EXHIBIT 23 TO FORM 10-K UMB FINANCIAL CORPORATION INDEPENDENT AUDITOR'S CONSENT We consent to the incorporation by reference in the Registration Statement No. 33-58312 on Form S-8 of UMB Financial Corporation and Subsidiaries of our report dated January 21, 1999, included in this Annual Report on Form 10-K of UMB Financial Corporation and Subsidiaries for the year ended December 31, 1998. /s/ DELOITTE & TOUCHE LLP Kansas City, Missouri March 29, 1999