UMB Financial 8K Reports First Quarter 2015 Earnings of $33.8 million, or $0.74 per Diluted Share | UMBF 28 Apr 15

Strength in Balance.

First Quarter 2015

April 28, 2015

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

historical

current

facts.

Forward-looking

statements

often

use

words

such

“believe,”

“expect,”

“anticipate,”

“intend,”

“estimate,”

“project,”

“outlook,”

“forecast,”

“target,”

“trend,”

“plan,”

“goal,”

or other words of comparable meaning or future-

tense or conditional verbs such as “may,”

“will,”

“should,”

“would,”

or “could.”

Forward-looking statements convey our

expectations, intentions, or forecasts about future events, circumstances, results, or aspirations.

All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of

which are beyond our control. You should not rely on any forward-looking statement as a 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,

2014,

our

subsequent

Quarterly

Reports

Form

10-Q

Current

Reports

Form

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 Annual Report on Form 10-K, Quarterly Report on Form 10-Q, Current Report on Form

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

Performance Highlights

Earnings Summary –

1Q 2015

$ in thousands, except per-share data; unaudited

1Q'15

1Q'14

4Q'14

vs. 1Q'14

vs. 4Q'14

Net Interest Income

90,358

85,445

90,914

5.7

(0.6)

Noninterest Income

125,207

122,964

115,248

1.8

8.6

Pre-Provision Net Revenue

215,565

208,409

206,162

3.4

4.6

Noninterest Expense

164,413

172,241

166,713

(4.5)

(1.4)

Income Before Provision & Taxes

51,152

36,168

39,449

41.4

29.7

Provision for loan losses

3,000

4,500

3,000

(33.3)

Income before Taxes

48,152

31,668

36,449

52.1

32.1

Income Tax Provision

14,387

8,255

9,509

74.3

51.3

Net Income

33,765

23,413

26,940

44.2

25.3

Diluted EPS

0.74

0.52

0.59

42.3

25.4

Dividends per share

0.235

0.225

0.235

4.4

0.0

WASO - diluted

45,437,654

45,382,692

45,465,760

0.1

(0.1)

% variance

Key Performance Metrics

1Q'15

4Q'14

3Q'14

2Q'14

1Q'14

ROAE

8.18%

6.47%

8.77%

6.13%

ROAA

0.81%

0.66%

0.90%

0.89%

0.58%

Efficiency Ratio

75.67%

77.46%

72.25%

73.32%

79.67%

Net Interest Margin

2.46%

2.52%

2.53%

2.39%

Noninterest Income % of revenue

58.1%

55.9%

59.1%

60.9%

59.0%

Avg. Loan/Deposit Ratio

56.3%

57.0%

55.9%

56.2%

50.8%

Assets Under Mgmt. (billions)

42.3

42.8

42.1

43.7

43.1

Tier 1 Capital Ratio

12.91%

13.29%

13.72%

13.81%

13.35%

Diluted EPS

0.74

0.59

0.78

0.76

0.52

Tier 1 Capital calculated under Basel III requirements beginning in 1Q’15.

Select Balance Sheet Items

$ in thousands, average balances; unaudited

vs. Mar '14

vs. Dec '14

Avg. Balance

Assets

Loans, net of unearned interest

7,470,101

3.49

6,678,932

3.58

7,320,930

3.49

11.8

2.0

Total securities

7,153,018

1.94

7,035,642

1.98

7,184,075

1.91

1.7

(0.4)

Total earning assets

15,765,321

2.56

15,438,211

2.48

15,150,747

2.61

2.1

4.1

Allowance for loan losses

(76,574)

(74,997)

��

(77,527)

2.1

(1.2)

Total assets

16,831,955

16,504,251

16,231,622

2.0

3.7

Liabilities and Shareholders' Equity

Interest-bearing deposits

7,602,258

0.16

7,968,400

0.16

7,446,164

0.16

(4.6)

2.1

Total interest-bearing liabilities

9,321,497

0.16

9,641,869

0.15

8,988,438

0.15

(3.3)

