Associated Banc-Corp (ASB) 8-K Statements made in this presentation which are not purely historical are forward-looking

ASSOCIATED BANC-CORP

INVESTOR PRESENTATION

THIRD QUARTER 2013

Exhibit 99.1

FORWARD-LOOKING STATEMENTS

Important

note

regarding

forward-looking

statements:

Statements made in this presentation which are not purely historical are forward-looking

statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes

any statements regarding management’s plans, objectives, or goals for future operations,

products or services, and forecasts of its revenues, earnings, or other measures of

performance.

Such forward-looking statements may be identified by the use of words such

as “believe”, “expect”, “anticipate”, “plan”, “estimate”, “should”, “will”, “intend”, “outlook”, or

similar expressions.

Forward-looking statements are based on current management

expectations and, by their nature, are subject to risks and uncertainties. Actual results may

differ materially from those contained in the forward-looking statements.

Factors which may

cause actual results to differ materially from those contained in such forward-looking

statements include those identified in the company’s most recent Form 10-K and subsequent

SEC filings.

Such factors are incorporated herein by reference.

1

LEADING MIDWEST BANKING FRANCHISE

2

1

FDIC

market

share

data

6/30/12;

2

Experian

State

of

Credit

Survey

2012;

3

Source: U.S. BLS, State: June 2013, US: Apr. 2013; 

4

Source: FRB Chicago

Midwest Manufacturing Index, Jun. 2013;

5

As of June 30, 2013

Operating in Attractive Midwest Markets

•

5 of the top 10 cities in the U.S with highest credit score in footprint²

•

WI & MN continue to show above average employment levels³

•

Midwest Manufacturing output is up 11.0% YoY (vs. 5.6% nationally)

4

•

Top 50, publicly traded, U.S. bank holding company

•

$24 billion in assets; largest bank headquartered in Wisconsin

•

239 branches serving approximately one million customers

•

150-year history in Wisconsin

About Associated

WI

MN

IL

U.S.

Unemployment Rate³

6.8%

5.2%

9.2%

7.6%

ASBC Deposits

5

($ in billions)

$11.6

$1.5

$4.0

$17.1

3

2013 SECOND QUARTER HIGHLIGHTS AND OUTLOOK

•

Net income of $47 mm

•

ROT1CE of 9.9%, compared to

9.3% for Q2 2012

•

Average loans of $15.7 bn, up

2% QoQ

•

Net interest income  of $160

mm, up 2% QoQ

•

Repurchased $30 mm of stock

•

Tier One Capital ratio of 11.48%

4

Second Quarter 2013 Highlights:

Outlook –

Growing the

Franchise & Creating Long-

Term Shareholder Value

•

Continued focus on organic

growth opportunities

•

Defending NIM compression in

low-rate environment

•

Strong focus on efficiency &

expense management

•

Disciplined focus on deploying

capital to drive long-term

shareholder value

LOAN PORTFOLIO GROWTH AND COMPOSITION

5

Average Loans of $15.7 billion for Second Quarter 2013

2Q

2013

Average

Net

Loan

Growth

of

$280

million

Loan Mix –

2Q 2013 (Average)

($ balances in millions)

Average Quarterly Loans ($ in billions)

REBUILDING COMMERCIAL & BUSINESS LENDING

6

($ in billions)

Commercial & Business Lending Loans

•

Restored C&I lending efforts over the past two years

•

Currently above previous C&B loan peak of $5.8b in

Q1 2008.

