NASDAQ: OZK | February 2020 Forward-Looking Information This presentation and other communications by Bank OZK (the "Bank") include certain "forward-looking statements" regarding the Bank's plans, expectations, thoughts, beliefs, estimates, goals and outlook for the future that are intended to be covered by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on management's expectations as well as certain assumptions and estimates made by, and information available to, ...

Bank Ozk (NASDAQ:OZK) Q4 2019 Earnings Conference Call January 17, 2020 11:00 AM ET Company Participants Tim Hicks - Chief Administrative Officer & Executive Director, IR George Gleason - Chairman & CEO Gregory McKinney - CFO & CAO Conference Call Participants Ken Zerbe - Morgan Stanley Stephen Scouten - Piper Sandler Daniel Mannix - Raymond James Catherine Mealor - KBW Timur Braziler - Wells Fargo Securities Arren Cyganovich - Citi Matt Olney - Stephens Brock Vandervliet - UBS Jennifer Demba - SunTrust Bri ...

NASDAQ: OZK | October 2019 Forward-Looking Information This presentation and other communications by Bank OZK (the "Bank") include certain "forward-looking statements" regarding the Bank's plans, expectations, thoughts, beliefs, estimates, goals and outlook for the future that are intended to be covered by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on management's expectations as well as certain assumptions and estimates made by, and information available to, ...

Financial Data and Key Metrics Changes - The company reported a decline in net interest margin (NIM) by approximately 19 basis points during the quarter, influenced by two rate cuts and a decrease in LIBOR by 40 basis points [8][9][11] - Deposit costs decreased by 6 basis points during the quarter, with expectations for continued reductions in the fourth quarter [9][15] Business Line Data and Key Metrics Changes - The Real Estate Specialty Group (RESG) achieved its best origination quarter since 2017, with a diverse range of loans including the largest loan ever originated by the company [6][7] - The company expects moderate growth in the balance sheet for the upcoming year, with a focus on maintaining credit quality amidst high levels of loan payoffs [17][19] Market Data and Key Metrics Changes - The company is experiencing a competitive environment with fewer loan opportunities, particularly in the RESG sector, but is committed to maintaining high credit standards [18][29] - The indirect marine and RV business is expected to see reduced growth due to declining sales in that sector, while community banking is anticipated to grow due to increased staffing [17][19] Company Strategy and Development Direction - The company is focusing on internal and organic growth, with a strategic plan to enhance deposit quality and quantity through a significant revamp of retail banking operations [45][46] - M&A activity is not a current focus, with the company preferring to capitalize on internal opportunities and potential future downturns for acquisitions [43] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the ability to grow net interest income next year, contingent on interest rate movements and effective management of deposit costs [28][29] - The company is committed to maintaining strong capital levels to capitalize on future opportunities, especially during economic downturns [31][32] Other Important Information - The company is actively working on its CECL model validations, which have contributed to elevated expenses but are expected to moderate in the future [13] - The company has opened new branches while closing underperforming ones as part of a review of its retail banking infrastructure [52][54] Q&A Session Summary Question: What drove the higher origination volume in RESG? - Management noted that the best origination quarter since 2017 was due to a mix of loan sizes, including the largest loan ever originated [6] Question: How should we think about margin with potential rate cuts? - Management indicated that while loan yields would likely drop with further rate cuts, deposit costs are expected to decrease, albeit with a lag [11][12] Question: What is the expected pace of expense growth? - Management expects expenses to continue to rise due to ongoing infrastructure investments but anticipates moderation moving into 2020 [13] Question: Can you provide insight into the largest loan in RESG? - The largest loan originated was a mixed-use project in Tampa, meeting all quality standards and backed by strong sponsorship [21][22] Question: What are the expectations for loan growth in the coming year? - Management expects moderate overall loan growth, with specific growth in community banking and a more modest outlook for the marine and RV sectors [19][29] Question: How is the transition post Dan's departure? - Management expressed confidence in the current RESG team, stating it is the most capable and collaborative team they have had [25] Question: What is the company's view on M&A opportunities? - Management indicated that while they are open to M&A, it would need to be a compelling opportunity, with a focus on internal growth for now [43] Question: What changes are being made to improve deposit growth? - The company is implementing a strategic plan to enhance deposit quality and has hired a Chief Deposit Officer to lead these efforts [45][46]

Bank OZK (NASDAQ:OZK) Q2 2019 Results Earnings Conference Call July 19, 2019 11:00 AM ET Company Participants Tim Hicks - Chief Administrative Officer and Executive Director, IR George Gleason - Chairman and CEO Greg McKinney - Chief Financial Officer and CAO | --- | |-----------------------------------------| | | | Conference Call Participants | | Ken Zerbe - Morgan Stanley | | Timur Braziler - Wells Fargo Securities | | Stephen Scouten - Sandler O'Neill | | Brock Vandervliet - UBS | | Matt Olney - Stephen ...

Financial Data and Key Metrics Changes - The company reported its first quarter results with a focus on financial performance, although specific numerical data was not provided in the excerpts [4][5]. Business Line Data and Key Metrics Changes - No specific details regarding changes in various business lines were provided in the excerpts [4][5]. Market Data and Key Metrics Changes - The excerpts do not contain specific market data or key metrics changes [4][5]. Company Strategy and Development Direction and Industry Competition - The management indicated a positive outlook for the company and mentioned the importance of forward-looking statements regarding expectations and estimates for the future [4][5]. Management Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's performance and future prospects, emphasizing the need to consider various factors and risks that could affect actual results [4][5]. Other Important Information - The call included a reminder that it was being recorded and that participants were in a listen-only mode initially [2]. Q&A Session All Questions and Answers Question: General inquiries about the company's performance - The management team, including the CEO and CFO, was present to address questions regarding the company's first quarter results and future expectations [5].

Bank Ozk (NASDAQ:OZK) Q4 2018 Earnings Conference Call January 18, 2019 11:00 AM ET Company Participants Tim Hicks - Chief Administrative Officer & Executive Director, IR George Gleason - Chairman & CEO Gregory McKinney - CAO & CFO Tyler Vance - COO Conference Call Participants Kenneth Zerbe - Morgan Stanley Jennifer Demba - SunTrust Robinson Humphrey Stephen Scouten - Sandler O'Neill + Partners Arren Cyganovich - Citigroup Michael Rose - Raymond James & Associates Matthew Olney - Stephens Inc. Catherine Me ...