3.7

Noninterest-bearing demand deposits

5,660,893

5,167,513

5,403,856

9.5

4.8

Shareholders' Equity

1,674,761

1,547,722

1,651,969

8.2

1.4

Total liabilities and shareholders' equity

16,831,955

16,504,251

16,231,622

2.0

3.7

Net interest spread

2.40

2.33

2.46

Net interest margin

2.46

2.39

2.52

% variance

March 31, 2015

March 31, 2014

December 31, 2014

Avg Yield

/ Rate %

Avg Yield

/ Rate %

Avg Yield

/ Rate %

Three Months Ended

Consistent Loan Growth

Average Loans & Loan Yields

Average Loans

Average Loan Yield

$4.6

$5.1

$5.8

$6.7

$7.5

4.74%

4.31%

3.82%

3.58%

3.49%

Quality Credit Metrics

Net Charge-Offs

$000’s

Nonperforming Loans

$000’s

$3,737

$3,713

$3,985

$4,176

$1,661

0.23%

0.22%

0.23%

0.09%

1Q'14

2Q'14

3Q'14

4Q'14

1Q'15

Net Charge-offs

NCOs/Avg Loans

$30,153

$27,175

$32,662

$27,382

$29,187

0.45%

0.39%

0.46%

0.37%

0.39%

1Q'14

2Q'14

3Q'14

4Q'14

1Q'15

Nonperforming Loans

NPLs/Loans

Quarter 2015

Average Balance, AFS:

$6.7 billion

Average Yield:

1.82%

Investment Mix

Securities Available for Sale

$6.8 billion at March 31, 2015

Agencies

High Quality Investment Portfolio

Corporates

Municipals

Mortgage-Backed Securities

Treasuries

AFS Portfolio Statistics

Roll off

Purchased

($ millions)

Yield

($ millions)

Yield

2Q'14

$275

2.23%

$560

1.35%

3Q'14

$244

1.98%

$311

1.45%

4Q'14

$285

2.12%

$382

1.55%

1Q'15

$333

2.02%

$709

1.89%

Scheduled Cash Flow

2Q'15

$255

2.03%

Next 12 months

$1,268

1.57%

Securities Gains

$ in thousands

1Q'14

1,470

2Q'14

2,569

3Q'14

4Q'14

1Q'15

7,336

Duration/Life

(in months)

at 03/31/15

at 12/31/14

Avg. Life Total

43.67

43.62

Duration Total

37.57

37.71

49.3%

30.2%

12.6%

6.3%

1.6%

Deposit Growth

Deposits & Percent of Free Funds

Average; $ billions

1Q 2015

Cost of Interest-Bearing Liabilities 0.16%

Including DDA 0.09%

$9.5

$11.6

$10.3

$13.1

$13.3

32.3%

38.7%

39.7%

39.3%

42.7%

$0.0

$2.5

$5.0

$7.5

$10.0

$12.5

Interest Bearing

Non-Interest Bearing

Balance Sheet –

Strong Capital Position

Tier 1 Capital Ratio vs. Industry

1Q 2015

Average Equity

($ billions)

Capital Ratio Trends

Industry Median as of 4Q14; Source: SNL Financial

*1Q’15 ratios calculated under Basel III requirements

11.92

14.43

14.04

13.62

11.05

13.61

13.29

12.91

6.81

8.41

8.72

8.69

12.91

2012

2013

2014

1Q'15*

Total Risk-Based Capital

Tier 1 Capital

Tier 1 Leverage

Common Tier 1 Equity

$1.04

$1.67

1Q'10

1Q'15

14.02%

12.91%

Industry

Median

Bankcard Fees

Noninterest Income Highlights –

1Q 2015

Trust & Securities Processing Revenue

Trust & Securities Processing Composition:

Deposit Service Charges

Trust & Securities Processing

Brokerage Fees

($ millions)

Insurance Fees

Source of income:

1Q'15

1Q'14

Institutional Investment Mgmt.

$26.3

$34.5

Asset Servicing

$23.0

$20.9

Bank (inst. & personal asset mgmt.)

