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Mar 31, 2023

BOK Financial Q1 2023 Earnings Report

BOK Financial reported strong financial results due to diverse business model, strong operating geographies, and disciplined approach to risk management.

Key Takeaways

BOK Financial Corporation reported a net income of $162.4 million, or $2.43 per diluted share, for the first quarter of 2023. The company's performance was driven by sustained revenue in non-interest income businesses, continued loan growth, and an efficiency ratio below 57 percent.

Net income was $162.4 million or $2.43 per diluted share.

Net interest revenue totaled $352.3 million, consistent with the prior quarter.

Fees and commissions revenue was $186.0 million, a decrease of $7.6 million.

Period-end loans increased $193 million to $22.8 billion.

Total Revenue
$530M
Previous year: $356M
+48.8%
EPS
$2.43
Previous year: $0.91
+167.0%
Efficiency Ratio
56.38%
Previous year: 75.07%
-24.9%
Leverage Ratio
9.94%
Previous year: 8.47%
+17.4%
Cash and Equivalents
$1.36B
Previous year: $1.37B
-0.3%
Total Assets
$45.5B
Previous year: $46.8B
-2.8%

BOK Financial

BOK Financial

BOK Financial Revenue by Segment

BOK Financial Revenue by Geographic Location

Forward Guidance

The company expects continued growth in commercial real estate balances as loans fund, primarily in the multifamily and industrial loan portfolios.