UMB Financial 8K Reports First Quarter 2014 Earnings of $23.4 million, or $0.52 per Diluted Share | UMBF 22 Apr 14

Quality endures.

First Quarter 2014

UMB Financial

Exhibit 99.3

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,

2013,

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.

Earnings Summary

$ in thousands, except per-share data; unaudited

1Q14

4Q13

1Q13

vs. 4Q13

vs. 1Q13

Net Interest Income

85,445

85,914

79,483

(0.5)

7.5

Noninterest Income

122,964

135,607

121,016

(9.3)

1.6

Total Revenue

208,409

221,521

200,499

(5.9)

3.9

Noninterest Expense

172,241

170,426

150,378

1.1

14.5

Operating Income

36,168

51,095

50,121

(29.2)

(27.8)

Provision for loan losses

4,500

4,000

2,000

12.5

125.0

Income before Taxes

31,668

47,095

48,121

(32.8)

(34.2)

Income Tax Expense

8,255

12,432

13,180

(33.6)

(37.4)

Net Income

23,413

34,663

34,941

(32.5)

(33.0)

Diluted EPS

0.52

0.77

0.87

(32.5)

(40.2)

Dividends per share

0.225

0.215

4.7

WASO

44,742,068

44,511,742

39,881,505

0.5

12.2

% variance

Net Interest Income

+7.5%

Net Interest Income 1Q’14 vs. 1Q’13

•

Loan Growth

•

Improved deposit pricing

$78.4

$79.9

$79.1

$79.5

$79.1

$80.4

$80.2

$79.5

$82.3

$85.5

$85.9

$85.4

2.90%

2.98%

2.91%

2.75%

2.82%

2.80%

2.64%

2.51%

2.56%

2.61%

2.51%

2.39%

$65.0

$70.0

$75.0

$80.0

$85.0

$90.0

1Q'11

2Q'11

3Q'11

4Q'11

1Q'12

2Q'12

3Q'12

4Q'12

1Q'13

2Q'13

3Q'13

4Q'13

1Q'14

Net Interest Income

NIM%

Noninterest Income Highlights

5 Year

CAGR

23.5%

Trust & Securities Processing Revenue

Trust & Securities Processing Composition:

Equity Earnings/Alternatives

Trading & Investment Banking

Other

Deposit Service Charges

Trust & Securities Processing

Brokerage Fees

Gains on Sale of Securities

Bankcard Fees

$71.6 million in 1Q14

Primary components:

Insurance Fees

58.2%

17.5%

12.7%

3.5%

2.8%

2.1%

1.5%

1.2%

0.5%

$24.9

$35.6

$51.7

$54.7

$62.3

$71.6

the Bank segment

•$16.9M –

Personal & Institutional Asset Mgmt in

•$20.9M –

Asset Servicing

•$33.8M -

Institutional Investment Management

Expense

CAGR

10.1%

Noninterest Expense

Noninterest expense increased 14.5% to $172.2 million vs. 1Q’13

•

Salary and benefit expense increased $5.2 million or 6.2% compared to 1Q’13

•

Expense

for

contingent

consideration

liabilities

acquisitions

was

$4.5

million

1Q’14

compared

just

$3.3 million a year ago

•

Expense for a contingency reserve related to Prairie Capital Management added $15 million to expense in

1Q’14

Salary

CAGR

8.9%

Income

CAGR

12.3%

Managed FTE Costs; Growing Noninterest Income

* Noninterest Income/Noninterest Expense

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

$40

$60

$80

$100

$120

$140

$160

$180

Salary/Benefit Expense

Noninterest Income

Total Noninterest Expense

Coverage Ratio*

Select Balance Sheet Items

$ in thousands, average balances; unaudited

vs. 4Q13

vs. 1Q13

Avg. Balance

Assets

Loans, net of unearned interest

6,678,932

3.58

6,483,711

3.62

5,814,855

3.82

3.0

14.9

Total securities

6,997,052

1.98

6,969,863

1.97

6,866,546

1.98

0.4

1.9

Total earning assets

15,438,211

2.48

14,453,720

2.60

13,731,068

2.64

6.8

12.4

Allowance for loan losses

(74,997)

(75,135)

(71,504)

(0.2)

