Regions Bank 2015 Annual Report Download - page 24

Forward-Looking Statements
• The inability of our internal disclosure controls and procedures to prevent, detect or miti-
gate any material errors or fraudulent acts.
• The eects of geopolitical instability, including wars, conicts and terrorist attacks and
the potential impact, directly or indirectly on our businesses.
• The eects of man-made and natural disasters, including res, oods, droughts, tor-
nadoes, hurricanes, and environmental damage, which may negatively aect our
operations and/or our loan portfolios and increase our cost of conducting business.
• Changes in commodity market prices and conditions could adversely aect the cash
ows of our borrowers operating in industries that are impacted by changes in com-
modity prices (including businesses indirectly impacted by commodities prices such
as businesses that transport commodities or manufacture equipment used in the
production of commodities), which could impair their ability to service any loans
outstanding to them and/or reduce demand for loans in those industries.
• Our inability to keep pace with technological changes could result in losing business
to competitors.
• Our ability to identify and address cyber-security risks such as data security breaches,
“denial of service” attacks, “hacking” and identity the, a failure of which could disrupt our
business and result in the disclosure of and/or misuse or misappropriation of condential
or proprietary information; increased costs; losses; or adverse eects to our reputation.
• Signicant disruption of, or loss of public condence in, the Internet and services and
devices used to access the Internet could aect the ability of our customers to access
their accounts and conduct banking transactions.
• Possible downgrades in our credit ratings or outlook could increase the costs of funding
from capital markets.
• The eects of problems encountered by other nancial institutions that adversely aect
us or the banking industry generally could require us to change certain business prac-
tices, reduce our revenue, impose additional costs on us, or otherwise negatively aect
our businesses.
• The eects of the failure of any component of our business infrastructure provided by a
third party could disrupt our businesses; result in the disclosure of and/or misuse of con-
dential information or proprietary information; increase our costs; negatively aect our
reputation; and cause losses.
• Our ability to receive dividends from our subsidiaries could aect our liquidity and ability
to pay dividends to stockholders.
• Changes in accounting policies or procedures as may be required by the Financial
Accounting Standards Board or other regulatory agencies could materially aect how
we report our nancial results.
• Other risks identied from time to time in reports that we le with the SEC.
• The eects of any damage to our reputation resulting from developments related to any
of the items identied above.
You should not place undue reliance on any forward-looking statements, which speak
only as of the date made. Factors or events that could cause our actual results to dier
may emerge from time to time, and it is not possible to predict all of them. We assume no
obligation to update or revise any forward-looking statements that are made from time to
time, either as a result of future developments, new information or otherwise, except as
may be required by law.
Regions 2015 Annual Review24 Perspective Regions