OUR 2015 FINANCIAL PERFORMANCE

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Dennis Morrison
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1 2016 AT-A-GLANCE

2 ABOUT BOK FINANCIAL BOK Financial is one of the largest banks based in the U.S. Headquartered in Tulsa, Okla., its roots go back more than 100 years. One of the strongest financial institutions in the nation, BOK Financial has operations in 10 states in the Midwest and Southwest and serves clients all across the country. Our business model is uniquely fitted to provide a wide breadth of banking solutions to businesses, institutions and individuals, through regional market leadership and the backing of a 31 billion bank. OUR HISTORY BOK Financial s beginnings go back to 1910 when its predecessor bank was launched to provide a local source of capital for the region s energy industry. Twenty-five years ago, in 1991, the bank was purchased by now-chairman George Kaiser and the holding company, BOK Financial, was created. Since that time, the company has expanded into a wide variety of businesses and geographies, and has been built to provide consistent financial performance across all economic cycles. OUR 2015 FINANCIAL PERFORMANCE At December 31, 2015 Assets Loans Deposits Fiduciary Assets Assets Under Management and/or Administration 31.5 billion 15.9 billion 21.1 billion 38.3 billion 71.0 billion DIVERSIFIED REVENUE Percent of total revenue 12 Months Ended 12/31/15 Brokerage & Trading 9.5 % FINANCIAL HIGHLIGHTS 25th consecutive year of profitability Net Interest 51.6 % Transaction 9.4 % Trust Fees 9.3 % Service Charges 6.6 % Mortgage 9.9 % Record year for fees and commissions revenue 11th consecutive year of dividend increases for stockholders Three acquisitions announced in late 2015/early 2016: MBT Bancshares, Weaver Wealth Management and E-Spectrum Advisors Other 3.7 %

Our business model is uniquely fitted to provide a wide breadth of banking solutions to businesses, institutions and individuals, through regional market leadership and the backing of a 31 billion

3 OUR COMMUNITIES 5.2 million The financial investment BOK Financial and the BOKF Foundation made in our communities in The number of non-profits and organizations impacted directly through our support. 740 The number of volunteer leadership positions served by more than 425 employees. 2.2 million The amount pledged in 2015 by our employees to support their local United Way agencies through our annual corporate campaign. Combined with the corporate donation, our total commitment in 2016 will be 3.2 million. WHERE WE INVEST k 1.11m 1.17m 461k 633k 256k 45k 655k Civic Enhancement Other Economic Development Arts and Culture Health and Medical Research United Way Social Services Education Actively advance the communities we serve is one of our values, which the company, our employees, and our leaders have demonstrated for more than a century. Through financial contributions and the generosity of our employees giving their time and talents, BOK Financial makes a significant impact in the communities we serve. We support initiatives that enhance the educational opportunities in our communities, invest in economic development through our local chambers and teach financial education through our Learn for Life program. Additionally, we provide volunteer and financial support to a variety of organizations that work tirelessly to serve the most vulnerable citizens in our community by meeting their basic needs and addressing issues such as poverty, hunger, healthcare and safety. Community engagement is about investing in the future to create a high quality of life where our employees live, to support economic development activities so that our clients businesses can grow, and to build sustainable change that has a long-term positive impact on our communities. Steven G. Bradshaw President and CEO, BOK Financial

2 million The amount pledged in 2015 by our employees to support their local United Way agencies through our annual corporate campaign.

4 COMMERCIAL Our Commercial Banking division offers businesses from a variety of industries a full suite of banking solutions with local, personal service, and the industry knowledge and experience clients count on to grow. In 2015, we produced loan growth of 14 percent and we continue to see opportunities across all of our lines of business and geographies in the coming year. STRONG COMMERCIAL LOAN GROWTH (in millions) Commercial Real Estate 2,415 2,728 3,259 Energy 2,352 2,860 3,097 Services 2,282 2,392 2,784 Healthcare 1,274 1,455 1,883 Wholesale/Retail 1,201 1,440 1,422 Manufacturing Other Commercial and Industrial Total Commercial 10,358 11,824 13,511 MORTGAGE We are a top 50 U.S. mortgage originator and offer three distinct channels for clients, including traditional retail mortgage lending, correspondent bank mortgage lending and online mortgage lending primarily through our brand HomeDirect. MORTGAGE ORIGINATIONS AND REVENUE Retail Originations (in millions) 3,586 3,030 2,225 2,600 Correspondent Originations (in millions) 393 1,253 1,957 2,930 HomeDirect Originations (in millions) Servicing Revenue (in thousands) 40,185 42,389 48,032 56,415 TRANSFUND In 2015, TransFund celebrated 40 years of business. Starting in Oklahoma and now operating nationally, TransFund has evolved into a top 10 debit card/atm network and merchant payment processor. Its large customer base consists of banks, credit unions, convenience stores and thousands of merchants. EFT TRANSACTION VOLUME (in millions) MERCHANT PROCESSING VOLUME (in millions) ,500 2,000 1,500 1, SIG POS PIN POS ATM RETAIL SALES CASH ADVANCE