($ in billions)

•

Refocused CRE efforts to emphasize in-footprint &

lower risk asset classes

•

Added CRE teams in Michigan, Indiana, and Ohio in

2012 to provide better regional diversification to the

portfolio

Commercial Real Estate Lending Loans

STRONG MORTGAGE BANKING BUSINESS

7

Mortgage and HE First Liens  Loan Portfolio

($ in billions)

Net Mortgage Banking Revenues & Originations Sold

($ in millions)

•

Associated remains the #1

mortgage lender in Wisconsin

(by units & dollar volume)

•

Retaining primarily hybrid

ARMs on balance sheet as

well as ~$1.3 billion of 15-year

fixed product

•

Selling substantially all 30-

year production

2Q Portfolio Mix ($4.4 bn)

RESHAPING

THE

LOAN

PORTFOLIO

COMPOSITION

8

•

Goal:  A balanced

portfolio between

Commercial & Business,

Commercial Real

Estate, and Retail

•

Reduced Construction

exposure by ~ 70% from

2008

•

Home Equity run off as

more consumers

refinance into fixed rate

mortgages

1

Based on Average Balances

Installment

Home Equity

Residential

Mortgage &

HE 1    Liens

Construction

CRE

Investor

Commercial &

Business

Lending

1

st

BRANCH STRATEGY

9

Refine

Footprint

•

Footprint Project –

60%

complete.  Began in 2011.

Rationalize

Footprint

Deposits & Customer Funding

($ in billions)

Retain

Relationships

Reinvigorate

Model

Deposit Automation ATM

Transaction Express

Financial Outlet

Video Teller

Lower Cost Branch Concepts

•

Leverage technology solutions for

service.

•

Consolidated 24% of

branches since 2007.

•

Grow deposits

PURSUING EFFICIENCY GAINS

10

Real Estate Initiatives:

Back Office Initiatives:

Project Pathway Benefits:

Customer

Relationship

Reporting &

Analytics

Workflow

Management

Time to

Market

Audit Trail

Data Quality

Automation

Compliance

Enforcement

Colleague

Engagement

•

Actions to optimize our real estate

holdings and capacity

•

2013 –

Consolidated Corporate

offices in Green Bay (6 buildings)

and Chicago (3 buildings)

•

Implementing technology solutions

in labor intensive processes

•

2013 -

Commercial loan system

with end to end processing

GROWING NET INTEREST INCOME WHILE MARGIN

COMPRESSES

11

Yield on Interest-earning Assets

Cost of Interest-bearing Liabilities

Net Interest Income & Net Interest Margin

($ in millions)

CAPITAL MANAGEMENT PRIORITIES

12

Funding Organic

Growth

Paying a

Competitive

Dividend

Non-organic

Growth

Opportunities

Share Buybacks

and Redemptions

Priority

Highest

Lowest

2012

2013

•

Fund Loan Growth and other Capital Investments

•

Announced $125 mm

share repurchase program

•

Repurchased $30 million in

Q4 2012

•

Announced additional

$120 mm share

repurchase program

•

Repurchased $60 mm in

1H 2013

•

Increased quarterly

dividend to $0.08/share in

Q4 2012 (60% increase

from $0.05/ share)

•

Paid $0.08 /share in Q1

and Q2

•

Cost Take Out Provides Greater Value

•

Maintain Discipline in Pricing of Any Transaction

2013 SECOND HALF OUTLOOK

13

Loan Trends

•

Quarterly loan growth of 1 –

2%.

•

Continued disciplined loan

pricing

Deposit Trends

Fee Income

Expenses

NIM

Growing the Franchise & Creating Long-Term Shareholder Value

Footprint

Credit

Capital

•

Continued disciplined deposit

pricing

•

Sustained focus on treasury

management solutions to drive

growth in commercial deposits

•

Continued compression over

the second half of the year

•

Modest improvement in core fee-

based revenues with lower net

mortgage banking revenues

•

Flat year-over-year

•

Reduced regulatory costs offset by

continued franchise investments

•

Continuing to invest in our

branches while optimizing our

network

•

Complete Green Bay and Chicago

corporate office consolidations

•

Modest improvement in credit

trends

•

Provision expense to increase

based on quarterly loan growth

•

Disciplined focus on

deploying capital to drive

long-term shareholder value

•

$26 million of 9.25% sub-debt

redeemable in October

WHY ASSOCIATED

•

Leading Midwest Bank Operating in    

Attractive Markets

•

Core Organic Growth Opportunity

•

Disciplined Loan and Deposit Pricing & Stable

Margin

•

Committed to Efficiency Ratio Improvement

•

Improving Credit Quality

•

Strong Capital Profile & Opportunities for

Capital Deployment

•

Improving Earnings Profile

14

Net Income

Available to

Common

($ in millions)

