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COMMERCE BANCSHARES, INC. ANNUAL SHAREHOLDERS MEETING April 18, 2018

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COMMERCE BANCSHARES, INC. ANNUAL SHAREHOLDERS MEETING April 18, 2018 COMMERCE BANCSHARES, INC. ANNUAL SHAREHOLDERS MEETING April 18, 2018 David Kemper Chairman and Chief Executive Officer CAUTIONARY STATEMENT A number of statements we will be making in our presentation and in the accompanying slides are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements of the Corporation’s plans, goals, objectives, expectations, projections, estimates and intentions. These forward-looking statements involve significant risks and uncertainties and are subject to change based on various factors (some of which are beyond the Corporation’s control). Factors that could cause the Corporation’s actual results to differ materially from such forward-looking statements made herein or by management of the Corporation are set forth in the Corporation’s 2017 Report on Form 10-K and the Corporation’s Current Reports on Form 8-K. 2 2 ABOUT COMMERCE $24.8 153 BILLION IN YEARS IN BUSINESS BANCSHARES ASSETS 46TH $20.4 6 LARGEST U.S. BANK BASED ON ASSET SIZE1 BILLION IN TOTAL DEPOSITS 4 9 5 5 1 2 4 1 6 3 2 $14.0 8 7 $6.0 BILLION IN TOTAL LOANS 3 BILLION MARKET CAPITALIZATION 34TH $7.9 LARGEST U.S. BANK BILLION IN COMMERCIAL BASED ON MARKET 1 CARD VOLUME 176 branches and 376 ATMs in our footprint CAPITALIZATION Extended Commercial Market Area Commercial Payments Services offered in 48 states 12.46% Nine key markets RETURN ON AVERAGE St. Louis Central Missouri Tulsa $48.7 ❖ Kansas City Central Illinois Oklahoma City BILLION IN COMMON EQUITY Springfield Wichita Denver TRUST ASSETS TH Commercial offices TH 5 20 Cincinnati Dallas Indianapolis LARGEST AMONG U.S. BANK- ROACE FOR THE TOP 50 ❖ Nashville Des Moines Grand Rapids OWNED TRUST COMPANIES U.S. BANKS BASED ON BASED ON AUM1 1 Source: 1S&P Global Market Intelligence as of 12/31/2017; Company reports and filings as of 12/31/2017 ASSET SIZE 33 SUPER-COMMUNITY BANK PLATFORM A consistent strategy with a long term view Community Bank Customer relationship-based Super-Regional Bank • Quickly adapt to CHALLENGE ACCEPTED • Sophisticated customer needs High performing teams and payment system and changing engaged workforce capabilities preferences • Broad consumer • Core values Investment in distinctive, high- product offerings return businesses embraced by • Private Banking; employees Long history of top quartile credit Trust; Capital Markets • Award winning quality metrics • Shareholder driven customer service and strong financial • Focus on the full Disciplined approach to acquisitions performance client relationship • Competitive on unit Focus on operational efficiencies costs 4 4 A STRONG EMPHASIS ON CULTURE 1 Giving 2017 Employee Engagement to our VALUES 78% • Engaged, long-term 75% 74% We have a leadership team long term We • Focus on people and talent iew collaborate development Commerce U.S. High U.S. Financial as ne • Knowledge of customers Performance Norm Services Norm We act with team and markets • Contributed $32 million to Commerce ntegrity • Collaboration drives sales Bancshares Foundation to enable We are across business lines expanded community support ustomer • • We strive focused Focus on EPS growth Rated “outstanding” from the Federal Reserve for community reinvestment for • Investing in the xcellence communities in which we • Employees heavily engaged in the operate communities we serve ENABLES EXECUTION OF CORPORATE STRATEGIES 1The Korn Ferry Hay Group – 2017 survey results 5 RECENT RECOGNITION Commerce Bank was recognized with eight Greenwich Excellence Awards in the following categories: Middle Market Banking ($10-500MM) Cash Management - Overall Satisfaction Cash Management - Overall Satisfaction - Midwest Likelihood to Recommend / Net Promoter Score Likelihood to Recommend / Net Promoter Score - Midwest Overall Satisfaction Overall Satisfaction - Midwest The 2017 Private Asset Management Proactively Provides Advice – Midwest Awards recognize and reward top investment professionals, wealth Small Business Banking ($1-10MM) advisors, legal firms, consultants and Likelihood to Recommend / Net Promoter Score - Midwest other key service providers operating within the private asset management industry. Ranked 62 out of The award publicly 300 midsize recognizes Korn Ferry employers clients that have (companies with achieved best-in-class 1,000 to 5,000 levels of engagement. employees). Commerce is one of only Commerce ranks three companies in the #2 among other United States to receive banks on the list. this global award. 