8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 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): October 18, 2022

________________

HANCOCK WHITNEY CORPORATION
(Exact Name of Registrant as Specified in Charter) ________________
Mississippi	001-36872			64-0693170
(State or Other Jurisdiction of Incorporation)	(Commission File Number)			(IRS Employer Identification No.)
Hancock Whitney Plaza 2510 14th Street Gulfport, Mississippi (Address of Principal Executive Offices)			39501 (Zip Code)
Registrant’s telephone number, including area code: (228) 868-4000
Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class COMMON STOCK, $3.33 PAR VALUE 6.25% SUBORDINATED NOTES		Trading Symbol HWC HWCPZ		Name of Exchange on Which Registered The NASDAQ Stock Market, LLC The NASDAQ Stock Market, LLC
__________________

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:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act (17 CFR 230.405) or Rule 12b-2 of the Exchange Act (17 CFR 240.12b-2)

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 

Item 2.02 Results of Operations and Financial Condition.

On October 18, 2022, Hancock Whitney Corporation (the “Company”) announced financial results for its third quarter ended September 30, 2022. A copy of this press release and the accompanying financial statements are attached hereto as Exhibit 99.1 and is incorporated by reference into this Item 2.02. The press release is available on the Company’s website.

The information provided in Item 2.02 of this report, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 7.01 Regulation FD Disclosure.

On October 18, 2022 at 4:00 p.m. (Central Time), the Company intends to hold an investor call and webcast to discuss financial results for the quarter ended September 30, 2022, including the press release. Additional presentation materials relating to such call are furnished hereto as Exhibit 99.2 and are, along with the press release and financial statements, incorporated herein by reference. All information in the press release and presentation materials speak as of the date thereof and the Company does not assume any obligation to update said information in the future. In addition, the Company disclaims any inferences regarding the materiality of such information which otherwise may arise as a result of it furnishing such information under Item 2.02 or Item 7.01 of this Form 8-K.

In accordance with the General Instruction B.2 of Form 8-K, the information presented herein pursuant to Item 2.02, “Results of Operations,” and Item 7.01, “Regulation FD,” shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor shall the information be deemed incorporated by reference in any filing under the Exchange Act or the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number	Description
99.1	Press Release dated October 18, 2022 for Quarter Ended September 30, 2022.
99.2	Presentation Slides dated October 18, 2022 (furnished with the Commission as part of this Form 8-K).
104	Cover Page Interactive Data File (embedded within the inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		HANCOCK WHITNEY CORPORATION
October 18, 2022	By:	/s/ Michael M. Achary
		Michael M. Achary
		Chief Financial Officer

EX-99.1

Exhibit 99.1

    FOR IMMEDIATE RELEASE October 18, 2022

For more information

Trisha Voltz Carlson, EVP, Investor Relations Manager

504.299.5208 or trisha.carlson@hancockwhitney.com

Hancock Whitney reports third quarter 2022 EPS of $1.55

GULFPORT, Miss. (October 18, 2022) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the third quarter of 2022. Net income for the third quarter of 2022 totaled $135.4 million, or $1.55 per diluted common share (EPS), compared to $121.4 million, or $1.38 per diluted common share, in the second quarter of 2022. The company reported net income for the third quarter of 2021 of $129.6 million, or $1.46 per diluted common share. The third quarter of 2021 included ($1.4) million, or ($0.01) per share after-tax, of net nonoperating income items. These items included Hurricane Ida expenses of $5.1 million and severance reversal ($1.9) million, offset by the gain of $4.6 million from the sale of the remaining Hancock Horizon Funds.

Third Quarter 2022 Highlights

•Pre-provision net revenue (PPNR) totaled $174.7 million, up $27.8 million, or 19%, linked-quarter

•Total loan growth of $739.5 million, or 14% LQA

•Slight increase in criticized commercial loans of $23.4 million, or 8%, linked-quarter; nonperforming loans remained at historically low levels

•ACL coverage remained strong at 1.50%

•Deposits decreased $915.2 million, or 12% LQA

•NIM increased 50 basis points (bps) to 3.54%

•CET1 ratio estimated at 11.12%, up 4 bps; TCE ratio 6.73%, down 48 bps

•Efficiency ratio improved to 51.62%

“Results for 3Q22 reflect one of the highest performing quarters in the history of our company,” said John M. Hairston, President & CEO. “Similar to last quarter, loan growth exceeded our expectations and was partially funded by the remaining excess liquidity on our balance sheet. This shift in earning asset mix, coupled with the most recent Fed rate increases, drove a 50 basis point widening in our net interest margin. Our asset quality metrics remain near historically low levels, the efficiency ratio improved to 51.6% and our CET1 capital remained strong. These results reflect a well-positioned company focused on improving shareholder value.”

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Loans

Total loans were $22.6 billion at September 30, 2022, up $739.5 million, or 3% from June 30, 2022. Improving line utilization and fewer paydowns contributed to loan growth in all markets across our footprint. Average loans totaled $22.1 billion for the third quarter of 2022, up $481.2 million, or 2%, linked-quarter.

Management expects total loan growth to be 8-9% at year-end 2022 compared to year-end 2021.

Deposits

Total deposits at September 30, 2022 were $29.0 billion, down $915.2 million, or 3%, from June 30, 2022. The decrease in deposits is primarily due to elevated consumer spending, commercial clients deploying excess liquidity into working capital, current rate offerings and expected seasonal outflows.

DDAs totaled $14.3 billion at September 30, 2022, down $385.5 million, or 3%, from June 30, 2022 and comprised almost half (49%) of total period-end deposits. Interest-bearing transaction and savings deposits totaled $10.9 billion at the end of the third quarter of 2022, a decrease of $431.9 million, or 4%, linked-quarter. Compared to June 30, 2022, time deposits of $961.7 million were down $10.5 million, or 1%.Interest-bearing public fund deposits decreased $87.3 million, or 3%, linked-quarter, ending September 30, 2022 at $2.8 billion.

Average deposits for the third quarter of 2022 were $29.2 billion, down $799.3 million, or 3%,linked-quarter. Management expects 2022 period-end deposit levels to be down 3-4% compared to year-end 2021, including fourth quarter of 2022 seasonal year-end deposit growth.

Asset Quality

The total allowance for credit losses (ACL) was $339.6 million at September 30, 2022, up slightlyfrom June 30, 2022. During the third quarter of 2022, the company recorded a positive provision for credit losses of $1.4 million, compared to a negative provision of $9.8 million in the second quarter of 2022. There were $1.3 million of net charge-offs in the third quarter of 2022, or 0.02% of average total loans on an annualized basis, compared to net recoveries of $0.7 million, or (0.01%) of average total loans in the second quarter of 2022. The ratio of ACL to period-end loans was 1.50% at September 30, 2022, compared to 1.55% at June 30, 2022.

The company’s overall asset quality metrics currently sit near historically low levels, with criticized commercial loans up $23.4 million, or 8%, linked-quarter and total nonperforming loans remaining flat linked-quarter. Nonperforming assets (NPAs) totaled $43.8 million at September 30, 2022, virtually unchanged from June 30, 2022. During the third quarter of 2022, total nonperforming loans remained relatively flat, while ORE and foreclosed assets were down $1.4 million, or 40% linked-quarter. Nonperforming assets as a percent of total loans, ORE and other foreclosed assets was 0.19% at September 30, 2022, down 1 bp from June 30, 2022.

Net Interest Income and Net Interest Margin (NIM)

Net interest income (TE) for the third quarter of 2022 was $282.9 million, an increase of $34.6 million, or 14%, from the second quarter of 2022.

The net interest margin (NIM) (TE) was 3.54% in the third quarter of 2022, an increase of 50 bps linked-quarter. Changes related to the recent Fed increases in rates and a shift in the mix of earning assets led to a 64 basis point improvement, slightly offset by the impact from the cost of funds (-13 bps) and PPP loans (-1 bp). Additional NIM detail and guidance can be found in the third quarter earnings investor deck.

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Average earning assets were $31.8 billion for the third quarter of 2022, down $997.0 million, or 3%, from the second quarter of 2022. The decrease reflects the deployment of excess liquidity which partially funded the strong loan growth experienced this quarter.

Noninterest Income

Noninterest income totaled $85.3 million for the third quarter of 2022, down $0.3 million, or less than 1%, from the second quarter of 2022.

Service charges on deposits were up $2.8 million, or 14%, from the second quarter of 2022. As previously announced, the company expects to begin eliminating certain NSF and OD fees in December 2022.

Bankcard and ATM fees were down $0.5 million, or 2%, from the second quarter of 2022.Investment and annuity income and insurance fees were down $1.5 million, or 19%, linked-quarter. The decline in investment and annuity income was related to a temporary disruption from the conversion to a new sales and servicing platform during the quarter. Trust fees were down $1.3 million, or 7% linked-quarter, due to the seasonal impact of tax preparation fees in the second quarter of 2022.

Fees from secondary mortgage operations totaled $3.3 million for the third quarter of 2022, up $0.3 million, or 10%, linked-quarter.

Other noninterest income totaled $14.8 million, down $0.2 million, or 1%, from the second quarter of 2022.

Noninterest Expense & Taxes

Noninterest expense totaled $193.5 million, up $6.4 million, or 3% linked-quarter.

Personnel expense totaled $118.9 million in the third quarter of 2022, up $3.8 million, or 3%, linked-quarter.The increase was due to higher incentive pay and an additional workday in the quarter, slightly offset by lower payroll taxes.

Occupancy and equipment expense totaled $16.9 million in the third quarter of 2022, virtually unchanged from the second quarter of 2022. Amortization of intangibles totaled $3.4 million for the third quarter of 2022, down $0.2 million, or 4%, linked-quarter.

Gains on sales of ORE and other foreclosed assets exceeded related expenses by $1.8 million in the third quarter of 2022, and $88 thousand in the second quarter of 2022. Other operating expense totaled $56.0 million in the third quarter of 2022, up $4.5 million, or 9%, linked-quarter. The increase in other expenses is related to ongoing technology investments.

The effective income tax rate for third quarter 2022 was 20.7%.

Capital

Common stockholders’ equity at September 30, 2022 totaled $3.2 billion, down $169.3 million, or 5%, from June 30, 2022. The tangible common equity (TCE) ratio was 6.73%, down 48 bps from June 30, 2022. The company’s CET1 ratio is estimated to be 11.12% at September 30, 2022, up 4 bps linked-quarter. During the third quarter of 2022, the company repurchased 50,000 shares of its common stock at an average price of $48.02 per share. This stock repurchase is part of the Board authorization to repurchase up to 4,338,000 shares of the company’s common stock, set to expire December 31, 2022. To-date the company has repurchased 1,654,244 shares under this authorization.

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Conference Call and Slide Presentation

Management will host a conference call for analysts and investors at 4:00 p.m. Central Time on Tuesday, October 18, 2022 to review these results. A live listen-only webcast of the call will be available under the Investor Relations section of Hancock Whitney’s website at investors.hancockwhitney.com. A link to the release with additional financial tables, and a link to a slide presentation related to third quarter results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial 844-200-6205 or 646-904-5544, access code 658288.

An audio archive of the conference call will be available under the Investor Relations section of our website. A replay of the call will also be available through October 25, 2022 by dialing 866-813-9403 or 929-458-6194, access code 374610.

About Hancock Whitney

Since the late 1800s, Hancock Whitney has embodied core values of Honor & Integrity, Strength & Stability, and Commitment to Service, Teamwork, and Personal Responsibility. Hancock Whitney offices and financial centers in Mississippi, Alabama, Florida, Louisiana, and Texas offer comprehensive financial products and services, including traditional and online banking; commercial and small business banking; private banking; trust and investment services; healthcare banking; certain insurance services; and mortgage services. The company also operates a loan production office in Nashville, Tennessee. More information is available at www.hancockwhitney.com.

