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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">UNITED STATES</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Washington, D.C.&#160; 20549</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">FORM&nbsp;8-K</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">CURRENT REPORT</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">Pursuant to Section&nbsp;13 or 15(d)&nbsp;of the</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">Securities Exchange Act of 1934</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date of Report (Date of earliest event reported):<b> May&nbsp;20, 2013</b></font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">MB FINANCIAL,&nbsp;INC.</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Exact name of registrant as specified in its charter)</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Maryland</font></b></p>    </td>
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<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">0-24566-01</font></b></p>    </td>
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<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">36-4460265</font></b></p>    </td>   </tr>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(State or other jurisdiction<br>   of incorporation)</font></p>    </td>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Commission File No.)</font></p>    </td>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(IRS Employer<br>   Identification No.)</font></p>    </td>   </tr>  </table>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">800 West Madison Street, Chicago,&nbsp;Illinois 60607</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Address of principal executive offices) (Zip Code)</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Registrant&#146;s telephone number, including area code:<b>&#160; (888) 422-6562</b></font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">N/A</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Former name or former address, if changed since last report)</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Check the appropriate box below if the Form&nbsp;8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&nbsp;&nbsp;Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&nbsp;&nbsp;Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&nbsp;&nbsp;Pre-commencement communications pursuant to Rule&nbsp;14d-2(b)&nbsp;under the Exchange Act (17 CFR 240.14d-2(b))</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&nbsp;&nbsp;Pre-commencement communications pursuant to Rule&nbsp;13e-4(c)&nbsp;under the Exchange Act (17CFR 240.13e-4(c))</font></p>
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<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item 7.01. Regulation FD Disclosure</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Forward-Looking Statements</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">When used in this Current Report on Form&nbsp;8-K and in other reports filed with or furnished to the Securities and Exchange Commission, </font><font size="2" style="font-size:10.0pt;">in press releases or other public stockholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases &#147;believe,&#148; &#147;will,&#148; &#147;should,&#148; &#147;will likely result,&#148; &#147;are expected to,&#148; &#147;will continue&#148; &#147;is anticipated,&#148; &#147;estimate,&#148; &#147;project,&#148; &#147;plans,&#148; or similar expressions are intended to identify &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act of 1995.&nbsp;&nbsp;You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made.&nbsp;&nbsp;These statements may relate to our future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial items.&nbsp;&nbsp;By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Important factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following: (1)&nbsp;expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (2)&nbsp;the possibility that the expected benefits of the FDIC-assisted and other transactions we previously completed will not be realized; (3)&nbsp;the credit risks of lending activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses, which could necessitate additional provisions for loan losses, resulting both from loans we originate and loans we acquire from other financial institutions; (4)&nbsp;results of examinations by the Office of Comptroller of Currency, the Federal Reserve Board and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for loan losses or write-down assets; (5)&nbsp;competitive pressures among depository institutions; (6)&nbsp;interest rate movements and their impact on customer behavior and net interest margin; (7)&nbsp;the impact of repricing and competitors&#146; pricing initiatives on loan and deposit products; (8)&nbsp;fluctuations in real estate values; (9)&nbsp;the ability to adapt successfully to technological changes to meet customers&#146; needs and developments in the market place; (10)&nbsp;our ability to realize the residual values of our direct finance, leveraged, and operating leases; (11) our ability to access cost-effective funding; (12) changes in financial markets; (13) changes in economic conditions in general and in the Chicago metropolitan area in particular; (14) the costs, effects and outcomes of litigation; (15) new legislation or regulatory changes, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;) and regulations adopted thereunder, any changes in capital requirements pursuant to the Dodd-Frank Act and the implementation of the Basel III capital standards, other governmental initiatives affecting the financial services industry and changes in federal and/or state tax laws or interpretations thereof by taxing authorities; (16) changes in accounting principles, policies or guidelines; (17) our future acquisitions of other depository institutions or lines of business; and (18) future goodwill impairment due to changes in our business, changes in market conditions, or other factors.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MB Financial,&nbsp;Inc. does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date on which the forward-looking statement is made.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Set forth below are investor presentation materials.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2<a name="PB_2_120255_7056"></a></font></p>
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  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci001.gif" alt="GRAPHIC"></font></p>
  </td>
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  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Mitchell
  Feiger, President and Chief Executive Officer Jill E. York, Vice President
  and Chief Financial Officer Mark A. Heckler, Executive Vice President Wealth
  Management and Commercial Services of the Bank May 2013 NASDAQ: MBFI Investor
  Presentation </font></p>
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  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci002.gif" alt="GRAPHIC"></font></p>
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  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Forward-Looking
  Statements 1 When used in this presentation and in reports filed with or
  furnished to the Securities and Exchange Commission, in press releases or
  other public stockholder communications, or in oral statements made with the
  approval of an authorized executive officer, the words or phrases &#147;believe,&#148;
  &#147;will,&#148; &#147;should,&#148; &#147;will likely result,&#148; &#147;are expected to,&#148; &#147;will continue&#148;
  &#147;is anticipated,&#148; &#147;estimate,&#148; &#147;project,&#148; &#147;plans,&#148; or similar expressions are
  intended to identify &#147;forward-looking statements&#148; within the meaning of the
  Private Securities Litigation Reform Act of 1995. You are cautioned not to
  place undue reliance on any forward-looking statements, which speak only as
  of the date made. These statements may relate to our future financial
  performance, strategic plans or objectives, revenues or earnings projections,
  or other financial items. By their nature, these statements are subject to
  numerous uncertainties that could cause actual results to differ materially
  from those anticipated in the statements. Important factors that could cause
  actual results to differ materially from the results anticipated or projected
  include, but are not limited to, the following: (1) expected revenues, cost
  savings, synergies and other benefits from our merger and acquisition
  activities might not be realized within the anticipated time frames or at
  all, and costs or difficulties relating to integration matters, including but
  not limited to customer and employee retention, might be greater than
  expected; (2) the possibility that the expected benefits of the FDIC-assisted
  and other transactions we previously completed will not be realized; (3) the
  credit risks of lending activities, including changes in the level and
  direction of loan delinquencies and write-offs and changes in estimates of
  the adequacy of the allowance for loan losses, which could necessitate
  additional provisions for loan losses, resulting both from loans we originate
  and loans we acquire from other financial institutions; (4) results of examinations
  by the Office of Comptroller of Currency, the Federal Reserve Board and other
  regulatory authorities, including the possibility that any such regulatory
  authority may, among other things, require us to increase our allowance for
  loan losses or write-down assets; (5) competitive pressures among depository
  institutions; (6) interest rate movements and their impact on customer
  behavior and net interest margin; (7) the impact of repricing and
  competitors&#146; pricing initiatives on loan and deposit products; (8)
  fluctuations in real estate values; (9) the ability to adapt successfully to
  technological changes to meet customers&#146; needs and developments in the market
  place; (10) our ability to realize the residual values of our direct finance,
  leveraged, and operating leases; (11) our ability to access cost-effective
  funding; (12) changes in financial markets; (13) changes in economic
  conditions in general and in the Chicago metropolitan area in particular;
  (14) the costs, effects and outcomes of litigation; (15) new legislation or
  regulatory changes, including but not limited to the Dodd-Frank Wall Street
  Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;) and regulations
  adopted thereunder, any changes in capital requirements pursuant to the
  Dodd-Frank Act and the implementation of the Basel III capital standards,
  other governmental initiatives affecting the financial services industry and
  changes in federal and/or state tax laws or interpretations thereof by taxing
  authorities; (16) changes in accounting principles, policies or guidelines;
  (17) our future acquisitions of other depository institutions or lines of
  business; and (18) future goodwill impairment due to changes in our business,
  changes in market conditions, or other factors. We do not undertake any
  obligation to update any forward-looking statement to reflect circumstances
  or events that occur after the date on which the forward-looking statement is
  made. </font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Improved return
  on average assets (&#147;ROA&#148;), cash return on average tangible common equity
  (&#147;ROTCE&#148;) and net income Overall fee income growth Non-performing loans and
  non-performing assets decreased Net interest margin stable compared to prior
  quarter Annualized fully taxable equivalent net interest margin was 3.59% for
  the first quarter of 2013 compared to 3.57% for the fourth quarter of 2012
  and 3.87% for the first quarter of 2012 Decrease from a year ago was due to
  tightening spreads on loans in a very competitive environment as well as
  lower yields on investment securities. These decreases were partially offset
  by lower rates paid on deposits and a decrease in reliance on wholesale
  funding. Recent Company Highlights 2 1Q12 4Q12 1Q13 Change from 1Q12 to 1Q13
  Change from 4Q12 to 1Q13 Non-performing loans to total loans 2.15% 2.03%
  2.00% -0.15% -0.03% Non-performing assets to total assets 1.94% 1.62% 1.56%
  -0.38% -0.06% Net charge-offs (recoveries) to average loans 0.40% -0.17%
  0.25% -0.15% +0.42% 1Q12 4Q12 1Q13 Change from 1Q12 to 1Q13 Change from 4Q12
  to 1Q13 (dollars in thousands) Key fee initiatives 19,817 $&nbsp;28,028 $&nbsp;30,226 $&nbsp;+52.5% +7.8% Lease financing, net 6,958 12,419 16,263 +133.7% +31.0% Card
  fees 2,046 2,505 2,695 +31.7% +7.6% Core non-interest income to total
  revenues 26% 34% 35% +9.0% +1.0% 1Q12 4Q12 1Q13 Change from 1Q12 to 1Q13 Change
  from 4Q12 to 1Q13 (dollars in thousands) ROA 0.87% 1.01% 1.07% +0.2% +0.1%
  Cash ROTCE 9.36% 11.47% 12.53% +3.2% +1.1% Net income available to common
  stockholders 17,817 $&nbsp;24,012 $&nbsp;24,906 $&nbsp;+39.8% +3.7%</font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci004.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Company
  Strategy Build a bank with lower risk and consistently better returns than
  peers over the long term Develop balance sheet with superior profitability
  and lower risk Add great customers in our four business lines, whether they
  borrow or not Maintain low credit risk and low credit costs Attract low cost
  and stable funding Maintain strong liquidity and capital Focus intensely on
  fee income Fees need to be high quality, recurring, and profitable Not an
  easy task; requires meaningful investment Emphasize leasing, capital markets,
  international banking, cards, commercial deposit fees, treasury management,
  and trust and asset management Grow select fee businesses nationally
  (leasing, cards and treasury management) Invest in human talent Recruit and
  retain the best staff &#150; very low turnover rate of &#147;A&#148; employees Maintain
  strong training programs &#150; large commercial banker training program Be the
  employer of choice; Awards received &#150; ranked in the top 10 among the large
  employer category in the Chicago Tribune's Top 100 Workplaces survey two
  years in a row, and ranked among best places to work in National Top
  Workplace Survey Make opportunistic acquisitions Skilled and disciplined
  acquirer Long track record of successful integrations 3 </font></p>
  </td>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci005.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Lines of
  Business 4 Retail Banking Provides the majority of funding for commercial
  lending business; provides 58% of deposits and 15% of loans High percentage
  of core funding Low reliance on CDs Focuses on business banking customers and
  individuals that live or work near our branches Key fee initiatives include
  card services and treasury management services for business banking customers
  Wealth Management Provides customized private banking, trust, investment
  management, brokerage, and retirement plan services through a team of
  experienced advisors Specializes in serving business owners, high-net worth
  families, foundations, and endowments Focused on asset management, low-cost
  deposits, and private banking services Manages more than $2.9 billion of
  client assets through trust department and asset management subsidiary (Cedar
  Hill Associates, LLC) Commercial Banking Lending and depository services to
  middle-market companies with revenues ranging from $10 to $250mm
  &#147;Relationship banking&#148; culture; calling officers have 20+ years average
  experience Commercial and industrial and commercial real estate loan
  portfolio &#150; terms generally range from 1 to 5 years; 92% with total
  relationship credit exposure of $25 million or less; approximately 56% have a
  floating rate of interest (62% indexed to LIBOR and 38% indexed to Prime) Key
  fee initiatives include treasury management, capital markets, international
  banking and cross-selling wealth management products Note: Business line
  financial data as of March 31, 2013 Leasing Lease banking &#150; provides banking
  services to lessors located throughout the U.S.; lease and working capital
  loans and lease equity investments Lease loans totaled $1.3 billion at
  3/31/13 Lease loans are underwritten primarily on the creditworthiness of the
  lessee Lessees include mostly investment grade &#147;Fortune 1000&#148; companies
  located throughout the U.S. and large middle-market companies Lease
  originations and related services &#150; through our lease subsidiaries, LaSalle
  Systems Leasing, Inc. and Celtic Leasing Corp. Lease technology-related and
  material handling equipment to &#147;Fortune 1000&#148;, large middle-market companies,
  and healthcare providers located throughout the U.S. Specialize in selling
  third party equipment maintenance contracts to large companies </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci006.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Great Branch
  Footprint for Serving Business Customers 5 Chicago MSA &#150; 84 branches
  Regularly optimize branch network (closed 1 branch in 2013, 3 branches in
  2012 and 2 branches in 2011) Branches predominantly located in Cook and
  DuPage counties in the Chicago MSA where approximately 80% of middle-market
  companies are located Source: SNL Financial (11/2012) </font></p>
  </td>
 </tr>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci007.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Composition of
  the Loan Portfolio &#150; Favorable Mix Changes Improved loan mix over the last
  twelve months while total loan balances, excluding covered loans, increased
  3% from March 31, 2012. C&amp;I and lease loans increased as a percent of
  total portfolio from 39% to 45% from March 31, 2012 to March 31, 2013.
