Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 222

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 7
Chunk 222
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 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 Company’s methods or models in assessing business strategies or opportunities or in valuing, measuring, monitoring, or managing positions or risk;

•the Company’s ability to keep pace with changes in technology that affect the Company or its customers, counterparties, or competitors;

•mergers, acquisitions, or dispositions, including the Company’s ability to integrate acquisitions and divest assets;

•the Company’s ability to complete the planned issuance of shares of the Company’s common stock in connection