Non-GAAP Financial Measures

This news release includes non-GAAP financial measures to describe Hancock Whitney’s performance. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. The reconciliations of those measures to GAAP measures are provided either in the financial tables or in Appendix A thereto.

Consistent with the provisions of subpart 229.1400 of the Securities and Exchange Commission’s Regulation S-K, “Disclosures by Bank and Savings and Loan Registrants,” the company presents net interest income, net interest margin and efficiency ratios on a fully taxable equivalent (“TE”) basis. The TE basis adjusts for the tax-favored status of net interest income from certain loans and investments using the statutory federal tax rate to increase tax-exempt interest income to a taxable equivalent basis. The company believes this measure to be the preferred industry measurement of net interest income and it enhances comparability of net interest income arising from taxable and tax-exempt sources.

The company presents certain additional non-GAAP financial measures to assist the reader with a better understanding of the company’s performance period over period, as well as to provide investors with assistance in understanding the success management has experienced in executing its strategic initiatives. These non-GAAP measures may reference the concept “operating.” The company uses the term “operating” to describe a financial measure that excludes income or expense considered to be nonoperating in nature. Items identified as nonoperating are those that, when excluded from a reported financial measure, provide management or the reader with a measure that may be more indicative of forward-looking trends in the company’s business.

Important Cautionary Statement about Forward-Looking Statements

This news release contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the

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provision for credit losses, loan growth expectations, management’s predictions about charge-offs for loans, the impact of the COVID-19 pandemic on the economy and our operations, the impacts related to Russia’s military action in Ukraine, Federal Reserve action with respect to interest rates, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings and enforcement actions; the ongoing impact of future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses, success of revenue-generating and cost reduction initiatives, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, the adequacy of our internal controls over financial reporting, the financial impact of regulatory requirements and tax reform legislation, the impact of the change in the referenced rate reform, deposit trends, credit quality trends, the impact of natural or man-made disasters, the impact of PPP loans and forgiveness on our results, changes in interest rates, inflation, net interest margin trends, future expense levels, future profitability, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts, accretion levels and expected returns.

In addition, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook,” or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events. Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this release is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2021 and in other periodic reports that we file with the SEC.

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HANCOCK WHITNEY CORPORATION
FINANCIAL HIGHLIGHTS
(Unaudited)
	Three Months Ended									Nine Months Ended
(dollars and common share data in thousands, except per share amounts)	9/30/2022			6/30/2022			9/30/2021			9/30/2022			9/30/2021
NET INCOME
Net interest income	$	280,307		$	245,732		$	234,709		$	754,502		$	703,939
Net interest income (TE) (a)		282,910			248,317			237,477			762,235			712,483
Provision for credit losses		1,402			(9,761	)		(26,955	)		(30,886	)		(49,095	)
Noninterest income		85,337			85,653			93,361			254,422			274,722
Noninterest expense		193,502			187,097			194,703			560,538			624,545
Income tax expense		35,351			32,614			30,740			98,970			77,739
Net income	$	135,389		$	121,435		$	129,582		$	380,302		$	325,472
For informational purposes - included above, pre-tax
Nonoperating items included in noninterest income:
Gain on sale of Hancock Horizon Funds	$	—		$	—		$	4,576		$	—		$	4,576
Gain on sale of Mastercard Class B common stock		—			—			—			—			2,800
Nonoperating items included in noninterest expense:
Efficiency initiatives		—			—			(1,867	)		—			38,945
Hurricane related expenses		—			—			5,092			—			5,092
Loss on redemption of subordinated notes		—			—			—			—			4,165
PERIOD-END BALANCE SHEET DATA
Loans	$	22,585,585		$	21,846,068		$	20,886,015		$	22,585,585		$	20,886,015
Securities		8,333,191			8,531,393			8,308,622			8,333,191			8,308,622
Earning assets		31,213,449			31,292,910			32,348,036			31,213,449			32,348,036
Total assets		34,567,242			34,637,525			35,318,308			34,567,242			35,318,308
Noninterest-bearing deposits		14,290,817			14,676,342			13,653,376			14,290,817			13,653,376
Total deposits		28,951,274			29,866,432			29,208,157			28,951,274			29,208,157
Common stockholders' equity		3,180,439			3,349,723			3,629,766			3,180,439			3,629,766
AVERAGE BALANCE SHEET DATA
Loans	$	22,138,709		$	21,657,528		$	20,941,173		$	21,643,149		$	21,355,483
Securities (b)		9,177,460			8,979,364			8,368,824			8,949,988			8,014,023
Earning assets		31,783,801			32,780,813			32,097,381			32,583,652			31,773,473
Total assets		34,377,773			35,380,247			35,207,960			35,247,985			34,821,420
Noninterest-bearing deposits		14,323,646			14,655,800			13,535,961			14,447,445			13,053,586
Total deposits		29,180,626			29,979,940			29,237,306			29,727,009			28,872,317
Common stockholders' equity		3,405,463			3,383,789			3,606,087			3,464,699			3,512,651
COMMON SHARE DATA
Earnings per share - diluted	$	1.55		$	1.38		$	1.46		$	4.33		$	3.67
Cash dividends per share		0.27			0.27			0.27			0.81			0.81
Book value per share (period-end)		37.12			39.08			41.81			37.12			41.81
Tangible book value per share (period-end)		26.44			28.37			31.10			26.44			31.10
Weighted average number of shares - diluted		86,020			86,354			87,006			86,439			86,951
Period-end number of shares		85,686			85,714			86,823			85,686			86,823
Market data
High sales price	$	52.65		$	53.15		$	48.19		$	59.82		$	50.69
Low sales price		41.62			42.61			39.07			41.62			32.52
Period-end closing price		45.81			44.33			47.12			45.81			47.12
Trading volume		24,976			27,493			22,482			81,474			77,015
PERFORMANCE RATIOS
Return on average assets		1.56	%		1.38	%		1.46	%		1.44	%		1.25	%
Return on average common equity		15.77	%		14.39	%		14.26	%		14.68	%		12.39	%
Return on average tangible common equity		21.58	%		19.77	%		19.22	%		19.98	%		16.89	%
Tangible common equity ratio (c)		6.73	%		7.21	%		7.85	%		6.73	%		7.85	%
Net interest margin (TE)		3.54	%		3.04	%		2.94	%		3.13	%		3.00	%
Noninterest income as a percentage of total revenue (TE)		23.17	%		25.65	%		28.22	%		25.03	%		27.83	%
Efficiency ratio (d)		51.62	%		54.95	%		57.44	%		54.08	%		57.52	%
Average loan/deposit ratio		75.87	%		72.24	%		71.62	%		72.81	%		73.97	%
Allowance for loan losses as a percentage of period-end loans		1.36	%		1.41	%		1.78	%		1.36	%		1.78	%
Allowance for credit losses as a percentage of period-end loans (e)		1.50	%		1.55	%		1.92	%		1.50	%		1.92	%
Annualized net charge-offs to average loans		0.02	%		(0.01	)%		0.03	%		0.01	%		0.19	%
Allowance for loan losses to nonperforming loans + accruing loans 90 days past due		690.51	%		680.97	%		506.17	%		690.51	%		506.17	%
FTE headcount		3,607			3,594			3,429			3,607			3,429
(a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(b) Average securities does not include unrealized holding gains/losses on available for sale securities.
(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.
(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and nonoperating items.
(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.

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HANCOCK WHITNEY CORPORATION
QUARTERLY FINANCIAL HIGHLIGHTS
(Unaudited)
	Three Months Ended
(dollars and common share data in thousands, except per share amounts)	9/30/2022			6/30/2022			3/31/2022			12/31/2021			9/30/2021
NET INCOME
Net interest income	$	280,307		$	245,732		$	228,463		$	229,296		$	234,709
Net interest income (TE) (a)		282,910			248,317			231,008			231,931			237,477
Provision for credit losses		1,402			(9,761	)		(22,527	)		(28,399	)		(26,955	)
Noninterest income		85,337			85,653			83,432			89,612			93,361
Noninterest expense		193,502			187,097			179,939			182,462			194,703
Income tax expense		35,351			32,614			31,005			27,102			30,740
Net income	$	135,389		$	121,435		$	123,478		$	137,743		$	129,582
For informational purposes - included above, pre-tax
Nonoperating items included in noninterest income:
Gain on hurricane-related insurance settlement	$	—		$	—		$	—		$	3,600		$	—
Gain on sale of Hancock Horizon Funds		—			—			—			—			4,576
Nonoperating items included in noninterest expense:
Efficiency initiatives		—			—			—			(649	)		(1,867	)
Hurricane related expenses		—			—			—			(680	)		5,092
PERIOD-END BALANCE SHEET DATA
Loans	$	22,585,585		$	21,846,068		$	21,323,341		$	21,134,282		$	20,886,015
Securities		8,333,191			8,531,393			8,481,095			8,552,449			8,308,622
Earning assets		31,213,449			31,292,910			32,997,323			33,610,435			32,348,036
Total assets		34,567,242			34,637,525			36,317,291			36,531,205			35,318,308
Noninterest-bearing deposits		14,290,817			14,676,342			14,976,670			14,392,808			13,653,376
Total deposits		28,951,274			29,866,432			30,499,709			30,465,897			29,208,157
Common stockholders' equity		3,180,439			3,349,723			3,450,951			3,670,352			3,629,766
AVERAGE BALANCE SHEET DATA
Loans	$	22,138,709		$	21,657,528		$	21,122,038		$	20,770,130		$	20,941,173
Securities (b)		9,177,460			8,979,364			8,687,758			8,378,258			8,368,824
Earning assets		31,783,801			32,780,813			33,201,926			32,913,659			32,097,381
Total assets		34,377,773			35,380,247			36,003,803			35,829,027			35,207,960
Noninterest-bearing deposits		14,323,646			14,655,800			14,363,324			14,126,335			13,535,961
Total deposits		29,180,626			29,979,940			30,029,793			29,750,665			29,237,306
Common stockholders' equity		3,405,463			3,383,789			3,607,061			3,642,003			3,606,087
COMMON SHARE DATA
Earnings per share - diluted	$	1.55		$	1.38		$	1.40		$	1.55		$	1.46
Cash dividends per share		0.27			0.27			0.27			0.27			0.27
Book value per share (period-end)		37.12			39.08			39.91			42.31			41.81
Tangible book value per share (period-end)		26.44			28.37			29.25			31.64			31.10
Weighted average number of shares - diluted		86,020			86,354			86,936			87,132			87,006
Period-end number of shares		85,686			85,714			86,460			86,749			86,823
Market data
High sales price	$	52.65		$	53.15		$	59.82		$	53.61		$	48.19
Low sales price		41.62			42.61			50.25			45.06			39.07
Period-end closing price		45.81			44.33			52.15			50.02			47.12
Trading volume		24,976			27,493			29,005			23,889			22,482
PERFORMANCE RATIOS
Return on average assets		1.56	%		1.38	%		1.39	%		1.53	%		1.46	%
Return on average common equity		15.77	%		14.39	%		13.88	%		15.00	%		14.26	%
Return on average tangible common equity		21.58	%		19.77	%		18.66	%		20.13	%		19.22	%
Tangible common equity ratio (c)		6.73	%		7.21	%		7.15	%		7.71	%		7.85	%
Net interest margin (TE)		3.54	%		3.04	%		2.81	%		2.80	%		2.94	%
Noninterest income as a percentage of total revenue (TE)		23.17	%		25.65	%		26.53	%		27.87	%		28.22	%
Efficiency ratio (d)		51.62	%		54.95	%		56.03	%		56.57	%		57.44	%
Average loan/deposit ratio		75.87	%		72.24	%		70.34	%		69.81	%		71.62	%
Allowance for loan losses as a percentage of period-end loans		1.36	%		1.41	%		1.49	%		1.62	%		1.78	%
Allowance for credit losses as a percentage of period-end loans (e)		1.50	%		1.55	%		1.63	%		1.76	%		1.92	%
Annualized net charge-offs to average loans		0.02	%		(0.01	)%		0.01	%		0.01	%		0.03	%
Allowance for loan losses to nonperforming loans + accruing loans 90 days past due		690.51	%		680.97	%		640.81	%		527.59	%		506.17	%
FTE headcount		3,607			3,594			3,543			3,486			3,429
(a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(b) Average securities does not include unrealized holding gains/losses on available for sale securities.
(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.
(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and nonoperating items.
(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.