  Decreased emphasis on construction and commercial real estate loans; these
  categories went from 35% to 32% of the total portfolio. As expected, covered
  loans declined from a year ago. 6 (Dollars in millions) Balance Percent of
  Total Q1 Yield Balance Percent of Total Q1 Yield Change in Balance Commercial
  loans 1,040 $&nbsp;18% 4.76% 1,208 $&nbsp;21% 4.17% 16% Commercial loans collateralized
  by assignment of lease payments 1,210 21% 4.68% 1,348 24% 3.94% 11%
  Commercial real estate 1,877 32% 5.07% 1,743 30% 4.78% -7% Construction real
  estate 128 2% 4.18% 102 2% 3.94% -20% Residential real estate 310 5% 4.66%
  313 5% 4.20% 1% Other consumer loans 604 11% 4.87% 593 11% 4.76% -2% Gross
  loans, excluding covered loans 5,169 89% 4.90% 5,306 93% 4.43% 3% Covered
  loans 621 11% 6.18% 401 7% 4.47% -36% Total loans 5,790 $&nbsp;100% 5.04% 5,707 $&nbsp;100% 4.43% -1% March 31, 2012 March 31, 2013 </font></p>
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 </tr>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci008.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">NPL Composition
  March 31, 2013 Asset Quality Statistics &#150; Improvement Continues 7 Payment
  Status of NPLs Ratio 12/31/2009 12/31/2010 12/31/2011 12/31/2012 3/31/2012
  3/31/2013 ALLL to total loans 2.71% 2.90% 2.13% 2.15% 2.17% 2.13% NPLs to
  total loans 4.16% 5.48% 2.17% 2.03% 2.15% 2.00% ALLL to non-performing loans
  65.26% 53.03% 98.00% 106.17% 100.59% 106.88% Net charge-offs (recoveries) to
  average loans 3.09% 3.42% 2.90% (0.02%) 0.40% 0.25% At or For the Year Ended
  At or For the Three Months Ended NPL Compositopn March 31, 2013 lease $1mm
  (0.6%) Commercial $21mm (18.9%) Construction $1mm (0.9%) Consumer $33mm
  (29.0%) Commercial real estate $58mm (50.6%) In Millions NPLs more than 30
  days past due NPLs less than 30 days past due</font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci009.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Investment
  Securities Portfolio 8 Note: Includes available for sale and held to maturity
  securities as well as non-marketable securities (FRB and FHLB stock). Greater
  portion of investment portfolio allocated to municipal securities. Better
  positioned than a year ago given the current interest rate environment. Tax
  US Gov't Equivalent Balance maturing in (1) Agency MBS Municipals Corporate
  Equity (2) Total Yield Year 1 6 $&nbsp;303 $&nbsp;41 $&nbsp;- $&nbsp;- $&nbsp;351 $&nbsp;1.61% Year 2 - 191
  47 - - 239 2.09% Year 3 - 140 50 10 - 200 2.91% Year 4 30 141 105 17 - 292
  3.76% Year 5 122 77 123 - 322 3.55% Year 6 - 73 74 26 - 173 3.94% Year 7 - 24
  71 - - 96 4.68% Year 8 - 11 146 - - 157 5.05% Year 9 - 6 202 - - 208 5.28%
  Year 10 - 4 51 - - 55 4.05% Over 10 Years - 17 8 5 63 94 4.05% Total Par 36 $&nbsp;1,033 $&nbsp;873 $&nbsp;181 $&nbsp;63 $&nbsp;2,186 $&nbsp;3.44% Estimated Fair Value 41 $&nbsp;1,117 $&nbsp;1,000 $&nbsp;198 $&nbsp;64 $&nbsp;2,419 $&nbsp;Appreciation 2 $&nbsp;34 $&nbsp;56 $&nbsp;1 $&nbsp;0 $&nbsp;94 $&nbsp;Duration
  (Years) 2.5 2.2 4.4 3.6 3.2 Tax Equivalent Yield 3.11% 1.93% 5.33% 2.80%
  3.86% 3.44% (1) Includes maturities and estimated paydowns in the case of
  MBS. (2) Primarily consists of FHLB and FRB stock. Maturity/Paydown Analysis
  March 31, 2013 (Dollars in millions) </font></p>
  </td>
 </tr>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci010.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Liquidity
  Ratios &#150; Robust Liquidity (A) Total deposits (excluding brokered deposits)
  and customer repurchase agreements/Total deposits, customer repurchase agreements
  and other borrowings. 9 Strong liquidity Not reliant on non-core funding High
  lending capacity </font></p>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci011.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Low Cost
  Deposit Base &#150; Improved Mix Deposit mix improved significantly over the last
  several years. Not reliant on wholesale funding. To lower future funding
  costs, we prepaid in third quarter of 2012: $100 million FHLB advance with an
  interest rate of 3.85% $101 million of brokered deposits with an average
  interest rate of 3.16% $6.2 million of junior subordinated notes with an
  interest rate of 10.6% In the first quarter of 2013, we prepaid a $50 million
  subordinated debt facility with an interest rate of 3-month LIBOR +1.70%. 10
  Percent Percent Percent Percent Percent Amount of Total Amount of Total
  Amount of Total Amount of Total Amount of Total Noninterest bearing deposits
  1,552 $&nbsp;18% 1,692 $&nbsp;21% 1,886 $&nbsp;25% 2,165 $&nbsp;29% 2,067 $&nbsp;28% Money market and
  NOW accounts 2,776 32% 2,776 34% 2,645 34% 2,747 36% 2,779 37% Savings
  accounts 584 7% 698 8% 754 10% 811 11% 834 11% 4,912 57% 5,166 63% 5,285 69%
  5,723 76% 5,680 76% Certificates of deposit 3,243 37% 2,519 31% 1,926 25%
  1,525 20% 1,478 20% Brokered deposit accounts 528 6% 468 6% 437 6% 294 4% 294
  4% 3,771 43% 2,987 37% 2,363 31% 1,819 24% 1,772 24% 8,683 $&nbsp;100% 8,153 $&nbsp;100% 7,648 $&nbsp;100% 7,542 $&nbsp;100% 7,452 $&nbsp;100% Customer repurchase agreements
  224 $&nbsp;28% 265 $&nbsp;37% 216 $&nbsp;34% 208 $&nbsp;43% 219 $&nbsp;50% Wholesale borrowings 381
  46% 239 34% 220 34% 79 16% 69 16% Subordinated debt and junior subordinated
  notes issued to capital trusts 209 26% 209 29% 209 32% 202 41% 152 34% 814 $&nbsp;100% 713 $&nbsp;100% 645 $&nbsp;100% 489 $&nbsp;100% 440 $&nbsp;100% 12/31/2010 12/31/2011
  12/31/2012 (Dollars in millions) 3/31/2013 12/31/2009 Total borrowings Total
  deposits Low cost deposits: Total low cost deposits Certificates of deposit:
  Total certificates of deposit Borrowings: </font></p>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci012.gif" alt="GRAPHIC"></font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Capital
  Composition &#150; Dominated by Common Equity Capital Composition 3/31/2012
  Capital Composition 3/31/2013 11 2012 2013 Common stock 1,175 $&nbsp;1,259 $&nbsp;Noncontrolling interest 2 1 Trust preferred securities 154 148 Less goodwill
  and intangibles (405) (446) Other deductions (1) (1) Tier 1 Capital 925 961
  Subordinated debt 50 - ALLL includible in tier 2 capital 78 81 Tier 2 Capital
  128 81 Total risk-based capital 1,053 $&nbsp;1,042 $&nbsp;(In millions) March 31, </font></p>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci013.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Summary Income
  Statement &#150; Profitability has Rebounded 12 (1) Annualized 2009 2010 2011 2012
  2012 2013 Interest income 394 $&nbsp;430 $&nbsp;385 $&nbsp;335 $&nbsp;89 $&nbsp;75 $&nbsp;Interest expense
  143 90 59 43 12 7 Net interest income 251 340 325 293 77 68 Provision for
  credit losses 232 246 121 (9) 3 - Net interest income after provision for
  credit losses 19 94 205 302 74 68 Other income 127 186 109 112 23 38 Other
  expenses 224 259 270 286 67 71 Income (loss) before income taxes (78) 21 44
  127 30 35 Applicable income tax expense (benefit) (45) 0 5 37 8 10 Income
  (loss) from continuing operations (33) 21 39 90 21 25 Income from
  discontinued operations, net of income tax 7 - - - - - Net income (loss) (26)
  21 39 90 21 25 Dividends and discount accretion on preferred shares 10 10 10
  3 3 - Net income (loss) available to common stockholders (36) $&nbsp;10 $&nbsp;28 $&nbsp;87
  $&nbsp;18 $&nbsp;25 $&nbsp;For the Year Ended December 31, For the Three Months Ended March
  31, (In millions) </font></p>
  </td>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci014.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Performance
  Ratios &#150; Reflects Improving Operations 13 (1) Annualized </font></p>
  </td>
 </tr>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci015.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Key Fee
  Initiatives &#150; Becoming More Meaningful 14 Capital markets fees Team built in
  first quarter of 2012 Includes fees for the following services: derivatives
  and interest rate risk solutions, capital solutions, merger and acquisition
  advisory and real estate debt placement International banking fees Team built
  two years ago Includes fees for the following services: trade services
  (letters of credit), export trade finance, and foreign exchange Commercial
  deposit and treasury management fees Includes fees for the following services:
  account management, payments systems access, information management, and
  fraud and risk mitigation Expanding nationally where we have expertise Lease
  financing Includes fees related to equipment leases as well as selling third
  party equipment maintenance contracts Trust and asset management fees Wealth
  management solutions for individuals, corporations and not-for-profits
  Includes fees for the following services: investment management, custody,
  personal trust, financial planning, and wealth advisory services for high net
  worth individuals Card fees Expanded into prepaid and credit cards in 2012
  Includes fees for debit, credit, prepaid, incentive and gift cards 2009 2010
  2011 2012 2012 2013 Key fee initiatives: Capital markets and international
  banking fees 502 $&nbsp;344 $&nbsp;1,870 $&nbsp;$&nbsp;5,086 $&nbsp;$&nbsp;512 $&nbsp;808 $&nbsp;Commercial deposit
  and treasury management fees 16,545 21,806 23,559 23,636 5,897 5,966 Lease
  financing, net 18,528 21,853 26,939 36,382 6,958 16,263 Trust and asset
  management fees 12,593 15,037 17,324 17,990 4,404 4,494 Card fees 4,558 7,057
  7,032 9,368 2,046 2,695 Total key fee initiatives 52,726 $&nbsp;66,097 $&nbsp;76,724 $&nbsp;92,462 $&nbsp;19,817 $&nbsp;30,226 $&nbsp;(In Thousands) Year Ended December 31, Three
  Months Ended March 31, </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci016.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Market Leading
  Operating Performance 15 Source: Company filings, SNL Financial Note: Chicago
  peers consist of public banks headquartered in Chicago MSA with assets
  between $2.0bn and $16.6bn at March 31, 2013 and include: First Midwest, Old
  Second, PrivateBancorp, Taylor Capital, Wintrust Net non-interest expense /
  average assets (%) Core non-interest income / revenues - FTE (%) Asset yields
  - FTE (%) Pre-tax, pre-provision operating earnings - FTE / risk-weighted
  assets (%) Cost of funds (%) MBFI Chicago Peers Median Net interest margin -
  FTE (%) 15 (1) Annualized 25 25 27 29 35 25 23 24 29 32 2009 2010 2011 2012
  1Q13 4.59 4.82 4.59 4.24 3.96 4.82 4.54 4.23 3.95 5.00 2009 2010 2011 2012
  1Q13 (1) 1.67 0.70 0.52 0.38 1.73 1.13 0.90 0.66 0.57 0.99 2009 2010 2011
  2012 1Q13 (1) 2.97 3.90 3.73 3.59 3.83 3.28 3.46 3.52 3.51 3.04 2009 2010
  2011 2012 1Q13 (1) </font></p>
  </td>
 </tr>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci017.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Stronger
  Capital Than Local Peers 16 Source: Company filings, SNL Financial Note:
  Chicago peers consist of median data for public banks headquartered in
  Chicago MSA with assets between $2.0bn and $16.6bn at March 31, 2013 and
  include: First Midwest, Old Second, PrivateBancorp, Taylor Capital, Wintrust.