STRONG COMMERCIAL LOAN GROWTH (in millions) 2013 2014 2015 Commercial Real Estate 2,415 2,728 3,259 Energy 2,352 2,860 3,097 Services 2,282 2,392 2,784 Healthcare 1,274 1,455 1,883 Wholesale/Retail

5 CONSUMER Our banking centers and the relationship bankers within them serve as the face of our company to a large portion of our clients, prospects and communities. Through individualized assessments, our bankers discover the unique needs of each client and leverage relationships all across the institution to provide product and service solutions that are a best fit for the client. This includes providing clients access to investment managers, mortgage loan officers, business banking experts and more. Personal, consultative service delivers the total bank to clients while technology like Mobile Deposit, Apple Pay and Online Bill Pay, allow clients to customize and manage their finances on the go. Personal Loans Mortgage Relationship Banker Cash Management Solutions Mobile Banking Small Business Banking Investments WEALTH MANAGEMENT For more than a century and through various economic cycles, BOK Financial has been committed to providing investment and advisory solutions to individuals and institutions. We are focused on the growth and preservation of our clients wealth through the integrated delivery of customized financial solutions. We have 71 billion in assets under management and/or administration. STRONG WEALTH MANAGEMENT GROWTH Total Revenue (in millions)

fit for the client. This includes providing clients access to investment managers, mortgage loan officers, business banking experts and more.

6 RETAIL AND COMMERCIAL BANKING: WEALTH MANAGEMENT: TRANSACTION AND PAYMENT PROCESSING: MORTGAGE BANKING: Steven G. Bradshaw, President and Chief Executive Officer Norman P. Bagwell, Executive Vice President, Regional Banks and CEO, Bank of Texas BOK FINANCIAL CORPORATION EXECUTIVE MANAGEMENT Scott B. Grauer, Executive Vice President, Wealth Management and CEO, BOSC, Inc. Stephen D. Grossi, Executive Vice President, Chief Human Resource Officer Rebecca D. Keesling, Executive Vice President, Chief Auditor Stacy C. Kymes, Executive Vice President, Corporate Banking Marc C. Maun, Executive Vice President, Chief Credit Officer Steven E. Nell, Executive Vice President, Chief Financial Officer Donald T. Parker, Executive Vice President, Chief Risk Officer, Chief Information Officer Patrick E. Piper, Executive Vice President, Consumer Banking Services

Stephen D. Grossi, Executive Vice President, Chief Human Resource Officer Rebecca D. Keesling, Executive Vice President, Chief Auditor Stacy C.

8 BOK Financial Corporation is a 31 billion regional financial services company based in Tulsa, Okla. The company s stock is publicly traded on NASDAQ under the Global Select market listings (symbol: BOKF). BOK Financial s holdings include BOKF, NA, BOSC, Inc. and The Milestone Group, Inc. BOKF, NA operates TransFund, Cavanal Hill Investment Management, and seven banking divisions: Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas, and Colorado State Bank and Trust. Through its subsidiaries, the company provides commercial and consumer banking, investment and trust services, mortgage origination and servicing, and an electronic funds transfer network. For more information, visit GE-BA-7005 REV 04/16

BOKF, NA operates TransFund, Cavanal Hill Investment Management, and seven banking divisions: Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank

Earnings Conference Call January 28, 2015

Fourth Quarter 2014 Earnings Conference Call January 28, 2015 Steven G. Bradshaw Chief Executive Officer Daniel H. Ellinor Chief Operating Officer Steven Nell Chief Financial Officer Stacy Kymes Chief