Hancock Whitney Corporation (NASDAQ:HWC) Q3 2020 Results Earnings Conference Call October 20, 2020 5:00 PM ET Company Participants Trisha Carlson - EVP, Investor Relations Manager John Hairston - President, Chief Executive Officer Mike Achary - Chief Financial Officer Chris Ziluca - Chief Credit Officer Conference Call Participants Michael Rose - Raymond James Brett Rabatin - Hovde Group Kevin Fitzsimmons - D.A. Davidson Catherine Mealor - KBW Brad Milsaps - Piper Sandler Ebrahim Poonawala - Bank of America ...

Financial Performance - Net income was $794 million, compared to a loss of $1171 million in 2Q20[8] - Pre-provision net revenue (PPNR) increased by $78 million, a 7% linked-quarter increase, totaling $1263 million[8] - The provision for credit losses was $25 million, and net charge-offs totaled $24 million; the allowance for credit losses (ACL) remained strong at 240% excluding PPP loans[8] - Net interest margin (NIM) remained stable at 323%[9] Loan Portfolio - Total loans amounted to $222 billion, a decrease of $388 million linked-quarter, reflecting the current economic environment[8, 12] - The company originated over 13000 PPP loans totaling $24 billion in rounds 1 and 2 of the program, with 11874 loans, or $785 million, in loans less than $350K[6, 14] - Energy loans accounted for $338 million, representing 17% of total loans, a decrease of $14 million, or 4%, linked-quarter[16, 23] Deposits and Capital - Total deposits decreased by $292 million linked-quarter, mainly due to a reduction in brokered CD funding, reaching $270 billion[8, 6] - The CET1 ratio increased to 1029%, up 51 bps, and the TCE ratio increased to 753%, up 20 bps[9] Expenses and Revenue - Noninterest expense totaled $1958 million, down $08 million, or less than 1%, linked-quarter[49, 50] - Noninterest income totaled $837 million, up $98 million, or 13% linked-quarter[48] Other Key Points - The overactive hurricane season impacted several Gulf Coast markets, but no material provision expense is expected from the impact of the hurricanes[10] - Criticized commercial loans increased by $64 million, or 18%, linked-quarter, reflecting the economic impact of COVID-19 on many clients[8] - Deferrals peaked on 5/14/20 at $36 billion of outstandings; totaled $284 million at 9-30-20[25]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 Mississippi 64-069317 ...

Hancock Whitney Corporation (NASDAQ:HWC) Q2 2020 Earnings Conference Call July 21, 2020 5:00 PM ET Company Participants Trisha Voltz Carlson - Executive Vice President and Investor Relations Manager John Hairston - President and Chief Executive Officer Michael Achary - Chief Financial Officer Christopher Ziluca - Chief Credit Officer Conference Call Participants Michael Rose - Raymond James & Associates, Inc. Kevin Fitzsimmons - D.A. Davidson & Co. Casey Haire - Jefferies LLC Brad Milsaps - Piper Sandler Eb ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Mississippi 64-06931 ...

Hancock Whitney Corporation (NASDAQ:HWC) Q1 2020 Results Earnings Conference Call April 29, 2020 9:00 AM ET Company Participants Trisha Carlson - Executive VP & IR Manager John Hairston - President, CEO Michael Achary - Senior EVP & CFO Chris Ziluca - Chief Credit Officer Conference Call Participants Kevin Fitzsimmons - D.A. Davidson Operator Good day, ladies and gentlemen. And welcome to the Hancock Whitney Corporation’s First Quarter 2020 Earnings Conference Call. At this time, all participants are in lis ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-36872 Hancock Whitney Corporation (Exact name of registrant as specified in its charter) | Mississippi | | 64-0693170 | | | --- | --- | --- | --- | | (State or ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Mississippi 64-0 ...

Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Commission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Mississippi 64-069317 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Mississippi 64-06931 ...