  TCE / TA (%) Tier I Capital Ratio (%) Total Risk-Based Capital Ratio (%) TCE
  / RWA (%) MBFI Chicago Peers Median 6.2 7.5 8.4 9.1 9.5 5.5 7.3 7.6 7.6 8.1
  2009 2010 2011 2012 1Q13 8.8 10.9 12.5 13.1 13.3 6.5 8.8 9.0 8.9 9.2 2009
  2010 2011 2012 1Q13 15.5 17.8 19.4 16.6 16.2 13.6 14.0 14.0 13.4 14.0 2009
  2010 2011 2012 1Q13 13.5 15.8 17.3 14.7 15.0 11.4 12.3 11.7 11.2 11.7 2009
  2010 2011 2012 1Q13 </font></p>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci018.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">17 Source:
  Company filings, SNL Financial Note: Chicago peers consist of median data for
  public banks headquartered in Chicago MSA with assets between $2.0bn and
  $16.6bn at March 31, 2013 and include: First Midwest, Old Second,
  PrivateBancorp, Taylor Capital, Wintrust. NPAs / Assets (%) Reserves / Loans
  (%) Reserves / NPLs (%) Credit Metrics Compared to Local Peers Reserves /
  Loans (%) NPLs / Loans (%) MBFI Chicago Peers Median 2.84 4.21 2.12 1.62 1.56
  3.72 3.93 2.93 1.59 1.63 2009 2010 2011 2012 1Q13 65 53 98 106 107 62 63 82
  106 102 2009 2010 2011 2012 1Q13 2.71 2.90 2.13 2.15 2.13 2.71 2.75 2.18 2.00
  1.98 2009 2010 2011 2012 1Q13 4.16 5.48 2.17 2.03 2.00 4.41 4.55 3.05 1.80
  1.94 2009 2010 2011 2012 1Q13 </font></p>
  </td>
 </tr>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci019.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Valuable
  Position in the Chicago MSA Rank Institution Branches Total deposits in
  market ($mm) Total market share (%) 1 JPMorgan Chase 439 70,527 22.5 2 BMO
  Financial Group 229 36,303 11.6 3 Bank of America 172 22,992 7.3 4 Northern
  Trust 12 22,185 7.1 5 Wintrust Financial 111 13,355 4.2 6 PNC Financial Services
  153 11,714 3.7 7 Fifth Third 180 11,000 3.5 8 Citigroup 74 10,542 3.4 9
  PrivateBancorp 20 9,176 2.9 10 MB Financial1 84 7,542 2.4 11 US Bancorp 89
  6,254 2.0 12 First Midwest 85 6,070 1.9 13 Royal Bank of Scotland 105 5,459
  1.7 14 Wells Fargo 9 4,600 1.5 15 TCF Financial 201 3,938 1.3 All other
  institutions 1,205 72,194 23.0 MSA Total 3,168 313,851 100.0 Rank Institution
  Branches Total deposits in market ($mm) Total market share (%) 1 JPMorgan
  Chase 326 38,407 16.0 2 ABN Amro (LaSalle Bank) 140 30,957 12.9 3 Harris
  (Bank of Montreal) 192 23,237 9.7 4 Northern Trust 18 8,461 3.5 5 Fifth Third
  123 8,052 3.4 6 Royal Bank of Scotland 136 6,446 2.7 7 Wintrust Financial 55
  6,019 2.5 8 Corus Bankshares 14 5,500 2.3 9 Citigroup 51 5,441 2.3 10 MAF
  Bancorp 49 4,904 2.0 11 National City 59 4,528 1.9 12 First Midwest 56 4,488
  1.9 13 Bank of America 31 4,159 1.7 14 MB Financial 39 3,770 1.6 15 FBOP Corp
  25 2,824 1.2 All other institutions 1,686 82,474 34.4 MSA Total 3,000 239,667
  100.0 Current Chicago MSA Rankings 2005 Chicago MSA Rankings Source: SNL
  Financial Note: Data as of June 30, 2012 reflects acquisitions post June 30,
  2012 1 MB Financial deposits as of 3/31/2013 18 </font></p>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci020.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Market Share of
  Top Banks in 10 Largest U.S. MSAs 19 Market share of top 10 banks in 10
  largest U.S. MSAs Market share of top 3 banks in 10 largest U.S. MSAs Source:
  SNL Financial as 6/30/2012 </font></p>
  </td>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci021.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">20 Skilled
  Acquirer Skilled acquirer of both depository and non-depository entities
  Fifteen acquisitions since 2000 Disciplined financial analyses focused on:
  Internal rates of return Returns on invested capital Long-term per share
  earnings accretion Long track record of successful and rapid employee,
  customer and systems integrations Ability to manage multiple integrations
  simultaneously Branch network size and location makes acquired branch
  consolidations more likely to result in enhanced expense savings
  opportunities Company culture suited for acquisitions </font></p>
  </td>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci022.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">21 2001 2002
  2004 2006 2008 2004 First SecurityFed Financial (Chicago, IL) January 9, 2004
  2002 South Holland Bancorp (South Holland, IL) November 1, 2002 LaSalle
  Systems Leasing, Inc. July 22, 2002 2006 First Oak Brook Bancshares (Oak
  Brook, IL) May 1, 2006 2009 Heritage Community Bank (Glenwood, IL) February
  27, 2009 InBank (Oak Forest IL) September 4, 2009 Corus Bank (Chicago, IL)
  September 11, 2009 Benchmark Bank (Aurora, IL) December 4, 2009 Source:
  Company filings Note: Transaction dates indicate announcement date 2008 Cedar
  Hill Associates, LLC (Chicago, IL) April 18, 2008 Track Record of Being a
  Disciplined Acquirer and Experienced Integrator 2009 2010 2010 Broadway Bank
  (Chicago, IL) April 23, 2010 New Century Bank (Chicago, IL) April 23, 2010
  2001 FSL Holdings, Inc. (South Holland, IL) February 8, 2001 MidCity
  Financial (Chicago, IL) April 19, 2001 First Lincolnwood (Lincolnwood, IL)
  December 27, 2001 2012 2012 Celtic Leasing Corp. (Irvine, CA) December 28,
  2012 2003 2005 2007 2011 </font></p>
  </td>
 </tr>
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  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci023.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Summary
  Objectives Build a bank with lower risk and consistently better returns than
  peers over the long term Develop a balance sheet with superior profitability
  and lower risk Maintain a strong focus on fee income and profits from fee
  services Invest in human talent Make opportunistic acquisitions 22 </font></p>
  </td>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci024.gif" alt="GRAPHIC"></font></p>
  </td>
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  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">&nbsp;Leasing Appendix 23 </font></p>
  </td>
 </tr>
</table>

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  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci025.gif" alt="GRAPHIC"></font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Components of our
  Leasing Business Lease Banking Our lease banking group provides banking
  services to equipment lessors located throughout the U.S. Debt financing
  Working capital financing Partners with customers on equity/residual
  investments in leases Treasury management services Debt financing (Lease
  Loans) are non-recourse loans to lessors, collateralized by leased equipment
  and underwritten based on the financial wherewithal of each lessee. Lessees
  generally consist of investment grade Fortune 1000, large middle-market, and
  health care companies located throughout the U.S. No residual risk on Lease
  Loans funded with third parties. Most loans fully amortize over periods
  ranging from 30 to 60 months. Credit experience has been stellar.
  Non-performing loans and charge-offs have been minimal for more than 10
  years. Lease Loans outstanding totaled $1.3 billion at 3/31/2013. Revenues
  from Lease Loans and working capital financing are reflected in interest
  income. 24 </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci026.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Components of
  our Leasing Business (Continued) Lease Originations Leases are originated
  directly through our LaSalle and Celtic subsidiaries ($75 to $100 million per
  year per company). Leased equipment generally consists of technology-related
  and material handling equipment. Direct Finance and Leverage Leases are
  grouped with Lease Loans on the balance sheet. Operating Leases are reflected
  in the Other Assets section of the balance sheet under the heading Lease
  Investments, Net. Lessors generally finance much of their equipment cost with
  debt (85% to 95% of original equipment cost). The amount of debt available is
  based on the present value of future lease payments discounted at prevailing
  market interest rates. The portion of the equipment cost not funded with debt
  represents the equity or residual investment in the lease. Our residual
  investments in equipment leases totaled $75 million at 3/31/2013. Residual
  income is accreted over the life of the lease so that at the end of the lease
  term the accreted residual amount approximates the fair value of the leased
  equipment. 25 </font></p>
  </td>
 </tr>
</table>

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<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci027.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Components of
  our Leasing Business (Continued) Lease Originations (continued) Interest
  income on Direct Finance and Leverage Leases and accreted residual income on
  Direct Finance and Leverage Leases are included in Interest Income. Lease
  payments on Operating Leases plus residual income that is accreted on
  Operating Leases less depreciation on equipment underlying Operating Leases
  are included in Lease Financing Fee Income. At the end of a lease term the
  lease may be renewed, extended on a month-to-month basis, or the equipment
  may be returned and sold. Proceeds received as a result of lease renewals and
  equipment sales less the residual investment in a lease results in a gain or
  loss that is reflected in Lease Financing Fee Income. Other leasing related
  services included in Lease Financing Fee Income We broker maintenance
  contracts sold by equipment manufacturers to our customers covering equipment
  leased from MB as well as other equipment owned or leased by our clients.
