UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 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 001-12307 ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) United ...

Fourth Quarter 2021 Financial Review ZIONS BANCORPORATION January 24, 2022 Forward-Looking Statements; Use of Non-GAAP Financial Measures 2 Forward Looking Information This earnings presentation includes "forward-looking statements" as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements, often accompanied by words such as "may," "might," "could," "anticipate," "expect," and similar terms, are based on management's current expectations and assumptions regarding futu ...

Financial Data and Key Metrics Changes - Loans, excluding PPP loans, increased by $1.4 billion during the quarter, roughly double the growth in the third quarter [9] - Diluted earnings per share was $1.34, with a provision for credit loss impacting earnings per share by $0.12 [13][14] - Average total deposits increased by $4 billion or 5.2% unannualized, with period-end deposits increasing by $4.9 billion or 6.3% [19] Business Line Data and Key Metrics Changes - Average non-PPP loans increased by $1.2 billion or an annualized 2.5% compared to the third quarter, with period-end growth of $1.4 billion or 2.9% [18] - Loans to businesses increased over $1.2 billion, with significant growth in C&I, owner-occupied, and municipal finance [22] - Customer-related fees were $152 million, a 10% increase over the year-ago quarter [25] Market Data and Key Metrics Changes - Zions achieved a deposit growth of 19% compared to the 12% growth reported by domestic commercial banks [10] - The yield on average total loans decreased slightly, with average PPP loans declining by $1.4 billion [18] - The credit quality of the loan portfolio improved, with problem loans dropping significantly [20] Company Strategy and Development Direction - The company is focused on increasing new-to-bank customers and has seen success with promotional campaigns [9] - Significant investment in technology is ongoing to remain competitive against larger banks and fintechs [12] - The company aims to operate with lower-than-average risk while maintaining a stronger-than-median common equity Tier 1 capital ratio [50] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for loan demand in 2022, citing businesses needing to rebuild inventories [58] - Concerns about inflation's impact on business activity were acknowledged, but overall sentiment remained positive [58] - The company expects net interest income to increase over the next year, excluding PPP loan revenue [48] Other Important Information - The allowance for credit losses increased slightly due to concerns over the Omicron variant's impact on the economy [42] - The company repurchased $325 million of common stock in the fourth quarter [43] - A new technology campus in Salt Lake City is set to open, reducing occupancy costs by about 13% [32] Q&A Session Summary Question: NII guidance and cash deployment assumptions - Management indicated that loan growth is the primary focus for cash deployment, with confidence in the quality of depositors [53][54] Question: Loan growth outlook and inflation risks - Management believes 2022 will be a good year for loan demand, despite uncertainties related to inflation [58] Question: Deposit liquidity expectations - Management expressed confidence in the operational nature of deposits and expects continued deployment of liquidity [62][64] Question: Areas of lending sensitivity - Management noted sensitivity in commercial real estate, particularly in office space and retail [66] Question: Expense trajectory with potential rate hikes - Management expects much of the net interest income from rate hikes to fall to the bottom line, but wage pressures may impact expenses [70][71] Question: Loan growth outlook and active campaigns - Ongoing campaigns for owner-occupied and HELOC loans are expected to continue driving growth [78] Question: Energy sector loan growth expectations - Management anticipates some growth in the energy sector, with improved credit quality and increased commitments [95]

ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) 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, 2021 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 001-1230 ...

Third Quarter 2021 Financial Review ZIONS BANCORPORATION October 18, 2021 Forward-Looking Statements; Use of Non-GAAP Financial Measures 2 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 factors ...

Zions Bancorporation, National Association (NASDAQ:ZION) Q3 2021 Earnings Conference Call October 18, 2021 5:30 PM ET Company Participants James Abbott - Senior Vice President, Director of Investor Relations Harris Simmons - Chairman and Chief Executive Officer Scott McLean - Chief Operating Officer Paul Burdiss - Chief Financial Officer Keith Maio - Chief Risk Officer Michael Morris - Chief Credit Officer Conference Call Participants Ebrahim Poonawala - Bank of America Dave Rochester - Compass Point Peter ...

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, 2021 OR (I.R.S. Employer Identification No.) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ ZIONS BANCORPORATION, NATIONAL ASSOCIATION One South Main Salt Lake City, Utah 84133-1109 (Addres ...

Zions Bancorporation, National Association (NASDAQ:ZION) Q2 2021 Earnings Conference Call July 19, 2021 5:30 PM ET Company Participants James Abbott - Director, Investor Relations Harris Simmons - Chairman & Chief Executive Officer Scott McLean - President and Chief Operating Officer Paul Burdiss - Chief Financial Officer Michael Morris - Chief Credit Officer Keith Maio - Chief Risk officer Conference Call Participants Kenneth Zerbe - Morgan Stanley David Rochester - Compass Point Ebrahim Poonawala - Bank ...

2021 Second Quarter Investor Update ZIONS BANCORPORATION May 2021 Forward-Looking Statements; Use of Non-GAAP Financial Measures 2 Forward Looking Information These materials include "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 factors that may ca ...

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, 2021 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 001-12307 ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) Un ...