$18.0

$16.2

$67.3

$71.6

Excludes ($842k) from Equity Earnings on Alternative Investments, which represents (0.7%) of noninterest income

53.8%

17.2%

12.9%

5.9%

4.9%

3.3%

2.3%

0.5%

$51.7

$54.7

$62.3

$71.6

$67.3

$35.6

Trading & Investment Banking

Other

Gains on Sale of Securities

Noninterest Expense

000's

1Q'15

4Q'14

3Q'14

2Q'14

1Q'14

Salaries and employee benefits

98,537

90,115

90,041

89,532

88,881

Occupancy, net

10,010

10,312

10,475

9,705

Equipment

14,172

14,618

13,408

12,920

12,663

Supplies, postage and telephone

4,325

5,403

4,817

5,554

4,637

Marketing and business dev

4,618

7,182

6,057

6,307

4,602

Processing fees

12,783

13,496

14,085

14,817

13,651

Legal and consulting

4,378

7,907

4,496

4,632

3,372

Bankcard

4,768

6,812

4,097

4,997

3,688

Amortization of other intangibles

2,755

2,974

3,043

3,074

3,102

Regulatory fees

2,756

2,643

2,577

2,709

2,516

Contingency reserve

5,272

15,000

Other

5,311

5,251

8,365

6,992

10,424

Total noninterest expense

164,413

166,713

161,461

166,511

172,241

Noninterest expense decreased 4.5% to

$164.4MM vs. 1Q’14.

Reduction of $15MM due to contingency

reserve booked in 1Q’14 vs. none in 1Q’15

“Other”

noninterest expense decreased

$5.1MM, driven by decreased earn out

liability expense adjustments, partially offset

by acquisition expenses of $790k

Processing fees decreased 6.4% or $868k,

because of lower fees on reduced AUM

levels at Scout

Salary and benefits increased 10.9% year-

over-year

The increase of $1.5MM in equipment

expense is largely related to software

maintenance and amortization expense

Regulatory environment

Cyber security

Modernization due in part to the

anticipated acquisition of MFC

Quarter

‘15

Expense

Highlights

Prairie Capital Management Summary

Select Components of Noninterest Income and Expense Related to PCM

**Represents contingent consideration changes related to the settlement agreement for specific private equity funds.

*Represents contingent consideration changes related to operational performance and hedge fund performance fees.

(unaudited)

1Q'15

Related Component of Noninterest Income – Equity Earnings on Alternative Investments

Hedge Fund Performance Fees / Investment Returns

15,559

Private Equity Unrealized Gains (or Losses)

(857,783)

Equity Earnings on Alternative Investments

(842,224)

Related Component of Noninterest Expense – Other

Other–Contingent Consideration Expense – PCM Purchase Agreement*

(262,802)

Other–Contingent Consideration Expense – Private Equity Unrealized Gains (or Losses)**

(772,005)

Sum of Contingency Reserve and These Subcomponents of Other Noninterest Expense

(1,034,807)

