Company: UMBFO
Filing Date: 2025-03-14
Form Type: DEF 14A
Source: 0001193125-25-054504
Chunk: 44

Company: UMB FINANCIAL CORP
Filing Date: 2025-03-14
Form: DEF 14A
Chunk 44
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| Core PPNR  ($ in millions)                |     | $         | 422.7 |     | $      | 528.4 |     | $       | 634.1 |     | $      | 622.3 |     |       |  117.8 | % |     |                   | 188.9 | % |     |        |                                                          80 | % |     |                     | 151.1 | % |
| NCOs                                      |     |           | 0.32% |     |        | 0.27% |     |         | 0.22% |     |        | 0.10% |     |       | >120.0 | % |     |                   | 200.0 | % |     |        |                                                          20 | % |     |                     |  40.0 | % |
|                                           |     |           |       |     |        |       |     |         |       |     |        |       |     |       |        |   |     |                   |       |   |     |        | Final Funding Percentage (based on the funding calculation) |   |     |                     | 191.1 | % |

The Compensation Committee determined that the Company’s operating leverage was 2.7% for 2024, which indicated that a positive discretionary adjustment could be considered to the 2024 short-term bonus pool. The Compensation Committee decided to make a positive discretionary adjustment of 4.8% due to the operational and financial outperformance for 2024, and the additional HTLF integration efforts. The table below reflects the final STIP funding pool, inclusive of the discretionary adjustment.

| STIP DISCRETIONARY ADJUSTMENT |     |                 |     |   |     |                      |                                            |     |                   |       |   |
| Leverage Target               |     | Actual Leverage |     |   |     | Adjustment Indicator |                                            |     | Adjustment Amount |       |   |
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