4.9

Total assets

16,504,251

15,533,761

14,783,017

6.2

11.6

Liabilities and Shareholders' Equity

Interest-bearing deposits

7,968,400

0.16

7,795,495

0.15

7,018,471

0.22

2.2

13.5

Total interest-bearing liabilities

9,641,869

0.15

8,973,635

0.14

8,696,925

0.21

7.4

10.9

Noninterest-bearing demand deposits

5,167,513

4,903,429

4,626,556

5.4

11.7

Shareholders' Equity

1,547,722

1,514,145

1,282,397

2.2

20.7

Total liabilities and shareholders' equity

16,504,251

15,533,761

14,783,017

6.2

11.6

Net interest spread

2.33

2.47

2.43

Net interest margin

2.39

2.51

% variance

1Q14

4Q13

1Q13

Avg Yield

/ Rate %

Avg Yield

/ Rate %

Avg Yield

/ Rate %

Consistent Loan Growth

5 Year

CAGR

8.6%

$4.4

$4.6

$5.1

$5.8

$6.7

3.0%

3.5%

4.0%

4.5%

5.0%

5.5%

6.0%

6.5%

7.0%

Average Net Loans

Average Loan Yield

Average Balance, AFS:

$6.7 billion

Average Yield:

1.89%

Investment Mix

Securities Available for Sale,

At March 31, 2014

Agencies

High Quality Investment Portfolio

Securities Gains

$ in thousands

1Q13

5,893

2Q13

1,519

3Q13

1,140

4Q13

(10)

1Q14

1,470

Roll off

Purchased

($ millions)

Yield

($ millions)

Yield

2Q13

$340

2.13%

$815

1.41%

3Q13

$265

1.85%

$77

1.02%

4Q13

$308

2.04%

$355

0.64%

1Q14

$528

1.53%

$618

1.26%

Scheduled Cash Flow

2Q14

$263

2.03%

Next 12 months

$1,058

2.01%

CDs & Corporates

Municipals

Mortgage-Backed Securities

Treasuries

AFS Portfolio Statistics

45.8%

29.1%

15.1%

6.3%

3.7%

Duration/Life

(in months)

