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U.S. BANCORPDeutsche Bank Global Financial Services Conference May 28, 2019Shailesh Kotwal Vice Chairman, Payment Services
U.S. BANCORPDeutsche Bank
Global Financial Services Conference
May 28, 2019Shailesh Kotwal
Vice Chairman, Payment Services2 U.S. BANCORP |
Thefollowing information appears inaccordance withthePrivate Securities Litigation Reform Actof1995:
Today’s presentation contains forward- looking statements about U.S.Bancorp .Statements that arenothistorical orcurrent facts, including
statements about beliefs andexpectations, areforward- looking statements andarebased ontheinformation available to,andassumptions and
estimates made by,management asofthedate hereof .These forward- looking statements cover, among other things, anticipated future revenue
andexpenses andthefuture plans andprospects ofU.S.Bancorp. Forward- looking statements involve inherent risks anduncertainties, and
important factors could cause actual results todiffer materially from those anticipated. Deterioration ingeneral business andeconomic conditions
orturbulence indomestic orglobal financial markets could adversely affect U.S.Bancorp’s revenues andthevalues ofitsassets andliabilities,
reduce theavailability offunding tocertain financial institutions, lead toatightening ofcredit, andincrease stock price volatility .Stress inthe
commercial realestate markets, aswellasadownturn intheresidential realestate markets, could cause credit losses anddeterioration inasset
values .Inaddition, changes tostatutes, regulations, orregulatory policies orpractices could affect U.S.Bancorp insubstantial andunpredictable
ways .U.S.Bancorp’s results could also beadversely affected bychanges ininterest rates ;deterioration inthecredit quality ofitsloan portfolios
orinthevalue ofthecollateral securing those loans ;deterioration inthevalue ofitsinvestment securities ;legal andregulatory developments ;
litigation ;increased competition from both banks andnon-banks ;changes inthelevel oftariffs andother trade policies oftheUnited States andits
global trading partners ;changes incustomer behavior andpreferences ;breaches indata security ;failures tosafeguard personal information;
effects ofmergers andacquisitions andrelated integration; effects ofcritical accounting policies andjudgments ;andmanagement’s ability to
effectively manage credit risk, market risk, operational risk, compliance risk, strategic risk, interest raterisk, liquidity riskandreputational risk.
Fordiscussion ofthese and other risks thatmay cause actual results todiffer from expectations, refer toU.S.Bancorp’s Annual Report on
Form 10-Kfortheyear ended December 31,2018, onfilewith theSecurities andExchange Commission, including thesections entitled “Risk
Factors” and“Corporate Risk Profile” contained inExhibit 13,andallsubsequent filings with theSecurities andExchange Commission under
Sections 13(a), 13(c), 14or15(d) oftheSecurities Exchange Actof1934. Inaddition ,factors other than these risks also could adversely affect
U.S.Bancorp’s results, andthereader should notconsider these risks tobeacomplete setofallpotential risks oruncertainties .Forward -looking
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