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| related topics |
| {condition, economic, financial} |
| {financial, litigation, operation} |
| {regulation, change, law} |
| {product, market, service} |
| {system, service, information} |
| {property, intellectual, protect} |
| {tax, income, asset} |
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Changes in our product offerings, including changes in product features or services, could negatively affect our ability to originate and retain customer relationships and may reduce our profitability.
Legislative, regulatory and other legal developments may affect our business operations and ability to generate new accounts.
Actions by bank regulatory authorities could affect the manner in which we conduct our business and our financial condition.
Legal proceedings against us may result in adverse outcomes.
If we do not maintain the security of personal information, we could become subject to litigation, damage our reputation and negatively affect our business and business prospects.
Changes in accounting may affect our reported earnings and results of operations.
If third parties claim we infringe their intellectual property rights it could negatively impact our business and financial position.
Changes in tax laws and outcomes of tax audits may affect our tax liabilities, tax assets and financial condition.
Changes in interest rates and credit spreads may reduce our profitability.
Social, economic, environmental and geographic factors can affect levels of customer spending, credit card payments and other customer behaviors, as well as our ability to predict customer behaviors, in ways that could negatively impact our asset quality and profitability.
Market conditions and other factors beyond our control could negatively impact the availability and cost of funding for our operations.
If we are unable to develop, introduce or offer new or competitive products and services, our ability to generate new accounts and compete effectively could be adversely affected.
Our strategic, contractual and other relationships with third parties expose us to risks that may disrupt our business operations and adversely affect our results of operations and financial condition.
Full 10-K form ▸
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