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.
🟡 Modified
We rely on third parties to perform significant operational services for us, and their failure to perform to our standards or other issues of concern with them could harm us.
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🟢 New in Current Filing
Our framework for managing risks and mitigating losses may not be effective.
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🟢 New in Current Filing
Scotiabank holds a significant equity interest in our business and may exercise influence over us, including through its ability to designate up to two directors to our Board of Directors.
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🟢 New in Current Filing
The preparation of our consolidated 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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🟢 New in Current Filing
•Model Risk
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🟡 Modified
A worsening of the U.S. economy and volatile or recessionary conditions in the U.S. or abroad could negatively affect our business or our access to capital markets.
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🟡 Modified
We are subject to extensive government regulation, supervision, and tax legislation.
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🟡 Modified
Declining asset prices could adversely affect us.
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🟡 Modified
Societal and governmental responses to climate change could adversely affect our business and performance, including indirectly through impacts on our customers.
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🟡 Modified
•Compliance Risk
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🟡 Modified
Federal agencies’ actions to ensure stability of the U.S. economy and financial system may have costly or disruptive effects on us.
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🟡 Modified
Key is subject to corporate responsibility and sustainability efforts risks that could adversely affect our reputation and our business and results of operations.
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🟡 Modified
We are subject to interest rate risk, which could adversely affect net interest income.
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🟡 Modified
•Operational Risk
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🟡 Modified
Capital and liquidity requirements imposed by banking regulations require banks and BHCs to maintain more and higher quality capital and more and higher quality liquid assets.
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🟡 Modified
Our credit ratings affect our liquidity position.
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🟡 Modified
•Market Risk
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🟡 Modified
We are subject to liquidity risk, which could negatively affect our funding levels.
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🟡 Modified
•Reputation Risk
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🟡 Modified
•Estimates and Assumptions Risk
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🟡 Modified
Impairment of goodwill could require charges to earnings, which could result in a negative impact on our results of operations.
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🟡 Modified
We operate in a highly competitive industry.
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🟡 Modified
We are, and may in the future be, subject to claims, litigation, arbitration, investigations, and governmental proceedings, which could result in significant financial liability and/or reputational harm.
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🟡 Modified
•Strategic Risk
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🟡 Modified
The soundness of other financial institutions could adversely affect us.
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