Business Segment Updates

Bank

Net

loans

grew

for

the

consecutive

quarter,

increasing

11.0%

year-over-year

$7.4 billion

Private Banking average loans increased 29.9% to $443.6 million vs. 1Q’14

Trading and investment banking revenue increased by 41.6% vs. 1Q’14, driven by

strong fixed-income bond sales and increased municipal underwriting and private

placements

UMB was awarded the Greenwich Excellence Award in the Middle Market Banking

Category for Overall Satisfaction, both nationally and in the Midwest

Highlights

Bank Segment Results

$ in

000s,

unaudited

% Change

3 mos Ended

% Change

Y/Y

December 31,

2015

2014

Net interest income

75,327

71,122

5.9%

75,862

-0.7%

Provision for loan losses

1,600

2,426

-34.0%

1,617

-1.1%

Noninterest income

51,551

47,435

8.7%

42,380

21.6%

Noninterest expense

100,748

107,861

-6.6%

97,070

3.8%

NI before taxes

24,530

8,270

196.6%

19,555

25.4%

Income tax provision

7,344

2,005

266.3%

5,158

42.4%

Net income

17,186

6,265

174.3%

14,397

19.4%

pre-tax profit margin

19.3%

7.0%

16.5%

3 mos Ended

March 31,

44.0%

48.3%

53.3%

52.0%

51.3%

2.1%

2.0%

1.8%

1.7%

2.7%

1.6%

1.4%

2.7%

3.4%

27.7%

26.5%

24.0%

25.4%

25.9%

4.5%

3.9%

3.8%

4.4%

10.3%

10.5%

9.4%

8.4%

6.5%

6.1%

5.2%

4.4%

3.8%

2.2%

1.0%

0.9%

1.1%

1Q'11

1Q'12

1Q'13

1Q'14

1Q'15

Bank –

Lending

Diverse Loan Book

(Actual Loan Balances at March 31)

$4.7B

$5.1B

$6.0B

$6.8B

$7.5B

Commercial Credit Card

Commercial & Industrial

HELOC

Residential Real Estate

Real Estate Construction

Commercial Real Estate

Consumer Credit Card

Consumer Other

5 yr

CAGR

9.9%

Bank –

Regional Lending

High Growth Regions

1Q’15 vs. 1Q’14

$4.7B

$5.1B

$6.0B

$6.8B

$7.5B

$111.9

$195.7

$95.6

$129.3

$275.7

$132.4

$181.7

$299.7

$214.4

$200.7

$153.1

$217.5

$70.2

Texas +118%

Kansas +12%

Arizona +41%

Loans by Region

(Actual Loan Balances at March 31)

Colorado

Kansas City

Arizona

Kansas

St. Louis

Greater MO

Oklahoma

Nebraska

Texas

$2,340.3

$2,481.4

$2,874.1

$3,011.2

$3,353.6

$566.8

$699.5

$839.8

$954.5

$999.2

$462.5

$523.0

$621.4

$765.2

$817.5

$498.6

$509.5

$559.8

$625.8

$691.9

$396.5

$394.1

$419.7

$462.0

$517.6

$295.9

$417.9

$373.4

$330.0

1Q'11

1Q'12

1Q'13

1Q'14

1Q'15

25.9%

30.5%

29.7%

33.2%

31.1%

33.0%

32.0%

26.5%

26.7%

24.5%

11.7%

7.6%

8.3%

8.1%

9.0%

4.6%

6.1%

8.1%

7.6%

7.2%

6.5%

15.0%

10.9%

12.2%

8.7%

6.3%

6.2%

2.0%

1.7%

6.8%

5.2%

4.4%

3.8%

4.6%

4.1%

4.6%

3.8%

1Q'11

1Q'12

1Q'13

1Q'14

1Q'15

Bank –

Deposits

Diverse Sources of Deposits

(Actual Deposits at March 31)

$10.4B

$10.7B

$12.6B

$12.3B

$13.2B

Consumer

Commercial

Asset Servicing

Private Wealth

Inst. Asset Mgmt.

Healthcare

IBIS

Small Business

Other

0.8%

1.0%

0.3%

0.2%

5 yr

CAGR

9.9%

$7.6B

$8.8B

$10.2B

$11.6B

$11.7B

$1.09B

$1.18B

$1.23B

$1.40B

$1.42B

Home Equity Lines of Credit

$ in millions

Assets Under Management

$ in millions

Bank –

Asset Mgmt. & Home Equity Lending

$5,366

$6,390

$7,044

$7,610

$7,751

$2,035

$2,219

$2,853

$3,603

$3,551

$188

$226

$351

$419

$429

2011

2012

2013

2014

1Q'15

Private Wealth & Institutional Asset Mgmt

Prairie Capital Management

Brokerage Assets

$533

$574

$566

$644

$631

$559

$608

$663

$755

$789

2011

2012

2013

2014

1Q'15

Balances

Unused Commitments

Utilization

48.8%

48.5%

46.1%

46.0%

44.4%

Institutional Investment Management

Scout assets under management now stand at $30.6 billion

Scout has launched five new mutual funds, three new strategies, and one

UCITS in the past five years

Highlights

Institutional Investment Management Segment Results

$ in 000s, unaudited

% Change

3 mos Ended

% Change

Y/Y

December 31,

2015

2014

Net Interest income

(3)

