may differ materially from those set forth in any forward-looking

statement. Some of the factors that may cause actual results or other future events, circumstances, or

aspirations to differ from those in forward-looking statements are described in our Annual Report on

Form

10-K

for

the

year

ended

December

31,

2012,

our

subsequent

Quarterly

Reports

Form

10-Q

or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the

Securities and Exchange Commission (SEC). Any forward-looking statement made by us or on our

behalf speaks only as of the date that it was made. We do not undertake to update any forward-

looking statement to reflect the impact of events, circumstances, or results that arise after the date that

the statement was made. You, however, should consult further disclosures (including disclosures of a

forward-looking nature) that we may make in any subsequent Quarterly Report on Form 10-Q, Current

Report on Form 8-K, or other applicable document that is filed or furnished with the SEC.

Business Segment Metrics

Institutional Investment Management

* Industry data source: Strategic Insight

AUM increased 29.6% year-

over-year to $29.3 billion

Record net inflows of $1.9

billion for Q3’13; year-to-date

flows of $4.4 billion

Q3’13 industry stats: Equity

funds realized $113.2B in net

inflows; Taxable bond funds

realized $14.7B in net outflows

Quarter 2013 Highlights

$22.6

$23.5

$25.7

$26.3

$29.3

3Q'12

4Q'12

1Q'13

2Q'13

3Q'13

Total Scout Assets Under Management

($ billions)

Institutional Investment Management Operating Results

(unaudited,

$000s)

3 mos Ended

June 30,

Year-Over-Year

Linked-Quarter

2013

2012

2013

Net Interest income

(11)

(1)

(10)

1000.0%

10.0%

Noninterest income

33,836

24,789

29,160

36.5%

16.0%

Noninterest expense

21,097

17,316

18,932

21.8%

11.4%

NI before taxes

12,728

7,472

10,218

70.3%

24.6%

Income tax expense

3,501

2,098

2,691

66.9%

30.1%

Net income

9,227

5,374

7,527

71.7%

22.6%

pre-tax profit margin

37.6%

30.1%

35.1%

September 30,

% Change

3 mos Ended

AUM Drivers

$2,204.5

$932.7

$486.2

Total Change

($millions)

$25,746.8

$23,542.3

$22,609.6

Total AUM

($millions)

$567.3

$26,314.1

Institutional Investment Management

$2,994.8

$29,308.9

Total AUM

Institutional Investment Management

AUM by Strategy –

As of 3Q’13

Fixed Income Rotation

Asset Servicing

Total AUA increased by 21% to

$181.7 billion year-over-year

In the past 12 months, fund

accounting and administration

AUA grew by 40%; 26 new funds

added

Quarter 2013 Highlights

$162.4

$179.3

$206.4

$156.0

$165.4

$168.0

$181.7

2009

2010

2011

2012

1Q13

2Q13

3Q13

Assets Under Administration

($billions)

Asset

Servicing

Operating

Results

(

unaudited,

$000s)

3 mos Ended

June 30,

Year-Over-Year

Linked-Quarter

2013

2012

2013

Net interest income

550

472

587

16.5%

-6.3%

Noninterest income

20,429

18,300

19,275

11.6%

6.0%

Noninterest expense

17,201

17,142

17,054

0.3%

0.9%

NI before taxes

3,778

1,630

2,808

131.8%

34.5%

Income tax expense

1,468

608

967

141.4%

51.8%

Net income

2,310

1,022

1,841

126.0%

25.5%

pre-tax profit margin

18.0%

8.7%

14.1%

% Change

September 30,

3 mos Ended

Asset Servicing

Business Metrics

$0.85

$1.04

$1.10

$1.06

$1.08

$1.31

$1.36

$1.29

$1.26

$1.58

$1.48

$1.37

$1.38

$1.79

$1.72

$1.64

$10.6

$13.8

$15.7

$15.4

$16.4

Purchase Volume ($ billions)

Interchange ($ millions)

Payment Solutions

Total Card Purchase Volume

& Interchange Revenue

Durbin

effective

Purchase

Volume

3Q ‘09–’13

17.9%

Inter-

change

3Q ‘09–’13

11.7%

CAGR

ACommercial credit card

purchase volume +9.8% year-

over-year to $321 million;

provided 46% of interchange

Interchange revenue +6.6%

year-over-year to $16.4 million

Quarter 2013 Highlights

Payment

Solutions

Operating

Results

(

unaudited,

$000s)