at 03/31/14

Avg. Life Total

46.66

47.55

Duration Total

43.03

44.12

at 12/31/13

Key Metrics

Credit Quality

$ in thousands

Performance Metrics

Net Charge-Offs

Nonperforming Loans

ROAE/ROAA

Efficiency Ratio/NIM

11.05%

9.31%

10.84%

9.08%

6.13%

0.96%

0.81%

0.92%

0.89%

0.58%

1Q'13

2Q'13

3Q'13

4Q'13

1Q'14

Return on Avg Equity

Return on Avg Assets

73.46%

73.50%

70.77%

73.64%

79.67%

2.51%

2.56%

2.61%

2.51%

2.39%

1Q'13

2Q'13

3Q'13

4Q'13

1Q'14

Efficiency Ratio

Net Interest Margin

$3,545

$3,234

$3,209

$4,187

$3,737

0.25%

0.21%

0.20%

0.26%

0.23%

1Q'13

2Q'13

3Q'13

4Q'13

1Q'14

Net Charge-offs

NCOs/Avg Loans

$27,580

$25,489

$31,260

$30,706

$30,153

0.46%

0.40%

0.48%

0.47%

0.45%

1Q'13

2Q'13

3Q'13

4Q'13

1Q'14

Nonperforming Loans

NPLs/Loans

Business Segment Updates

Bank

Quarter

2014

Highlights

$8.4

$9.5

$10.3

$11.6

$13.1

32.7%

32.3%

38.7%

39.7%

39.3%

1Q'10

1Q'11

1Q'12

1Q'13

1Q'14

Interest Bearing

Non-Interest Bearing

$4.4

$4.6

$5.1

$5.8

$6.7

1Q'10

1Q'11

1Q'12

1Q'13

1Q'14

Average Net Loans

$ in billions

Average Deposits

$ in billions

Bank Operating Results $

3 mos Ended

Dec 31,

Y/Y

Q/Q

2014

2013

Net interest income

71,121

67,260

73,874

5.7%

-3.7%

Provision for loan losses

2,426

309

1,340

685.1%

81.0%

Noninterest income

47,420

52,748

62,405

-10.1%

-24.0%

Noninterest expense

107,753

91,536

99,139

17.7%

8.7%

NI before taxes

8,362

28,163

35,800

-70.3%

-76.6%

Income tax expense

1,942

7,705

8,905

-74.8%

-78.2%

Net income

6,420

20,458

26,895

-68.6%

-76.1%

pre-tax profit margin

7.1%

23.5%

26.3%

3 mos Ended

% Change

March 31,

in 000s, unaudited

5 yr

CAGR

8.6%

5 yr

CAGR

15.2%

Default workouts in corporate trust

continue to grow, with revenue of $761K

in the quarter, an increase of 163%

Expense for a contingency reserve

related to Prairie Capital Mgmt added

$15 million to expense in 1Q’14

Average

net

loans

grew

for

the

consecutive quarter, year-over-year,

increasing 14.9% to $6.7 billion

Bank

Lending

Diverse Loan Book

(Actual Loan Balances at March 31)

10.3%

2.2%

8.6%

4.5%

8.4%

0.9%

6.2%

4.4%

46.7%

54.7%

27.7%

25.4%

$4.7

$5.1

$6.0

$6.8

1Q'11

1Q'12

1Q'13

1Q'14

Commercial & Industrial

Commercial Real Estate

Consumer Real Estate

Credit Card

Consumer

Other

Home Equity

Bank

Deposits

Diverse Sources of Deposits

(Average Deposits for Three Months Ended March 31)

2.7%

4.1%

2.7%

7.7%

5.8%

4.2%

5.6%

6.9%

29.4%

32.7%

35.7%

24.5%

11.9%

15.0%

$8.4

$9.5

$10.3

$11.6

1Q'11

1Q'12

1Q'13

1Q'14

Commercial/Treasury Mgmt

Consumer Banking

Asset Servicing

Private Wealth Mgmt

Institutional Asset Mgmt

Healthcare Svcs

Small Business Banking

Inst. Banking & Investor Services

Bank –

Commercial Banking

High Growth Regions

1Q’14 vs. 1Q’13

•

Arizona

+48.6%

Commercial Loans By Region

•

St. Louis

+28.3%

•

Oklahoma +18.4%

Loan Balances

$ in billions, Average C&I and CRE Loan Balances for Three Months Ended March 31

47.2%

45.9%

44.1%

42.8%

41.6%

50%

100%

1Q'10

1Q'11

1Q'12

1Q'13

1Q'14

STL

Greater MO

$3.41

$3.61

$4.03

$4.71

$5.52

1Q'10

1Q'11

1Q'12

1Q'13

1Q'14

5 yr

CAGR

1Q ‘09–1Q’14

10.2%

Bank –

Private Wealth Mgmt. & Consumer Banking

Assets Under Management

$ in billions

Home Equity Lines of Credit

$ in billions

$10.2B

$10.9B

$5,490

$5,366

$6,390

$7,044

$7,376

$1,744

$2,035

$2,219

$2,853

$3,195

$152

$188

$226

$351

$364

2010

2011

2012

2013

1Q14

Private Wealth & Institutional Asset Mgmt

Prairie Capital Management

Brokerage Assets

$901

$971

$1,096

$1,173

$1,250

$444

$468

$531

$543

$559

49.3%

48.2%

48.5%

46.3%

44.7%

1Q '10

1Q '11

1Q '12

1Q '13

1Q '14

Commitments

Balances

Utilization

$7.4B

$7.6B

$8.8B

AUM increased 25% year-over-year to

$32.2 billion

The Scout Equity Opportunity Fund

was launched on March 28.

