101382--3/15/2006--UMB_FINANCIAL

related topics

{condition, economic, financial}

{regulation, change, law}

{capital, credit, financial}

{personnel, key, retain}

{competitive, industry, competition}

{operation, international, foreign}

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. Changes in interest rates could affect our results of operations. We are exposed to operational risk. 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. 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.

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101382--3/15/2006--UMB_FINANCIAL_CORP