Regions Bank 2010 Annual Report Download - page 16

• Regions’ ability to develop competitive new products and services in a timely manner and the
acceptance of such products and services by Regions’ customers and potential customers.
• Regions’ ability to keep pace with technological changes.
• Regions’ ability to effectively manage credit risk, interest rate risk, market risk, operational risk, legal
risk, liquidity risk, and regulatory and compliance risk.
• Regions’ ability to ensure adequate capitalization which is impacted by inherent uncertainties in
forecasting credit losses.
• The cost and other effects of material contingencies, including litigation contingencies, and any
adverse judicial, administrative, or arbitral rulings or proceedings.
• The effects of increased competition from both banks and non-banks.
• The effects of geopolitical instability and risks such as terrorist attacks.
• Possible changes in consumer and business spending and saving habits could affect Regions’ ability to
increase assets and to attract deposits.
• The effects of weather and natural disasters such as floods, droughts and hurricanes, and the effects of
man-made disasters such as the Gulf of Mexico oil spill.
• Possible downgrades in ratings issued by rating agencies.
• Potential dilution of holders of shares of Regions’ common stock resulting from the U.S. Treasury’s
investment in TARP.
• Possible changes in the speed of loan prepayments by Regions’ customers and loan origination or sales
volumes.
• Possible acceleration of prepayments on mortgage-backed securities due to low interest rates, and the
related acceleration of premium amortization on those securities.
• The effects of problems encountered by larger or similar financial institutions that adversely affect
Regions or the banking industry generally.
• Regions’ ability to receive dividends from its subsidiaries.
• The effects of the failure of any component of Regions’ business infrastructure which is provided by a
third party.
• Changes in accounting policies or procedures as may be required by the Financial Accounting
Standards Board or other regulatory agencies.
• The effects of any damage to Regions’ reputation resulting from developments related to any of the
items identified above.
The words “believe,” “expect,” “anticipate,” “project” and similar expressions often signify forward-looking
statements. You should not place undue reliance on any forward-looking statements, which speak only as of the
date made. We assume no obligation to update or revise any forward-looking statements that are made from time
to time.
See also Item 1A. “Risk Factors” of this Annual Report on Form 10-K.
Item 1. Business
Regions Financial Corporation (together with its subsidiaries on a consolidated basis, “Regions” or
“Company”) is a financial holding company headquartered in Birmingham, Alabama, which operates throughout
the South, Midwest and Texas. Regions provides traditional commercial, retail and mortgage banking services, as
well as other financial services in the fields of investment banking, asset management, trust, mutual funds,
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