Risk Factors Update Summary
- Increased credit risk due to concentration in loans to individual borrowers, locations, or industries.
- Liquidity risks due to potential higher funding costs and increased regulatory oversight affecting capital and liquidity.
- Operational risks from cybersecurity threats, including increased costs and risks from cyber-attacks.
- Regulatory compliance risks from investigations, potential liabilities, and regulatory actions impacting operations and financial results.
- Market risks from interest rate changes impacting income and cash flows, with potential effects on profitability.
- Strategic risks from competition, real-time payment networks, and challenges in acquisitions and investments.
- Reputation risks from conduct, ESG practices, and potential regulatory actions affecting business and stock price.
Full Text Changes in Most Recent 10-K
Intended use: review the highlighted statements. These are additions to the risk factors disclosure in the most recent 10-K filing compared to the previous 10-K filing. Deleted and moved text is less important and is shown for context.
To view the full company filings, click on the following link to be taken to the SEC EDGAR database landing page for the company: https://www.sec.gov/edgar/browse/?CIK=35527&owner=exclude
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