3 mos Ended

June 30,

Year-Over-Year

Linked-Quarter

2013

2012

2013

Net interest income

11,587

10,843

11,192

6.9%

3.5%

Provision for loan losses

4,667

1,570

3,318

197.3%

40.7%

Noninterest income

18,409

16,081

18,649

14.5%

-1.3%

Noninterest expense

21,566

17,764

21,986

21.4%

-1.9%

NI before taxes

3,763

7,590

4,537

-50.4%

-17.1%

Income tax expense

1,311

2,024

1,350

-35.2%

-2.9%

Net income

2,452

5,566

3,187

-55.9%

-23.1%

pre-tax profit margin

12.5%

28.2%

15.2%

% Change

September 30,

3 mos Ended

Payment Solutions

Health Savings Accounts & Balances

* Deposits and investment assets

Healthcare card purchase volume

+52% to $680.2 million vs. 3Q’12

Customer deposits and assets +50%

to $637.8 million vs. 3Q’12

Quarter 2013 Highlights

Healthcare Services

Card Utilization

Bank

Assets Under Management

($ billions)

HELOC Lending

(average balances)

Total net loans grew for the 14

consecutive quarter, increasing 20.9%

year-over-year to $6.4 billion

Private Banking exceeded $305million

in average loan balances, an increase

of 38.4% over Q3 2012

Small Business Banking loans

increased 25% year-over-year to

$167.2 million

Quarter 2013 Highlights

$741

$873

$941

$1,070

$1,163

$1,209

$365

$430

$465

$524

$548

$555

49.3%

49.2%

49.4%

49.0%

47.1%

46.0%

2008

2009

2010

2011

2012

3Q13

Commitments

Balances

Utilization

3 mos Ended

June 30,

Year-Over-Year

Linked-Quarter

2013

2012

2013

Net interest income

73,419

69,051

70,558

6.3%

4.1%

Provision for loan losses

1,833

2,930

1,682

-37.4%

9.0%

Noninterest income

48,951

47,151

46,501

3.8%

5.3%

Noninterest expense

93,199

93,683

92,339

-0.5%

0.9%

NI before taxes

27,338

19,589

23,038

39.6%

18.7%

Income tax expense

6,895

5,426

5,664

27.1%

21.7%

Net income

20,443

14,163

17,374

44.3%

17.7%

pre-tax profit margin

22.3%

16.9%

19.7%

3 mos Ended

% Change

September 30,

*th

Bank

Operating

Results

(

unaudited,

$000s)

48.5%

47.9%

47.4%

45.8%

43.9%

42.4%

50%

100%

3Q'08

3Q'09

3Q'10

3Q'11

3Q'12

3Q'13

STL

Greater MO

Bank

High Growth Regions

3Q’13 vs. 3Q’12

•

Arizona

+65%

•

Nebraska

+32%

Commercial Loans By Region

•

St. Louis

+32%

•

Oklahoma +25%

Commercial Loan Growth

(C&I and CRE Loans)

5 yr

CAGR

3Q ‘08–’13

10.9%

Bank

5 yr

CAGR

3Q ‘08–’13

12.6%

Deposits By Region

48.1%

53.8%

55.0%

58.3%

60.0%

64.1%

50%

100%

3Q'08

3Q'09

3Q'10

3Q'11

3Q'12

3Q'13

STL

Gtr MO

Deposit Composition

Deposit Composition by Line of Business

At September 30, 2013

Appendix

Average Balance:

$7.0 billion

Average Yield:

1.99%

Investment Mix

As of September 30, 2013

Mortgage-Backed Securities

Municipals

CDs & Corporates

Agencies

Treasuries

Trading Securities

Investment Portfolio Statistics

1.5%

14.8%

44.2%

32.3%

6.4%

0.8%

Roll off

Purchased

($ millions)

Yield

($ millions)

Yield

1Q13

$413

1.98%

$769

1.31%

2Q13

$340

2.13%

$815

1.41%

3Q13

$265

1.85%

$77

1.02%

Scheduled Cash Flow

4Q13

$305

2.02%

Next 12 months

$1,127

1.88%

Securities Gains

($ millions)

3Q12

259

4Q12

210

1Q13

5,893

2Q13

1,519

3Q13

1,140

Duration/Life

(in months)

at 09/30/13

at 06/30/13

Avg. Life Total

49.39

48.67

Duration Total

46.31

46.80

UMB Financial (UMBF) 8-KResults of Operations and Financial Condition