  Equipment manufacturers are responsible for completing any maintenance
  covered by a maintenance contract. Maintenance contract revenue is presented
  net of the related cost of sales paid to the third party provider. Components
  of our Leasing Business (Continued) 26 </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci028.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Interest income
  includes: Interest income on Lease Loans Interest income on Direct Finance
  Leases Interest income on Leverage Leases, less related funding cost Residual
  accretion on Direct Finance and Leverage Leases Lease financing fee income
  includes: Rental payments on Operating Leases Depreciation expense on
  Operating Leases Residual accretion on Operating Leases Gains or losses on
  residuals Interim rent Equipment maintenance contract revenue, less related
  cost of sales Vendor promotional revenue related to equipment maintenance
  contracts Income Statement Geography 27 </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci029.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">&nbsp;Non-GAAP Disclosure Appendix 28 </font></p>
  </td>
 </tr>
</table>

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<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci030.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations This presentation contains certain financial
  information determined by methods other than in accordance with accounting
  principles generally accepted in the United States of America (GAAP). These
  measures include net interest margin on a fully tax equivalent basis; ratio
  of core non-interest income to total revenue on a fully tax equivalent basis,
  ratio of net non-interest expense to average assets and ratio of pre-tax,
  pre-provision operating earnings on a fully tax equivalent basis to
  risk-weighted assets, with net gains and losses on investment securities, net
  gains and losses on sale of other assets, net gain on sale of loans held for
  sale, net gains and losses on other real estate owned, acquisition related
  gains and increase (decrease) in market value of assets held in trust for
  deferred compensation excluded from the calculations of the non-interest
  income, core non-interest income and pre-tax, pre-provision operating
  earnings components of these ratios, and the FDIC special assessment expense,
  impairment charges, prepayment fees on interest-bearing liabilities and
  increase (decrease) in market value of assets held in trust for deferred
  compensation excluded from the non-interest expense components of the ratios
  of net non-interest expense to average assets and pretax, pre-provision
  operating earnings, on a fully tax equivalent basis to risk-weighted assets with
  tax equivalent adjustments for tax-exempt interest income and increase in
  cash surrender value of life insurance, as applicable; ratios of tangible
  common equity to risk weighted assets and tangible common equity to tangible
  assets; core funding to total funding; and cash return on average tangible
  common equity (net cash flow available to common stockholders divided by
  average tangible common equity). Our management uses these non-GAAP measures,
  together with the related GAAP measures, in its analysis of our performance
  and in making business decisions. Management also uses these measures for
  peer comparisons. The tax equivalent adjustments to net interest margin,
  pre-tax, pre-provision operating earnings, non-interest income and total
  revenue recognizes the income tax savings when comparing taxable and
  tax-exempt assets and assumes a 35% tax rate. Management believes that others
  within the banking industry present these measures on a fully tax equivalent
  basis, and accordingly believes that providing these measures may be useful
  for peer comparison purposes. For the same reasons, management believes the
  tax equivalent adjustments for tax-exempt interest income and increase in
  cash surrender value of life insurance are useful. Management believes that
  pre-tax, pre-provision operating earnings are a useful measure in assessing
  our operating performance, particularly during times of economic stress. In
  recent periods, our results of operations have been negatively impacted by
  adverse economic conditions, as seen in our elevated levels of loan
  charge-offs and provision for credit losses. Management believes that
  measuring earnings before the impact of the provision for credit losses makes
  our financial data more comparable between reporting periods so that investors
  can better understand our operating performance trends. Management also
  believes that this is a standard figure used in the banking industry to
  measure performance. Management believes that core and non-core non-interest
  income and expense are useful in assessing our operating performance and in
  understanding the primary drivers of our non-interest income and expense when
  comparing periods. Management, likewise, believes that presenting the ratio
  of core funding to total funding is useful in understanding our funding
  sources when comparing periods. 29 </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci031.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) Management also believes that by
  excluding net gains and losses on investment securities, net gains and losses
  on sale of other assets, net gain on sale of loans held for sale, net gains
  and losses on other real estate owned, acquisition related gains and increase
  (decrease) in market value of assets held in trust for deferred compensation
  from the other (non-interest) income components and excluding the FDIC
  special assessment expense, impairment charges, prepayment fees on
  interest-bearing liabilities and increase (decrease) in market value of
  assets held in trust for deferred compensation from the other (non-interest)
  expense components of the ratios of net non-interest expense to average
  assets and pre-tax, pre-provision operating earnings on a fully tax
  equivalent basis to risk-weighted assets and, in the case of the
  income-related items, the ratio of core non-interest income to total revenue
  on a fully tax equivalent basis, this information better reflects our
  operating performance, as the excluded items do not pertain to our core
  business operations and their exclusion makes this information more
  meaningful when comparing our operating results from period to period. The
  ratios of tangible common equity to tangible assets and tangible common
  equity to risk-weighted assets exclude goodwill and other intangible assets,
  net of tax benefits, in determining tangible assets and tangible common
  equity. Management believes that the presentation of these measures excluding
  the impact of such items provides useful supplemental information that is
  helpful in understanding our financial results, as they provide a method to
  assess management&#146;s success in utilizing our tangible capital as well as our
  capital strength. Management also believes that providing measures that
  exclude balances of goodwill and other intangible assets, which are
  subjective components of valuation, facilitates the comparison of our
  performance with the performance of our peers. In addition, management
  believes that these are standard financial measures used in the banking
  industry to evaluate performance. The non-GAAP disclosures contained herein
  should not be viewed as substitutes for the results determined to be in
  accordance with GAAP, nor are they necessarily comparable to non-GAAP
  performance measures that may be presented by other companies. The following
  table reconciles net interest margin on a fully tax equivalent basis to net
  interest margin for the periods presented: 30 Net interest margin 2009 2010
  2011 2012 1Q12 (1) 4Q12 (1) 1Q13 (1) Net interest margin 2.85% 3.72% 3.75%
  3.49% 3.64% 3.31% 3.32% Plus: tax equivalent effect 0.12% 0.11% 0.15% 0.24%
  0.23% 0.26% 0.27% Net interest margin, fully tax equivalent 2.97% 3.83% 3.90%
  3.73% 3.87% 3.57% 3.59% (1) Annualized </font></p>
  </td>
 </tr>
</table>

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<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci032.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a
  reconciliation of tangible common equity to common stockholders&#146; equity (in
  thousands): 31 The following table presents a reconciliation of average
  tangible common equity to average common stockholders&#146; equity (in thousands):
  The following table presents a reconciliation of net cash flow available to
  common stockholders to net income available to common stockholders (in
  thousands): $&nbsp;853,255 $&nbsp;833,218 $&nbsp;792,068 $&nbsp;740,760 $&nbsp;646,079 Tangible common
  equity 18,179 19,183 19,171 22,853 24,510 Less: other intangible, net of tax
  benefit 423,369 423,369 387,069 387,069 387,069 Less: goodwill $&nbsp;1,294,803 $&nbsp;1,275,770 $&nbsp;1,198,308 $&nbsp;1,150,682 $&nbsp;1,057,658 Common stockholders' equity -
  as reported 2013 2012 2011 2010 2009 March 31, December 31, $&nbsp;25,910 $&nbsp;24,825
  $&nbsp;18,634 $&nbsp;90,362 $&nbsp;31,996 $&nbsp;14,185 $&nbsp;(33,505) Net cash flow available to
  common stockholders 1,004 813 817 3,257 3,682 4,039 2,919 Add: other
  intangible amortization expense, net of tax $&nbsp;24,906 $&nbsp;24,012 $&nbsp;17,817 $&nbsp;87,105 $&nbsp;28,314 $&nbsp;10,146 $&nbsp;(36,424) Net income available to common
  stockholders - as reported 1Q13 4Q12 1Q12 2012 2011 2010 2009 $&nbsp;838,941 $&nbsp;861,070 $&nbsp;800,574 $&nbsp;831,147 $&nbsp;756,382 $&nbsp;724,966 $&nbsp;526,469 Average tangible
  common equity 18,611 16,238 18,721 17,465 20,865 23,154 18,971 Less: other
  intangible, net of tax benefit 423,369 387,464 387,069 387,168 387,069
  387,069 387,069 Less: goodwill $&nbsp;1,280,921 $&nbsp;1,264,772 $&nbsp;1,206,364 $&nbsp;1,235,780 $&nbsp;1,164,316 $&nbsp;1,135,189 $&nbsp;932,509 Average common stockholders'
  equity - as reported 1Q13 4Q12 1Q12 2012 2011 2010 2009 </font></p>
  </td>
 </tr>
</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci033.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a reconciliation
  of tangible assets to total assets (in thousands): 32 $&nbsp;8,944,282 $&nbsp;9,129,253
  $&nbsp;9,426,832 $&nbsp;9,910,442 $&nbsp;10,453,814 Tangible assets 18,179 19,183 19,171
  22,853 24,510 Less: other intangible, net of tax benefit 423,369 423,369
  387,069 387,069 387,069 Less: goodwill $&nbsp;9,385,830 $&nbsp;9,571,805 $&nbsp;9,833,072 $&nbsp;10,320,364 $&nbsp;10,865,393 Total assets - as reported 2013 2012 2011 2010 2009
  March 31, December 31, </font></p>
  </td>
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</table>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci034.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 33 Net Non-interest Expense to Average
  Assets Calculation (in thousands) 2009 2010 2011 2012 1Q13 Non-interest
  expense 223,750 $&nbsp;258,776 $&nbsp;269,633 $&nbsp;286,436 $&nbsp;71,099 $&nbsp;Adjustment for FDIC
  special assessment 3,850 - - - - Adjustment for prepayment fees on interest
  bearing liabilities - - - 12,682 - Adjustment for impairment charges 4,000 -
  1,594 2,190 - Adjustment for (decrease) increase in market value of assets
  held in trust for deferred compensation 710 562 (40) 811 483 Non-interest
  expense - as adjusted 215,190 258,214 268,079 270,753 70,616 Non-interest
  income 127,154 185,756 109,106 111,599 38,373 Less net gains (losses) on
  investment securities 14,029 18,648 640 555 (1) Less net (losses) gains on
  sale of other assets (13) 630 283 (942) - Less net gain on sale of loans held
  for sale - - 1,790 - - Less net losses on other real estate owned (429)
  (9,284) (13,613) (17,594) (330) Less acquisition related gains 28,547 62,649
  - - - Less (decrease) increase in market value of assets held in trust for
  deferred compensation 710 562 (40) 811 483 Non-interest income - as adjusted
  84,310 112,551 120,046 128,769 38,221 Less tax equivalent adjustment on the
  increase in cash surrender value of life insurance 1,324 1,893 2,357 1,922
  454 Net non-interest expense 129,556 $&nbsp;143,770 $&nbsp;145,676 $&nbsp;140,062 $&nbsp;31,941 $&nbsp;Average assets 9,777,288 $&nbsp;10,506,028 $&nbsp;9,956,133 $&nbsp;9,547,985 $&nbsp;9,449,588 $&nbsp;Net non-interest expense to average assets 1.33% 1.37% 1.46% 1.47% 1.37% </font></p>
  </td>
 </tr>
</table>

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  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci035.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 34 Pre-Tax, Pre-Provision Operating
  Earnings (in thousands) 2009 2010 2011 2012 1Q13 (Loss) income before income
  taxes (77,844) $&nbsp;20,552 $&nbsp;43,996 $&nbsp;126,851 $&nbsp;34,959 $&nbsp;Provision for credit
  losses 231,800 246,200 120,750 (8,900) - Pre-tax, pre-provision earnings
  153,956 266,752 164,746 117,951 34,959 Tax equivalent adjustment on
  tax-exempt interest income 10,625 10,458 13,188 20,429 5,555 1,324 1,893
  2,357 1,922 454 Pre-tax, pre-provision earnings on a fully tax equivalent
  basis 165,905 279,103 180,291 140,302 40,968 Non-core non-interest income Net
  losses on other real estate owned (429) (9,284) (13,613) (17,594) (330) Net
  gains (losses) on investment securities 14,029 18,648 640 555 (1) Net (loss)
  gain on sale of other assets (13) 630 283 (942) - Net gain on sale of loans
  held for sale - - 1,790 - - Acquisition related gains 28,547 62,649 - - -
  Increase (decrease) in market value of assets held in trust for deferred
  compensation 710 562 (40) 811 483 Total non-core non-interest income 42,844
  73,205 (10,940) (17,170) 152 Non-core non-interest expense FDIC special
  assessment 3,850 - - - - Prepayment fees on interest bearing liabilities - -
  - 12,682 - Impairment charges 4,000 - 1,594 2,190 - Increase (decrease) in
  market value of assets held in trust for deferred compensation 710 562 (40)
  811 483 Total non-core non-interest expense 8,560 562 1,554 15,683 483
  Pre-tax, pre-provision operating earnings 131,621 $&nbsp;206,460 $&nbsp;192,785 $&nbsp;173,155 $&nbsp;41,299 $&nbsp;Risk-weighted assets 7,315,255 $&nbsp;6,772,762 $&nbsp;6,345,357 $&nbsp;6,373,564 $&nbsp;6,422,068 $&nbsp;Annualized pre-tax, pre-provision operating earnings
  to risk-weighted assets 1.80% 3.05% 3.04% 2.72% 2.61% Tax equivalent
  adjustment on the increase in cash surrender value of life insurance </font></p>
  </td>
 </tr>
</table>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci036.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 35 Core non-interest income (in
  thousands) 2009 2010 2011 2012 1Q12 4Q12 1Q13 Non-interest income 127,154 $&nbsp;185,756 $&nbsp;109,106 $&nbsp;111,599 $&nbsp;22,854 $&nbsp;36,285 $&nbsp;38,373 $&nbsp;Less net gains
  (losses) on investment securities 14,029 18,648 640 555 (3) 311 (1) Less net
  (losses) gains on sale of other assets (13) 630 283 (942) (17) (905) - Less
  net gain on sale of loans held for sale (A) - - 1,790 - - - - Less net losses
  on other real estate owned (B) (429) (8,511) (9,971) (14,503) (4,348) (1,848)
  (319) Less (losses) net gains on other real estate owned related to FDIC
  transactions (B) - (773) (3,642) (3,091) (2,241) 222 (11) Less acquisition
  related gains 28,547 62,649 - - - - - Less (decrease) increase in market
  value of assets held in trust for deferred compensation (A) 710 562 (40) 811
  501 104 483 Plus tax equivalent adjustment on the increase in cash surrender
  value of life insurance 1,324 1,893 2,357 1,922 494 481 454 Core non-interest
  income, fully tax equivalent 85,634 $&nbsp;114,444 $&nbsp;122,403 $&nbsp;130,691 $&nbsp;29,456 $&nbsp;38,882 $&nbsp;38,675 $&nbsp;The following letters denote the corresponding line items
  where these non-core other income items reside in the consolidated statements
  of income: (A) - Other operating income (B) - Net loss recognized on other
  real estate owned </font></p>
  </td>
 </tr>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci037.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 36 Total revenue, fully tax equivalent
  reconciliation (in thousands) 2009 2010 2011 2012 1Q12 4Q12 1Q13 Net interest
  income 250,552 $&nbsp;339,772 $&nbsp;325,273 $&nbsp;292,788 $&nbsp;77,093 $&nbsp;69,516 $&nbsp;67,685 $&nbsp;Plus: tax equivalent effect 10,625 10,458 13,188 20,429 4,756 5,360 5,555 Net
  interest income, fully tax equivalent 261,177 350,230 338,461 313,217 81,849
  74,876 73,240 Core non-interest income 84,310 112,551 120,046 128,769 28,962
  38,401 38,221 Plus: tax equivalent adjustment on the increase in cash
  surrender value of life insurance 1,324 1,893 2,357 1,922 494 481 454 Total
  revenues, fully tax equivalent 346,811 $&nbsp;464,674 $&nbsp;460,864 $&nbsp;443,908 $&nbsp;111,305 $&nbsp;113,758 $&nbsp;111,915 $&nbsp;Core non-interest income to revenues, fully tax
  equivalent 25% 25% 27% 29% 26% 34% 35% </font></p>
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 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g128411bci001.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Mitchell
