Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 72

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 72
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 those set forth in any forward-looking statement. While no list of assumptions, risks, or uncertainties could be complete, some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements include:

•local, regional, national, or international business, economic, or political conditions or events;

•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;

•the Company’s ability to develop, maintain, or market products or services or to absorb unanticipated costs or liabilities associated with those products or services;

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•the Company’s ability to innovate to anticipate the needs of current or future customers, to successfully compete in its chosen business lines, to increase or hold market share in changing competitive environments, or to deal with pricing or other competitive pressures;

•changes in the credit, liquidity, or other condition of the Company’s customers, counterparties, or competitors;

•the Company’s ability to effectively deal with economic, business, or market slowdowns or disruptions;

•judicial, regulatory, or administrative investigations, proceedings, disputes, or rulings that create uncertainty for, or are adverse to, the Company or the financial-services industry;

•the Company’s ability to address changing or stricter regulatory or other governmental supervision or requirements;

•the Company’s ability to maintain secure and functional financial, accounting, technology, data processing, or other operating systems or facilities, including its capacity to withstand cyber-attacks;

•the adequacy of the Company’s corporate governance, risk-management framework, compliance programs, or internal controls, including its ability to control lapses or deficiencies in financial reporting or to effectively mitigate or manage operational risk;

•the efficacy of the