BOK Financial Corporation · NASDAQ:BOKF
BOK Financial — Investor Presentation (November 2026)
24 slides from BOK Financial's investor presentation, Nov 6, 2026
Slide 1: November 2026 Investor Presentation
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic November 2026 Investor Presentation
Slide 2: Legal Disclaimers
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Legal Disclaimers 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expecta
Slide 3: Corporate Snapshot
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic NASDAQ: BOKF BROKER/DEALER & INDEPENDENT ADVISORY SERVICES CONSUMER, COMMERCIAL & MORTGAGE BANKING BOK Financial Corporation BOK Financial Asset Management BOK Private Wealth Cavanal Hill BOK Financial ® Bank of Texas
Slide 4: Core Strategy
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Core Strategy Build a bank with diverse revenues that can compete upstream and outperform peers across varying economic cycles. *Chart data based on Bloomberg EPS data for BOKF and KRX index members as of 2025. Chart
Slide 5: Diversified Loan Portfolio
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Diversified Loan Portfolio Disciplined concentration management, diversified by sector & geography Loan Segmentation Collateral Location as of 9/30/2026 as of 9/30/2026 Commercial real estate Healthcare Loans to indiv
Slide 6: Diversified Loan Portfolio: Portfolio Composition
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Diversified Loan Portfolio Portfolio Composition as of 9/30/2026 76% 15% 7% Oil & Gas Producers Oil & Gas Midstream Services 13% 9% 78% Hospital Medical Services Senior Housing 41% 23% 14% 12% 2% 8% Multifamily Indust
Slide 7: Strong Core Deposit Franchise
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Dec '23 Dec '24 Dec '25 Sep '26 $— $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 Strong Core Deposit Franchise Deposit Mix & Cost ($Million) Deposit Mix by Geography 4% 50% 8% 4% 6% 27% Demand
Slide 8: Peer-leading Fee Income and Steady Profitability
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Peer-leading Fee Income and Steady Profitability Summary On average, 35%-40% of total revenues come from a diverse set of well-established fee income businesses, a differentiator compared to other midsized regional ba
Slide 9: Wealth Management
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Wealth Management Primary Lines of Business • Private Wealth / Asset Management - Banking and investment management, trust and estate administration, and Cavanal Hill family of funds • Institutional Wealth - Retiremen
Slide 10: Wealth Management Awards, Recognition, and Rankings
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Wealth Management Awards, Recognition, and Rankings • Retirement Plan Services recognized as a top five provider and recipient of six "Best in Class" awards in 2023 • Eighth largest corporate trustee bank by number of
Slide 11: Transaction Processing
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Transaction Processing CAGR: 4.3% CAGR: 3.8% Debit Processing & ATM Network • Operates nationally • More than 75% of clients are outside of Oklahoma • Clients: Banks, Credit Unions and C-store chains • 830+ million EF
Slide 12: Q3 Financial Highlights
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Q3 Financial Highlights * Non-GAAP measure Attributable to shareholders Per share (diluted) Net Income • Net income was $159.9 million, or $2.64 per diluted share, compared to $176.5 million, or $2.92 per diluted shar
Slide 13: Additional Details
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Additional Details 13 ◦ Period end loan balances increased $646 million, with broad-based growth across our portfolio and geographic footprint. Average loan balances grew $468 million ◦ Average deposits grew $304 mill
Slide 14: Loan Portfolio
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Loan Portfolio • Total Commercial loans grew $358 million or 2.2% sequentially, led by growth in the energy and mortgage finance portfolios • Combined Services & General Business (Core C&I) balances increased $15 mill
Slide 15: Credit Quality Metrics
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Quality Metrics • Credit quality continues to be strong with nonperforming assets, excluding loans guaranteed by U.S. government agencies, totaling $58 million or 0.21% of outstanding loans and repossessed asse
Slide 16: Credit Resilience
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Resilience Disciplined Credit Concentration • CRE limit on total committed balances is 185% of tier one capital plus reserves • Office CRE outstandings only comprise 3% of total loans 16 100 year history in ene
Slide 17: Yields, Rate & Margin
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Yields, Rate & Margin Net Interest Income • Net interest income grew $18.1 million linked quarter while core net interest income, excluding trading, increased $15.1 million* Net Interest Margin • 9 basis point NIM inc
Slide 18: Fee Income - Markets & Securities
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Markets & Securities Trading Fees • Total Trading revenue, which includes trading related net interest income, decreased $10.0 million to $15.0 million. Trading fee income decreased, reflecting reduced fi
Slide 19: Fee Income - Asset Management & Transactions
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Asset Management & Transactions • Fiduciary and asset management revenue decreased $1.1 million. The second quarter included seasonal tax preparation fees of approximately $1.7 million. Excluding these fe
Slide 20: Expenses
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Expenses • Personnel expenses were relatively consistent with the prior quarter. Deferred compensation costs, which are offset in Other gains and losses, decreased $7.4 million. Excluding deferred compensation, person
Slide 21: 2026 Full Year Outlook
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 2026 Full Year Outlook 21 Bold represents changes compared to the prior quarter. *Refer to Slide #2 regarding forward looking statements, expectations above assume no change to economic environment. **Non-GAAP measure
Slide 22: Securities and Interest Rate Risk Position
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Securities and Interest Rate Risk Position Interest Rate Risk • Approximately 77% of the total loan portfolio is variable rate or fixed rate that reprice within a year • Approximately 85% of Commercial and Commercial
Slide 23: Liquidity & Capital
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Liquidity & Capital * Non-GAAP measure ** Uninsured and non-collateralized deposits excludes intra-bank deposits Liquidity • Period end deposit balances decreased $324 million this quarter • Uninsured and non-collater
Slide 24: ar y br an
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic
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