1378020--3/31/2008--Beneficial_Mutual_Bancorp

related topics

{loan, real, estate}

{provision, law, control}

{stock, price, share}

{condition, economic, financial}

{competitive, industry, competition}

{regulation, government, change}

{cost, contract, operation}

Our business is subject to interest rate risk and variations in interest rates may negatively affect our financial performance. Our increased emphasis on commercial real estate loans and commercial business loans may expose us to increased lending risks. A substantial portion of our loan portfolio consists of consumer loans secured by rapidly depreciable assets. A downturn in the local economy or a decline in real estate values could hurt our profits. Strong competition within our market area could hurt our profits and slow growth. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. Expenses from operating as a public company and from new stock-based benefit plans will continue to adversely affect our profitability. The issuance of shares for benefit programs may dilute your ownership interest. Our low return on equity may negatively affect our stock price. Beneficial Savings Bank MHC s majority control of our common stock enables it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction they may find advantageous. OTS regulations and anti-takeover provisions in our charter restrict the accumulation of our common stock, which may adversely affect our stock price.

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1378020--3/31/2008--Beneficial_Mutual_Bancorp_Inc