Scout received approval for a UCITS

structure during the quarter, allowing

greater international distribution

capabilities

Institutional Investment Management

Total Scout Assets Under Management

$ in billions

1 Quarter 2014 Highlights

$25.7

$26.3

$29.3

$31.2

$32.2

1Q'13

2Q13

3Q13

4Q13

1Q14

Institutional Investment Management Operating Results

$ in 000s, unaudited

3 mos Ended

Dec 31,

Y/Y

Q/Q

2014

2013

Net Interest income

(2)

(10)

-80.0%

Noninterest income

34,095

28,552

34,893

19.4%

-2.3%

Noninterest expense

25,894

18,845

29,583

37.4%

-12.5%

NI before taxes

8,199

9,707

5,300

-15.5%

54.7%

Income tax expense

2,184

2,667

1,127

-18.1%

93.8%

Net income

6,015

7,040

4,173

-14.6%

44.1%

pre-tax profit margin

24.0%

34.0%

15.2%

March 31,

% Change

3 mos Ended

AUM Drivers

$ in millions

$2,204.5

$996.1

Total Change

($millions)

$25,746.8

$32,163.5

Total AUM

($millions)

$567.3

$26,314.1

Institutional Investment Management

$2,994.8

$29,308.9

$1,858.5

$31,167.4

Total AUM

$19.9B

$19.7B

$23.5B

Institutional Investment Management

$31.2B

$32.2B

Equity Strategies

International

Mid Cap

International ADR

Emerging Markets

Global

Small Cap

Other:

Fixed Income Strategies

Core Plus

Low Duration

Long Duration

Core

Intermediate

Unconstrained

Global Aggregate

Real Return

Equity

Fixed Income

52%

48%

66.2%

29.0%

.8%

1.8%

0.2%

32.4%

23.1%

20.2%

13.8%

5.9%

2.7%

1.8%

0.1%

AUM by Strategy – As of 1Q’14

$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

$1.63

$2.10

$11.7

$14.7

$15.3

$16.6

$16.7

Purchase Volume ($ billions)

Interchange ($ millions)

Payment Solutions

Total debit and credit purchase volume

increased by 17% year-over-year to

surpass $2 billion

Balances in our FDIC sweep product

have grown at a CAGR of 109% over

the past 5 years, ending March at

$23.7 billion

Quarter 2014 Highlights

Durbin

effective

Healthcare deposits grew to

$751M and healthcare assets

grew to $57.1M, for a combined

increase of 33.0% over 1Q’13

Payment Solutions Operating Results

$ in 000s, unaudited

3 mos Ended

Dec 31,

Y/Y

Q/Q

2014

2013

Net interest income

12,388

11,548

11,505

7.3%

7.7%

Provision for loan losses

2,074

1,691

2,660

22.6%

-22.0%

Noninterest income

20,235

19,437

17,737

4.1%

14.1%

Noninterest expense

21,015

20,117

23,121

4.5%

-9.1%

NI before taxes

9,534

9,177

3,461

3.9%

175.5%

Income tax expense

2,609

2,534

1,271

3.0%

105.3%

Net income

6,925

6,643

2,190

4.2%

216.2%

pre-tax profit margin

29.2%

29.6%

11.8%

% Change

March 31,

3 mos Ended

Total Card Purchase Volume & Interchange Revenue

Payment Solutions

Annual Purchase Volume by Card Type

43.6%

21.5%

18.6%

11.8%

2.0%

2.5%

27.1%

35.9%

19.2%

11.1%

3.5%

3.2%

Asset Servicing

Total AUA increased by 18% to $195.5

billion year-over-year

UMB Fund Services was recognized as the

Best Administrator in North America as part

of the 2014 Hedgeweek Awards

Quarter 2014 Highlights

Assets Under Administration

$billions

Asset Servicing Operating Results

$ in 000s, unaudited

3 mos Ended

Dec 31,

Y/Y

Q/Q

2014

2013

Net interest income

1,938

675

545

187.1%

255.6%

Noninterest income

21,214

20,279

20,572

4.6%

3.1%

Noninterest expense

17,579

19,880

18,583

-11.6%

-5.4%

NI before taxes

5,573

1,074

2,534

418.9%

119.9%

Income tax expense

1,520

274

1,129

454.7%

34.6%

Net income

4,053

800

1,405

406.6%

188.5%

pre-tax profit margin

24.1%

5.1%

12.0%

% Change

March 31,

3 mos Ended

Asset Servicing

Fund Accounting & Administration

Alternative Asset Servicing

Custody

Transfer Agency

Building a company

for the next 100 years.

UMB Financial

First Quarter 2014

UMB Financial (UMBF) 8-KUMB Financial Corporation Reports First Quarter 2014 Earnings of $23.4 million, or $0.52 per Diluted Share