Regions Bank 2011 Annual Report Download - page 26

• Regions’ ability to expand into new markets and to maintain profit margins in the face of competitive
pressures.
• 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, wind, tornadoes and hurricanes,
and the effects of man-made disasters.
• 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.
• With regard to the sale of Morgan Keegan:
• the possibility that regulatory and other approvals and conditions to the transaction are not
received on a timely basis or at all; the possibility that modifications to the terms of the
transaction may be required in order to obtain or satisfy such approvals or conditions; changes in
the anticipated timing for closing the transaction; business disruption during the pendency of or
following the transaction; diversion of management time on transaction-related issues;
reputational risks; and the reaction of customers and counterparties to the transaction.
• 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.
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