  Feiger, President and Chief Executive Officer Jill E. York, Vice President
  and Chief Financial Officer Mark A. Heckler, Executive Vice President Wealth
  Management and Commercial Services of the Bank May 2013 NASDAQ: MBFI Investor
  Presentation </font></p>
  </td>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SIGNATURES</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, MB Financial,&nbsp;Inc. has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on the 20</font><font size="1" style="font-size:6.5pt;position:relative;top:-3.0pt;">th </font><font size="2" style="font-size:10.0pt;">day of May, 2013.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
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<td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">MB FINANCIAL,&nbsp;INC.</font></b></p>    </td>   </tr>
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<td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="45%" valign="top" style="padding:0in 0in 0in 0in;width:45.58%;">
<p align="right" style="margin:0in 0in .0001pt 229.75pt;text-align:right;text-indent:-10.0pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">By:&nbsp;&nbsp;</font></b></p>    </td>
<td width="27%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:27.5%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">/s/   Jill E. York</font></b></p>    </td>
<td width="26%" valign="top" style="padding:0in 0in 0in 0in;width:26.92%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="45%" valign="top" style="padding:0in 0in 0in 0in;width:45.58%;">
<p align="right" style="margin:0in 0in .0001pt 229.75pt;text-align:right;text-indent:-10.0pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="27%" valign="top" style="padding:0in 0in 0in 0in;width:27.5%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Jill   E. York</font></p>    </td>
<td width="26%" valign="top" style="padding:0in 0in 0in 0in;width:26.92%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Vice President and Chief Financial Officer</font></p>    </td>   </tr>
<tr>
<td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><i><font size="2" face="Times New Roman" style="font-size:10.0pt;font-style:italic;">(Principal Financial and Principal Accounting   Officer)</font></i></p>    </td>   </tr>  </table>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3<a name="PB_3_120921_5335"></a></font></p>
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[{"type": "8-K", "sequence": "1", "filename": "a13-12841_18k.htm", "description": "8-K", "secsgml_size_bytes": 108947}]
{"company-data": {"conformed-name": "MB FINANCIAL INC /MD", "cik": "0001139812", "assigned-sic": "6021", "irs-number": "364460265", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-24566-01", "film-number": "13857134"}, "business-address": {"street1": "800 WEST MADISON STREET", "city": "CHICAGO", "state": "IL", "zip": "60607", "phone": "888-422-6562"}, "mail-address": {"street1": "6111 NORTH RIVER ROAD", "city": "ROSEMONT", "state": "IL", "zip": "60018"}, "former-company": [{"former-conformed-name": "MB FINANCIAL INC     /MD", "date-changed": "20011115"}, {"former-conformed-name": "MB FINANCIAL INC/IL", "date-changed": "20011113"}, {"former-conformed-name": "MB MIDCITY INC", "date-changed": "20010502"}]}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
May 20, 2013
MB FINANCIAL, INC.
(Exact name of registrant as specified in its charter)
Maryland
0-24566-01
36-4460265
(State or other jurisdiction
of incorporation)
(Commission File No.)
(IRS Employer
Identification No.)
800 West Madison Street, Chicago, Illinois 60607
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code:
(888) 422-6562
N/A
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))
Item 7.01. Regulation FD Disclosure
Forward-Looking Statements
When used in this Current Report on Form 8-K and in other reports filed with or furnished to the Securities and Exchange Commission,
in press releases or other public stockholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases "believe," "will," "should," "will likely result," "are expected to," "will continue" "is anticipated," "estimate," "project," "plans," or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995.  You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made.  These statements may relate to our future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial items.  By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements.
Important factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following: (1) expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (2) the possibility that the expected benefits of the FDIC-assisted and other transactions we previously completed will not be realized; (3) the credit risks of lending activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses, which could necessitate additional provisions for loan losses, resulting both from loans we originate and loans we acquire from other financial institutions; (4) results of examinations by the Office of Comptroller of Currency, the Federal Reserve Board and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for loan losses or write-down assets; (5) competitive pressures among depository institutions; (6) interest rate movements and their impact on customer behavior and net interest margin; (7) the impact of repricing and competitors' pricing initiatives on loan and deposit products; (8) fluctuations in real estate values; (9) the ability to adapt successfully to technological changes to meet customers' needs and developments in the market place; (10) our ability to realize the residual values of our direct finance, leveraged, and operating leases; (11) our ability to access cost-effective funding; (12) changes in financial markets; (13) changes in economic conditions in general and in the Chicago metropolitan area in particular; (14) the costs, effects and outcomes of litigation; (15) new legislation or regulatory changes, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") and regulations adopted thereunder, any changes in capital requirements pursuant to the Dodd-Frank Act and the implementation of the Basel III capital standards, other governmental initiatives affecting the financial services industry and changes in federal and/or state tax laws or interpretations thereof by taxing authorities; (16) changes in accounting principles, policies or guidelines; (17) our future acquisitions of other depository institutions or lines of business; and (18) future goodwill impairment due to changes in our business, changes in market conditions, or other factors.
MB Financial, Inc. does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date on which the forward-looking statement is made.
Set forth below are investor presentation materials.
2
Mitchell
  Feiger, President and Chief Executive Officer Jill E. York, Vice President
  and Chief Financial Officer Mark A. Heckler, Executive Vice President Wealth
  Management and Commercial Services of the Bank May 2013 NASDAQ: MBFI Investor
  Presentation
Forward-Looking
  Statements 1 When used in this presentation and in reports filed with or
  furnished to the Securities and Exchange Commission, in press releases or
  other public stockholder communications, or in oral statements made with the
  approval of an authorized executive officer, the words or phrases "believe,"
  "will," "should," "will likely result," "are expected to," "will continue"
  "is anticipated," "estimate," "project," "plans," or similar expressions are
  intended to identify "forward-looking statements" within the meaning of the
  Private Securities Litigation Reform Act of 1995. You are cautioned not to
  place undue reliance on any forward-looking statements, which speak only as
  of the date made. These statements may relate to our future financial
  performance, strategic plans or objectives, revenues or earnings projections,
  or other financial items. By their nature, these statements are subject to
  numerous uncertainties that could cause actual results to differ materially
  from those anticipated in the statements. Important factors that could cause
  actual results to differ materially from the results anticipated or projected
  include, but are not limited to, the following: (1) expected revenues, cost
  savings, synergies and other benefits from our merger and acquisition
  activities might not be realized within the anticipated time frames or at
  all, and costs or difficulties relating to integration matters, including but
  not limited to customer and employee retention, might be greater than
  expected; (2) the possibility that the expected benefits of the FDIC-assisted
  and other transactions we previously completed will not be realized; (3) the
  credit risks of lending activities, including changes in the level and
  direction of loan delinquencies and write-offs and changes in estimates of
  the adequacy of the allowance for loan losses, which could necessitate
  additional provisions for loan losses, resulting both from loans we originate
  and loans we acquire from other financial institutions; (4) results of examinations
  by the Office of Comptroller of Currency, the Federal Reserve Board and other
  regulatory authorities, including the possibility that any such regulatory
  authority may, among other things, require us to increase our allowance for
  loan losses or write-down assets; (5) competitive pressures among depository
  institutions; (6) interest rate movements and their impact on customer
  behavior and net interest margin; (7) the impact of repricing and
  competitors' pricing initiatives on loan and deposit products; (8)
  fluctuations in real estate values; (9) the ability to adapt successfully to
  technological changes to meet customers' needs and developments in the market
  place; (10) our ability to realize the residual values of our direct finance,
  leveraged, and operating leases; (11) our ability to access cost-effective
  funding; (12) changes in financial markets; (13) changes in economic
  conditions in general and in the Chicago metropolitan area in particular;
  (14) the costs, effects and outcomes of litigation; (15) new legislation or
  regulatory changes, including but not limited to the Dodd-Frank Wall Street
  Reform and Consumer Protection Act (the "Dodd-Frank Act") and regulations
  adopted thereunder, any changes in capital requirements pursuant to the
  Dodd-Frank Act and the implementation of the Basel III capital standards,
  other governmental initiatives affecting the financial services industry and
  changes in federal and/or state tax laws or interpretations thereof by taxing
  authorities; (16) changes in accounting principles, policies or guidelines;
  (17) our future acquisitions of other depository institutions or lines of
  business; and (18) future goodwill impairment due to changes in our business,
  changes in market conditions, or other factors. We do not undertake any
  obligation to update any forward-looking statement to reflect circumstances
  or events that occur after the date on which the forward-looking statement is
  made.
Improved return
  on average assets ("ROA"), cash return on average tangible common equity
  ("ROTCE") and net income Overall fee income growth Non-performing loans and
  non-performing assets decreased Net interest margin stable compared to prior
  quarter Annualized fully taxable equivalent net interest margin was 3.59% for
  the first quarter of 2013 compared to 3.57% for the fourth quarter of 2012
  and 3.87% for the first quarter of 2012 Decrease from a year ago was due to
  tightening spreads on loans in a very competitive environment as well as
  lower yields on investment securities. These decreases were partially offset
  by lower rates paid on deposits and a decrease in reliance on wholesale
  funding. Recent Company Highlights 2 1Q12 4Q12 1Q13 Change from 1Q12 to 1Q13
  Change from 4Q12 to 1Q13 Non-performing loans to total loans 2.15% 2.03%
  2.00% -0.15% -0.03% Non-performing assets to total assets 1.94% 1.62% 1.56%
  -0.38% -0.06% Net charge-offs (recoveries) to average loans 0.40% -0.17%
  0.25% -0.15% +0.42% 1Q12 4Q12 1Q13 Change from 1Q12 to 1Q13 Change from 4Q12
  to 1Q13 (dollars in thousands) Key fee initiatives 19,817 $ 28,028 $ 30,226 $ +52.5% +7.8% Lease financing, net 6,958 12,419 16,263 +133.7% +31.0% Card
  fees 2,046 2,505 2,695 +31.7% +7.6% Core non-interest income to total
  revenues 26% 34% 35% +9.0% +1.0% 1Q12 4Q12 1Q13 Change from 1Q12 to 1Q13 Change
  from 4Q12 to 1Q13 (dollars in thousands) ROA 0.87% 1.01% 1.07% +0.2% +0.1%
  Cash ROTCE 9.36% 11.47% 12.53% +3.2% +1.1% Net income available to common
  stockholders 17,817 $ 24,012 $ 24,906 $ +39.8% +3.7%
Company
  Strategy Build a bank with lower risk and consistently better returns than
  peers over the long term Develop balance sheet with superior profitability
  and lower risk Add great customers in our four business lines, whether they
  borrow or not Maintain low credit risk and low credit costs Attract low cost
  and stable funding Maintain strong liquidity and capital Focus intensely on
  fee income Fees need to be high quality, recurring, and profitable Not an
  easy task; requires meaningful investment Emphasize leasing, capital markets,
  international banking, cards, commercial deposit fees, treasury management,
  and trust and asset management Grow select fee businesses nationally
  (leasing, cards and treasury management) Invest in human talent Recruit and
  retain the best staff – very low turnover rate of "A" employees Maintain
  strong training programs – large commercial banker training program Be the
  employer of choice; Awards received – ranked in the top 10 among the large
  employer category in the Chicago Tribune's Top 100 Workplaces survey two
  years in a row, and ranked among best places to work in National Top
  Workplace Survey Make opportunistic acquisitions Skilled and disciplined
  acquirer Long track record of successful integrations 3
Lines of
  Business 4 Retail Banking Provides the majority of funding for commercial
  lending business; provides 58% of deposits and 15% of loans High percentage
  of core funding Low reliance on CDs Focuses on business banking customers and
  individuals that live or work near our branches Key fee initiatives include
  card services and treasury management services for business banking customers
  Wealth Management Provides customized private banking, trust, investment
  management, brokerage, and retirement plan services through a team of
  experienced advisors Specializes in serving business owners, high-net worth
  families, foundations, and endowments Focused on asset management, low-cost
  deposits, and private banking services Manages more than $2.9 billion of
  client assets through trust department and asset management subsidiary (Cedar
  Hill Associates, LLC) Commercial Banking Lending and depository services to
  middle-market companies with revenues ranging from $10 to $250mm
  "Relationship banking" culture; calling officers have 20+ years average
  experience Commercial and industrial and commercial real estate loan
  portfolio – terms generally range from 1 to 5 years; 92% with total
  relationship credit exposure of $25 million or less; approximately 56% have a
  floating rate of interest (62% indexed to LIBOR and 38% indexed to Prime) Key
  fee initiatives include treasury management, capital markets, international
  banking and cross-selling wealth management products Note: Business line
  financial data as of March 31, 2013 Leasing Lease banking – provides banking
  services to lessors located throughout the U.S.; lease and working capital
  loans and lease equity investments Lease loans totaled $1.3 billion at
  3/31/13 Lease loans are underwritten primarily on the creditworthiness of the
  lessee Lessees include mostly investment grade "Fortune 1000" companies
  located throughout the U.S. and large middle-market companies Lease
  originations and related services – through our lease subsidiaries, LaSalle
  Systems Leasing, Inc. and Celtic Leasing Corp. Lease technology-related and
  material handling equipment to "Fortune 1000", large middle-market companies,
  and healthcare providers located throughout the U.S. Specialize in selling
  third party equipment maintenance contracts to large companies
Great Branch
  Footprint for Serving Business Customers 5 Chicago MSA – 84 branches
  Regularly optimize branch network (closed 1 branch in 2013, 3 branches in
  2012 and 2 branches in 2011) Branches predominantly located in Cook and
  DuPage counties in the Chicago MSA where approximately 80% of middle-market
  companies are located Source: SNL Financial (11/2012)
Composition of
  the Loan Portfolio – Favorable Mix Changes Improved loan mix over the last
  twelve months while total loan balances, excluding covered loans, increased
  3% from March 31, 2012. C&I and lease loans increased as a percent of
  total portfolio from 39% to 45% from March 31, 2012 to March 31, 2013.