Return on Tier 1

Common Equity

Reasons to Invest

Net Income Available to Common & ROT1CE

Management Team Focused on Creating

Long-Term Shareholder Value

APPENDIX

15

**********

**********

**********

**********

**********

**********

**********

**********

**********

**********

**********

CONTINUED IMPROVEMENT IN CREDIT QUALITY

INDICATORS

16

($ in millions)

2Q 2012

3Q 2012

4Q 2012

1Q 2013

2Q 2013

Potential problem loans

$     410

$     404

$     361

$     344

$     310

Nonaccruals

$     318

$     278

$     253

$     225

$     217

Provision for loan losses

$         0

$         0

$         3

$         4

$         4

Net charge offs

$       24

$       18

$       21

$       14

$       14

ALLL/Total loans

2.26%

2.11%

1.93%

1.84%

1.76%

ALLL/Nonaccruals

104.65%

113.29%

117.61%

127.27%

127.46%

NPA/Assets

1.62%

1.38%

1.23%

1.12%

1.04%

Nonaccruals/Loans

2.16%

1.86%

1.64%

1.45%

1.38%

NCOs / Avg Loans

0.65%

0.47%

0.55%

0.38%

0.35%

INVESTMENT SECURITIES PORTFOLIO

17

Type

Mkt Value

(000’s)

%of Total

0% RWA

$   468,264

9%

20% RWA

4,348,278

88%

50% RWA

25,585

1%

=>100% RWA

73,667

1%

Not subject to RW

10,023

1%

TOTAL

$4,925,817

100%

Risk –

Weighted Profile –

June 30, 2013

Investment Portfolio –

June 30, 2013

Credit Rating

($ in thousands)

Mkt Value

% of Total

Govt & Agency

$       4,037,284

82.0%

AAA

68,692

1.4%

AA

559,555

11.4%

A

249,565

5.1%

BAA1, BAA2 &

BAA3

---

0.0%

BA1 & Lower

2,534

0.1%

Non-rated

8,186

0.2%

Total

$4,925,817

100.0%

Portfolio Composition Ratings –

June 30, 2013

Market Value Composition –

June 30, 2013

Type

Bk Value

(000’s)

Mkt Value

(000’s)

TEY

(%)

Duration

(Yrs)

Govt &

Agencies

$     1,002

$     1,004

0.30

1.13

MBS

2,536,056

2,533,037

2.74

3.84

CMOs

1,068,119

1,075,432

2.57

2.45

Agency CMBS

446,807

431,252

1.89

3.95

Municipals

777,482

801,731

5.23

4.84

Corporates

84,095

83,316

1.59

1.07

Other

18

45

---

---

TOTAL HTM &

AFS

$4,913,578

$4,925,817

3.01

3.65

Risk –

weighted profile estimated as of  July 12,2013

CMOs

22%

MBS

51%

Municipals

16%

Agency CMBS

9%

Corporates

2%

All Other

97%

COMMERCIAL LOANS BY INDUSTRY

AS OF JUNE 30, 2013

18

CB&L Loans by Industry

1

Based on NAICS codes

($6.0 billion)

CRE Loans by Industry

($3.8 billion)

1

COMMERCIAL LOAN PORTFOLIOS BY GEOGRAPHY

AS OF JUNE 30, 2013

19

Commercial & Business Loans by State

CRE Loans by State

($6.0 billion)

($3.8 billion)

1

Includes Missouri, Indiana, Ohio, Michigan, & Iowa

CONSUMER LOAN PORTFOLIOS BY GEOGRAPHY

AS OF JUNE 30, 2013

20

Residential Mortgage Loans by State

Home Equity Loans by State

Approximately half of home equity

portfolio is in first-lien position

($3.5 billion)

($2.0 billion)

1

Includes Missouri, Indiana, Ohio, Michigan, & Iowa