7

HANCOCK WHITNEY CORPORATION
INCOME STATEMENT
(Unaudited)
	Three Months Ended									Nine Months Ended
(dollars in thousands, except per share data)	9/30/2022			6/30/2022			9/30/2021			9/30/2022			9/30/2021
NET INCOME
Interest income	$	299,737		$	254,864		$	244,417		$	791,387		$	743,502
Interest income (TE) (f)		302,340			257,449			247,185			799,120			752,046
Interest expense		19,430			9,132			9,708			36,885			39,563
Net interest income (TE)		282,910			248,317			237,477			762,235			712,483
Provision for credit losses		1,402			(9,761	)		(26,955	)		(30,886	)		(49,095	)
Noninterest income		85,337			85,653			93,361			254,422			274,722
Noninterest expense		193,502			187,097			194,703			560,538			624,545
Income before income taxes		170,740			154,049			160,322			479,272			403,211
Income tax expense		35,351			32,614			30,740			98,970			77,739
Net income	$	135,389		$	121,435		$	129,582		$	380,302		$	325,472
For informational purposes - included above, pre-tax
Nonoperating items included in noninterest income:
Gain on sale of Hancock Horizon Funds	$	—		$	—		$	4,576		$	—		$	4,576
Gain on sale of Mastercard Class B common stock		—			—			—			—			2,800
Nonoperating items included in noninterest expense:
Efficiency initiatives		—			—			(1,867	)		—			38,945
Hurricane related expenses		—			—			5,092			—			5,092
Loss on redemption of subordinated notes		—			—			—			—			4,165
NONINTEREST INCOME
Service charges on deposit accounts	$	23,272		$	20,495		$	21,159		$	65,441		$	59,686
Trust fees		16,048			17,309			16,041			48,636			47,351
Bank card and ATM fees		21,412			21,870			19,833			63,678			58,436
Investment and annuity fees and insurance commissions		6,492			8,001			7,167			21,920			21,956
Secondary mortgage market operations		3,284			2,990			6,972			10,020			31,238
Other income		14,829			14,988			22,189			44,727			56,055
Total noninterest income	$	85,337		$	85,653		$	93,361		$	254,422		$	274,722
NONINTEREST EXPENSE
Personnel expense	$	118,922		$	115,170		$	111,978		$	341,488		$	374,247
Net occupancy and equipment expense		16,938			16,928			16,868			50,413			51,906
Other real estate and foreclosed assets income, net		(1,782	)		(88	)		(376	)		(3,634	)		(456	)
Other expense		55,996			51,501			62,151			161,509			186,102
Amortization of intangibles		3,428			3,586			4,082			10,762			12,746
Total operating expense	$	193,502		$	187,097		$	194,703		$	560,538		$	624,545
COMMON SHARE DATA
Earnings per share:
Basic	$	1.56		$	1.39		$	1.46		$	4.35		$	3.67
Diluted		1.55			1.38			1.46			4.33			3.67
(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.

8

HANCOCK WHITNEY CORPORATION
INCOME STATEMENT
(Unaudited)
	Three Months Ended
(in thousands, except per share data)	9/30/2022			6/30/2022			3/31/2022			12/31/2021			9/30/2021
NET INCOME
Interest income	$	299,737		$	254,864		$	236,786		$	238,756		$	244,417
Interest income (TE) (f)		302,340			257,449			239,331			241,391			247,185
Interest expense		19,430			9,132			8,323			9,460			9,708
Net interest income (TE)		282,910			248,317			231,008			231,931			237,477
Provision for credit losses		1,402			(9,761	)		(22,527	)		(28,399	)		(26,955	)
Noninterest income		85,337			85,653			83,432			89,612			93,361
Noninterest expense		193,502			187,097			179,939			182,462			194,703
Income before income taxes		170,740			154,049			154,483			164,845			160,322
Income tax expense		35,351			32,614			31,005			27,102			30,740
Net income	$	135,389		$	121,435		$	123,478		$	137,743		$	129,582
For informational purposes - included above, pre-tax
Nonoperating items included in noninterest income:
Gain on hurricane-related insurance settlement	$	—		$	—		$	—		$	3,600		$	—
Gain on sale of Hancock Horizon Funds		—			—			—			—			4,576
Nonoperating items included in noninterest expense:
Efficiency initiatives		—			—			—			(649	)		(1,867	)
Hurricane related expenses		—			—			—			(680	)		5,092
NONINTEREST INCOME
Service charges on deposit accounts	$	23,272		$	20,495		$	21,674		$	21,346		$	21,159
Trust fees		16,048			17,309			15,279			15,547			16,041
Bank card and ATM fees		21,412			21,870			20,396			20,638			19,833
Investment and annuity fees and insurance commissions		6,492			8,001			7,427			7,546			7,167
Secondary mortgage market operations		3,284			2,990			3,746			5,456			6,972
Other income		14,829			14,988			14,910			19,079			22,189
Total noninterest income	$	85,337		$	85,653		$	83,432		$	89,612		$	93,361
NONINTEREST EXPENSE
Personnel expense	$	118,922		$	115,170		$	107,396		$	108,128		$	111,978
Net occupancy and equipment expense		16,938			16,928			16,547			16,047			16,868
Other real estate and foreclosed assets expense (income), net		(1,782	)		(88	)		(1,764	)		246			(376	)
Other expense		55,996			51,501			54,012			54,122			62,151
Amortization of intangibles		3,428			3,586			3,748			3,919			4,082
Total noninterest expense	$	193,502		$	187,097		$	179,939		$	182,462		$	194,703
COMMON SHARE DATA
Earnings per share:
Basic	$	1.56		$	1.39		$	1.40		$	1.56		$	1.46
Diluted		1.55			1.38			1.40			1.55			1.46
(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.

9

HANCOCK WHITNEY CORPORATION
PERIOD-END BALANCE SHEET
(Unaudited)
(dollars in thousands)	9/30/2022			6/30/2022			3/31/2022			12/31/2021			9/30/2021
ASSETS
Commercial non-real estate loans	$	9,905,427		$	9,645,092		$	9,584,480		$	9,612,460		$	9,416,990
Commercial real estate - owner occupied loans		3,033,133			2,964,474			2,868,233			2,821,246			2,812,926
Total commercial and industrial loans		12,938,560			12,609,566			12,452,713			12,433,706			12,229,916
Commercial real estate - income producing loans		3,686,540			3,641,243			3,563,299			3,464,626			3,467,939
Construction and land development loans		1,541,257			1,408,727			1,286,655			1,228,670			1,213,991
Residential mortgage loans		2,843,723			2,615,807			2,462,900			2,423,890			2,351,053
Consumer loans		1,575,505			1,570,725			1,557,774			1,583,390			1,623,116
Total loans		22,585,585			21,846,068			21,323,341			21,134,282			20,886,015
Loans held for sale		33,008			44,253			59,877			93,069			90,618
Securities		8,333,191			8,531,393			8,481,095			8,552,449			8,308,622
Short-term investments		261,665			871,196			3,133,010			3,830,635			3,062,781
Earning assets		31,213,449			31,292,910			32,997,323			33,610,435			32,348,036
Allowance for loan losses		(306,116	)		(308,175	)		(317,843	)		(342,065	)		(371,521	)
Goodwill and other intangible assets		914,917			918,345			921,932			925,679			929,599
Other assets		2,744,992			2,734,445			2,715,879			2,337,156			2,412,194
Total assets	$	34,567,242		$	34,637,525		$	36,317,291		$	36,531,205		$	35,318,308
LIABILITIES
Noninterest-bearing deposits	$	14,290,817		$	14,676,342		$	14,976,670		$	14,392,808		$	13,653,376
Interest-bearing transaction and savings deposits		10,902,399			11,334,253			11,460,993			11,649,855			11,291,878
Interest-bearing public fund deposits		2,796,363			2,883,664			3,014,307			3,294,607			3,055,388
Time deposits		961,695			972,173			1,047,739			1,128,627			1,207,515
Total interest-bearing deposits		14,660,457			15,190,090			15,523,039			16,073,089			15,554,781
Total deposits		28,951,274			29,866,432			30,499,709			30,465,897			29,208,157
Short-term borrowings		1,542,981			630,011			1,620,302			1,665,061			1,745,228
Long-term debt		236,410			240,091			240,454			244,220			248,011
Other liabilities		656,138			551,268			505,875			485,675			487,146
Total liabilities		31,386,803			31,287,802			32,866,340			32,860,853			31,688,542
COMMON STOCKHOLDERS' EQUITY
Common stock net of treasury and capital surplus		2,024,960			2,020,411			2,051,534			2,065,214			2,084,387
Retained earnings		1,968,260			1,856,489			1,758,693			1,659,073			1,545,181
Accumulated other comprehensive income (loss)		(812,781	)		(527,177	)		(359,276	)		(53,935	)		198
Total common stockholders' equity		3,180,439			3,349,723			3,450,951			3,670,352			3,629,766
Total liabilities & stockholders' equity	$	34,567,242		$	34,637,525		$	36,317,291		$	36,531,205		$	35,318,308
For informational purposes only - included above
SBA Paycheck Protection Program (PPP) loans	$	75,719		$	151,315		$	334,828		$	531,059		$	935,330
CAPITAL RATIOS
Tangible common equity	$	2,265,522		$	2,431,378		$	2,529,019		$	2,744,673		$	2,700,167
Tier 1 capital (g)		3,153,988			3,034,240			2,963,501			2,890,770			2,799,037
Common equity as a percentage of total assets		9.20	%		9.67	%		9.50	%		10.05	%		10.28	%
Tangible common equity ratio		6.73	%		7.21	%		7.15	%		7.71	%		7.85	%
Leverage (Tier 1) ratio (g)		9.27	%		8.68	%		8.38	%		8.25	%		8.15	%
Common equity tier 1 (CET1) ratio (g)		11.12	%		11.08	%		11.12	%		11.09	%		11.17	%
Tier 1 risk-based capital ratio (g)		11.12	%		11.08	%		11.12	%		11.09	%		11.17	%
Total risk-based capital ratio (g)		12.69	%		12.70	%		12.82	%		12.84	%		13.06	%
(g) Estimated for most recent period-end. Regulatory capital ratios reflect the election to use the five-year transition rules for the adoption of ASC 326, commonly referred to as Current Expected Credit Loss, or CECL.

