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| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {regulation, change, law} |
| {system, service, information} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
|
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General economic conditions, such as the current economic downturn or recession, could materially impair customers ability to repay loans, harm operating results and reduce the volume of new loans.
General economic conditions, such as a stock market decline, could materially impair the number of investors in the equity and bond markets, the level of assets under management and the demand for other fee-based services.
The Company is subject to extensive regulation in the jurisdictions in which it conducts business.
Changes in interest rates could affect results of operations.
Reliance on systems, employees and certain counterparties, and certain failures could adversely affect operations.
If the Company does not successfully handle issues that may arise in the conduct of its business and operations, the Company s reputation could be damaged, which could in turn negatively affect its business.
The Company faces strong competition from other financial services firms, which could lead to pricing pressures that could materially adversely affect revenue and profitability.
The shift from paper-based to electronic-based payments may be difficult and negatively affect earnings.
The Company s framework for managing risks may not be effective in mitigating risk and loss to the Company.
Liquidity is essential to the Company s businesses and it relies on the securities market and other external sources to finance a significant portion of its operations.
Inability to hire or retain qualified employees could adversely affect the Company s performance.
Changes in accounting standards could impact reported earnings.
Future events may be different than those anticipated by management assumptions and estimates, which may cause unexpected losses in the future.
Full 10-K form ▸
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