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
Sustainability
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🟢 New in Current Filing
Enhanced Prudential Standards and Regulatory Tailoring Rules
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🟢 New in Current Filing
Capital and Stress Testing Requirements
🔒
🟢 New in Current Filing
Long-Term Debt Requirements
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🟢 New in Current Filing
The preparation of our financial statements requires us to make subjective determinations and use estimates that may vary from actual results and materially impact our financial condition and results of operations.
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🔴 No Match in Current Filing
Environmental, Social and Governance
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🔴 No Match in Current Filing
Capital Planning and Stress Testing Requirements
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🔴 No Match in Current Filing
Changes in the method pursuant to which the LIBOR and other benchmark rates are calculated and their planned discontinuance could adversely impact our business operations and financial results.
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🟡 Modified
We rely on third parties for the performance of a significant portion of our information technology.
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🟡 Modified
Protection of Customer Personal Information and Cybersecurity
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🟡 Modified
The effects of geopolitical instability may adversely affect us and create significant risks and uncertainties for our business, with the ultimate impact dependent on future developments, which are highly uncertain and unpredictable.
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🟡 Modified
Our financial performance may be adversely affected by deterioration in borrower credit quality.
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🔴 No Match in Current Filing
Tailoring of Prudential Requirements
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🔴 No Match in Current Filing
The preparation of our financial statements requires the use of estimates that may vary from actual results. Particularly, various factors may cause our Allowance for Credit Losses to increase.
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🟡 Modified
We are subject to a variety of cybersecurity risks that, if realized, could adversely affect how we conduct our business.
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🟡 Modified
Difficult economic conditions, including inflationary pressures, would likely have an adverse effect on our business, financial position and results of operations.
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🟡 Modified
Bank and Financial Holding Company Regulation
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🟡 Modified
Health, Well-Being, and Flexibility
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🟡 Modified
Changes in interest rates may have an adverse effect on our liquidity and profitability.
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🟡 Modified
Our ability to meet our obligations, and the cost of funds to do so, depend on our ability to access identified sources of liquidity at a reasonable cost.
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🟡 Modified
Employee Engagement
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🟡 Modified
We may not be able to successfully execute our business strategy.
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🟡 Modified
Diversity, Equity and Inclusion
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🟡 Modified
Unpredictable catastrophic events, including pandemics, terrorist attacks, extreme weather events and other large-scale catastrophes, could have an adverse effect on our business, financial position and results of operations.
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🟡 Modified
The financial services industry, including the banking sector, continues to make technological enhancements to meet customer preferences, as well as meet legal and regulatory requirements, and we may not be able to compete effectively as a result of these changes.
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🟡 Modified
Volcker Rule
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🟡 Modified
Resolution Planning
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🟡 Modified
Liquidity Requirements
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🟡 Modified
Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.
🔒
🟡 Modified
Leadership, Talent Development, and Talent Acquisition and Mobility
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🟡 Modified
Deposit Insurance
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🟡 Modified
Transactions with Affiliates and Insiders
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🟡 Modified
Community Reinvestment Act
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🟡 Modified
Our financial and accounting estimates and risk management framework rely on analytical forecasting and models.
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🟡 Modified
Consumer Banking Segment
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🟡 Modified
A reduction in our credit ratings could have a material adverse effect on our business, financial condition and results of operations.
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🟡 Modified
Website Access to Citizens’ Filings with the SEC and Corporate Governance Information
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🟡 Modified
Support of Subsidiary Bank
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🟡 Modified
Business Segments
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🟡 Modified
Our regulators may impose restrictions or limitations on our operations.
🔒
🟡 Modified
Heightened Risk Governance Standards
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