10

HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE SHEET
(Unaudited)
	Three Months Ended									Nine Months Ended
(in thousands)	9/30/2022			6/30/2022			9/30/2021			9/30/2022			9/30/2021
ASSETS
Commercial non-real estate loans	$	9,738,424		$	9,718,550		$	9,379,155		$	9,652,463		$	9,771,661
Commercial real estate - owner occupied loans		2,993,477			2,915,528			2,818,968			2,925,881			2,813,427
Total commercial and industrial loans		12,731,901			12,634,078			12,198,123			12,578,344			12,585,088
Commercial real estate - income producing loans		3,634,667			3,592,220			3,485,583			3,579,735			3,425,191
Construction and land development loans		1,489,369			1,335,755			1,234,637			1,357,047			1,150,104
Residential mortgage loans		2,713,383			2,534,600			2,376,500			2,564,111			2,472,496
Consumer loans		1,569,389			1,560,875			1,646,330			1,563,912			1,722,604
Total loans		22,138,709			21,657,528			20,941,173			21,643,149			21,355,483
Loans held for sale		35,217			48,099			82,588			49,089			94,553
Securities (h)		9,177,460			8,979,364			8,368,824			8,949,988			8,014,023
Short-term investments		432,415			2,095,822			2,704,796			1,941,426			2,309,414
Earning assets		31,783,801			32,780,813			32,097,381			32,583,652			31,773,473
Allowance for loan losses		(308,407	)		(315,851	)		(392,767	)		(320,771	)		(420,900	)
Goodwill and other intangible assets		916,582			920,080			931,584			920,112			935,767
Other assets		1,985,797			1,995,205			2,571,762			2,064,992			2,533,080
Total assets	$	34,377,773		$	35,380,247		$	35,207,960		$	35,247,985		$	34,821,420
LIABILITIES AND COMMON STOCKHOLDERS' EQUITY
Noninterest-bearing deposits	$	14,323,646		$	14,655,800		$	13,535,961		$	14,447,445		$	13,053,586
Interest-bearing transaction and savings deposits		11,164,395			11,412,944			11,341,034			11,332,638			11,152,935
Interest-bearing public fund deposits		2,738,196			2,906,018			3,085,452			2,931,393			3,167,956
Time deposits		954,389			1,005,178			1,274,859			1,015,533			1,497,840
Total interest-bearing deposits		14,856,980			15,324,140			15,701,345			15,279,564			15,818,731
Total deposits		29,180,626			29,979,940			29,237,306			29,727,009			28,872,317
Short-term borrowings		950,570			1,224,183			1,612,253			1,285,511			1,653,600
Long-term debt		238,372			240,322			248,019			240,161			338,336
Other liabilities		602,742			552,013			504,295			530,605			444,516
Common stockholders' equity		3,405,463			3,383,789			3,606,087			3,464,699			3,512,651
Total liabilities & stockholders' equity	$	34,377,773		$	35,380,247		$	35,207,960		$	35,247,985		$	34,821,420
For informational purposes only - included above
SBA Paycheck Protection Program (PPP) loans	$	108,945		$	231,133		$	1,172,276		$	255,636		$	1,798,465
(h) Average securities does not include unrealized holding gains/losses on available for sale securities.

11

HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)
	Three Months Ended
	9/30/2022							6/30/2022							9/30/2021
(dollars in millions)	Average  Balance		Interest		Rate			Average   Balance		Interest		Rate			Average  Balance		Interest		Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i)	$	17,855.9	$	203.0		4.51	%	$	17,562.0	$	165.9		3.79	%	$	16,918.4	$	150.3		3.52	%
Residential mortgage loans		2,713.4		22.7		3.34	%		2,534.6		21.1		3.33	%		2,376.5		21.5		3.63	%
Consumer loans		1,569.4		23.2		5.87	%		1,560.9		19.6		5.03	%		1,646.3		20.4		4.90	%
Loan fees & late charges		—		1.3		0.00	%		—		1.9		0.00	%		—		13.5		0.00	%
Total loans (TE) (j) (k)		22,138.7		250.2		4.49	%		21,657.5		208.5		3.86	%		20,941.2		205.7		3.90	%
Loans held for sale		35.2		0.4		4.48	%		48.1		0.4		3.69	%		82.6		0.6		3.06	%
US Treasury and government agency securities		420.3		2.0		1.94	%		387.6		1.7		1.79	%		395.6		1.6		1.59	%
CMOs and mortgage backed securities		7,822.4		40.9		2.09	%		7,658.2		36.3		1.90	%		7,033.7		31.4		1.79	%
Municipals (TE)		911.5		6.8		2.97	%		912.4		6.8		2.96	%		925.0		6.8		2.93	%
Other securities		23.3		0.2		3.54	%		21.2		0.2		3.34	%		14.5		0.1		3.56	%
Total securities (TE) (l)		9,177.5		49.9		2.17	%		8,979.4		45.0		2.00	%		8,368.8		39.9		1.91	%
Total short-term investments		432.4		1.8		1.69	%		2,095.8		3.5		0.67	%		2,704.8		1.0		0.15	%
Average earning assets yield (TE)	$	31,783.8	$	302.3		3.78	%	$	32,780.8	$	257.4		3.15	%	$	32,097.4	$	247.2		3.06	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits	$	11,164.4	$	4.3		0.15	%	$	11,412.9	$	1.3		0.05	%	$	11,341.0	$	1.7		0.06	%
Time deposits		954.4		0.4		0.18	%		1,005.2		0.4		0.15	%		1,274.9		1.0		0.32	%
Public funds		2,738.2		8.9		1.28	%		2,906.0		3.3		0.46	%		3,085.4		2.3		0.30	%
Total interest-bearing deposits		14,857.0		13.6		0.36	%		15,324.1		5.0		0.13	%		15,701.3		5.0		0.13	%
Short-term borrowings		950.6		2.7		1.15	%		1,224.2		1.0		0.31	%		1,612.3		1.5		0.36	%
Long-term debt		238.4		3.1		5.20	%		240.3		3.1		5.20	%		248.0		3.2		5.08	%
Total borrowings		1,189.0		5.8		1.96	%		1,464.5		4.1		1.12	%		1,860.3		4.7		0.99	%
Total interest-bearing liabilities cost		16,046.0		19.4		0.48	%		16,788.6		9.1		0.22	%		17,561.6		9.7		0.22	%
Net interest-free funding sources		15,737.8							15,992.2							14,535.8
Total cost of funds		31,783.8		19.4		0.24	%		32,780.8		9.1		0.11	%		32,097.4		9.7		0.12	%
Net Interest Spread (TE)			$	282.9		3.30	%			$	248.3		2.93	%			$	237.5		2.84	%
Net Interest Margin (TE)	$	31,783.8	$	282.9		3.54	%	$	32,780.8	$	248.3		3.04	%	$	32,097.4	$	237.5		2.94	%
(i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(j) Includes nonaccrual loans.
(k) Included in interest income is net purchase accounting accretion of $1.2 million, $1.2 million and $1.6 million for the three months ended September 30, 2022, June 30, 2022 and September 30, 2021, respectively.
(l) Average securities does not include unrealized holding gains/losses on available for sale securities.

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HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)
	Nine Months Ended
	9/30/2022							9/30/2021
(dollars in millions)	Average  Balance		Interest		Rate			Average  Balance		Interest		Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i)	$	17,515.1	$	519.3		3.96	%	$	17,160.4	$	455.4		3.55	%
Residential mortgage loans		2,564.1		64.8		3.37	%		2,472.5		70.1		3.78	%
Consumer loans		1,563.9		61.2		5.23	%		1,722.6		62.7		4.87	%
Loan fees & late charges		—		7.6		0.00	%		—		43.4		0.00	%
Total loans (TE) (j) (k)		21,643.1		652.9		4.03	%		21,355.5		631.6		3.95	%
Loans held for sale		49.1		1.5		4.17	%		94.6		2.0		2.76	%
US Treasury and government agency securities		402.0		5.4		1.79	%		301.0		3.7		1.66	%
CMOs and mortgage backed securities		7,612.7		111.7		1.96	%		6,770.4		91.8		1.81	%
Municipals (TE)		913.5		20.2		2.96	%		929.8		20.4		2.93	%
Other securities		21.8		0.5		3.40	%		12.8		0.4		3.73	%
Total securities (TE) (l)		8,950.0		137.8		2.05	%		8,014.0		116.3		1.94	%
Total short-term investments		1,941.4		6.9		0.47	%		2,309.4		2.1		0.12	%
Average earning assets yield (TE)	$	32,583.6	$	799.1		3.28	%	$	31,773.5	$	752.0		3.16	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits	$	11,332.6	$	6.7		0.08	%	$	11,152.9	$	7.8		0.09	%
Time deposits		1,015.5		1.5		0.19	%		1,497.8		5.7		0.51	%
Public funds		2,931.4		14.2		0.65	%		3,168.0		7.8		0.33	%
Total interest-bearing deposits		15,279.5		22.4		0.20	%		15,818.7		21.3		0.18	%
Short-term borrowings		1,285.5		5.1		0.53	%		1,653.6		4.6		0.37	%
Long-term debt		240.2		9.4		5.19	%		338.4		13.6		5.37	%
Total borrowings		1,525.7		14.5		1.27	%		1,992.0		18.2		1.22	%
Total interest-bearing liabilities cost		16,805.2		36.9		0.29	%		17,810.7		39.5		0.30	%
Net interest-free funding sources		15,778.4							13,962.8
Total cost of funds		32,583.6		36.9		0.15	%		31,773.5		39.5		0.17	%
Net Interest Spread (TE)			$	762.2		2.99	%			$	712.5		2.87	%
Net Interest Margin (TE)	$	32,583.6	$	762.2		3.13	%	$	31,773.5	$	712.5		3.00	%
(i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(j) Includes nonaccrual loans.
(k) Included in interest income is net purchase accounting accretion of $3.9 million and $6.7 million for the nine months ended September 30, 2022 and 2021, respectively.
(l) Average securities does not include unrealized holding gains/losses on available for sale securities.

13

HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)
	Three Months Ended									Nine Months Ended
(dollars in thousands)	9/30/2022			6/30/2022			9/30/2021			9/30/2022			9/30/2021
Nonaccrual loans (m)	$	39,807		$	38,066		$	60,357		$	39,807		$	60,357
Restructured loans - still accruing		1,925			2,492			3,071			1,925			3,071
Total nonperforming loans		41,732			40,558			63,428			41,732			63,428
ORE and foreclosed assets		2,085			3,467			8,423			2,085			8,423
Total nonperforming assets	$	43,817		$	44,025		$	71,851		$	43,817		$	71,851
Nonperforming assets as a percentage of loans, ORE and foreclosed assets		0.19	%		0.20	%		0.34	%		0.19	%		0.34	%
Accruing loans 90 days past due	$	2,600		$	4,697		$	9,970		$	2,600		$	9,970
Accruing loans 90 days past due as a percentage of loans		0.01	%		0.02	%		0.05	%		0.01	%		0.05	%
Nonperforming assets + accruing loans 90 days past due to loans, ORE and foreclosed assets		0.21	%		0.22	%		0.39	%		0.21	%		0.39	%
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for Loan Losses:
Beginning balance	$	308,175		$	317,843		$	399,668		$	342,065		$	450,177
Provision for loan losses		(763	)		(10,354	)		(26,377	)		(35,020	)		(48,134	)
Charge-offs		(6,587	)		(5,975	)		(6,755	)		(17,947	)		(44,681	)
Recoveries		5,291			6,661			4,985			17,018			14,159
Net charge-offs		(1,296	)		686			(1,770	)		(929	)		(30,522	)
Ending Balance	$	306,116		$	308,175		$	371,521		$	306,116		$	371,521
Reserve for Unfunded Lending Commitments:
Beginning balance	$	31,303		$	30,710		$	29,524		$	29,334		$	29,907
Provision for losses on unfunded lending commitments		2,165			593			(578	)		4,134			(961	)
Ending balance	$	33,468		$	31,303		$	28,946		$	33,468		$	28,946
Total Allowance for Credit Losses	$	339,584		$	339,478		$	400,467		$	339,584		$	400,467
Total Provision for Credit Losses	$	1,402		$	(9,761	)	$	(26,955	)	$	(30,886	)	$	(49,095	)
Allowance for loan losses as a percentage of period-end loans		1.36	%		1.41	%		1.78	%		1.36	%		1.78	%
Allowance for credit losses as a percentage of period-end loans		1.50	%		1.55	%		1.92	%		1.50	%		1.92	%
Allowance for loan losses to nonperforming loans + accruing loans 90 days past due		690.51	%		680.97	%		506.17	%		690.51	%		506.17	%
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries):
Commercial & real estate loans	$	(270	)	$	(1,611	)	$	536		$	(2,695	)	$	25,999
Residential mortgage loans		(894	)		(448	)		(485	)		(1,361	)		(715	)
Consumer loans		2,460			1,373			1,719			4,985			5,238
Total net charge-offs (recoveries)	$	1,296		$	(686	)	$	1,770		$	929		$	30,522
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans		(0.01	)%		(0.04	)%		0.01	%		(0.02	)%		0.20	%
Residential mortgage loans		(0.13	)%		(0.07	)%		(0.08	)%		(0.07	)%		(0.04	)%
Consumer loans		0.62	%		0.35	%		0.41	%		0.43	%		0.41	%
Total net charge-offs as a percentage of average loans		0.02	%		(0.01	)%		0.03	%		0.01	%		0.19	%
(m) Included in nonaccrual loans are nonaccruing restructured loans totaling $2.8 million, $3.2 million and $7.2 million at September 30, 2022, June 30, 2022, and September 30, 2021, respectively.