133.3%

Noninterest income

27,084

34,095

-20.6%

29,212

7.3%

Noninterest expense

17,973

25,889

-30.6%

23,156

22.4%

NI before taxes

9,112

8,203

11.1%

6,056

-50.5%

Income tax provision

2,717

2,146

26.6%

1,445

-88.0%

Net income

6,395

6,057

5.6%

4,611

-38.7%

pre-tax profit margin

33.6%

24.1%

20.7%

3 mos Ended

March 31,

Total AUM

$30.6B

$19.7B

$23.5B

Institutional Investment Management

$31.2B

Equity Mutual Funds

Equity Institutional & Other

Fixed Income Institutional & Other

Fixed Income Mutual Funds

$8.2

$10.4

$12.6

$7.8

$7.2

$0.6

$0.9

$3.2

$2.4

$2.3

$10.3

$11.4

$12.6

$18.1

$18.3

$0.6

$0.8

$2.8

$2.9

$2.8

2011

2012

2013

2014

1Q’15

AUM Drivers

$ in millions

($1,767.0)

$230.7

Total Change

($millions)

$30,627.3

$32,394.3

Total AUM

($millions)

Institutional Investment Management

$996.1

$32,163.5

$550.7

$31,178.1

($570.7)

$30,607.4

1Q’15

4Q’14

3Q’14

2Q’14

1Q’14

($331.0)

($1,287.0)

($1,366.6)

($2,314.6)

($1,111.0)

$47.7

$455.4

($645.6)

($166.3)

$447.5

$1,030.6

$908.9

$263.8

$2,976.0

($79.3)

$248.8

$153.4

($18.6)

$55.6

$172.0

$2,500

$1,500

$500

$1,500

$2,500

$3,500

Equity Flows

Equity Market Impact

Fixed Income Flows

Fixed Income Market Impact

($1,111.0)

AUM by Strategy –

As of March 31, 2015

Equity Strategies

International

Mid Cap

International ADR

Emerging Markets

Global

Small Cap

Other:

Fixed Income Strategies

Core Plus

Low Duration

Long Duration

Intermediate

Core

Unconstrained

Unconstrained UCITS

Real Return

Equity

Fixed Income

Other:

Equity Opportunity

Global Aggregate

55.9%

37.1%

3.7%

2.8%

0.5%

67%

33%

33.0%

27.0%

17.8%

9.9%

5.1%

7.2%

Payment Solutions

Credit and debit card purchase volume grew 11.4% vs. 1Q’14 to $2.3 billion, driving an

increase of $1.6 million in interchange revenue year-over-year

HSA deposits and assets grew by 42.8% vs. 1Q’14 to $1.2 billion. HSA deposits have

grown to 8.1% of total company deposits at March 31, 2015

Managed deposits in our FDIC sweep programs stood at $30.9 billion, an increase of

30.5% year-over-year and a 5-year compound annual growth rate of 53.5%

Payment Solutions Segment Results $ in 000s, unaudited

% Change

3 mos Ended

% Change

Y/Y

December 31,

2015

2014

Net interest income

14,033

12,388

13.3%

14,003

0.2%

Provision for loan losses

1,400

2,074

-32.5%

1,383

1.2%

Noninterest income

23,138

20,219

14.4%

21,479

7.7%

Noninterest expense

24,396

20,948

16.5%

26,507

-8.0%

NI before taxes

11,375

9,585

18.7%

7,592

49.8%

Income tax provision

3,406

2,593

31.4%

2,029

67.9%

Net income

7,969

6,992

14.0%

5,563

43.3%

pre-tax profit margin

30.6%

29.4%

21.4%

3 mos Ended

March 31,

Highlights

Payment Solutions

Total Card Purchase Volume

& Interchange Revenue

Commercial Credit

Consumer Credit

Consumer Debit

Healthcare

Inst. Banking & Investor Services

Interchange ($millions)

