821127--2/28/2007--BOSTON_PRIVATE_FINANCIAL_HOLDINGS_INC

related topics
{loan, real, estate}
{acquisition, growth, future}
{condition, economic, financial}
{personnel, key, retain}
{regulation, government, change}
{tax, income, asset}
{regulation, change, law}
{competitive, industry, competition}
Our business strategy contemplates significant growth and there are challenges and risks inherent in such a growth strategy. In connection with our recent acquisitions and to the extent that we acquire other companies in the future, our business may be negatively impacted by certain risks inherent in such acquisitions. Attractive acquisition opportunities may not be available to us in the future. Competition in the local banking industry may impair our ability to attract and retain banking customers at current levels. We may not be able to attract and retain investment management and wealth advisory clients at current levels. Our investment management business is highly dependent on people to produce investment returns and to solicit and retain clients. If we are required to write down goodwill and other intangible assets, our financial condition and results of operations would be negatively affected. Defaults in the repayment of loans may negatively impact our business. A downturn in local economies or real estate markets could negatively impact our banking business. Environmental liability associated with commercial lending could result in losses. Fluctuations in interest rates may negatively impact our banking business. Prepayments of loans may negatively impact our business. Our cost of funds for banking operations may increase as a result of general economic conditions, interest rates and competitive pressures. Our investment management business may be negatively impacted by changes in economic and market conditions. Our investment management and wealth advisory businesses are highly regulated, which could limit or restrict our activities and impose fines or suspensions on the conduct of our business. Our banking business is highly regulated which could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business.

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