  Decreased emphasis on construction and commercial real estate loans; these
  categories went from 35% to 32% of the total portfolio. As expected, covered
  loans declined from a year ago. 6 (Dollars in millions) Balance Percent of
  Total Q1 Yield Balance Percent of Total Q1 Yield Change in Balance Commercial
  loans 1,040 $ 18% 4.76% 1,208 $ 21% 4.17% 16% Commercial loans collateralized
  by assignment of lease payments 1,210 21% 4.68% 1,348 24% 3.94% 11%
  Commercial real estate 1,877 32% 5.07% 1,743 30% 4.78% -7% Construction real
  estate 128 2% 4.18% 102 2% 3.94% -20% Residential real estate 310 5% 4.66%
  313 5% 4.20% 1% Other consumer loans 604 11% 4.87% 593 11% 4.76% -2% Gross
  loans, excluding covered loans 5,169 89% 4.90% 5,306 93% 4.43% 3% Covered
  loans 621 11% 6.18% 401 7% 4.47% -36% Total loans 5,790 $ 100% 5.04% 5,707 $ 100% 4.43% -1% March 31, 2012 March 31, 2013
NPL Composition
  March 31, 2013 Asset Quality Statistics – Improvement Continues 7 Payment
  Status of NPLs Ratio 12/31/2009 12/31/2010 12/31/2011 12/31/2012 3/31/2012
  3/31/2013 ALLL to total loans 2.71% 2.90% 2.13% 2.15% 2.17% 2.13% NPLs to
  total loans 4.16% 5.48% 2.17% 2.03% 2.15% 2.00% ALLL to non-performing loans
  65.26% 53.03% 98.00% 106.17% 100.59% 106.88% Net charge-offs (recoveries) to
  average loans 3.09% 3.42% 2.90% (0.02%) 0.40% 0.25% At or For the Year Ended
  At or For the Three Months Ended NPL Compositopn March 31, 2013 lease $1mm
  (0.6%) Commercial $21mm (18.9%) Construction $1mm (0.9%) Consumer $33mm
  (29.0%) Commercial real estate $58mm (50.6%) In Millions NPLs more than 30
  days past due NPLs less than 30 days past due
Investment
  Securities Portfolio 8 Note: Includes available for sale and held to maturity
  securities as well as non-marketable securities (FRB and FHLB stock). Greater
  portion of investment portfolio allocated to municipal securities. Better
  positioned than a year ago given the current interest rate environment. Tax
  US Gov't Equivalent Balance maturing in (1) Agency MBS Municipals Corporate
  Equity (2) Total Yield Year 1 6 $ 303 $ 41 $ - $ - $ 351 $ 1.61% Year 2 - 191
  47 - - 239 2.09% Year 3 - 140 50 10 - 200 2.91% Year 4 30 141 105 17 - 292
  3.76% Year 5 122 77 123 - 322 3.55% Year 6 - 73 74 26 - 173 3.94% Year 7 - 24
  71 - - 96 4.68% Year 8 - 11 146 - - 157 5.05% Year 9 - 6 202 - - 208 5.28%
  Year 10 - 4 51 - - 55 4.05% Over 10 Years - 17 8 5 63 94 4.05% Total Par 36 $ 1,033 $ 873 $ 181 $ 63 $ 2,186 $ 3.44% Estimated Fair Value 41 $ 1,117 $ 1,000 $ 198 $ 64 $ 2,419 $ Appreciation 2 $ 34 $ 56 $ 1 $ 0 $ 94 $ Duration
  (Years) 2.5 2.2 4.4 3.6 3.2 Tax Equivalent Yield 3.11% 1.93% 5.33% 2.80%
  3.86% 3.44% (1) Includes maturities and estimated paydowns in the case of
  MBS. (2) Primarily consists of FHLB and FRB stock. Maturity/Paydown Analysis
  March 31, 2013 (Dollars in millions)
Liquidity
  Ratios – Robust Liquidity (A) Total deposits (excluding brokered deposits)
  and customer repurchase agreements/Total deposits, customer repurchase agreements
  and other borrowings. 9 Strong liquidity Not reliant on non-core funding High
  lending capacity
Low Cost
  Deposit Base – Improved Mix Deposit mix improved significantly over the last
  several years. Not reliant on wholesale funding. To lower future funding
  costs, we prepaid in third quarter of 2012: $100 million FHLB advance with an
  interest rate of 3.85% $101 million of brokered deposits with an average
  interest rate of 3.16% $6.2 million of junior subordinated notes with an
  interest rate of 10.6% In the first quarter of 2013, we prepaid a $50 million
  subordinated debt facility with an interest rate of 3-month LIBOR +1.70%. 10
  Percent Percent Percent Percent Percent Amount of Total Amount of Total
  Amount of Total Amount of Total Amount of Total Noninterest bearing deposits
  1,552 $ 18% 1,692 $ 21% 1,886 $ 25% 2,165 $ 29% 2,067 $ 28% Money market and
  NOW accounts 2,776 32% 2,776 34% 2,645 34% 2,747 36% 2,779 37% Savings
  accounts 584 7% 698 8% 754 10% 811 11% 834 11% 4,912 57% 5,166 63% 5,285 69%
  5,723 76% 5,680 76% Certificates of deposit 3,243 37% 2,519 31% 1,926 25%
  1,525 20% 1,478 20% Brokered deposit accounts 528 6% 468 6% 437 6% 294 4% 294
  4% 3,771 43% 2,987 37% 2,363 31% 1,819 24% 1,772 24% 8,683 $ 100% 8,153 $ 100% 7,648 $ 100% 7,542 $ 100% 7,452 $ 100% Customer repurchase agreements
  224 $ 28% 265 $ 37% 216 $ 34% 208 $ 43% 219 $ 50% Wholesale borrowings 381
  46% 239 34% 220 34% 79 16% 69 16% Subordinated debt and junior subordinated
  notes issued to capital trusts 209 26% 209 29% 209 32% 202 41% 152 34% 814 $ 100% 713 $ 100% 645 $ 100% 489 $ 100% 440 $ 100% 12/31/2010 12/31/2011
  12/31/2012 (Dollars in millions) 3/31/2013 12/31/2009 Total borrowings Total
  deposits Low cost deposits: Total low cost deposits Certificates of deposit:
  Total certificates of deposit Borrowings:
Capital
  Composition – Dominated by Common Equity Capital Composition 3/31/2012
  Capital Composition 3/31/2013 11 2012 2013 Common stock 1,175 $ 1,259 $ Noncontrolling interest 2 1 Trust preferred securities 154 148 Less goodwill
  and intangibles (405) (446) Other deductions (1) (1) Tier 1 Capital 925 961
  Subordinated debt 50 - ALLL includible in tier 2 capital 78 81 Tier 2 Capital
  128 81 Total risk-based capital 1,053 $ 1,042 $ (In millions) March 31,
Summary Income
  Statement – Profitability has Rebounded 12 (1) Annualized 2009 2010 2011 2012
  2012 2013 Interest income 394 $ 430 $ 385 $ 335 $ 89 $ 75 $ Interest expense
  143 90 59 43 12 7 Net interest income 251 340 325 293 77 68 Provision for
  credit losses 232 246 121 (9) 3 - Net interest income after provision for
  credit losses 19 94 205 302 74 68 Other income 127 186 109 112 23 38 Other
  expenses 224 259 270 286 67 71 Income (loss) before income taxes (78) 21 44
  127 30 35 Applicable income tax expense (benefit) (45) 0 5 37 8 10 Income
  (loss) from continuing operations (33) 21 39 90 21 25 Income from
  discontinued operations, net of income tax 7 - - - - - Net income (loss) (26)
  21 39 90 21 25 Dividends and discount accretion on preferred shares 10 10 10
  3 3 - Net income (loss) available to common stockholders (36) $ 10 $ 28 $ 87
  $ 18 $ 25 $ For the Year Ended December 31, For the Three Months Ended March
  31, (In millions)
Performance
  Ratios – Reflects Improving Operations 13 (1) Annualized
Key Fee
  Initiatives – Becoming More Meaningful 14 Capital markets fees Team built in
  first quarter of 2012 Includes fees for the following services: derivatives
  and interest rate risk solutions, capital solutions, merger and acquisition
  advisory and real estate debt placement International banking fees Team built
  two years ago Includes fees for the following services: trade services
  (letters of credit), export trade finance, and foreign exchange Commercial
  deposit and treasury management fees Includes fees for the following services:
  account management, payments systems access, information management, and
  fraud and risk mitigation Expanding nationally where we have expertise Lease
  financing Includes fees related to equipment leases as well as selling third
  party equipment maintenance contracts Trust and asset management fees Wealth
  management solutions for individuals, corporations and not-for-profits
  Includes fees for the following services: investment management, custody,
  personal trust, financial planning, and wealth advisory services for high net
  worth individuals Card fees Expanded into prepaid and credit cards in 2012
  Includes fees for debit, credit, prepaid, incentive and gift cards 2009 2010
  2011 2012 2012 2013 Key fee initiatives: Capital markets and international
  banking fees 502 $ 344 $ 1,870 $ $ 5,086 $ $ 512 $ 808 $ Commercial deposit
  and treasury management fees 16,545 21,806 23,559 23,636 5,897 5,966 Lease
  financing, net 18,528 21,853 26,939 36,382 6,958 16,263 Trust and asset
  management fees 12,593 15,037 17,324 17,990 4,404 4,494 Card fees 4,558 7,057
  7,032 9,368 2,046 2,695 Total key fee initiatives 52,726 $ 66,097 $ 76,724 $ 92,462 $ 19,817 $ 30,226 $ (In Thousands) Year Ended December 31, Three
  Months Ended March 31,
Market Leading
  Operating Performance 15 Source: Company filings, SNL Financial Note: Chicago
  peers consist of public banks headquartered in Chicago MSA with assets
  between $2.0bn and $16.6bn at March 31, 2013 and include: First Midwest, Old
  Second, PrivateBancorp, Taylor Capital, Wintrust Net non-interest expense /
  average assets (%) Core non-interest income / revenues - FTE (%) Asset yields
  - FTE (%) Pre-tax, pre-provision operating earnings - FTE / risk-weighted
  assets (%) Cost of funds (%) MBFI Chicago Peers Median Net interest margin -
  FTE (%) 15 (1) Annualized 25 25 27 29 35 25 23 24 29 32 2009 2010 2011 2012
  1Q13 4.59 4.82 4.59 4.24 3.96 4.82 4.54 4.23 3.95 5.00 2009 2010 2011 2012
  1Q13 (1) 1.67 0.70 0.52 0.38 1.73 1.13 0.90 0.66 0.57 0.99 2009 2010 2011
  2012 1Q13 (1) 2.97 3.90 3.73 3.59 3.83 3.28 3.46 3.52 3.51 3.04 2009 2010
  2011 2012 1Q13 (1)
Stronger
  Capital Than Local Peers 16 Source: Company filings, SNL Financial Note:
  Chicago peers consist of median data for public banks headquartered in
  Chicago MSA with assets between $2.0bn and $16.6bn at March 31, 2013 and
  include: First Midwest, Old Second, PrivateBancorp, Taylor Capital, Wintrust.
