BOK Financial 8K Regulation FD Disclosure | BOKF 21 Sep 11

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Investor Day

September 21, 2011

Legal Notice Forward-Looking Statements: This presentation contains forward-looking statements that are based on management’s beliefs, assumptions, current expectations, estimates, and projections about BOK Financial Corporation, the financial services industry, and the economy generally. Words such as “anticipates”, “believes”, “estimates”, “expects”, “forecasts”, “plans”, “projects”, variations of such words, and similar expressions are intended to identify such forward-looking statements. Management judgments relating to, and discussion of the provision and allowance for credit losses involve judgments as to future events and are inherently forward-looking statements. Assessments that BOK Financial’s acquisitions and other growth endeavors will be profitable are necessary statements of belief as to the outcome of future events, based in part on information provided by others which BOKF has not independently verified. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what is expressed, implied or forecasted in such forward-looking statements. Internal and external factors that might cause such a difference include, but are not limited to, (1) the ability to fully realize expected cost savings from mergers within the expected time frames, (2) the ability of other companies on which BOKF relies to provide goods and services in a timely and accurate manner, (3) changes in interest rates and interest rate relationships, (4) demand for products and services, (5) the degree of competition by traditional and non-traditional competitors, (6) changes in banking regulations, tax laws, prices, levies, and assessments, (7) the impact of technological advances, and (8) trends in customer behavior as well as their ability to repay loans. BOK Financial Corporation and its affiliates undertake no obligation to update, amend, or clarify forward-looking statements, whether as a result of new information, future events, or otherwise. Non-GAAP Financial Measures: This presentation may refer to non-GAAP financial measures. Additional information on these financial measures is available in BOK Financial’s 10-Q and 10-K filings with the Securities and Exchange Commission which can be accessed at www.BOKF.com.

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Agenda

4 7:30 - 8:00 a.m. Continental breakfast - Hilton Park Cities, Beverly Ballroom A

4 8:00 - 8:20 a.m. Welcome and Corporate Strategy - Stan Lybarger, President & CEO

4 8:20 - 8:40 a.m. Financial Overview and Current Trends - Steven Nell, CFO

4 8:40 - 8:55 a.m. Asset / Liability Management - Marty Grunst, Treasurer

4 8:55 - 9:20 a.m. Commercial Banking - Dan Ellinor, SEVP

4 9:20 - 9:30 a.m. Break

4 9:30 - 9:45 a.m. Credit Administration & Asset Quality - Stacy Kymes, EVP Credit

4 9:45 - 10:00 a.m. Operations & Technology - Don Parker, Chief Information Officer

4 10:00 - 10:25 a.m. Consumer Banking & Wealth Management - Steve Bradshaw, SEVP

4 10:25 - 10:40 a.m. Mortgage Banking - Ben Cowen, President, BOK Financial Mortgage

4 10:40 - 11:00 a.m. Wealth Management - Scott Grauer, EVP Wealth Management

4 11:00 - 11:25 a.m. Texas Market Highlights - Norm Bagwell, CEO, Bank of Texas

4 11:25 - 11:45 a.m. Closing comments and Q&A - Steven Nell, CFO

Questions will be taken during the last 5 minutes of each session

Please refer to the final slide in this presentations for definitions and footnotes

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Welcome & Strategic Overview

Stan Lybarger

Chief Executive Officer

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Solid Foundation
Outperform Through Economic Cycles

Total Return as of 9/13/11

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Select Components of BOKF’s 2012 Strategic Focus

Position the organization to generate sustained revenue growth

1. Accelerate momentum in high quality, profitable loan growth

2. Continue to develop revenue initiatives to offset the financial impact of
regulatory reform and work toward increasing the fee revenue
contribution to 50% of total revenue

3. Continue to manage assets and liabilities so as to optimize earnings
while taking prudent levels of risk and building customer relationships

