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 June 30, 2023 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 64-0693170 (State or other ...

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, 2023 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 64-0693170 (State or other ...

4/18/2023 Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this release is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Additional factors that could cause actual results to differ materially from those described in ...

Hancock Whitney Corporation (NASDAQ:HWC) Q1 2023 Earnings Conference Call April 18, 2023 5:00 PM ET Company Participants Kathryn Mistich - Investor Relations Manager John Hairston - President and Chief Executive Officer Mike Achary - Chief Financial Officer Chris Ziluca - Chief Credit Officer Conference Call Participants Catherine Mealor - KBW Michael Rose - Raymond James Kevin Fitzsimmons - D.A. Davison Brandon King - Truist Brett Rabatin - Hovde Group Casey Haire - Jefferies Brad Milsaps - Piper Sandler M ...

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, 2022 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 other jurisdiction of incorporation o ...

Financial Data and Key Metrics Changes - The company reported a fourth quarter EPS of $1.65, an increase of $0.10 from the previous quarter [8] - Net income for the fourth quarter was $144 million, up $8.4 million from the third quarter [8] - The efficiency ratio improved to 49.81%, indicating strong operational performance [8] - The net interest margin (NIM) increased to 3.68%, up 14 basis points from the previous quarter [9] - The yield on new loans rose by 134 basis points to 6.27% [9] Business Line Data and Key Metrics Changes - The company experienced a net loan growth of $528.5 million, representing a 9% annualized increase from the previous quarter [96] - Deposit growth was challenged, with DDA and interest-bearing transaction deposits down by $692 million and $176 million, respectively [81] - The company anticipates a 3% to 4% growth in total noninterest income for 2023, despite a $10 million to $11 million loss from the elimination of certain fees [6][128] Market Data and Key Metrics Changes - The company noted that commercial clients are deploying excess liquidity into working capital, impacting deposit growth [81] - The deposit beta increased to around 21% in the fourth quarter, indicating a shift in deposit pricing sensitivity [126] Company Strategy and Development Direction - The company plans to focus on core relationship lending and enhancing deposit relationships to create value [78] - There is an expectation of slower loan growth in 2023, with guidance indicating low to mid-single digit growth [93] - The company is investing in technology to improve scalability and effectiveness, which is expected to yield long-term benefits [79][139] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism for 2024, anticipating a more conducive environment for balance sheet growth [36] - The company is prepared for potential economic slowdowns and is focused on maintaining a solid capital position [40][93] - Management highlighted that credit metrics remain at historically low levels, indicating a strong risk management posture [79] Other Important Information - The company expects noninterest expenses to increase by 6% to 7% in 2023, driven by inflation and higher FDIC assessments [6] - The company added $1.5 million to its reserve at year-end, maintaining an allowance for credit losses (ACL) of 148 basis points [40] Q&A Session Summary Question: What factors will influence fee income growth? - Management noted that specialty income components were down in the fourth quarter but expect a rebound in 2023 [12][13] Question: How does the company view its loan portfolio in a higher rate environment? - Management expressed confidence in the portfolio's resilience, particularly in medical office segments, while monitoring potential vulnerabilities [108] Question: What are the expectations for deposit growth in 2023? - Management indicated that deposit growth will be challenging, with a focus on managing the balance sheet effectively [93][121] Question: How will the company manage expenses in 2023? - Management expects a normalization of expenses, with increases primarily driven by pension and FDIC costs [22][139] Question: What is the outlook for net interest margin (NIM)? - Management anticipates stable NIM, with potential fluctuations based on deposit balances and loan growth [105][134]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the transition period from to Commission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Mississippi 64-0693170 (State or other jurisdiction of incorporation or organization) Hancock Whitney Plaza, 2510 14 Street, Gulfport, Mississippi 39501 (Address of principal executive offices) (Zip Code) th FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SE ...

Hancock Whitney Corporation (NASDAQ:HWC) Q3 2022 Earnings Conference Call October 18, 2022 5:00 PM ET Company Participants Trisha Carlson - IR Manager John Hairston - President and CEO Michael Achary - CFO Christopher Ziluca - Chief Credit Officer Conference Call Participants Jennifer Demba - Truist Securities Catherine Mealor - KBW Michael Rose - Raymond James Brett Rabatin - Hovde Group Kevin Fitzsimmons - D. A. Davidson Brad Milsaps - Piper Sandler Christopher Marinac - Janney Montgomery Matt Olney - Ste ...

(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, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Mississippi 64-0693170 (State or other jurisdiction of incorporation or organization) Hancock Whitney Plaza, 2510 14 Street, Gulfport, Mississippi 39501 (Address of principal executive offic ...

Hancock Whitney Corporation (NASDAQ:HWC) Q2 2022 Earnings Conference Call July 19, 2022 5:00 PM ET Company Participants Trisha Carlson - Investor Relations Manager John Hairston - President and Chief Executive Officer Michael Achary - Chief Financial Officer Christopher Ziluca - Chief Credit Officer Conference Call Participants Kevin Fitzsimmons - D. A. Davidson Brett Rabatin - Hovde Group Jennifer Demba - Truist Securities Casey Haire - Jefferies Brad Milsaps - Piper Sandler Michael Rose - Raymond James Ca ...