Regions Bank 2012 Annual Report Download - page 17

PART I
FORWARD-LOOKING STATEMENTS
This Annual Report on Form 10-K, other periodic reports filed by Regions Financial Corporation
(“Regions”) under the Securities Exchange Act of 1934, as amended, and any other written or oral statements
made by or on behalf of Regions may include forward-looking statements. The Private Securities Litigation
Reform Act of 1995 (the “Act”) provides a safe harbor for forward-looking statements which are identified as
such and are accompanied by the identification of important factors that could cause actual results to differ
materially from the forward-looking statements. For these statements, we, together with our subsidiaries, unless
the context implies otherwise, claim the protection afforded by the safe harbor in the Act. Forward-looking
statements are not based on historical information, but rather are related to future operations, strategies, financial
results or other developments. Forward-looking statements are based on management’s expectations as well as
certain assumptions and estimates made by, and information available to, management at the time the statements
are made. Those statements are based on general assumptions and are subject to various risks, uncertainties and
other factors that may cause actual results to differ materially from the views, beliefs and projections expressed
in such statements. These risks, uncertainties and other factors include, but are not limited to, those described
below:
• The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) became
law in July 2010, and a number of legislative, regulatory and tax proposals remain pending.
Additionally, the U.S. Treasury and federal banking regulators continue to implement, but are also
beginning to wind down, a number of programs to address capital and liquidity in the banking system.
Future and proposed rules, including those that are part of the Basel III process are expected to require
banking institutions to increase levels of capital and to meet more stringent liquidity requirements. All
of the foregoing may have significant effects on Regions and the financial services industry, the exact
nature and extent of which cannot be determined at this time.
• Possible additional loan losses, impairment of goodwill and other intangibles, and adjustment of
valuation allowances on deferred tax assets and the impact on earnings and capital.
• Possible changes in interest rates may increase funding costs and reduce earning asset yields, thus
reducing margins. Increases in benchmark interest rates could also increase debt service requirements
for customers whose terms include a variable interest rate, which may negatively impact the ability of
borrowers to pay as contractually obligated.
• Possible changes in general economic and business conditions in the United States in general and in the
communities Regions serves in particular, including any prolonging or worsening of the current
challenging economic conditions, including unemployment levels.
• Possible changes in the creditworthiness of customers and the possible impairment of the collectability
of loans.
• Possible changes in trade, monetary and fiscal policies, laws and regulations, and other activities of
governments, agencies, and similar organizations, may have an adverse effect on business.
• Possible regulations issued by the Consumer Financial Protection Bureau or other regulators which
might adversely impact Regions’ business model or products and services.
• Possible stresses in the financial and real estate markets, including possible deterioration in property
values.
• Regions’ ability to manage fluctuations in the value of assets and liabilities and off-balance sheet
exposure so as to maintain sufficient capital and liquidity to support Regions’ business.
• Regions’ ability to expand into new markets and to maintain profit margins in the face of competitive
pressures.
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