4. Manage expense growth in relation to revenue growth and work toward
reducing the efficiency ratio to below 60%

5. Deploy capital in ways that optimize shareholder value

6. Continue to expand sales teams and acquire talent

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

7 4,530 1

Bank Brands Employees Mission

Organizational Philosophy

ü Local decision making

ü Nationally competitive products

ü Superior personalized service

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

The Current
Environment

Dave Horsey, Seattle Post - Intelligencer

Risks to the fragile domestic economy

4 Potential Eurozone debt crisis

4 Political dysfunction

4 Natural disasters

4 Continuing regulatory reform

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Building on an Outstanding Past,
Positioned for an Excellent Future

4 Dominant position in Oklahoma; strong revenue
growth in markets outside Oklahoma

4 OOR in markets outside OK -16% 3 year CAGR

4 OOR in OK market - 6% 3 year CAGR

4 Proven core strategy

4 Diversified fee-based revenue contributed 43%
of total revenue versus peer median of 34%

4 High quality diversified loan portfolio

4 Solid capital and liquidity

4 Superior talent and service delivery

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Financial Overview and Current Trends

Steven Nell

Chief Financial Officer

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Current Trends: Revenue

• NIR and NIM have been pressured by the decline in loans and the declining yield on the securities
portfolio and are expected to remain under pressure

• C&I loan growth returned in 2011, increasing $400 million year to date; loan trends are expected to continue through 3Q

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Current Trends: Credit Quality & Expenses

• Net charge-offs have normalized to historic levels leading to a lower provision and allowance

• BOKF continually monitors expenses in relation to revenue; working to migrate the efficiency ratio below 60%

* Excludes changes in the fair value of MSRs

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Capital Deployment

4 Organic growth

4 Capacity to fund acquisitions
without additional debt or
equity

4 Dividends (increased quarterly
dividend 10% to $0.275 in
April 2011 - current yield
2.3%)

4 Stock repurchases: ~320,000
shares purchased YTD
through 9/19/11

Capital
Strong without TARP or Dilutive Stock Issuance

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

BOKF Markets

4Relationship Banking

4 Empowered local market
leadership

4 Efficient centralized back office

4 Personalized delivery of
sophisticated products

4M&A Opportunity

4 Seeking fill in opportunity for
branch network

4$1B - $2B in assets

4Begin at 15% IRR

4 Non-bank prospects include trust
companies, asset managers,
broker/dealers, etc.

4Organic Growth Opportunity

4 Resilient markets with attractive demographics

4Branch networks are in faster growing
metropolitan areas within states

4 Dominate deposit market share in OK

4 Significant market share opportunities outside OK

4Market disruption opportunities

4Compete successfully against large nationals

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Asset / Liability Management

Marty Grunst

Treasurer

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Investment Portfolio

4 Core portfolio size has remained
relatively steady over the last
several quarters

4 Portfolio yield is affected by
mortgage prepayment speeds as a
function of both actual and
anticipated prepayment levels

4 2011 industry experience indicates
a secular decline in prepayment
speed sensitivity

4 We expect this to reduce the
sensitivity of the portfolio yield
to declines in market interest
rates

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Net Interest Revenue & NIM

4 Growth of the securities portfolio
has supported NIR

4 BOKF’s NIR has grown at a 10%
CAGR over the past 10 years
compared to the peer median of
6%

4 AFS portfolio yield was 3.04% in
Q2 2010, whereas reinvestment
yields have recently fallen to the
2% area

4 Loan spreads have held relatively
steady through Q2 2011, however
there is evidence of increased
competitive pressure

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Deposits and Wholesale Funding

4 Recent deposit growth has
predominantly displaced short-term
wholesale funding sources

4 Demand Deposit growth has been
the primary driver of overall deposit
growth

4 The resulting improved funding mix
has lowered overall funding costs

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Funding Costs

4 Funding costs have declined
slowly and remained below peer
levels

4 Interest bearing transaction
account costs have declined
slowly but steadily over the last
several quarters

4 The rate increase in Other
Borrowings in 2Q was driven by
GNMA loans in the servicing
portfolio. As the loans move
through the resolution process,
the funding cost will fall from Q2
2011 levels

