Company: UMBFO
Filing Date: 2025-07-31
Form Type: 10-Q
Source: 0000950170-25-100572
Chunk: 7

Company: UMB FINANCIAL CORP
Filing Date: 2025-07-31
Form: 10-Q
Item: Part I, Item 2
Chunk 7
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;

•changes in laws or the regulatory environment, including as a result of financial-services legislation or regulation;

•changes in monetary, fiscal, or trade laws or policies, including as a result of actions by central banks or supranational authorities;

•the pace and magnitude of interest rate movements;

•changes in accounting standards or policies;

•shifts in investor sentiment or behavior in the securities, capital, or other financial markets, including changes in market liquidity or volatility or changes in interest or currency rates;

•changes in spending, borrowing, or saving by businesses or households;

•the Company’s ability to effectively manage capital or liquidity or to effectively attract or deploy deposits;

•changes in any credit rating assigned to the Company or its affiliates;

•adverse publicity or other reputational harm to the Company;

•changes in the Company’s corporate strategies, the composition of its assets, or the way in which it funds those assets;