博克金融 2024年度报告

FORM10-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 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 No.001-37811 BOK FINANCIAL CORP(Exact name of registrant as specified in its charter) 73-1373454(I.R.S. EmployerIdentification No.) 74172(Zip Code) (918)588-6000(Registrant’s telephone number, including area code)Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.YesýNo☐ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.Yes¨Noý Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to suchfiling requirements for the past 90 days.YesýNo¨ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submitsuch files).YesýNo¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, oran emerging growth company.See definitions of "larger accelerated filer," "accelerated filer," and "smaller reporting company," and "emerginggrowth company" in Rule 12b-2 of the Exchange Act. Accelerated filer¨Non-accelerated filer¨Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.¨ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internalcontrol over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm thatprepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included inthe filing reflect the correction of an error to previously issued financial statements.¨ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensationreceived by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).¨ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐Noý The aggregate market value of the registrant's common stock ("Common Stock") held by non-affiliates is approximately $2.4billion (based on theJune30, 2024 closing price of Common Stock of $91.64 per share). As of January 31, 2025, there were64,226,062shares of Common Stockoutstanding. DOCUMENTS INCORPORATED BY REFERENCE Parts II and III incorporate certain information by reference from the Registrant’s Proxy Statement for the 2025 Annual Meeting of Shareholders. BOK Financial CorporationForm 10-KYear Ended December 31, 2024 Index Glossary of Defined Terms Part IBusinessRisk FactorsUnresolved Staff CommentsCybersecurityPropertiesLegal ProceedingsMine Safety Disclosures Item 1Item 1AItem 1BItem 1CItem 2Item 3Item 4 Part IIMarket for Registrant's Common Equity, Related Stockholder Matters,and Issuer Purchases of EquitySecurities21Reserved23Management's Discussion and Analysis of Financial Condition and Results of Operations23Quantitative and Qualitative Disclosures about Market Risk74Financial Statements and Supplementary Data78Changes In and Disagreements with Accountants on Accounting and Financial Disclosure151Controls and Procedures151Other Information151 Item 5 Item 6Item 7Item 7AItem 8Item 9Item 9AItem 9B Part III Directors, Executive Officers and Corporate Governance151Executive Compensation152Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters152Certain Relationships and Related Transactions, and Director Independence152Principal AccountantFees and Services152 Item 10Item 11Item 12Item 13Item 14 Part IVExhibits, Financial Statement Schedules152 Item 15 Signatures155 Exhibit 19Exhibit 21Exhibit 23Exhibit 31.1Exhibit 31.2Exhibit 32 BOK Financial Stock Trading and Transactional Reporting PolicySubsidiaries of the RegistrantConsent of Independent Registered Public Accounting F