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HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)
	Three Months Ended
(dollars in thousands)	9/30/2022			6/30/2022			3/31/2022			12/31/2021			9/30/2021
Nonaccrual loans (m)	$	39,807		$	38,066		$	42,439		$	55,523		$	60,357
Restructured loans - still accruing		1,925			2,492			2,903			3,788			3,071
Total nonperforming loans		41,732			40,558			45,342			59,311			63,428
ORE and foreclosed assets		2,085			3,467			6,345			7,533			8,423
Total nonperforming assets	$	43,817		$	44,025		$	51,687		$	66,844		$	71,851
Nonperforming assets as a percentage of loans, ORE and foreclosed assets		0.19	%		0.20	%		0.24	%		0.32	%		0.34	%
Accruing loans 90 days past due	$	2,600		$	4,697		$	4,258		$	5,524		$	9,970
Accruing loans 90 days past due as a percentage of loans		0.01	%		0.02	%		0.02	%		0.03	%		0.05	%
Nonperforming assets + accruing loans 90 days past due to loans, ORE and foreclosed assets		0.21	%		0.22	%		0.26	%		0.34	%		0.39	%
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses	$	306,116		$	308,175		$	317,843		$	342,065		$	371,521
Reserve for unfunded lending commitments		33,468			31,303			30,710			29,334			28,946
Total allowance for credit losses	$	339,584		$	339,478		$	348,553		$	371,399		$	400,467
Total provision for credit losses	$	1,402		$	(9,761	)	$	(22,527	)	$	(28,399	)	$	(26,955	)
Allowance for loan losses as a percentage of period-end loans		1.36	%		1.41	%		1.49	%		1.62	%		1.78	%
Allowance for credit losses as a percentage of period-end loans		1.50	%		1.55	%		1.63	%		1.76	%		1.92	%
Allowance for loan losses to nonperforming loans + accruing loans 90 days past due		690.51	%		680.97	%		640.81	%		527.59	%		506.17	%
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries)
Commercial & real estate loans	$	(270	)	$	(1,611	)	$	(814	)	$	(502	)	$	536
Residential mortgage loans		(894	)		(448	)		(19	)		(31	)		(485	)
Consumer loans		2,460			1,373			1,152			1,202			1,719
Total net charge-offs	$	1,296		$	(686	)	$	319		$	669		$	1,770
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans		(0.01	)%		(0.04	)%		(0.02	)%		(0.01	)%		0.01	%
Residential mortgage loans		(0.13	)%		(0.07	)%		(0.00	)%		(0.01	)%		(0.08	)%
Consumer loans		0.62	%		0.35	%		0.30	%		0.30	%		0.41	%
Total net charge-offs as a percentage of average loans:		0.02	%		(0.01	)%		0.01	%		0.01	%		0.03	%
AVERAGE LOANS
Commercial & real estate loans	$	17,855,937		$	17,562,053		$	17,119,295		$	16,802,799		$	16,918,343
Residential mortgage loans		2,713,383			2,534,600			2,441,359			2,365,798			2,376,500
Consumer loans		1,569,389			1,560,875			1,561,384			1,601,533			1,646,330
Total average loans	$	22,138,709		$	21,657,528		$	21,122,038		$	20,770,130		$	20,941,173
(m) Included in nonaccrual loans are nonaccruing restructured loans totaling $2.8 million, $3.2 million, $3.6 million, $6.8 million, and $7.2 million at September 30, 2022, June 30, 2022, March 31, 2022, December 31, 2021, and September 30, 2021, respectively.

15

HANCOCK WHITNEY CORPORATION
Appendix A to the Earnings Release
Reconciliation of Non-GAAP Measure
OPERATING REVENUE (TE) AND OPERATING PRE-PROVISION NET REVENUE (TE)
	Three Months Ended															Nine Months Ended
(in thousands)	9/30/2022			6/30/2022			3/31/2022			12/31/2021			9/30/2021			9/30/2022			9/30/2021
Net interest income	$	280,307		$	245,732		$	228,463		$	229,296		$	234,709		$	754,502		$	703,939
Noninterest income		85,337			85,653			83,432			89,612			93,361			254,422			274,722
Total revenue		365,644			331,385			311,895			318,908			328,070			1,008,924			978,661
Taxable equivalent adjustment (n)		2,603			2,585			2,545			2,635			2,768			7,733			8,544
Nonoperating revenue		—			—			—			(3,600	)		(4,576	)		—			(7,376	)
Operating revenue (TE)		368,247			333,970			314,440			317,943			326,262			1,016,657			979,829
Noninterest expense		(193,502	)		(187,097	)		(179,939	)		(182,462	)		(194,703	)		(560,538	)		(624,545	)
Nonoperating expense		—			—			—			(1,329	)		3,225			—			48,202
Operating pre-provision net revenue (TE)	$	174,745		$	146,873		$	134,501		$	134,152		$	134,784		$	456,119		$	403,486
(n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.

16

EX-99.2

Third Quarter 2022Earnings Conference Call 10/18/2022 HANCOCK WHITNEY Exhibit 99.2

This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provision for credit losses, loan growth expectations, management’s predictions about charge-offs for loans, the impact of the COVID-19 pandemic on the economy and our operations, the impacts related to Russia’s military action in Ukraine, Federal Reserve action with respect to interest rates, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings and enforcement actions; the ongoing impact of future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses, success of revenue-generating and cost reduction initiatives, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, the adequacy of our internal controls over financial reporting, the financial impact of regulatory requirements and tax reform legislation, the impact of the change in the reference rate reform, deposit trends, credit quality trends, the impact of natural or man-made disasters, the impact of PPP loans and forgiveness on our results, changes in interest rates, inflation, net interest margin trends, future expense levels, future profitability, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts, accretion levels and expected returns. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook," or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events. Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this release is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2021 and in other periodic reports that we file with the SEC. Important cautionary statement about forward-looking statements HNCOCK WHITNEY 2

Non-GAAP Reconciliations & Glossary of Terms Throughout this presentation we may use non-GAAP numbers to supplement the evaluation of our performance. The items noted below with an asterisk, "*", are considered non-GAAP. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements, and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. Reconciliations of those non-GAAP measures to the comparable GAAP measure are included in the appendix to this presentation. The earnings release, financial tables and supporting slide presentation can be found on the company’s Investor Relations website at investors.hancockwhitney.com. AFS – Available for sale securities ACL – Allowance for credit losses Annualized – Calculated to reflect a rate based on afull year AMBR – Ameribor Unsecured Overnight Rate AOCI – Accumulated other comprehensive income ARM – Adjustable Rate Mortgage B – Dollars in billions beta – repricing based on a change in market rates bps – basis points C&D – Construction and land development loans C&I – Commercial and industrial loans CDI – Core Deposit Intangible CET1 – Common Equity Tier 1 Ratio Core Loans - Loans excluding PPP activity COVID-19 – Pandemic related virus CRE – Commercial real estate DDA – Noninterest-bearing demand deposit accounts DP – Data processing (e) – estimated *Efficiency ratio – noninterest expense to total net interest (TE) and noninterest income, excluding amortization of purchased intangibles and nonoperating items EOP – End of period EPS – Earnings per share Excess liquidity - deposits held at the Fed plus investment in the bond portfolio above normal levels Fed - Federal Reserve Bank FF – Federal Funds FHLB – Federal Home Loan Bank FOTO – FHLB Owns The Option FTE – Full time equivalent FV – Fair Value HFS – Held for sale HTM – Held to maturity securities ICRE – Income-producing commercial real estate IRR – Interest rate risk LIBOR – London Inter-Bank Offered Rate Line Utilization - represents the used portion of a revolving line resulting in a funded balance for a given portfolio; credit cards, construction loans (commercial and residential), and consumer lines of credit are excluded from the calculation Linked-quarter (LQ) – current quarter compared to previous quarter LQA – Linked-quarter annualized M&A – Mergers and acquisitions MM – Dollars in millions MMDDYY – Month Day Year NII – Net interest income *NIM – Net interest margin (TE) NPA – Nonperforming assets NPL – Nonperforming loans OCI – Other comprehensive income OFA – Other foreclosed assets *Operating – Financial measure excluding nonoperating items *Operating Leverage – Operating revenue (TE) less operating expense; also known as PPNR ORE – Other real estate PF – Public Funds *PPNR – Pre-provision net revenue (operating); also known as operating leverage PPP – SBA’s Paycheck Protection Program related to COVID-19 ROA – Return on average assets ROTCE – Return on tangible common equity SBA – Small Business Administration SOFR – Secured Overnight Financing Rate S1 – Stronger Near-term Growth S2 – Slower Near-term Growth TCE – Tangible common equity ratio (common shareholders’ equity less intangible assets divided by total assets less intangible assets) *TE – Taxable equivalent (calculated using the current statutory federal tax rate) XHYY – Half Year XQYY – Quarter Year Y-o-Y – Year over year HNCOCK WHITNEY 3

Corporate Profile $34.6 billion in Total Assets $22.6 billion in Total Loans $29.0 billion in Total Deposits CET1 ratio 11.12%(e) Tangible Common Equity (TCE) ratio 6.73% $3.9 billion in Market Capitalization 177 banking locations and 232 ATMs across our footprint Approximately 3,600 (FTE) employees corporate-wide Moody’s long-term issuer rating: Baa3; outlook stable S&P long-term issuer rating: BBB; outlook stable Ranked in top 100 Best Banks in America by Forbes Recognized for top client satisfaction ranking by J.D. Power Earned top customer service marks with Greenwich Excellence Awards Diversity, equity and inclusion (DEI) are fundamental to the spirit of HWC’s purpose, mission and values HWC Nasdaq Listed HNCOCK WHITNEY 4 As of September 30, 2022

Third Quarter 2022 Highlights Net income totaled $135.4 million, or $1.55 per diluted share, up $14.0 million, or $0.17 per share, linked quarter Pre-provision net revenue (PPNR)* totaled $174.7 million, up $27.8 million, or 19%, linked-quarter Total loan growth of $739.5 million, or 14% LQA (See slide 6) Slight increase in criticized commercial loans of $23.4 million, or 8%, linked-quarter; nonperforming loans remained at historically low levels (See slide 8) ACL coverage remained strong at 1.50% (See slide 9) Deposits decreased $915.2 million, or 12% LQA (See slide 11) NIM increased 50 bps to 3.54% (See slide 12) CET1 ratio estimated at 11.12%, up 4 bps; TCE ratio 6.73%, down 48 bps (See slide 16) Efficiency ratio improved to 51.62% ($s in millions; except per share data) 3Q22 2Q22 3Q21 Net Income $135.4 $121.4 $129.6 Provision for credit losses 1.4 (9.8) (27.0) Nonoperating items, net ─ ─ (1.4) Earnings Per Share – diluted $1.55 $1.38 $1.46 Return on Assets (%) (ROA) 1.56 1.38 1.46 Return on Tangible Common Equity (%) (ROTCE) 21.58 19.77 19.22 Net Interest Margin (TE) (%) 3.54 3.04 2.94 Net Charge-offs (recoveries) (%) 0.02 (0.01) 0.03 CET1 Ratio (%) 11.12(e) 11.08 11.17 Tangible Common Equity (%) 6.73 7.21 7.85 Pre-Provision Net Revenue (TE)* $174.7 $146.9 $134.8 Efficiency Ratio (%) 51.62 54.95 57.44 *Non-GAAP measure: see appendix for non-GAAP reconciliation

