Company: UMBFO
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0000950170-25-062287
Chunk: 10

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-02
Form: 10-Q
Item: Part I, Item 3
Chunk 10
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 income of a 200-basis-point upward or a 300-basis-point downward gradual change (e.g. ramp) and immediate change (e.g. shock) of market interest rates over a two year period.  In ramp scenarios, rates change gradually for a one-year period and remain constant in year two.  In shock scenarios, rates change immediately and the change is sustained for the remainder of the two-year scenario horizon.  Assumptions are made to project rates for new loans and deposits based on historical analysis, management outlook and repricing strategies.  Asset prepayments and other market risks are