Zions Bancorporation Investor Presentation — April 2024

Document content

2Forward -Looking Statements; Use of Non- GAAP Financial Measures

Forward Looking Information

This presentation includes “forward -looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and assumptions

regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties, and other fact ors that may cause our actual results, performance or achievements, industry trends, and results or

regulatory outcomes to differ materially from those expressed or implied. Forward -looking statements include, among others: Stat ements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs,

guidelines, expectations, anticipations, and future financial condition, results of operations and performance of Zions Banco rporation, National Association and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,”

“we,” “our,” “us”); and Statements preceded or followed by, or that include the words “may,” “might,” “can,” “continue,” “could, ” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,”

“commit,” “design,” “plan,” “projects,” “will,” and the negative thereof and similar words and expressions.

Forward -looking statements are not guarantees, nor should they be relied upon as representing management’s views as of any subse quent date. Actual results and outcomes may differ materially from those presented. Although

the following list is not comprehensive, important factors that may cause material differences include: The quality and composit ion of our loan and securities portfolios and the quality and composition of our deposits; Changes in

general industry, political and economic conditions, including elevated inflation, economic slowdown or recession, or other e conomic challenges; changes in interest and reference rates, which could adversely affect our revenue

and expenses, the value of assets and liabilities, and the availability and cost of capital and liquidity; deterioration in e conomic conditions that may result in increased loan and leases losses; The effects of newly enacted and

proposed regulations affecting us and the banking industry, as well as changes and uncertainties in applicable laws, and fiscal, monetary, regulatory, trade, and tax policies, and actions taken by governments, agencies, central

banks, and similar organizations, including those that result in decreases in revenue; increases in bank fees, insurance asse ssments and capital standards; and other regulatory requirements; Competitive pressures and other

factors that may affect aspects of our business, such as pricing and demand for our products and services, and our ability to recruit and retain talent; The impact of technological advancements, digital commerce, artificial