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| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {regulation, change, law} |
| {capital, credit, financial} |
| {competitive, industry, competition} |
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Our business requires substantial capital, and if we are unable to maintain adequate financing sources, our profitability and financial condition will suffer and jeopardize our ability to continue operations.
Recent negative developments in the secondary mortgage markets have led credit rating agencies to make requirements for rating mortgage securities more stringent, and market participants are still evaluating the impact.
We have substantial credit exposure to General Motors Corporation.
Our earnings may decrease because of increases or decreases in interest rates.
We use estimates and assumptions in determining the fair value of certain of our assets, in determining our allowance for credit losses, in determining lease residual values, and in determining our reserves for insurance losses and loss adjustment expenses. If our estimates or assumptions prove to be incorrect, our cash flow, profitability, financial condition, and business prospects could be materially adversely affected.
Our profitability and financial condition may be materially adversely affected by decreases in the residual value of off-lease vehicles.
We may be required to repurchase contracts and provide indemnification if we breach representations and warranties from our securitization and whole-loan transactions, which could harm our profitability and financial condition.
Changes in accounting standards issued by the Financial Accounting Standards Board or other standard-setting bodies may adversely affect our reported revenues, profitability, and financial condition.
Full 10-K form ▸
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