Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 7

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 7
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, including as a result of actions by central banks or 
 supranational authorities;                                                                                   |

| • |     | the pace and magnitude of interest rate movements; |

| • |     | changes in accounting standards or policies; |

| • |     | shifts in investor sentiment or behavior in the securities, capital, or other financial markets, including 
 changes in market liquidity or volatility or changes in interest or currency rates;                        |

| • |     | changes in spending, borrowing, or saving by businesses or households; |

| • |     | our ability to effectively manage capital or liquidity or to effectively attract or deploy deposits; |

| • |     | changes in any credit rating assigned to the Company or our affiliates; |

| • |     | adverse publicity or other reputational harm to us; |

| • |     | changes in our corporate strategies, the composition of its assets, or the way in which it funds those assets; |

| • |     | our ability to develop, maintain, or market products or services or to absorb unanticipated costs or liabilities 
 associated with those products or services;                                                                      |

| • |     | our ability to innovate to anticipate the needs of current or future customers, to successfully compete in its                                        
 chosen business lines, to increase or hold market share in changing competitive environments, or to deal with pricing or other competitive pressures; |

| • |     | changes in the credit, liquidity, or other condition of our customers, counterparties, or competitors; |

| • |     | our ability to effectively deal with economic, business, or market slowdowns or disruptions; |

4

| • |     | judicial, regulatory, or administrative investigations, proceedings, disputes, or rulings that create uncertainty 
 for, or are adverse to, us or the financial-services industry;                                                    |

| • |     | our ability to address changing or stricter regulatory or other governmental supervision or requirements; |

| • |     | our ability to maintain secure and functional financial, accounting, technology, data processing, or other 
 operating systems or facilities, including its capacity to withstand cyber-attacks;                        |

| • |     | the adequacy of our corporate governance, risk-management framework, compliance programs, or internal controls,                       
 including its ability to control lapses or deficiencies in financial reporting or to effectively mitigate or manage operational risk; |

| • |     | the efficacy of our methods or models in assessing business strategies or opportunities or in valuing, measuring, 
 monitoring, or managing positions or risk;                                                                        |