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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 economic downturns or recessions, could materially impair our customers ability to repay loans, harm our operating results and reduce our 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 our other fee-based services.
Changes in interest rates could affect our results of operations.
We rely on our systems, employees and certain counterparties, and certain failures could adversely affect our operations.
If we do not successfully handle issues that may arise in the conduct of our business and operations our reputation could be damaged, which could in turn negatively affect our business.
We face strong competition from other financial services firms, which could lead to pricing pressures that could materially adversely affect our revenue and profitability.
The shift from paper-based to electronic-based payment business may be difficult and negatively affect earnings.
We are subject to extensive regulation in the jurisdictions in which we conduct our businesses.
Our framework for managing our risks may not be effective in mitigating risk and loss to the Company.
Liquidity is essential to our businesses and we rely on the securities market and other external sources to finance a significant portion of our operations.
Inability to hire or retain qualified employees could adversely affect our performance.
Changes in accounting standards could impact reported earnings.
Future events may be different than those anticipated by our management assumptions and estimates, which may cause unexpected losses in the future.
Full 10-K form ▸
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