  TCE / TA (%) Tier I Capital Ratio (%) Total Risk-Based Capital Ratio (%) TCE
  / RWA (%) MBFI Chicago Peers Median 6.2 7.5 8.4 9.1 9.5 5.5 7.3 7.6 7.6 8.1
  2009 2010 2011 2012 1Q13 8.8 10.9 12.5 13.1 13.3 6.5 8.8 9.0 8.9 9.2 2009
  2010 2011 2012 1Q13 15.5 17.8 19.4 16.6 16.2 13.6 14.0 14.0 13.4 14.0 2009
  2010 2011 2012 1Q13 13.5 15.8 17.3 14.7 15.0 11.4 12.3 11.7 11.2 11.7 2009
  2010 2011 2012 1Q13
17 Source:
  Company filings, SNL Financial Note: Chicago peers consist of median data for
  public banks headquartered in Chicago MSA with assets between $2.0bn and
  $16.6bn at March 31, 2013 and include: First Midwest, Old Second,
  PrivateBancorp, Taylor Capital, Wintrust. NPAs / Assets (%) Reserves / Loans
  (%) Reserves / NPLs (%) Credit Metrics Compared to Local Peers Reserves /
  Loans (%) NPLs / Loans (%) MBFI Chicago Peers Median 2.84 4.21 2.12 1.62 1.56
  3.72 3.93 2.93 1.59 1.63 2009 2010 2011 2012 1Q13 65 53 98 106 107 62 63 82
  106 102 2009 2010 2011 2012 1Q13 2.71 2.90 2.13 2.15 2.13 2.71 2.75 2.18 2.00
  1.98 2009 2010 2011 2012 1Q13 4.16 5.48 2.17 2.03 2.00 4.41 4.55 3.05 1.80
  1.94 2009 2010 2011 2012 1Q13
Valuable
  Position in the Chicago MSA Rank Institution Branches Total deposits in
  market ($mm) Total market share (%) 1 JPMorgan Chase 439 70,527 22.5 2 BMO
  Financial Group 229 36,303 11.6 3 Bank of America 172 22,992 7.3 4 Northern
  Trust 12 22,185 7.1 5 Wintrust Financial 111 13,355 4.2 6 PNC Financial Services
  153 11,714 3.7 7 Fifth Third 180 11,000 3.5 8 Citigroup 74 10,542 3.4 9
  PrivateBancorp 20 9,176 2.9 10 MB Financial1 84 7,542 2.4 11 US Bancorp 89
  6,254 2.0 12 First Midwest 85 6,070 1.9 13 Royal Bank of Scotland 105 5,459
  1.7 14 Wells Fargo 9 4,600 1.5 15 TCF Financial 201 3,938 1.3 All other
  institutions 1,205 72,194 23.0 MSA Total 3,168 313,851 100.0 Rank Institution
  Branches Total deposits in market ($mm) Total market share (%) 1 JPMorgan
  Chase 326 38,407 16.0 2 ABN Amro (LaSalle Bank) 140 30,957 12.9 3 Harris
  (Bank of Montreal) 192 23,237 9.7 4 Northern Trust 18 8,461 3.5 5 Fifth Third
  123 8,052 3.4 6 Royal Bank of Scotland 136 6,446 2.7 7 Wintrust Financial 55
  6,019 2.5 8 Corus Bankshares 14 5,500 2.3 9 Citigroup 51 5,441 2.3 10 MAF
  Bancorp 49 4,904 2.0 11 National City 59 4,528 1.9 12 First Midwest 56 4,488
  1.9 13 Bank of America 31 4,159 1.7 14 MB Financial 39 3,770 1.6 15 FBOP Corp
  25 2,824 1.2 All other institutions 1,686 82,474 34.4 MSA Total 3,000 239,667
  100.0 Current Chicago MSA Rankings 2005 Chicago MSA Rankings Source: SNL
  Financial Note: Data as of June 30, 2012 reflects acquisitions post June 30,
  2012 1 MB Financial deposits as of 3/31/2013 18
Market Share of
  Top Banks in 10 Largest U.S. MSAs 19 Market share of top 10 banks in 10
  largest U.S. MSAs Market share of top 3 banks in 10 largest U.S. MSAs Source:
  SNL Financial as 6/30/2012
20 Skilled
  Acquirer Skilled acquirer of both depository and non-depository entities
  Fifteen acquisitions since 2000 Disciplined financial analyses focused on:
  Internal rates of return Returns on invested capital Long-term per share
  earnings accretion Long track record of successful and rapid employee,
  customer and systems integrations Ability to manage multiple integrations
  simultaneously Branch network size and location makes acquired branch
  consolidations more likely to result in enhanced expense savings
  opportunities Company culture suited for acquisitions
21 2001 2002
  2004 2006 2008 2004 First SecurityFed Financial (Chicago, IL) January 9, 2004
  2002 South Holland Bancorp (South Holland, IL) November 1, 2002 LaSalle
  Systems Leasing, Inc. July 22, 2002 2006 First Oak Brook Bancshares (Oak
  Brook, IL) May 1, 2006 2009 Heritage Community Bank (Glenwood, IL) February
  27, 2009 InBank (Oak Forest IL) September 4, 2009 Corus Bank (Chicago, IL)
  September 11, 2009 Benchmark Bank (Aurora, IL) December 4, 2009 Source:
  Company filings Note: Transaction dates indicate announcement date 2008 Cedar
  Hill Associates, LLC (Chicago, IL) April 18, 2008 Track Record of Being a
  Disciplined Acquirer and Experienced Integrator 2009 2010 2010 Broadway Bank
  (Chicago, IL) April 23, 2010 New Century Bank (Chicago, IL) April 23, 2010
  2001 FSL Holdings, Inc. (South Holland, IL) February 8, 2001 MidCity
  Financial (Chicago, IL) April 19, 2001 First Lincolnwood (Lincolnwood, IL)
  December 27, 2001 2012 2012 Celtic Leasing Corp. (Irvine, CA) December 28,
  2012 2003 2005 2007 2011
Summary
  Objectives Build a bank with lower risk and consistently better returns than
  peers over the long term Develop a balance sheet with superior profitability
  and lower risk Maintain a strong focus on fee income and profits from fee
  services Invest in human talent Make opportunistic acquisitions 22
Leasing Appendix 23
Components of our
  Leasing Business Lease Banking Our lease banking group provides banking
  services to equipment lessors located throughout the U.S. Debt financing
  Working capital financing Partners with customers on equity/residual
  investments in leases Treasury management services Debt financing (Lease
  Loans) are non-recourse loans to lessors, collateralized by leased equipment
  and underwritten based on the financial wherewithal of each lessee. Lessees
  generally consist of investment grade Fortune 1000, large middle-market, and
  health care companies located throughout the U.S. No residual risk on Lease
  Loans funded with third parties. Most loans fully amortize over periods
  ranging from 30 to 60 months. Credit experience has been stellar.
  Non-performing loans and charge-offs have been minimal for more than 10
  years. Lease Loans outstanding totaled $1.3 billion at 3/31/2013. Revenues
  from Lease Loans and working capital financing are reflected in interest
  income. 24
Components of
  our Leasing Business (Continued) Lease Originations Leases are originated
  directly through our LaSalle and Celtic subsidiaries ($75 to $100 million per
  year per company). Leased equipment generally consists of technology-related
  and material handling equipment. Direct Finance and Leverage Leases are
  grouped with Lease Loans on the balance sheet. Operating Leases are reflected
  in the Other Assets section of the balance sheet under the heading Lease
  Investments, Net. Lessors generally finance much of their equipment cost with
  debt (85% to 95% of original equipment cost). The amount of debt available is
  based on the present value of future lease payments discounted at prevailing
  market interest rates. The portion of the equipment cost not funded with debt
  represents the equity or residual investment in the lease. Our residual
  investments in equipment leases totaled $75 million at 3/31/2013. Residual
  income is accreted over the life of the lease so that at the end of the lease
  term the accreted residual amount approximates the fair value of the leased
  equipment. 25
Components of
  our Leasing Business (Continued) Lease Originations (continued) Interest
  income on Direct Finance and Leverage Leases and accreted residual income on
  Direct Finance and Leverage Leases are included in Interest Income. Lease
  payments on Operating Leases plus residual income that is accreted on
  Operating Leases less depreciation on equipment underlying Operating Leases
  are included in Lease Financing Fee Income. At the end of a lease term the
  lease may be renewed, extended on a month-to-month basis, or the equipment
  may be returned and sold. Proceeds received as a result of lease renewals and
  equipment sales less the residual investment in a lease results in a gain or
  loss that is reflected in Lease Financing Fee Income. Other leasing related
  services included in Lease Financing Fee Income We broker maintenance
  contracts sold by equipment manufacturers to our customers covering equipment
  leased from MB as well as other equipment owned or leased by our clients.