$2.3B

$1.3B

$1.6B

$1.8B

$2.1B

1.4%

1.1%

1.0%

1.5%

1.3%

15.7%

14.0%

12.1%

10.2%

8.0%

18.1%

17.0%

15.5%

15.1%

25.8%

23.6%

20.7%

18.0%

16.1%

39.0%

43.2%

49.2%

54.8%

59.5%

$15.2

$15.3

$16.6

$16.7

$18.4

1Q '11

1Q '12

1Q '13

1Q '14

1Q '15

Payment Solutions –

Healthcare Services

Healthcare Purchase Volume Trends

$millions

* Interchange revenue from Healthcare cards divided by purchase volume on Healthcare cards

16.9%

23.4%

22.7%

32.5%

37.7%

41.0%

29.0%

$512.2

$461.2

$393.8

$350.0

$682.2

$536.4

$448.0

$421.4

$881.3

$748.6

$680.2

$649.1

$1,150.0

$1,152.1

$1,082.9

$1,052.3

$1,393.0

0.36%

0.34%

0.36%

0.28%

Virtual Card Volume

Other Healthcare Volume

Effective Interchange Rate *

$298.4

$399.6

$595.0

$841.7

$1,061.0

$24.9

$30.9

$47.4

$75.8

$92.5

2011

2012

2013

2014

1Q'15

HSA $ Deposits (in millions)

HSA $ Assets (in millions)

Payment Solutions –

Healthcare Services

Healthcare Deposits and Assets

$millions

$323.3

$430.5

$642.4

$917.5

$1,153.5

Healthcare

provided

8.1% of Total

Avg. Deposits

in 1Q’15

Asset Servicing

Assets Under Administration

$billions

Assets in the IMST increased nearly 74%

and now stand at $12.5 billion compared to

$7.2 billion a year ago

The number of funds serviced grew by 126

in the past 12 months, an increase of 12%

UMB Fund Services was named “Best

Fund Administrator 2015”

by Corporate

LiveWire

Highlights

Asset Servicing Segment Results

000s,

unaudited

% Change

3 mos Ended

% Change

Y/Y

December 31,

2015

2014

Net interest income

997

1,938

-48.6%

1,049

-5.0%

Noninterest income

23,434

21,215

10.5%

22,177

5.7%

Noninterest expense

21,296

17,543

21.4%

19,980

6.6%

NI before taxes

3,135

5,610

-44.1%

3,246

-3.4%

Income tax provision

920

1,511

-39.1%

877

4.9%

Net income

2,215

4,099

-46.0%

2,369

-6.5%

pre-tax profit margin

12.8%

24.2%

14.0%

March 31,

3 mos Ended

$167.7

$202.7

Asset Servicing

Fund Accounting & Administration

Alternative Asset Servicing

Custody

Transfer Agency

$35.9

$44.1

$63.0

$72.1

$72.0

160

179

219

249

252

2011

2012

2013

2014

1Q'15

Assets Under Administration

# of Funds Serviced

$24.7

$26.3

$27.9

$31.5

$35.8

467

532

514

579

2011

2012

2013

2014

1Q'15

Assets Under Administration

# of Funds Serviced

802.4

946.8

1,280.1

1,111.2

1,157.7

256

270

301

349

2011

2012

2013

2014

1Q'15

# of Shareholders

# of Funds Serviced

$115.6

$54.9

$68.0

$62.4

$63.1

499

443

411

454

459

2011

2012

2013

2014

1Q'15

Assets Under Administration

# of Custody Accounts

Strengths We are Leveraging

Diversified

revenue

Growing fee

businesses

Leadership

Success building a smartly

diversified financial services

company

Building scale through

strategic acquisitions

Professional management

teams leading highly engaged

workforce across the footprint

Strength in balance –

today and tomorrow.

First Quarter 2015

UMB Financial

UMB Financial (UMBF) 8-KUMB Financial Corporation Reports First Quarter 2015 Earnings of $33.8 million, or $0.74 per Diluted Share