Loans totaled $22.6 billion, up $739.5 million, or 14% LQA $75.6 million in PPP loan forgiveness Improving line utilization and fewer paydowns contributed to growth in markets and lines of business Tailwinds and headwinds to future core loan growth: Tailwinds: Improvement in utilization rates Headwinds: Amortizing only indirect portfolio Potential economic slowdown Higher than expected level of payoffs Quarterly Loan Growth Exceeded Expectations; Slowdown Expected in 4Q22 Bar Chart

Yield on New Loans Reflects Increases in Rate Environment $ in millions * Excluding PPP loans New Loan Yield - Fixed 3.51% 3.40% 3.73% 3.62% 4.45% 5.28% New Loan Yield - Variable 3.15% 2.94% 2.94% 2.92% 3.25% 4.79%

Criticized Commercial Loans, NPLs Remain Near Historically Low Levels Criticized commercial loans totaled $304 million, or 1.68% of total commercial loans, at September 30, 2022, up $23 million, or 8%, linked-quarter and up $10 million, or 3%, from a year ago Nonperforming loans totaled $42 million, or 0.19% of total loans, at September 30, 2022, relatively flat linked-quarter and down $21 million, or 33%, from a year ago 1.74% 0.30% 1.59% Total Loans $20,886 $21,134 $21,323 $21,846 $22,586 Total Commercial Loans 16,912 17,127 17,303 17,660 18,166 Criticized Commercial Loans 294 287 282 281 304 Total Nonperforming Loans 63 59 45 40 42 1.68% 0.28% 1.63% 0.21% 0.19% 1.68% 0.19% $700 $600 $500 $400 $300 $200 $100 $0 3Q20 4Q20 1Q21 2Q21 3Q21 HNCOCK WHITNEY 12 Includes PPP loans $ in millions

Solid AQ Metrics, Low Net Charge-offs, Strong Reserve Provision for the quarter of $1.4 million, reflects $1.3 million of net charge-offs and a reserve build of $0.1 million Weighting applied to Moody's September 2022 economic scenarios was 25% baseline and 75% slower growth (S2) Given inflation levels and recession concerns, scenario mix and weighting captures greater potential for slower near term economic growth than provided for in the baseline scenario Net Charge-offs Reserve Build Total Provision  ($s in millions) 3Q22 2Q22 3Q22 2Q22 3Q22 2Q22 Commercial ($0.3) ($1.6) ($0.9) ($11.5) ($1.2) ($13.1) Mortgage (0.9) (0.5) 2.4 2.3 1.5 1.8 Consumer 2.5 1.4 (1.4) 0.1 1.1 1.5 Total $1.3 ($0.7) $0.1 ($9.1) $1.4 ($9.8) 9/30/2022 6/30/2022 Portfolio ($ in millions) Amount % of Loan and Leases Outstanding Amount % of Loan and Leases Outstanding Commercial $247 1.36% $250 1.42% Mortgage 31 1.09% 29 1.09% Consumer 28 1.79% 30 1.88% Allowance for Loan and Lease Losses $306 1.36% $309 1.41% Reserve for Unfunded Lending Commitments 34 --- 31 --- Allowance for Credit Losses $340 1.50% $340 1.55%

Securities Portfolio Positioned for Rising Rates Securities portfolio (excluding unrealized losses) totaled $9.2 billion, up $98.3 million AFS/HTM mix 69% AFS, 31% HTM at 9/30/22 70% AFS, 30% HTM at 6/30/22 $935 million of FV hedges on $1.0 billion of bonds, or 17% of AFS securities, reduce OCI volatility and provide flexibility to reposition and/or reprice the hedged assets in a changing rate environment Yield 2.17%, up 17 bps linked-quarter; portfolio yield was 2.21% in September 2022 Purchases during 3Q22 of $285 million at yield of 3.56% included $131 million of liquidity deployment and $154 million in reinvestment of runoff on bond portfolio Terminated $395 million in FV hedges during 3Q22 (will increase the asset yield on the underlying assets) Unrealized net losses on AFS portfolio of $875.5 million and $579.1 million at September 30, 2022 and June 30, 2022, respectively Premium amortization totaled $10.0 million, down $0.4 million linked-quarter Effective duration remains stable at 4.93 years Securities Portfolio Mix 12/31/20 $s in millions CMBS $2,873 41% CMO $513 7% U.S. Agencies and other $219 3% RMBS $2,582 36% Munis $936 13% HNCOCK WHITNEY 15 Bar chart,pie chart

Maintaining Best in Class Mix; Expect Seasonal Year-End Growth Total deposits of $29.0 billion, down $915.2 million, or 12% LQA Decrease in non-interest bearing DDA is primarily due to elevated consumer spending and commercial clients deploying excess liquidity into working capital Decrease in interest bearing money market and savings was mostly related to liquidity spending and current rate offerings Decrease in public fund deposits primarily related to expected seasonal outflows DDAs comprised 49% of total period-end deposits September cost of deposits 24 bps, up 16 bps from June 2022 Total Deposits 12/31/20 $s in millions Time Deposits (retail) $1,835 7% Time Deposits (brokered) $14 ― Interest-bearing public funds $3,235 12% Interest-bearing transaction & savings $10,414 37% Noninterest bearing $12,200 44% $s in billions Avg Qtrly Deposits LQA EOP growth $28.0 $26.0 $24.0 $22.0 $20.0 $18.0 $16.0 1Q20 $24.3 20% 2Q20 $26.7 37% 3Q20 $26.8 -4% 4Q20 $27.0 10% 1Q21 $27.0 10% HNCOCK WHITNEY 15 Bar chart,pie chart Avg Quarterly Deposits Mix

Net interest margin (NIM) 3.54%, up 50 bps linked-quarter; September 2022 NIM 3.62% Net interest income (TE) increased $34.6 million, or 14%, linked-quarter, driven by increasing rates and a change in the mix of earning assets Tailwinds for additional NIM widening: Future rate increases Continued shift in earning asset mix Lag in increasing deposit rates Widening NIM Reflects Fed Rate Increases, Change in EA Mix Cost of Deposits (Quarter) 0.60% 0.50% 0.40% 0.30% 0.20% 0.10% Mar-20 Apr-20 May-20 Jun 20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Mar-21e .59% .41% .33% .29% .25% .21% .20% .19% .17% .17% .13% 3.40% 3.30% 3.20% 3.10% 3.00% 2.90% 2.80% 3Q20 NIM (TE) Impact of Securities Portfolio Purchase/Premium amortization Impact of change in earnings asset mix Lower cost of deposits Net impact of interest reversals and recoveries/loan fees accretion 4Q20 NIM (TE) 0.02% 0.06% 0.05% 0.02% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 4Q19 1Q20 2Q20 3Q20 4Q20 4.69% 3.43% 2.56% 0.76% 4.56% 3.41% 2.53% 0.67% 4.04% 3.23% 2.47% 0.38% 3.95% 3.23% 2.31% 0.30% 3.99% 3.22% 2.23% 0.25% Loan Yield Securities Yield Cost of Fund NIM HNCOCK WHITNEY 18 Line chart

Loans Loans totaled $22.6 billion at September 30, 2022 42% fixed, 58% variable (includes hybrid ARMs) 40% ($5.3 billion) of variable loans are LIBOR-based 30% ($3.9 billion) of variable loans tied to Wall Street Journal Prime 20% ($2.7 billion) of variable loans tied to SOFR 5% ($693 million) of variable loans tied to AMBR Securities 3Q22 purchases of $285 million ($131 million with excess liquidity and $154 million in reinvestment of runoff on bond portfolio) at an average yield of 3.56% Plan to hold investment portfolio balance flat at $9.2 billion and continue terminating fair value hedges Swaps/Hedges (See slide 30 for more information) $2.05 billion of active receive fixed/pay 1 month LIBOR/SOFR swaps designated as Cash Flow Hedges on the balance sheet; extends asset duration $935 million of pay fixed/receive Fed Effective swaps designated as Fair Value Hedges on $1.0 billion of securities; provides OCI protection and flexibility to reposition and/or reprice the hedged assets in a changing rate environment Deposits Deposits totaled $29.0 billion at September 30, 2022 87% of deposits are low-interest (MMDA, savings) or noninterest bearing (DDA) Expect shift in deposit mix as interest rates begin to rise Rate Betas Rate Floors Floor Rate Balance * Balance Cumulative 25-49 bps $670 million $670 million 50-74 bps $804 million $1.5 billion 75-99 bps $546 million $2.0 billion 100-150 bps $1.8 billion $3.8 billion > 150 bps $172 million $4.0 billion IRR Sensitivity Table HWC (Hedges Removed) As of 4Q21 As of 4Q21 Peers * Immediate 100 bps 7.3% 8.4% 7.3% Gradual 100 bps 3.2% 3.6% 4.3% Deposits $ in millions Time Deposits $1,129 4% Interest-bearing public funds $3,295 11% Interest-bearing transaction & savings $11,650 38% Noninterest bearing $14,393 47% Focused on IRR Sensitivity, NIM Stabilization IRR Sensitivity Table     HWC   HWC (Hedges Removed)   As of 3Q22 As of 3Q22 Immediate +100 bps 4.1% 5.6% Immediate -100 bps -4.6% -6.0% Gradual +100 bps 1.7% 2.4% Gradual -100 bps -1.8% -2.5% 1Q22-2Q22 2Q22-3Q22 1Q22-3Q22 Deposit Betas 3% 8% 6% Loan Betas 24% 45% 38%

Fee Income Stable Despite Seasonality, Rates Noninterest income totaled $85.3 million, down $0.4 million, or less than 1% linked-quarter As previously announced, the company expects to begin eliminating certain NSF/OD fees in December 2022 Decline in annuity and investment fees was related to a temporary disruption from the conversion to a new sales and servicing platform Decrease in trust fees was due to seasonal impact of tax preparation fees in 2Q22 Noninterest Income Mix 9/30/22 $s in millions Lower Mortgage, Specialty Income Partly Offset by Higher Service Fees Noninterest income totaled $82.4 million, down $1.3 million, or 2% linked-quarter Service charges and bank card & ATM fees up primarily due to increased activity, although lower than pre-pandemic levels Secondary mortgage fees continue to be impacted by the favorable rate environment, albeit a lower level of refinance activity compared to previous quarters Other income decrease related to lower levels of specialty income (BOLI) in 4Q20 partially offset by higher derivative income Expect 1Q21 fee income to be down related to anticipated lower levels of specialty income and secondary mortgage fees Secondary Mortgage Fees $11.5 14%Other $12.8 16% Noninterest Income Mix 12/31/20 $s in millions Service Charges on Deposit $19.9 24% Investment & Annuity and Insurance $5.8 7% Trust Fees $14.8 18% Bank Card & ATM Fees $17.6 21% 3Q20 NON INTEREST INCOME SERVICE CHARGES ON DEPOSIT accounts bank card & atm fees investment & annuity income and insurance trust fees secondary mortgage fees other 4q20 Non interest income Pie chart

Higher Personnel Costs Continue to Drive Increase in Expenses Noninterest expense totaled $193.5 million, up $6.4 million, or 3% linked-quarter Personnel costs were the primary driver of the linked-quarter increase in expenses, mainly related to increased incentive pay and one additional work day in 3Q22, partially offset by lower payroll taxes Gain on sale of ORE and other foreclosed assets exceeded foreclosed expenses by $1.8 million Increase in other expenses included costs related to ongoing technology investments Noninterest Expense Mix 9/30/22 $s in millions A Focus on Expense Control; More Initiatives Underway Noninterest expense totaled $193.1 million, down $2.7 million, or 1% LQ Decline in personnel expense related to savings from efficiency measures taken to-date, including staff attrition and recent financial center closures Increase in other expenses mainly related to nonrecurring hurricane expense and branch closures Expense reduction initiatives to-date Closed 12 financial centers in 4Q20 8 additional financial centers closures announced in 1Q21 Ongoing branch rationalization reviews Closed Wealth Management trust offices in the NE corridor FTE down 210 compared to June 30, 2020 through staff attrition and other initiatives Early retirement package offered to select employees in 1Q21 Expect 1Q21 expenses to be flat as efficiency initiatives continue and offset typical beginning of the year increases; does not include nonrecurring charges for certain initiatives (i.e. early retirement)

