FDIC

FDIC-Insured—Backed by the full faith and credit of the U.S. Government

Environmental, Social, and Governance

Our efforts and programs help support the United Nations Sustainable Development Goals.

In this document, BOK Financial provides disclosure of environmental, social, and governance topics and metrics that have been determined to be relevant to our company. The document was informed by the Sustainability Accounting Standards Board (SASB) standards for the Financials – Commercial Banks industry; direct reference was made to SASB standards to assist in the identification of information used for rating purposes throughout this report. In addition, we provide disclosure of additional environmental, social, and governance metrics that are relevant to our business and identify where our efforts and programs help support the United Nations Sustainable Development Goals (UN SDGs). This document covers the 12 months ended December 31, 2022, unless otherwise noted.

Reference

BOK Financial Corporation is a regional financial services company headquartered in Tulsa, Oklahoma. The company’s stock is publicly traded on NASDAQ under the Global Select market listings (BOKF). BOK Financial Corporation’s holdings include BOKF, NA; BOK Financial Securities, Inc.; and BOK Financial Private Wealth, Inc. BOKF, NA operates TransFund and Cavanal Hill Investment Management. BOKF, NA operates banking divisions across eight states as: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas and BOK Financial (in Arizona, Arkansas, Colorado, Kansas and Missouri); as well as having limited purpose offices in Nebraska, Wisconsin, Connecticut and Tennessee. Through its subsidiaries, BOK Financial Corporation provides commercial and consumer banking, brokerage trading, investment, trust and insurance services, mortgage origination and servicing, and an electronic funds transfer network. BOK Financial® is a registered trademark of BOKF, NA. For more information, visit bokf.com.

This review 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 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,” “outlook,” “projects,” “will,” “intends,” variations of such words and similar expressions are intended to identify such forward-looking statements. 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. 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.