4 Changes in CD yields are
influenced by the maturity
distribution of new production

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

Dan Ellinor

Senior Executive Vice President

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

71%

68%

32%

29%

COMMERCIAL BANKING REVENUE

4 Net interest revenue has been pressured by
declining loan balances, but loan fees
remain strong

4 TransFund is one of the top 10 EFT
networks in the nation

4 More than 1,900 ATMs

4 TF clients in a 16 state area

4 Growing merchant services business

4 Other fee based revenues include treasury
and cash management services,
international and customer risk management

4 Service charge revenue flattening due to
excess deposit balances

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

LOAN PORTFOLIO

4 Exit of Indirect portfolio and reduction in energy
line usage have contributed $1 billion in
shrinkage since 2008

4 Diversified portfolio by sector and geography

4 Key concentrations remain energy & the
general services sector

4 Significant spread improvement since 2008;
currently pressured due to increased
competition

DEPOSIT PORTFOLIO

4 At June 30, DD represented 44% of commercial
deposits

4 Commercial deposits have grown nearly $2
billion in the last year

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

COMMERCIAL LOAN PORTFOLIO

Since December 2010

4 Second consecutive quarter of C&I growth

4 Growth in Corporate Banking, including
services, wholesale/retail and
healthcare

4 Energy very choppy

4 Flat results in CRE:

4 Growth in retail and other CRE

4 Continued decline in C&D

4 Growth occurring in most markets as economy
shows modest growth in the region

4 BOKF’s responsive customer focused
approach continues to grow our market share

(in millions)	June 2011 Average	2011 Change
Markets:
Oklahoma	$3,113.2	$(27.0)
Texas	$2,953.3	$169.4
Colorado	$ 643.8	$ 37.1
New Mexico	$ 570.3	$ 9.6
Arizona	$ 462.9	$ 42.1
Kansas City	$ 320.2	$ 5.5
Arkansas	$ 210.3	$( 8.5)
Total	$8,274.0	$228.2
Lines of Business
Corporate Banking	$ 3,769.9	$ 303.8
Real Estate	$ 1,558.9	$ 1.1
Energy	$ 1,533.0	$ 10.6
Business Banking	$ 818.3	$( 29.1)
Workout & Other	$ 300.8	$( 73.0)
Agribusiness	$ 198.3	$( 0.3)
Leasing	$ 94.8	$ 15.1
Total	$8,274.0	$228.2

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

4 BOKF benefiting from economic strength of
our region

4 Growth remains diversified and with solid
credit metrics

4 Additions to corporate banking team in
lead markets is paying off

(in millions)	June 2011	2011 Change
Markets:
Oklahoma	$1,514.6	$127.1
Texas	$1,394.8	$128.0
Colorado	$ 263.3	$ 27.7
New Mexico	$ 208.3	$( 1.6)
Arkansas	$ 193.4	$ 12.9
Arizona	$ 144.9	$ 16.8
Kansas City	$ 50.6	$( 7.1)
Total	$3,769.9	$303.8

CORPORATE BANKING LOAN GROWTH

Since December 2010

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

CRE PORTFOLIO

4 CRE represented 20% of total loans
as of June 30

4 Quarterly CRE concentration
reporting

4 Current focus on income-producing
properties

4 Talent acquisitions through the cycle

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

ENERGY PORTFOLIO

4 50-60% loan to value

4 49% of committed production loans
secured by oil

4 Line usage at June 30 was 44% - well
below historical rates of 55-60%

4 Energy production portfolio has been one
of the best performing portfolios for the
last 20+ years

4 Sensitivity analysis performed for each
credit - currently using a base of $55/bbl
for oil and $3/mcf for gas - as well as semi
-annual stress tests

4 Petroleum engineers on staff

Commercial Banking

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Commercial Banking

OTHER NICHE BUSINESS LINES

4Niche lines have a defined growth strategy
covering BOKF footprint and neighboring states

4HealthCare includes three main types of lending
- senior housing, hospitals and medical services

4BOKF operates three specialty lines—leasing,
heavy equipment, and agribusiness

4 Leasing serves as a companion strategy
to core C&I client base

4 Heavy Equipment is focused on top tier
equipment dealers

4 Agribusiness is focused on grain, protein
and food processing

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

New Mexico Market

Growth Strategies:

4 Gain momentum in high quality loan growth

4 Capitalize on fee based capabilities and grow base

4 Leverage strengths of BOKF amongst market
disruption

Key Competitive Strengths:

4 Well established brand and market position

4 Diversified revenue base

4 Top tier talent and leadership

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Arizona Market

Key Competitive Strengths:

4Financial strength of BOKF

4Top tier talent and leadership

4Corporate banking capabilities

Growth Strategies:

4 Maintain momentum in high quality loan growth

4 Penetrate relationships with fee based product
offering

4 Increase brand strength & awareness

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Arkansas Market

Key Competitive Strengths:

4Longevity and stability within market

4Top Tier talent and leadership

4Financial strength of BOKF

Growth Strategies:

4 Build C&I portfolio alongside CRE book

4 Increase cross sales activities

4 Pursue Little Rock expansion

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Break

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Credit Administration & Asset Quality

Stacy Kymes

Executive Vice President, Credit

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Authority	Approval Amount
Independent Credit Concurrence Officer	Beginning at $7.5MM
Senior Loan Committee	> $25MM
Credit Committee	> $35MM
Board of Directors	> $50MM

Credit Administration

Approval Process

4 Individual authority assigned to RMs and
DMs commensurate with ability,
experience and the needs of their group

4 2 lending signatures required on loans
underwritten by com’l and private bank
RMs (2nd signer must be senior)

Loan Policy

4 Supplemental industry policies

4 Only minor refinements to underwriting
criteria through cycle

4 Underwriting criteria specific to property
type on CRE lending

Centralized Loan Review Team

4Experienced well-respected team

4Final authority on loan grades

4Performs ad hoc reviews

4Reports to the Credit Committee quarterly

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

$10.7 Billion Loan Portfolio
Diversified by Sector and Geography

Consistent Portfolio Mix

C&I 58%

CRE 20%

Resi 17%

Consumer 5%

Regional Diversity

OK 45%

TX 29%

NM 7%

CO 7%

AZ 5%

KS/MO 4%

AR 3%

Note: Based on outstanding loans at 6/30/11

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Concentration Management

ü Applied to significant lending businesses - Energy, Healthcare & Commercial Real
Estate

ü Centrally monitored and managed

ü Limits established annually and reviewed quarterly

Commercial Real Estate:

Regulatory Guideline: 300% of T1 capital + ACL

BOKF Guideline: 125% of T1 capital + ACL

• Sublimits by property type, state and tenant
exposure

CRE commitments at 6/30 = 103% of T1 cap + ACL

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Concentration Management Continued

Healthcare:

BOKF Guidelines:

Senior Housing: 25% of T1 capital + ACL

Commitments at June 30 = 21%

Hospitals: 20% of T1 capital + ACL

Commitments at June 30 = 13%

Energy:

BOKF Guidelines:

E&P: 130% of T1 capital + ACL

Commitments at June 30 = 118%

Non E&P: 50% of T1 capital + ACL

Commitments at June 30 = 36%

Total Energy: 180% of T1 capital + ACL

Commitments at June 30 = 154%

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Net Losses By Loan Type* In Basis Points	10 Yr Ave	YTD Annl’d
Com’l	37	6
CRE	55	86
Resi	30	54
Consumer	150	84

* Calculated by taking NCOs by type/ average loans outstanding by type

NCOs/Ave
Loans

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Allowance Analysis

ü If positive credit trends continue without an acceleration in loan growth, we anticipate
reserve release to continue through lower provisioning

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Operations & Technology

Don Parker

Chief Information Officer

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

The Back Office Strategy

4Enable the execution of the core BOKF strategy,
having sophisticated products delivered with a
community bank customer experience.

4Consider every back office function to be competing
with the like function at other banks.

4Every manager is expected to benchmark their unit
against the competition and deliver a competitive
advantage.

