BOK Financial : BOKF Investor Presentation

Investor Presentation

NASDAQ: BOKF

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Legal Disclaimers

Forward-LookingStatements: 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, the economy generally and the expected or potential impact of the novel coronavirus (COVID-19) pandemic, and the related responses of the government, consumers, and others, on our business, financial condition and results of operations. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "plans," "projects," "will," "intends," 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, allowance for uncertain tax positions, accruals for loss contingencies and valuation of mortgage servicing rights involve judgments as to expected events and are inherently forward-looking statements. Assessments that acquisitions and 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 BOK Financial has not independently verified. These various forward-looking 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 expected, implied or forecasted in such forward-looking statements. Internal and external factors that might cause such a difference include, but are not limited to changes in government, consumer or business responses to, and ability to treat or prevent further outbreak of, the COVID-19 pandemic, changes in commodity prices, interest rates and interest rate relationships, inflation, demand for products and services, the degree of competition by traditional and nontraditional competitors, changes in banking regulations, tax laws, prices, levies and assessments, the impact of technological advances, and trends in customer behavior as well as their ability to repay loans.

For a discussion of risk factors that may cause actual results to differ from expectations, please refer to BOK Financial Corporation's most recent annual and quarterly reports. 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-GAAPFinancial 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.

All data is presented as of September 30, 2020 unless otherwise noted.

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NASDAQ: BOKF

• Top 30 national/regional bank*
• Midwest/Southwest franchise with 118 full service locations across eight states
• Seasoned management team
• Proven ability to deliver organic growth
• Consistent execution
• Consistent strategy
• Long-termfocused

	September 30, 2020
Assets	$46	billion
Loans	$24	billion
Deposits	$35	billion
Fiduciary Assets	$53	billion
Assets Under Management & Custody	$82	billion

* Total assets at 09/30/2020	3

Core Strategy

Build a recession-ready bank that will outperform peers across

the economic cycle

$550,000

$500,000 $450,000 $400,000

Earnings Per Share CAGR across 28 year history of BOKF is 9.0%

$350,000 $300,000 $250,000 $200,000 $150,000 $100,000

$50,000 $0

"There is no principle more emphasized in our organization than managing for long-term value rather than short-term results."

- George Kaiser, Chairman

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