Remain Well Capitalized, TCE Impacted By OCI CET1 ratio estimated at 11.12%, up 4 bps linked-quarter TCE ratio 6.73%, down 48 bps LQ Impact of OCI - 85 bps Dividends -7 bps Stock buyback -1 bp Tangible net earnings +41 bps Stock Compensation and other +3 bps Lower tangible assets +1 bp Repurchased 50,000 shares of Company common stock during 3Q22 at an average price of $48.02 per share Will continue to manage capital in the best interests of the Company and our shareholders; our priorities are: Organic growth Dividends Buybacks M&A Tangible Common Equity Ratio Leverage (Tier 1) Ratio CET1 Ratio and Tier 1 Risked-Based Capital Ratio Total Risk-Based Capital Ratio September 30, 2022 6.73% 9.27%(e) 11.12%(e) 12.69%(e) June 30, 2022 7.21% 8.68% 11.08% 12.70% March 31, 2022 7.15% 8.38% 11.12% 12.82% December 31, 2021 7.71% 8.25% 11.09% 12.84% September 30, 2021 7.85% 8.15% 11.17% 13.06% (e) Estimated for most recent period-end Capital Rebuild Continues After 1H20 De-Risking Activities TCE ratio 7.64%, up 11 bps LQ (7.99% excluding PPP loans) Tangible net earnings +34 bps Change in tangible assets/additional excess liquidity -10 bps Dividends -7 bps Change in OCI & other -6 bps CET1 ratio 10.70%, up 40 bps linked-quarter Intend to pay quarterly dividend in consultation with examiners; board reviews dividend policy quarterly Buybacks on hold Tangible Common Equity Ratio Leverage (Tier 1) Ratio CET1 Ratio and Tier 1 Risked-Based Capital Ratio Total Risk-Based Capital Ratio December 31, 2020 7.64% 7.87%(e) 10.70%(e) 13.31%(e) September 30, 2020 7.53% 7.70% 10.30% 12.92% June 30, 2020 7.33% 7.37% 9.78% 12.36% March 31, 2020 8.00% 8.40% 10.02% 11.87% December 31, 2019 8.45% 8.76% 10.50% 11.90% (e) Estimated for most recent period-end; effective March 31, 2020 regulatory capital ratios reflect the election to use the five-year CECL transition rules

2022 Forward Guidance Q3 2022 Actual FY 2022 Outlook Loans (EOP) $22.6 billion Expect total EOP loan growth of 8-9% from $21.1B at 12/31/21(4Q22 growth $200-$450MM) Deposits (EOP) $29.0 billion Expect EOP deposits to be down 3-4% from $30.5B at 12/31/21(expect growth in 4Q22 from seasonal year-end deposits) Operating Pre-Provision, Net Revenue (PPNR) $174.7 million Expect PPNR to be up 20% from FY21 ($537.6MM); PPP included in 2021 results totaled $64.4MM vs. $9.5MM YTD 2022 Reserve for Credit Losses $339.6 million or 1.50% of total loans Future assumptions in economic forecasts and any change in our own asset quality metrics will drive level of reserves; we currently expect low to modest charge-offs and provision in 4Q22 Noninterest Income $85.3MM Expect noninterest income to be down 3%-4% from FY21 ($353.4MM) (4Q22 down slightly linked-quarter) Noninterest Expense $193.5MM Expect operating expense to be down slightly from FY21 ($760.1MM) (4Q22 up slightly linked-quarter) Effective Tax Rate 20.7% Approximately 21% Efficiency Ratio 51.62% Expect to maintain ratio below 55% for FY22 and to approximate 50% in 4Q22 Current Corporate Strategic Objectives (CSOs) (to be updated in early 2023) Objective 2021 Actual 2021 Actual (excluding nonoperating items, PPP and negative PLLL) 3Q22 Actual ROA 1.35% - 1.45% 1.32% 1.12% 1.56% TCE > 8% 7.71% NA 6.73% ROTCE > 15% 17.74% 14.39% 21.58% Efficiency Ratio ≤ 55% 57.29% 60.62% 51.62%

Additional Guidance Related to Future Rate Increases Expect to reach a Fed Funds (FF) rate of 4.75% by year-end 2022; future rate assumptions included in guidance: +75 bps November +75 bps December Deposit betas key to maximizing impact of higher rates on NIM Continuation of hedging strategy designed to extend duration There are no loan rate floors remaining as the Fed Funds rate has reached 3.50% September 2022: NIM 3.62% Loan Yield 4.69% Cost of Deposits .24% Expect for every 25 basis points move in Fed Funds our NIM will widen 2-3 basis points

Positioned Well For Today’s Economic Environment Balance sheet de-risked in early 2020 Credit metrics near historically low levels Robust ACL at 1.50% of loans Solid capital levels Significant efficiency initiatives executed in 2020/2021 Technology projects focused on scalability and effectiveness Market disruption(s) from M&A lead to opportunities Best in class deposit mix (almost 50% DDA) Current hedge positions provide NII support and extend asset duration Focus on attracting new bankers in growth markets Proven ability to proactively manage expenses

Appendix and Non-GAAP Reconciliations Appendix and Non-GAAP Reconciliations CHANCOCK WHITNEY

Summary Income Statement ($ in millions, except for per share data) *Non-GAAP measure: see slide 25 for non-GAAP reconciliation       Change Change 3Q22 2Q22 3Q21 LQ Prior Year YTD 2022 YTD 2021 Y-O-Y 282.9 248.3 237.5 34.6 45.4 Net Interest Income (TE) 762.2 712.5 49.7 1.4 (9.8) (27.0) 11.2 28.4 Provision for Credit Losses (30.9) (49.1) 18.2                   85.3 85.7 93.4 (0.4) (8.1) Noninterest Income 254.4 274.7 (20.3) 193.5 187.1 194.7 6.4 (1.2) Noninterest Expense 560.5 624.5 (64.0)                   170.7 154.0 160.3 16.7 10.4 Income before Income Tax 479.3 403.2 76.1 35.3 32.6 30.7 2.7 4.6 Income Tax Expense 99.0 77.7 21.3 135.4 121.4 129.6 14.0 5.8 Net Income 380.3 325.5 54.8 174.7 146.9 134.8 27.8 39.9 Operating PPNR (TE)* 456.1 403.5 52.6                   135.4 121.4 129.6 14.0 5.8 Net Income 380.3 325.5 54.8 (2.0) (1.8) (2.4) (0.2) 0.4 Net Income allocated to participating securities (5.8) (6.7) 0.9 133.4 119.6 127.2 13.8 6.2 Net Income available to common shareholders 374.5 318.8 55.7 86.0 86.4 87.0 (0.4) (1.0) Weighted average common shares – diluted (millions) 86.4 87.0 (0.6) 1.55 1.38 1.46 0.17 0.09 EPS 4.33 3.67 0.66                   3.54% 3.04% 2.94% 50 bps 60 bps NIM 3.13% 3.00% 13 bps 1.56% 1.38% 1.46% 18 bps 10 bps ROA 1.44% 1.25% 19 bps 15.77% 14.39% 14.26% 138 bps 151 bps ROE 14.68% 12.39% 229 bps 51.62% 54.95% 57.44% -333 bps -582 bps Efficiency Ratio 54.08% 57.52% -344 bps

Summary Balance Sheet ($ in millions) 3Q22 includes $75.7 million, 2Q22 includes $151.3 million and 3Q21 includes $935.3 million in PPP loans, net 3Q22 includes $108.9 million, 2Q22 includes $231.1 million and 3Q21 includes $1.2 billion in average PPP loans, net; YTD 2022 includes $255.6 million and YTD 2021 includes $1.8 billion in average PPP loans, net Average securities excludes unrealized gain/(loss) Summary Balance Sheet ($ in millions) 4Q20 and YTD 2020 include $2.0 billion and 3Q20 included $2.3 billion in PPP loans, net Average securities excludes unrealized gain /(loss)       Change       4Q20 3Q20 4Q19 LQ PY Line Item YTD 2020 YTD 2019 Y-o-Y           EOP Balance Sheet       $21,789.9 $22,240.2 $21,212.8 ($450.3) $577.1 Loans (1) $21,789.9 $21,212.8 $577.1 7,356.5 7,056.3 6,243.3 300.2 1,113.2 Securities 7,356.5 6,243.3 1,113.2 30,616.3 30,179.1 27,622.2 437.2 2,994.1 Earning Assets 30,616.3 27,622.2 2,994.1 33,638.6 33,193.3 30,600.8 445.3 3,037.8 Total assets 33,638.6 30,600.8 3,037.8                   $27,698.0 $27,030.7 $23,803.6 $667.3 $3,894.4 Deposits $27,698.0 $23,803.6 $3,894.4 1,667.5 1,906.9 2,714.9 (239.4) (1,047.4) Short-term borrowings 1,667.5 2,714.9 (1,047.4) 30,199.6 29,817.7 27,133.1 381.9 3,066.5 Total Liabilities 30,199.6 27,133.1 3,066.5 3,439.0 3,375.6 3,467.7 63.4 (28.7) Stockholders' Equity 3,439.0 3,467.7 (28.7)                             Avg Balance Sheet       $22,065.7 $22,407.8 $21,037.9 ($342.1) $1,027.8 Loans $22,166.5 $20,380.0 $1,786.5 6,921.1 6,389.2 6,201.6 531.9 719.5 Securities (2) 6,398.7 5,864.2 534.5 29,875.5 29,412.3 27,441.5 463.2 2,434.0 Average earning assets 29,235.3 26,476.9 2,758.4 33,067.5 32,685.4 30,343.3 382.1 2,724.2 Total assets 32,391.0 29,125.4 3,265.6                   $27,040.4 $26,763.8 $23,848.4 $276.6 $3,192.0 Deposits $26,212.3 $23,299.3 $2,913.0 1,779.5 1,733.3 2,393.4 46.2 (613.9) Short-term borrowings 1,978.2 1,942.1 36.1 29,660.8 29,333.8 26,869.6 327.0 2,791.2 Total Liabilities 28,957.9 25,822.8 3,135.1 3,406.6 3,351.6 3,473.7 55.0 (67.1) Stockholders' Equity 3,433.1 3,302.7 130.4 3.99% 3.95% 4.69% 4 bps -70 bps Loan Yield 4.13% 4.81% -68 bps 2.23% 2.31% 2.56% -8 bps -33 bps Securities Yield 2.38% 2.62% -24 bps 0.31% 0.39% 1.11% -8 bps -80 bps Cost of IB Deposits 0.57% 1.25% -68 bps 79% 82% 89% -361 bps -1045 bps Loan/Deposit Ratio (Period End) 79% 89% -1045 bps CHANCOCK WHITNEY 26       Change Change 3Q22 2Q22 3Q21 LQ Prior Year YTD 2022 YTD 2021 Y-O-Y           EOP Balance Sheet 22,585.6 21,846.1 20,886.0 739.5 1,699.6 Loans (1) 22,585.6 20,886.0 1,699.6 8,333.2 8,531.4 8,308.6 (198.2) 24.6 Securities 8,333.2 8,308.6 24.6 31,213.4 31,292.9 32,348.0 (79.5) (1,134.6) Earning Assets 31,213.4 32,348.0 (1,134.6) 34,567.2 34,637.5 35,318.3 (70.3) (751.1) Total Assets 34,567.2 35,318.3 (751.1)                   28,951.3 29,866.4 29,208.2 (915.1) (256.9) Deposits 28,951.3 29,208.2 (256.9) 1,543.0 630.0 1,745.2 913.0 (202.2) Short-term borrowings 1,543.0 1,745.2 (202.2) 31,386.8 31,287.8 31,688.5 99.0 (301.7) Total Liabilities 31,386.8 31,688.5 (301.7) 3,180.4 3,349.7 3,629.8 (169.3) (449.4) Stockholders' Equity 3,180.4 3,629.8 (449.4)                             Avg Balance Sheet       22,138.7 21,657.5 20,941.2 481.2 1,197.5 Loans (2) 21,643.1 21,355.5 287.6 9,177.5 8,979.4 8,368.8 198.1 808.7 Securities (3) 8,950.0 8,014.0 936.0 31,783.8 32,780.8 32,097.4 (997.0) (313.6) Average earning assets 32,583.7 31,773.5 810.2 34,377.8 35,380.2 35,208.0 (1,002.4) (830.2) Total Assets 35,248.0 34,821.4 426.6                   29,180.6 29,979.9 29,237.3 (799.3) (56.7) Deposits 29,727.0 28,872.3 854.7 950.6 1,224.2 1,612.3 (273.6) (661.7) Short-term borrowings 1,285.5 1,653.6 (368.1) 30,972.3 31,996.4 31,601.9 (1,024.1) (629.6) Total Liabilities 31,783.3 31,308.8 474.5 3,405.5 3,383.8 3,606.1 21.7 (200.6) Stockholders' Equity 3,464.7 3,512.7 (48.0)                   4.49% 3.86% 3.90% 63 bps 59 bps Loan Yield 4.03% 3.95% 8 bps 2.17% 2.00% 1.91% 17 bps 26 bps Securities Yield 2.05% 1.94% 11 bps 0.36% 0.13% 0.13% 23 bps 23 bps Cost of IB Deposits 0.20% 0.18% 2 bps 78.01% 73.15% 71.51% 487 bps 650 bps Loan/Deposit Ratio (EOP) 78.01% 71.51% 650 bps