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

The Back Office as an Engine for
Reducing Cost

4Image Technology

4Process Engineering

4Expert Sourcing

4Functional Consolidation

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

BOKF Technology Positioning

4A Differentiated Governance Process

4Recent Investments

4Delivery System Automation

- Teller

4Short Term Line of Credit

4Mobile Banking

4Charter Consolidation

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

BOKF Technology Positioning

4Product Enhancements

4Mobile Banking

4ATM Image Deposit

4Corporate Front End System

4Internal Capability

4Delivery System Automation - Sales & Service

4Credit Data Warehouse

4Mortgage Origination

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Consumer Banking & Wealth
Management

Steve Bradshaw

Senior Executive Vice President

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Consumer Banking1

Growth Strategies:

• Self service and the underbanked

• Product pricing

• Branch delivery

Current Trends:

• Deposit mix shift

• Loan growth

• Volatile fee revenue

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management

Current Trends:

• Client advisor growth

• Opportunistic expansion

• Strong investment performance

Strategic Priorities:

• Leverage investment results

• Expanding retail channel

• Global banking focus

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Banking

Current Trends:

• Growing origination capacity

• Widening margins

• Avoiding headline risks

Strategic Priorities:

• Expanding revenue channels

• Building leadership strength

• Managing repurchase risk

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Business Banking

Current Trends:

• Launched Business Experts

• Significant deposit growth

• Loan runoff continuing

Strategic Priorities:

• Talent additions / upgrades

• Balanced sales focus

• Service channel integration

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Colorado Market

Growth Strategies:

• Targeting high net worth growth

• Expand Business Banking

• Fee business growth

Current Trends:

• C&I / Energy loan growth

• Leadership transition / staffing additions

• Expanding Wealth Management lines

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Kansas City Market

Current Trends:

• Highly integrated sales culture

• Fee revenue dominant

• Lack retail delivery

Strategic Priorities:

• Building commercial loan staff

• Retail delivery acquisition

• Opportunistic CRE growth

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Treasury / International

Current Trends:

• Strong DDA Growth

• Business line marketing focus

• Diversifying international revenue sources

Strategic Priorities:

• Leveraging technology investments

• Marketing to non-borrowers

• Growing international revenues

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Regulatory Reform

4 Key Areas

4 Reg E

4 Interchange

4 Mortgage reform

4 Other: derivatives “push out”, commercial checking interest, CFPB compliance, state
law pre-emption

4 Company Wide Revenue Initiatives to be implemented through 2013

4 Fee enhancements

4 New fees

4 Product enhancement/expansion

4 New business opportunities

We believe that during 2012, we will fully replace the revenues lost in our run rate from

Reg E & Durbin (~ $45 million annually)

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Banking

Ben Cowen

President, BOK Mortgage

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Banking Industry

4 Consolidating market and fewer competitors

4 Barrier to entry is increasing

4 Regulatory requirements and lender risk on the rise

4 Loan volumes are projected to be flat to decreasing over
the long term

4 Purchasers of Servicing most likely to change

4 Credit has tightened and 2009+ vintage performing at pre-
crisis levels

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Division-Production Growth

4 Have improved production leadership outside of Oklahoma since 2008

4 Strengthened loan officer value proposition

4 Strong growth in number of loan officers

4 Expanding with new loan production offices

4 New Correspondent Lending channel in 2011

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Banking - Servicing

4Servicing
continues to
grow

4Loan
performance
better than
average

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Banking -
Risk Management

4 BOKF has low levels
of loan repurchases

4 BOKF remains
focused on loan
quality and process
controls

MSR Hedging Strategy:

4 Objective is to reduce
volatility in income

4 Protect the expected
rate of return from
Mortgage Operations

4 Maintain a coverage
to protect against near
term rate changes
with a bias for long
term trends

4 Have hired talent and
upgraded hedge
system

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Mortgage Summary

4 Continued opportunity to profitably grow the mortgage
business

4 Continued focus on managing loan quality and risk is
critical

4 BOKF Mortgage delinquencies are lower than average

4 MSR asset hedge strategy in place

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management

Scott Grauer

Executive Vice President, Wealth Management

President & CEO, BOSC, Inc.

