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related topics |
{debt, indebtedness, cash} |
{stock, price, share} |
{loan, real, estate} |
{regulation, change, law} |
{competitive, industry, competition} |
{system, service, information} |
{condition, economic, financial} |
{operation, international, foreign} |
{product, market, service} |
{provision, law, control} |
{control, financial, internal} |
{stock, price, operating} |
{investment, property, distribution} |
{regulation, government, change} |
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Risks Relating to the Nature and Operation of Our Business
Many of our competitors have greater financial, technical, marketing and other resources
Downturns or disruptions in the securities markets could reduce trade volumes and margin borrowing and increase our dependence on our more active customers who receive lower pricing
We depend on payments from our subsidiaries
We rely heavily on technology, and technology can be subject to interruption and instability
Vulnerability of our customers computers could lead to significant losses related to identity theft or other fraud and harm our reputation and financial performance
Downturns in the securities markets increase the credit risk associated with margin lending or stock loan transactions
We may be unsuccessful in managing the effects of changes in interest rates and the enterprise interest-earning assets in our portfolio
The diversification of our asset portfolio may increase the level of charge-offs
If we do not successfully manage consolidation opportunities, we could be at a competitive disadvantage
Risks associated with principal trading transactions could result in trading losses
Reduced grants by companies of employee stock options could adversely affect our results of operations
Reduced spreads in securities pricing, levels of trading activity and trading through market makers and/or specialists could harm our specialist and market maker business
Advisory services subject us to additional risks
Our international efforts subject us to additional risks and regulation, which could impair our business growth
Risks Relating to the Regulation of Our Business
We are subject to extensive government regulation, including banking and securities rules and regulations, which could restrict our business practices
If we fail to comply with applicable securities and banking laws, rules and regulations, either domestically or internationally, we could be subject to disciplinary actions, damages, penalties or restrictions that could significantly harm our business
If we do not maintain the capital levels required by regulators, we may be fined or even forced out of business
As a non-grandfathered savings and loan holding company, we are subject to regulations that could restrict our ability to take advantage of certain business opportunities
Risks Relating to Owning Our Stock
We have incurred losses in the past and we cannot assure you that we will be profitable
We are substantially restricted by the terms of our senior notes
Our corporate debt levels may limit our ability to obtain additional financing
The market price of our common stock may continue to be volatile
We may need additional funds in the future, which may not be available and which may result in dilution of the value of our common stock
We have various mechanisms in place that may discourage takeover attempts
Full 10-K form ▸
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