Operating Results *Non-GAAP measure: see slide 25 for non-GAAP reconciliation   3Q21 4Q21 1Q22 2Q22 3Q22 Operating PPNR (TE)* ($000) 134,784 134,152 134,501 146,873 174,745 Net Interest Income (TE) ($000) 237,477 231,931 231,008 248,317 282,910 Net Interest Margin (TE) 2.94% 2.80% 2.81% 3.04% 3.54% Operating Noninterest Income* ($000) 88,785 86,012 83,432 85,653 85,337 Operating Expense* ($000) 191,477 183,791 179,939 187,097 193,502 Efficiency Ratio 57.44% 56.57% 56.03% 54.95% 51.62% Results *Non-GAAP measures. See slides 29-31 for non-GAAP reconciliations   4Q19 1Q20 2Q20 3Q20 4Q20 Operating PPNR (TE)* ($000) 125,660 115,688 118,518 126,346 130,607 Net Interest Income (TE)* ($000) 236,736 234,636 241,114 238,372 241,401 Net Interest Margin (TE)* 3.43% 3.41% 3.23% 3.23% 3.22% Noninterest Income ($000) 82,924 84,387 73,943 83,748 82,350 Operating Expense* ($000) 194,000 203,335 196,539 195,774 193,144 Efficiency Ratio* 58.88% 62.06% 60.74% 59.29% 58.23% CHANCOCK WHITNEY 27

Balance Sheet Summary   3Q21 4Q21 1Q22 2Q22 3Q22 Average Loans ($MM) 20,941 20,770 21,122 21,658 22,139 Average Total Securities ($MM) 8,369 8,378 8,688 8,979 9,177 Average Deposits ($MM) 29,237 29,751 30,030 29,980 29,181 Loan Yield (TE) 3.90% 3.83% 3.72% 3.86% 4.49% Cost of Deposits 0.07% 0.06% 0.05% 0.07% 0.18% Tangible Common Equity Ratio 7.85% 7.71% 7.15% 7.21% 6.73% Balance Sheet Summary   4Q19 1Q20 2Q20 3Q20 4Q20 Average Loans ($MM) 21,038 21,234 22,957 22,408 22,066 Average Total Securities ($MM) 6,202 6,149 6,130 6,389 6,921 Average Deposits ($MM) 23,848 24,327 26,703 26,764 27,040 Loan Yield (TE) 4.69% 4.56% 4.04% 3.95% 3.99% Cost of Interest Bearing Deposits 1.11% 1.01% 0.58% 0.39% 0.31% Tangible Common Equity Ratio 8.45% 8.00% 7.33% 7.53% 7.64% CHANCOCK WHITNEY 28

Operating Revenue (TE), Operating PPNR (TE) Reconciliations   Three Months Ended (in thousands) 9/30/2022 6/30/2022 3/31/2022 12/31/2021 9/30/2021 Net interest income $280,307 $245,732 $228,463 $229,296 $234,709 Noninterest income 85,337 85,653 83,432 89,612 93,361 Total revenue $365,644 $331,385 $311,895 $318,908 $328,070 Taxable equivalent adjustment 2,603 2,585 2,545 2,635 2,768 Nonoperating revenue — — — (3,600) (4,576) Operating revenue (TE) $368,247 $333,970 $314,440 $317,943 $326,262 Noninterest expense (193,502) (187,097) (179,939) (182,462) (194,703) Nonoperating expense — — — (1,329) 3,225 Operating expense (193,502) (187,097) (179,939) (183,791) (191,478) Operating pre-provision net revenue (TE) $174,745 $146,873 $134,501 $134,152 $134,784 Total Revenue (TE), Operating PPNR (TE) Reconciliations Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.   Three Months Ended (in thousands) 12/31/2020 9/30/2020 6/30/2020 3/31/2020 12/31/2019 Net interest income $238,286 $235,183 $237,866 $231,188 $233,156 Noninterest income 82,350 83,748 73,943 84,387 82,924 Total revenue $320,636 $318,931 $311,809 $315,575 $316,080 Taxable equivalent adjustment 3,115 3,189 3,248 3,448 3,580 Total revenue (TE) $323,751 $322,120 $315,057 $319,023 $319,660 Noninterest expense (193,144) (195,774) (196,539) (203,335) (197,856) Nonoperating expense — — — — 3,856 Operating pre-provision net revenue $130,607 $126,346 $118,518 $115,688 $125,660 CHANCOCK WHITNEY 31 Taxable equivalent (TE) amounts are calculated using a federal tax rate of 21% Three Months Ended (in thousands) 9/30/2022 6/30/2022 3/31/2022 12/31/2021 9/30/2021 Nonoperating Income     Gain from hurricane-related insurance settlement $ — $ — $ — $3,600 $ — Gain on sale of Hancock Horizon Funds — — — — 4,576 Nonoperating Expense           Efficiency initiatives — — — (649) (1,867) Hurricane related expenses — — — (680) 5,092 Total Nonoperating (income)/expense items, net $ — $ — $ — ($4,929) ($1,351) Nonoperating Items

Paycheck Protection Program (PPP) Loans Under the original and extended Paycheck Protection Programs (PPP), the company originated more than 20,000 loans totaling $3.3 billion; $75.7 million in loans outstanding at September 30, 2022 During 3Q22, $75.6 million in PPP loans were forgiven Expect slowdown in remaining forgiveness Unamortized fees totaled $0.2 million as of September 30, 2022   Quarterly Impact $ in millionsexcept per share data EOP PPP Net Income PPNR Fees Amortized NIM EPS 2Q20 $2,287 $12.8 $16.2 $13.0 0.05% $0.15 3Q20 2,324 15.3 19.3 17.0 0.06% 0.17 4Q20 2,005 14.7 18.6 15.7 0.05% 0.17 1Q21 2,346 14.3 18.2 14.2 0.04% 0.16 2Q21 1,418 15.8 20.0 16.9 0.09% 0.18 3Q21 935 11.9 15.3 14.4 0.11% 0.13 4Q21 531 8.4 10.9 10.3 0.09% 0.09 1Q22 335 3.7 4.8 4.3 0.03% 0.04 2Q22 151 2.6 3.4 1.8 0.01% 0.03 3Q22 76 1.0 1.3 1.0 0.01% 0.01 West 25% Central 39% East 36% HNCOCK WHITNEY 7

Loan Portfolio Composition As of September 30, 2022 HNCOCK WHITNEY 10 Total Loans Outstanding % of Total Loans Commitment ($s in millions) Commercial non-RE $7,603 33.7% $13,241 CRE - owner 2,544 11.3% 2,693 CRE - income producing (ICRE) 3,098 13.7% 3,280 C&D 1,475 6.5% 3,660 Healthcare 2,068 9.2% 2,476 Equipment Finance 1,056 4.7% 1,056 Energy 247 1.1% 366 PPP 76 0.3% 76 Total Commercial 18,167 80.4% 26,848 Mortgage 2,844 12.6% 2,850 Consumer 1,439 6.4% 3,386 Indirect 136 0.6% 136 Grand Total $22,586 100.0% $33,220         For Information Purposes Only (included in categories above)       Retail $1,930 8.5% $2,323 Hospitality $1,095 4.8% $1,265 Office - owner $839 3.7% $877 Office - income producing (ICRE) $847 3.8% $885

Adding New Bankers in Growth Markets 5 new bankers were added across the footprint in 3Q22, including middle market, commercial and healthcare, with more planned for 4Q22 Dallas, TX +1 San Antonio, TX +1 Nashville, TN +2 Tampa, FL +1

Efficiency Ratio Target Achieved Target 55%

Current Hedge Positions Cash Flow (CF) Hedges Receive 215 bps versus paying 1m LIBOR/SOFR on $2.05 billion $500 million of CF hedges terminated in 3Q21 will provide NII support of $10.8 million through 1Q24 No additional CF hedges were terminated in 3Q22 Total Termination Value on remaining active CF Hedges is approximately ($123) million as of 9/30/22 $275 million of existing CF hedges will mature over the next 5 months Fair Value (FV) Hedges $1.0 billion in securities are hedged with $935 million of FV hedges Duration (Market Price Risk) reduced from approximately 7.3 to 3.3 on hedged securities Terminated $395 million in FV hedges in 3Q22 at a gain of $24.8 million (will be recognized as a book value adjustment and will increase the asset yield on the underlying assets by 0.80%) Current Termination Value of FV hedges is approximately $62.6 million at 9/30/2022 FV hedges become fully effective beginning February 2024 through July 2026; at that point we pay fixed 1.64% and receive the fed fund effective rate (resulting in these bonds being a variable rate of FF plus 41 bps) When FV hedges are terminated, the value of each hedge is an adjustment to the book value of the underlying security; thereby changing its current book yield and extending its duration

Third Quarter 2022Earnings Conference Call 10/18/2022 HANCOCK WHITNEY

XML

Document And Entity Information	Oct. 18, 2022
Document Information [Line Items]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Oct. 18, 2022
Entity Registrant Name	HANCOCK WHITNEY CORPORATION
Entity Central Index Key	0000750577
Entity Emerging Growth Company	false
Entity File Number	001-36872
Entity Incorporation, State or Country Code	MS
Entity Tax Identification Number	64-0693170
Entity Address, Address Line One	Hancock Whitney Plaza
Entity Address, Address Line Two	2510 14th Street
Entity Address, City or Town	Gulfport
Entity Address, State or Province	MS
Entity Address, Postal Zip Code	39501
City Area Code	228
Local Phone Number	868-4000
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Common Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	COMMON STOCK, $3.33 PAR VALUE
Trading Symbol	HWC
Security Exchange Name	NASDAQ
Six Point Two Five Percentage Subordinated Notes [Member]
Document Information [Line Items]
Title of 12(b) Security	6.25% SUBORDINATED NOTES
Trading Symbol	HWCPZ
Security Exchange Name	NASDAQ