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| related topics |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {system, service, information} |
| {loan, real, estate} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {cost, regulation, environmental} |
| {regulation, government, change} |
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The interest rate characteristics of our earning assets do not always match the interest rate characteristics of our funding arrangements. This mismatch exposes us to risk in the form of basis risk and repricing risk.
The rating agencies could downgrade our ratings, which could limit our access to financing, increase the cost of financing or trigger obligations under collateralized financing arrangements.
There is no assurance that the ABCP Facility of $26 billion, as described in the LIQUIDITY AND CAPITAL RESOURCES section, which has a scheduled maturity date of April 28, 2009, will be extended on cost effective terms.
Unexpected and sharp changes in the overall economic environment may result in the credit performance of our loan portfolio being materially different from what we expect. In addition, the Company is also subject to the creditworthiness of counterparties to our derivative contracts.
Our businesses are regulated by state and federal laws and regulations and our failure to comply with these laws and regulations may result in significant costs or business sanctions.
A failure of our operational systems or infrastructure, or those of our third-party vendors, could disrupt our business, result in disclosure of confidential customer information, damage our reputation and cause losses.
Incorrect estimates and assumptions by management in connection with the preparation of our consolidated financial statements could adversely affect the reported amounts of assets and liabilities and the reported amounts of income and expenses.
Changes in laws and regulations that affect the FFELP in particular and consumer lending in general could affect the profitability of our business.
We operate in a competitive environment.
Full 10-K form ▸
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