The summary below was generated by an AI language model and may contain errors or omissions. All other content on this page is deterministically extracted from the original SEC EDGAR filing.
Ameriprise Financial added 11 new risk disclosures in 2024 while removing only the LIBOR-related risk that has become less material following the transition away from LIBOR benchmarks. The company substantively modified 10 existing risks, particularly those addressing natural disasters/catastrophes, talent competition, regulatory changes, and legal actions, reflecting evolving business pressures. The net addition of 10 risks (11 added minus 1 removed) alongside the significant modifications indicates Ameriprise is expanding disclosure of operational vulnerabilities, particularly around insurance underwriting assumptions, counterparty credit exposure, and macroeconomic sensitivity.
Classification is based on semantic text similarity scoring and may include approximations. “No match” means no high-confidence textual match was found — not necessarily that a section was removed.
🟢 New in Current Filing
Our results of operations and financial condition may be adversely affected by market fluctuations and by economic, political and other factors.
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🟢 New in Current Filing
Changes in interest rates may affect our results of operations and financial condition.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🟢 New in Current Filing
The negative performance or default by other financial institutions or other third parties could adversely affect us.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🟢 New in Current Filing
Our insurance profitability relies on our assumptions including those regarding morbidity rates, mortality rates and benefit utilization as well as the future persistency of our insurance policies and annuity contracts.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🟢 New in Current Filing
Ameriprise Financial, Inc.
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🔴 No Match in Current Filing
The elimination of LIBOR may adversely affect the interest rates on, and value of, certain derivatives and floating rate securities we hold, the activities we conduct, and any other assets or liabilities, the value of which is tied to LIBOR.
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🟡 Modified
The occurrence of natural or man-made disasters and catastrophes could adversely affect our results of operations and financial condition.
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🟡 Modified
We face intense competition in attracting and retaining key talent.
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🟡 Modified
Our businesses are heavily regulated, and changes to the laws and regulations applicable to our businesses may have an adverse effect on our operations, reputation and financial condition.
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🟡 Modified
Legal and regulatory actions are inherent in our businesses and could result in financial losses or harm our businesses.
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🟡 Modified
Risk management policies and procedures may not be fully effective in identifying or mitigating risk exposure in all market environments, products, vendors, or against all types of risk, including employee and financial advisor misconduct.
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🟡 Modified
Ameriprise Financial, Inc.
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🟡 Modified
Our operational systems and networks (as well as those of our franchise advisors and third parties) are subject to evolving cybersecurity or other technological risks, which could result in the disclosure of confidential information, loss of our proprietary information, damage to our reputation, additional costs to us, regulatory penalties and other adverse impacts.
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🟡 Modified
Ameriprise Financial, Inc.
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🟡 Modified
Ameriprise Financial, Inc.
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🟡 Modified
The direct and indirect effects of climate change could adversely affect our business and operations, both directly and as a result of impacts on our clients, counterparties and entities whose securities we hold.
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