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management History

4 Bank founded in 1910

4 Trust Division established in 1918

4 Investment Management services added in 1949

4 Brokerage firm launched in 1991

4 Wealth Management division of BOK Financial
boasts roughly 750 employees

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management Business Lines

• BOSC

• Retail Brokerage

• Institutional Brokerage

• Financial Risk Management

• Investment Banking

• The Private Bank

• Lending

• Personal Trust

• Investment Management

• Mineral & Real Property Management

• Tax Preparation

• Institutional Wealth Management

• Retirement & Institutional Plan Services

• Corporate Trust Services

• Investment Consulting

• Investment Management

• Cavanal Hill (Mutual Funds and Separate Accounts)

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management Current Revenue
Initiatives

BOSC

4Expansion of retail & institutional sales through key hires and strategic
product distribution

4Sales efforts around newly implemented FX portal

4Enhance and focus on Corporate Finance/Commercial Integration

4Further build-out and integration of Client Advisor role

The Private Bank

4Ensure competitive pricing on existing clients

4Austin market expansion

4Enhance sales and service to Investment Management clients and
expand Client Advisor delivery

4Build-out of fee-based financial planning for UHNW clients

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Institutional Wealth Management

4Talent additions in Denver market

4Focused sales efforts around investment consulting

4Expansion of Corporate Trust services

4Acquisitions / partnerships with RIAs that manage institutional clients

Cavanal Hill

4Reopen high yield mortgage investment strategy

4Continued focus and distribution of Opportunistic Strategy

4Develop high yield tax exempt strategy

Wealth Management Current Revenue
Initiatives Continued

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management
Competitive Advantages / Differentiators

4 Integrated approach to client service delivery across all
Wealth Management Lines of Business

4 Proprietary funds offering

4 Scalable sales & service delivery model

4 Client Advisor role

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Wealth Management
Recent Talent Acquisition

4Expansion into Milwaukee market

4Municipal research team

4The Private Bank Team in KC

4Corporate trust teams in Texas & Nebraska

4Investment Banking

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Texas Market Highlights

Norm Bagwell

CEO, Bank of Texas

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Texas Market Development

• Acquisition and Development (1997-2002)

• Eight charters acquired (seven from 1997 - 2002)

• Combination of disparate operations

• Characterized by a decentralized operating model

• Assimilation and Cultural Redefinition (2003 - 2008)

• Management structure and teams were defined

• Revenue growth dependent on loans and deposits

• Evolution from a community bank to a regional bank

• Strategic Refocus (2008 - 2011)

• Talent acquisition focused on market build and revenue diversification

• Heavy investment in fee-based businesses

• Institutionalize “Team Based Delivery” positioning Bank of Texas to deliver the entirety of
BOKF to the Texas Market

Evolution of Bank of Texas

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Management
Team

TEXAS

Norm Bagwell

CEO

Bank of TX

Dallas

CEO - Bank of Texas

President-

Bank of Texas

Park Cities

Senior Chairman

Chairman

Fort Worth

CEO

President

Texas Market
Advisory Board

Houston

CEO

President

Houston Market
Advisory Board

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Bank of Texas 2011 Initiatives

4 Deliver 4% growth in NDO for Texas Market

4 Continued Improvement in Credit Quality

4 Produce Net Asset Generation driven by Loan and Lease growth

4 Increase Other Operating Revenue targeting fee generating businesses

4 Charter Consolidation

4 Mortgage Expansion In Texas

4 Fort Worth Strategic Plan

4 BOKF Leasing Plan

4 Transition and Rebuild Business Banking segment in Texas

4 Turnaround in Treasury Management Services

4 Drive Organic Growth through Market Coverage and New Client Acquisition

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

• Year-to-date “net direct operating”
earnings of $54.1 million, up 8% over
the same period of 2010

• Net interest revenue of $68.8 million,
up 4% over the same period of 2010

• Fees and commissions revenue totaled
$31 million, up 6% over the same
period of 2010

• Operating expenses of $45.7 million
were up only 1% over the same period
of 2010

• Total deposits of $4.3 billion increased
14% over the same period of 2010

• Outstanding loan balances of $3.5
billion as of June 30th were up 3%
compared to the June 30th of 2010

Net Direct Operations ($000s)

Texas Market

June Year-to-Date 2011

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Texas Market Net Direct Operating Income

