KeyBank 2014 Annual Report Download - page 12

Forward-looking Statements
From time to time, we have made or will make forward-looking statements within the meaning of the Private
Securities Litigation Reform Act of 1995. These statements do not relate strictly to historical or current facts.
Forward-looking statements usually can be identified by the use of words such as “goal,” “objective,” “plan,”
“expect,” “assume,” “anticipate,” “intend,” “project,” “believe,” “estimate,” or other words of similar meaning.
Forward-looking statements provide our current expectations or forecasts of future events, circumstances, results
or aspirations. Our disclosures in this report contain forward-looking statements. We may also make forward-
looking statements in other documents filed with or furnished to the Securities and Exchange Commission (the
“SEC”). In addition, we may make forward-looking statements orally to analysts, investors, representatives of the
media and others.
Forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, many of which
are outside of our control. Our actual results may differ materially from those set forth in our forward-looking
statements. There is no assurance that any list of risks and uncertainties or risk factors is complete. Factors that
could cause actual results to differ from those described in forward-looking statements include, but are not
limited to:
/deterioration of commercial real estate market fundamentals;
/defaults by our loan counterparties or clients;
/adverse changes in credit quality trends;
/declining asset prices;
/our concentrated credit exposure in commercial, financial, and agricultural loans;
/the extensive and increasing regulation of the U.S. financial services industry;
/changes in accounting policies, standards, and interpretations;
/breaches of security or failures of our technology systems due to technological or other factors and
cybersecurity threats;
/operational or risk management failures by us or critical third-parties;
/negative outcomes from claims or litigation;
/the occurrence of natural or man-made disasters or conflicts or terrorist attacks;
/increasing capital and liquidity standards under applicable regulatory rules;
/unanticipated changes in our liquidity position, including but not limited to, changes in the cost of liquidity,
our ability to enter the financial markets and to secure alternative funding sources;
/our ability to receive dividends from our subsidiary, KeyBank;
/downgrades in our credit ratings or those of KeyBank;
/a reversal of the U.S. economic recovery due to financial, political or other shocks;
/our ability to anticipate interest rate changes and manage interest rate risk;
/deterioration of economic conditions in the geographic regions where we operate;
/the soundness of other financial institutions;
/our ability to attract and retain talented executives and employees and to manage our reputational risks;
/our ability to timely and effectively implement our strategic initiatives;
/increased competitive pressure due to industry consolidation;
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