Risk Factors Update Summary
- ACL increased from $2 billion to $4 billion at December 31, 2023.
- An increase in delinquencies could result in negative impacts on loans or obligations.
- Market Risks: Changes in government debt default scenarios could include volatile capital markets.
- Federal Reserve increasing monetary policies may impact interest rates and net interest margins.
- Failure to access capital markets may restrict growth and negatively impact financial condition.
- Global conflicts and trade negotiations could adversely impact economic and market conditions.
- Cybersecurity risks could lead to loss of customers, business opportunities, and privacy violations.
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=49196&owner=exclude
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