$000s	2010 June YTD	2011 June YTD	Growth
Commercial Banking	37,273	42,899	5,626	15.1%
BOSC (Brokerage)	1,143	2,189	1,047	91.6%
Trust	1,427	1,907	481	33.7%
Private Bank Banking	2,160	2,270	110	5.1%
Consumer Banking	6,724	3,880	(2,844)	(42%)
BOMC (Mortgage)	1,477	975	(502)	(34%)
TEXAS MARKET	50,203	54,161	3,958	7.9%

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

42004 - 2010 CAGR 9%

Largest Segments are

4Corporate - 29%

4Energy - 16%

4Real Estate - 15%

4Business Banking - 8%

4Consumer & Wealth - 15%

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Texas Market Loan
Growth & Distribution

4June 30, 2011 Loan
Volume

4Dallas - 53%

4Houston - 35%

4Fort Worth - 12%

Dallas -
$1.8
Billion

Houston -
$1.2 Billion

Fort Worth -
$400 Million

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

42004 - 2010 CAGR 10%

4Deposit Mix improved with focus
on lower cost deposits and DDA

4Demand Deposits have grown at a
CAGR of 13.4% from $623M in
2004 to ~$1.33 Billion in 2010

4BOKF / Bank of Texas became a
trusted repository for companies
seeking a stable financial institution

4BOKF / Bank of Texas has been
successful in reducing its cost of
deposits in line with lower Fed
Funds and LIBOR rates

10.3%
Compound
Annual
Growth

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Texas Market Fee Based Revenue

42004 - 2010 CAGR of 11%

4 Brokerage & Investment Banking Revenues have a CAGR of 18%

4 Transaction Card Revenues have a CAGR of 24%

4 Trust Fees & Commissions have a CAGR of 7%

4 Service Charge Revenues have a CAGR of 5%

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

TX Diversification of
Fee Based Revenue

42004 - 2010 CAGR of 11%

4Diversification of Fee Revenues
has been a priority

4Acquired banks depended on
service charge revenues to a large
degree

4In the BOKF model, bankers
focus on “selling the whole bank”

4The partnership between bankers
and fee revenue product partners
is a key component of this initiative

	2004	June 2011
Service Charges	45%	28%
Brokerage/ Inv. Bkg.	15%	21%
Trust Fees	18%	19%
Transaction Card	8%	17%
Letter of Credit Related	5%	6%
Mortgage	4%	5%
Other	5%	4%

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Dallas/Fort Worth

4Key Metrics

4 31 Locations (20 Dallas / 11 Ft. Worth area)

4 Deposit Market Share of 1.59% (up from 1.52% in 2009)

4 $2.4 Billion in BOKF deposits

4 Rank: 8th

Population (2010 Census)

4 Economic activity is steady

4 Momentum in CRE, Energy,
Commercial and Fee Services

4 Strong talent pool for BOKF to access

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Houston

4Key Metrics

4 15 Locations (concentrated on West side)

4 Deposit Market Share of 1.14% (up from
1.09% in 2009)

4 $1.4 Billion in BOKF deposits

4 Rank: 12th

Population (2010 Census)

4 Strongest economy in Texas

4 Solid activity in CRE, Energy and
Commercial

4 Port and energy sectors active

4 Fragmented banking market

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Building on an Outstanding Past,
Positioned for an Excellent Future

BOK Financial Corporation. Member FDIC. Equal Housing Lender.

Services provided by BOKF, NA doing business as Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust.

Footnotes & Definitions

4Consumer Banking1 for this presentation excludes mortgage, business
banking and indirect auto lending.

4Net direct operating income is a non-GAAP performance measure that
includes only: NIR+OOR-direct exp (personnel +non-personnel). It does not
include provision for credit losses, net charge-offs, indirect allocations,
securities gains/losses, OREO gains/losses, or MSR/hedge gains/losses.

4Peers are defined as a group of 20 banks, 10 immediately smaller and 10
immediately larger in terms of total assets at year end. For purposes of the
allowance analysis, the peer groups were redefined annually.

* Loan balances in this chart exclude CRE, Energy and Special Assets

^ Loan balances in this chart exclude Integrated Food Services

BOK Financial (BOKF) 8-KRegulation FD Disclosure