EXHIBIT 21

SUBSIDIARIES OF UMB FINANCIAL CORPORATION

December 31, 2012

Name of Entity Organization						Incorporation or Jurisdiction of
	A.	Registrant and Parent Company
		UMB Financial Corporation				Missouri
	B.	Subsidiaries of Registrant
		1.	UMB Bank, n.a.			United States
			UMB Financial Corporation owns 100%
			a.	Kansas City Financial Corporation		Kansas
					UMB Bank, n.a. owns 100%
			b.	UMB Bank & Trust, n.a.		Missouri
					UMB Bank, n.a. owns 100%
			c.	UMB Capital Corporation		Missouri
					UMB Bank, n.a. owns 100%
			d.	UMB Redevelopment Corporation		Missouri
					UMB Bank, n.a. owns 100%
			e.	UMB Banc Leasing Corporation		Missouri
					UMB Bank, n.a. owns 100%
			f.	UMB Trust Company of South Dakota		South Dakota
					UMB Bank, n.a. owns 100%
			g.	UMB Financial Services, Inc.		Missouri
					UMB Bank, n.a. owns 100%
			h.	UMB Insurance, Inc.		Missouri
					UMB Bank, n.a. owns 100%
			i.	Kansas City Realty Company		Kansas
					UMB Bank, n.a. owns 100%
				1)	UMB RealtyCompany, LLC	Delaware
					Kansas City Realty Company owns 100%
			j.	UMB Colorado Property, LLC		Colorado
					UMB Bank, n.a. owns 100%

Name of Entity Organization						Incorporation or Jurisdiction of
	2.	United Missouri Insurance Company				Arizona
			UMB Financial Corporation owns 100%
	3.	Scout Investments, Inc.				Missouri
			UMB Financial Corporation owns 100%
	4.	UMBCDC, Inc.				Missouri
			UMB Financial Corporation owns 100%
	5.	Scout Distributors, LLC				Missouri
			UMB Financial Corporation owns 100%
	6.	UMB Fund Services, Inc.				Wisconsin
			UMB Financial Corporation owns 100%
			a.	UMB Distribution Services, LLC		Wisconsin
					UMB Fund Services, Inc. owns 100%
			b.	Grand Distribution Services, LLC		Wisconsin
					UMB Fund Services, Inc. owns 100%
			c.	J.D. Clark & Company		Utah
					UMB Fund Services, Inc. owns 100%
	7.	Prairie Capital Management, LLC				Missouri
			UMB Financial Corporation owns 100%
	8.	UMB Merchant Banc, LLC				Missouri
			UMB Financial Corporation owns 100%
			a.	PCM Capital – Concentrated Global LS Equity, LLC		Missouri
					UMB Merchant Banc, LLC owns 100%
			b.	PCM Capital – Diversified Strategies, LLC		Missouri
					UMB Merchant Banc, LLC owns 100%
			c.	PCM Capital – Longshort Equity, LLC		Missouri
					UMB Merchant Banc, LLC owns 100%
			d.	PCM Capital – Managed Equity Fund I, LLC		Missouri
					UMB Merchant Banc, LLC owns 100%
			e.	PCM Capital – Private Equity Co-Investment I, LLC		Missouri
					UMB Merchant Banc, LLC owns 100%
			f.	PCM Capital – Private Equity, LLC		Missouri
					UMB Merchant Banc, LLC owns 100%

Name of Entity Organization				Incorporation or Jurisdiction of
	g.	PCM Capital – Private Equity II, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	h.	PCM Capital – Private Equity III, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	i.	PCM Capital – Select Managers Fund, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	j.	PCM Capital – Spartan Co-Invest, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	k.	PCM Capital – Strategic Small Mid Cap, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	l.	PCM Capital – Tech Investments, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	m.	PCM Capital – Plains Co-Invest, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	n.	PCM Capital – SQ Opportunity Fund, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	o.	PCM Capital – CEC Opportunity, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%
	p.	PCM Capital – Credit Opportunities, LLC		Missouri
			UMB Merchant Banc, LLC owns 100%