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.
🔴 No Match in Current Filing
We are subject to the risk of defaults by our loan clients and counterparties.
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🔴 No Match in Current Filing
Declining asset prices could adversely affect us.
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🔴 No Match in Current Filing
Geopolitical destabilization could adversely impact our loan portfolios.
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🔴 No Match in Current Filing
We are subject to interest rate risk, which could adversely affect net interest income.
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🔴 No Match in Current Filing
Our profitability depends upon economic conditions in the geographic regions where we have significant operations and in certain market segments in which we conduct significant business.
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🔴 No Match in Current Filing
The soundness of other financial institutions could adversely affect us.
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🔴 No Match in Current Filing
We are subject to liquidity risk, which could negatively affect our funding levels.
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🔴 No Match in Current Filing
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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🔴 No Match in Current Filing
We rely on dividends by our subsidiaries for most of our funds.
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🔴 No Match in Current Filing
We are subject to a variety of operational risks.
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🔴 No Match in Current Filing
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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🔴 No Match in Current Filing
Our framework for managing risks and mitigating losses may not be effective.
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🔴 No Match in Current Filing
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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🔴 No Match in Current Filing
Our operations and financial performance could be adversely affected by severe weather and natural disasters exacerbated by climate change.
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🔴 No Match in Current Filing
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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🔴 No Match in Current Filing
The increased use of remote work infrastructure has expanded potential attack vectors and resulted in increased operational risks.
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🔴 No Match in Current Filing
We are subject to complex and evolving laws and regulations regarding privacy and cybersecurity, which could limit our ability to pursue business initiatives, increase the cost of doing business and subject us to compliance risks and potential liability.
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🔴 No Match in Current Filing
We may not realize the expected benefits of our strategic initiatives.
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🔴 No Match in Current Filing
We operate in a highly competitive industry.
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🔴 No Match in Current Filing
Maintaining or increasing our market share depends upon our ability to adapt our products and services to evolving industry standards and consumer preferences, while maintaining competitive products and services.
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🔴 No Match in Current Filing
We may not be able to attract and retain skilled people.
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🔴 No Match in Current Filing
Acquisitions or strategic partnerships may disrupt our business and dilute shareholder value.
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🔴 No Match 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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🔴 No Match in Current Filing
Changes in accounting policies, standards, and interpretations could materially affect how we report our financial condition and results of operations.
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🔴 No Match in Current Filing
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
•Strategic Risk
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🟡 Modified
Various factors may cause our allowance for loan and lease losses to increase or to be inadequate.
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🟡 Modified
•Liquidity Risk
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🟡 Modified
•Estimates and Assumptions Risk
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🟡 Modified
IV. Operational RiskWe are subject to a variety of operational risks.
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🟡 Modified
•Operational Risk
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🟡 Modified
V. Compliance RiskWe are subject to extensive government regulation, supervision, and tax legislation.
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🟡 Modified
•Compliance Risk
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🟡 Modified
IX. Estimates and Assumptions RiskThe 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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🟡 Modified
Our credit ratings affect our liquidity position.
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🟡 Modified
III. Liquidity RiskWe are subject to liquidity risk, which could negatively affect our funding levels.
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🟡 Modified
Differing views on corporate responsibility and sustainability could adversely affect our reputation and our business and results of operations.
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🟡 Modified
II. Market RiskA 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
VI. Strategic RiskWe may not realize the expected benefits of our strategic initiatives.
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🟡 Modified
Our controls and procedures may fail or be circumvented, and our methods of reducing risk exposure may not be effective.
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🟡 Modified
Should the fundamentals of the commercial real estate market deteriorate, our financial condition and results of operations could be adversely affected.
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