6 6 ECONOMIC THEMES We expect growth to accelerate even further in 2018. It would not surprise us if growth approaches or even surpasses 3% this year. The key drivers to this growth are: • Increasing levels of employment • Growth in business and consumer confidence that is translating to increasing retail sales and a deepening of the capital stock with investment in infrastructure and capital equipment • A continued recovery in the housing market • A positive tailwind from the global economy • Record stock prices • A boost from the Trump tax plan U.S. Real GDP Employment 9.0% 600 3% 8.0% 7.0% 400 2% 6.0% 1% 5.0% 200 4.0% 0% 0 3.0% -1% 2.0% -200 -2% 1.0% -3% 0.0% -400 -1.0% -4% -2.0% 10-year Average -600 -5% -3.0% "Sustainable" Trend Growth 3 Month Change (right axis) -4.0% -800 Y-O-Y (left axis) Monthly Increase (left axis) -6% -5.0% 1973 1977 1981 1985 1989 1993 1997 2001 2005 2009 2013 2017 -1,000 -7% 2000 2002 2004 2006 2008 2010 2012 2014 2016 Source: Commerce Trust Company, U.S. Bureau of Economic Analysis, Bloomberg 7 THEMES IN THE BANKING INDUSTRY • The traditional brick and mortar retail branch network remains relevant but with evolution of format and emphasis on strategic location • Tech enhancements to the digital experience will continue to meet the customers changing needs; organic growth as a result • Maintaining a balance between deposit retention and rate adjustments • Fraud and cyber crimes continue to be a big threat driving big investments to improve security • Fintechs are no longer viewed strictly as a competitive threat but also as potential partnership opportunities • Increased investments in innovation and an ongoing emphasis on reducing operating costs • Introduction of new technologies, automated processes and the need to replace aging core systems • Regulation is still a strong influence in the industry but pace of new regulation is slowing; leadership changes at government agencies will continue to play a role 8 MAINTAINING THE BALANCE STRONG PERFORMANCE with Disciplined focus on PRIORITY ongoing refinement of the “Core BLUE CHIP investments Bank” • Super-Community Bank platform • Funding Future Growth • Relationship-based banking • Expansion Market Growth • High-touch customer service • Transform the Retail Model • Full suite of product and service • offerings Enhance Private Client Model • • Disciplined attention to risk return Health Services Financing • Divest in businesses & activities • Claims Payments that no longer provide • acceptable returns Commerce Bank Mortgage • • A highly engaged workforce Enterprise CRM • Focus on profitability and • Succession Planning shareholder return …emphasis on culture, collaboration & core values 9 CONSUMER BANKING 2009 $113.5 MILLION $10.3 $2.5 $1.0 BILLION BILLION BILLION MILLION$15 Consumer Consumer Consumer Branch Deposits Loans Auto Loans Expense 2016 2016 Average Reduction $10.2 $2.5 FICO since 2009 BILLION BILLION 750 Banking Channel Preferences Continue Expanding Digital Capabilities Monthly Banking Sessions (in thousands) Mobile Online Branch Mobile Mobile 7,000 Penetration Deposit Use 6,000 2016: 2017: 2016: 2017: 5,000 49.4% 54.7% 3.3% 7.6% 4,000 3,000 App Store as of Digital Loan 2,000 Rating 1/17/18 Sales(000s) 1,000 2016: 2017: 2016: 2017: 0 $19,157 $25,500 2015 2016 2017 10 Period end balances, Information as of December 31, 2017 10 For high net worth individuals who are looking to simplify their complex financial life, The Commerce Trust Company provides a full-service approach to wealth management. TH $48.7 Largest20 Among BILLION $30.0BILLION Record13% Asset Bank-Owned Assets Under Total Client 2 Management Trust Company Management Assets1 Sales Total Client Assets Assets Under Management Asset Management Sales $ in billions $48.7 $ in billions Growth 13% $43.1 $38.4 $30.0 7% $25.4 6% $22.6 2015 2016 2017 2015 2016 2017 2015 2016 2017 Period end balances, Information as of December 31, 2017 1Assets under Administration 11 2S&P Global Market Intelligence ranking as of 12/31/2017, based on assets under management 11 COMMERCIAL BANKING Revenue growth opportunities $7.9 $523 $8.9BILLION BILLION MILLION Commercial Commercial Commercial Deposits 5 Yr. Revenue 5 Yr. Loans 5 Yr. CAGR CAGR CAGR +9.3% +3.0% +2.1% Commercial Loans Commercial Deposits Commercial Revenue $ in billions $ in billions $ in millions $523.0 $8.9 $511.0 $8.4 $8.5 $491.0 $8.1 $7.9 $7.5 2015 2016 2017 2015 2016 2017 2015 2016 2017 Period end balances, Information as of December 31, 2017 12 COMMERCIAL BANKING – EXPANSION MARKETS OFFERING GROWTH OPPORTUNITIES Nashville Cincinnati Oklahoma Denver Dallas Expansion Market Loan Growth Expansion $s in millions Market Loan $2,000 $1,793 $1,542 Growth $1,500 $1,338 $962 $1,091 $1,000 $608 195% $500 since 2012 $0 2012 2013 2014 2015 2016 2017 Personnel Overview for Expansion Markets Loan Growth 2017 vs 2016 #of commercial bankers per market* (includes open positions) 16.2% 2012 2017 21 4.3% 14 14 15 8 8 8 8 3 3 Total Company Expansion Markets Cincinnati Denver Oklahoma Nashville
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