  Equipment manufacturers are responsible for completing any maintenance
  covered by a maintenance contract. Maintenance contract revenue is presented
  net of the related cost of sales paid to the third party provider. Components
  of our Leasing Business (Continued) 26
Interest income
  includes: Interest income on Lease Loans Interest income on Direct Finance
  Leases Interest income on Leverage Leases, less related funding cost Residual
  accretion on Direct Finance and Leverage Leases Lease financing fee income
  includes: Rental payments on Operating Leases Depreciation expense on
  Operating Leases Residual accretion on Operating Leases Gains or losses on
  residuals Interim rent Equipment maintenance contract revenue, less related
  cost of sales Vendor promotional revenue related to equipment maintenance
  contracts Income Statement Geography 27
Non-GAAP Disclosure Appendix 28
Non-GAAP
  Disclosure Reconciliations This presentation contains certain financial
  information determined by methods other than in accordance with accounting
  principles generally accepted in the United States of America (GAAP). These
  measures include net interest margin on a fully tax equivalent basis; ratio
  of core non-interest income to total revenue on a fully tax equivalent basis,
  ratio of net non-interest expense to average assets and ratio of pre-tax,
  pre-provision operating earnings on a fully tax equivalent basis to
  risk-weighted assets, with net gains and losses on investment securities, net
  gains and losses on sale of other assets, net gain on sale of loans held for
  sale, net gains and losses on other real estate owned, acquisition related
  gains and increase (decrease) in market value of assets held in trust for
  deferred compensation excluded from the calculations of the non-interest
  income, core non-interest income and pre-tax, pre-provision operating
  earnings components of these ratios, and the FDIC special assessment expense,
  impairment charges, prepayment fees on interest-bearing liabilities and
  increase (decrease) in market value of assets held in trust for deferred
  compensation excluded from the non-interest expense components of the ratios
  of net non-interest expense to average assets and pretax, pre-provision
  operating earnings, on a fully tax equivalent basis to risk-weighted assets with
  tax equivalent adjustments for tax-exempt interest income and increase in
  cash surrender value of life insurance, as applicable; ratios of tangible
  common equity to risk weighted assets and tangible common equity to tangible
  assets; core funding to total funding; and cash return on average tangible
  common equity (net cash flow available to common stockholders divided by
  average tangible common equity). Our management uses these non-GAAP measures,
  together with the related GAAP measures, in its analysis of our performance
  and in making business decisions. Management also uses these measures for
  peer comparisons. The tax equivalent adjustments to net interest margin,
  pre-tax, pre-provision operating earnings, non-interest income and total
  revenue recognizes the income tax savings when comparing taxable and
  tax-exempt assets and assumes a 35% tax rate. Management believes that others
  within the banking industry present these measures on a fully tax equivalent
  basis, and accordingly believes that providing these measures may be useful
  for peer comparison purposes. For the same reasons, management believes the
  tax equivalent adjustments for tax-exempt interest income and increase in
  cash surrender value of life insurance are useful. Management believes that
  pre-tax, pre-provision operating earnings are a useful measure in assessing
  our operating performance, particularly during times of economic stress. In
  recent periods, our results of operations have been negatively impacted by
  adverse economic conditions, as seen in our elevated levels of loan
  charge-offs and provision for credit losses. Management believes that
  measuring earnings before the impact of the provision for credit losses makes
  our financial data more comparable between reporting periods so that investors
  can better understand our operating performance trends. Management also
  believes that this is a standard figure used in the banking industry to
  measure performance. Management believes that core and non-core non-interest
  income and expense are useful in assessing our operating performance and in
  understanding the primary drivers of our non-interest income and expense when
  comparing periods. Management, likewise, believes that presenting the ratio
  of core funding to total funding is useful in understanding our funding
  sources when comparing periods. 29
Non-GAAP
  Disclosure Reconciliations (Continued) Management also believes that by
  excluding net gains and losses on investment securities, net gains and losses
  on sale of other assets, net gain on sale of loans held for sale, net gains
  and losses on other real estate owned, acquisition related gains and increase
  (decrease) in market value of assets held in trust for deferred compensation
  from the other (non-interest) income components and excluding the FDIC
  special assessment expense, impairment charges, prepayment fees on
  interest-bearing liabilities and increase (decrease) in market value of
  assets held in trust for deferred compensation from the other (non-interest)
  expense components of the ratios of net non-interest expense to average
  assets and pre-tax, pre-provision operating earnings on a fully tax
  equivalent basis to risk-weighted assets and, in the case of the
  income-related items, the ratio of core non-interest income to total revenue
  on a fully tax equivalent basis, this information better reflects our
  operating performance, as the excluded items do not pertain to our core
  business operations and their exclusion makes this information more
  meaningful when comparing our operating results from period to period. The
  ratios of tangible common equity to tangible assets and tangible common
  equity to risk-weighted assets exclude goodwill and other intangible assets,
  net of tax benefits, in determining tangible assets and tangible common
  equity. Management believes that the presentation of these measures excluding
  the impact of such items provides useful supplemental information that is
  helpful in understanding our financial results, as they provide a method to
  assess management's success in utilizing our tangible capital as well as our
  capital strength. Management also believes that providing measures that
  exclude balances of goodwill and other intangible assets, which are
  subjective components of valuation, facilitates the comparison of our
  performance with the performance of our peers. In addition, management
  believes that these are standard financial measures used in the banking
  industry to evaluate performance. The non-GAAP disclosures contained herein
  should not be viewed as substitutes for the results determined to be in
  accordance with GAAP, nor are they necessarily comparable to non-GAAP
  performance measures that may be presented by other companies. The following
  table reconciles net interest margin on a fully tax equivalent basis to net
  interest margin for the periods presented: 30 Net interest margin 2009 2010
  2011 2012 1Q12 (1) 4Q12 (1) 1Q13 (1) Net interest margin 2.85% 3.72% 3.75%
  3.49% 3.64% 3.31% 3.32% Plus: tax equivalent effect 0.12% 0.11% 0.15% 0.24%
  0.23% 0.26% 0.27% Net interest margin, fully tax equivalent 2.97% 3.83% 3.90%
  3.73% 3.87% 3.57% 3.59% (1) Annualized
Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a
  reconciliation of tangible common equity to common stockholders' equity (in
  thousands): 31 The following table presents a reconciliation of average
  tangible common equity to average common stockholders' equity (in thousands):
  The following table presents a reconciliation of net cash flow available to
  common stockholders to net income available to common stockholders (in
  thousands): $ 853,255 $ 833,218 $ 792,068 $ 740,760 $ 646,079 Tangible common
  equity 18,179 19,183 19,171 22,853 24,510 Less: other intangible, net of tax
  benefit 423,369 423,369 387,069 387,069 387,069 Less: goodwill $ 1,294,803 $ 1,275,770 $ 1,198,308 $ 1,150,682 $ 1,057,658 Common stockholders' equity -
  as reported 2013 2012 2011 2010 2009 March 31, December 31, $ 25,910 $ 24,825
  $ 18,634 $ 90,362 $ 31,996 $ 14,185 $ (33,505) Net cash flow available to
  common stockholders 1,004 813 817 3,257 3,682 4,039 2,919 Add: other
  intangible amortization expense, net of tax $ 24,906 $ 24,012 $ 17,817 $ 87,105 $ 28,314 $ 10,146 $ (36,424) Net income available to common
  stockholders - as reported 1Q13 4Q12 1Q12 2012 2011 2010 2009 $ 838,941 $ 861,070 $ 800,574 $ 831,147 $ 756,382 $ 724,966 $ 526,469 Average tangible
  common equity 18,611 16,238 18,721 17,465 20,865 23,154 18,971 Less: other
  intangible, net of tax benefit 423,369 387,464 387,069 387,168 387,069
  387,069 387,069 Less: goodwill $ 1,280,921 $ 1,264,772 $ 1,206,364 $ 1,235,780 $ 1,164,316 $ 1,135,189 $ 932,509 Average common stockholders'
  equity - as reported 1Q13 4Q12 1Q12 2012 2011 2010 2009
Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a reconciliation
  of tangible assets to total assets (in thousands): 32 $ 8,944,282 $ 9,129,253
  $ 9,426,832 $ 9,910,442 $ 10,453,814 Tangible assets 18,179 19,183 19,171
  22,853 24,510 Less: other intangible, net of tax benefit 423,369 423,369
  387,069 387,069 387,069 Less: goodwill $ 9,385,830 $ 9,571,805 $ 9,833,072 $ 10,320,364 $ 10,865,393 Total assets - as reported 2013 2012 2011 2010 2009
  March 31, December 31,
Non-GAAP
  Disclosure Reconciliations (Continued) 33 Net Non-interest Expense to Average
  Assets Calculation (in thousands) 2009 2010 2011 2012 1Q13 Non-interest
  expense 223,750 $ 258,776 $ 269,633 $ 286,436 $ 71,099 $ Adjustment for FDIC
  special assessment 3,850 - - - - Adjustment for prepayment fees on interest
  bearing liabilities - - - 12,682 - Adjustment for impairment charges 4,000 -
  1,594 2,190 - Adjustment for (decrease) increase in market value of assets
  held in trust for deferred compensation 710 562 (40) 811 483 Non-interest
  expense - as adjusted 215,190 258,214 268,079 270,753 70,616 Non-interest
  income 127,154 185,756 109,106 111,599 38,373 Less net gains (losses) on
  investment securities 14,029 18,648 640 555 (1) Less net (losses) gains on
  sale of other assets (13) 630 283 (942) - Less net gain on sale of loans held
  for sale - - 1,790 - - Less net losses on other real estate owned (429)
  (9,284) (13,613) (17,594) (330) Less acquisition related gains 28,547 62,649
  - - - Less (decrease) increase in market value of assets held in trust for
  deferred compensation 710 562 (40) 811 483 Non-interest income - as adjusted
  84,310 112,551 120,046 128,769 38,221 Less tax equivalent adjustment on the
  increase in cash surrender value of life insurance 1,324 1,893 2,357 1,922
  454 Net non-interest expense 129,556 $ 143,770 $ 145,676 $ 140,062 $ 31,941 $ Average assets 9,777,288 $ 10,506,028 $ 9,956,133 $ 9,547,985 $ 9,449,588 $ Net non-interest expense to average assets 1.33% 1.37% 1.46% 1.47% 1.37%
Non-GAAP
  Disclosure Reconciliations (Continued) 34 Pre-Tax, Pre-Provision Operating
  Earnings (in thousands) 2009 2010 2011 2012 1Q13 (Loss) income before income
  taxes (77,844) $ 20,552 $ 43,996 $ 126,851 $ 34,959 $ Provision for credit
  losses 231,800 246,200 120,750 (8,900) - Pre-tax, pre-provision earnings
  153,956 266,752 164,746 117,951 34,959 Tax equivalent adjustment on
  tax-exempt interest income 10,625 10,458 13,188 20,429 5,555 1,324 1,893
  2,357 1,922 454 Pre-tax, pre-provision earnings on a fully tax equivalent
  basis 165,905 279,103 180,291 140,302 40,968 Non-core non-interest income Net
  losses on other real estate owned (429) (9,284) (13,613) (17,594) (330) Net
  gains (losses) on investment securities 14,029 18,648 640 555 (1) Net (loss)
  gain on sale of other assets (13) 630 283 (942) - Net gain on sale of loans
  held for sale - - 1,790 - - Acquisition related gains 28,547 62,649 - - -
  Increase (decrease) in market value of assets held in trust for deferred
  compensation 710 562 (40) 811 483 Total non-core non-interest income 42,844
  73,205 (10,940) (17,170) 152 Non-core non-interest expense FDIC special
  assessment 3,850 - - - - Prepayment fees on interest bearing liabilities - -
  - 12,682 - Impairment charges 4,000 - 1,594 2,190 - Increase (decrease) in
  market value of assets held in trust for deferred compensation 710 562 (40)
  811 483 Total non-core non-interest expense 8,560 562 1,554 15,683 483
  Pre-tax, pre-provision operating earnings 131,621 $ 206,460 $ 192,785 $ 173,155 $ 41,299 $ Risk-weighted assets 7,315,255 $ 6,772,762 $ 6,345,357 $ 6,373,564 $ 6,422,068 $ Annualized pre-tax, pre-provision operating earnings
  to risk-weighted assets 1.80% 3.05% 3.04% 2.72% 2.61% Tax equivalent
  adjustment on the increase in cash surrender value of life insurance
Non-GAAP
  Disclosure Reconciliations (Continued) 35 Core non-interest income (in
  thousands) 2009 2010 2011 2012 1Q12 4Q12 1Q13 Non-interest income 127,154 $ 185,756 $ 109,106 $ 111,599 $ 22,854 $ 36,285 $ 38,373 $ Less net gains
  (losses) on investment securities 14,029 18,648 640 555 (3) 311 (1) Less net
  (losses) gains on sale of other assets (13) 630 283 (942) (17) (905) - Less
  net gain on sale of loans held for sale (A) - - 1,790 - - - - Less net losses
  on other real estate owned (B) (429) (8,511) (9,971) (14,503) (4,348) (1,848)
  (319) Less (losses) net gains on other real estate owned related to FDIC
  transactions (B) - (773) (3,642) (3,091) (2,241) 222 (11) Less acquisition
  related gains 28,547 62,649 - - - - - Less (decrease) increase in market
  value of assets held in trust for deferred compensation (A) 710 562 (40) 811
  501 104 483 Plus tax equivalent adjustment on the increase in cash surrender
  value of life insurance 1,324 1,893 2,357 1,922 494 481 454 Core non-interest
  income, fully tax equivalent 85,634 $ 114,444 $ 122,403 $ 130,691 $ 29,456 $ 38,882 $ 38,675 $ The following letters denote the corresponding line items
  where these non-core other income items reside in the consolidated statements
  of income: (A) - Other operating income (B) - Net loss recognized on other
  real estate owned
Non-GAAP
  Disclosure Reconciliations (Continued) 36 Total revenue, fully tax equivalent
  reconciliation (in thousands) 2009 2010 2011 2012 1Q12 4Q12 1Q13 Net interest
  income 250,552 $ 339,772 $ 325,273 $ 292,788 $ 77,093 $ 69,516 $ 67,685 $ Plus: tax equivalent effect 10,625 10,458 13,188 20,429 4,756 5,360 5,555 Net
  interest income, fully tax equivalent 261,177 350,230 338,461 313,217 81,849
  74,876 73,240 Core non-interest income 84,310 112,551 120,046 128,769 28,962
  38,401 38,221 Plus: tax equivalent adjustment on the increase in cash
  surrender value of life insurance 1,324 1,893 2,357 1,922 494 481 454 Total
  revenues, fully tax equivalent 346,811 $ 464,674 $ 460,864 $ 443,908 $ 111,305 $ 113,758 $ 111,915 $ Core non-interest income to revenues, fully tax
  equivalent 25% 25% 27% 29% 26% 34% 35%
Mitchell
  Feiger, President and Chief Executive Officer Jill E. York, Vice President
  and Chief Financial Officer Mark A. Heckler, Executive Vice President Wealth
  Management and Commercial Services of the Bank May 2013 NASDAQ: MBFI Investor
  Presentation
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, MB Financial, Inc. has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on the 20
th
day of May, 2013.
MB FINANCIAL, INC.
By:
/s/   Jill E. York
Jill   E. York
Vice President and Chief Financial Officer
(Principal Financial and Principal Accounting   Officer)
3