Events and Presentations | Investor Relations

Forward-looking statement

From time to time, we make written or oral forward-looking statements within the meaning of certain securities laws, including in presentations, speeches, filings with Canadian securities regulators or the U.S. Securities and Exchange Commission, and other communications.

These statements include, but are not limited to, statements we make about our operations, business lines, financial condition, risk management, priorities, targets, ongoing objectives, strategies, and our outlook for 2013 and subsequent periods.

Forward-looking statements are typically identified by the words "believe," "expect," "anticipate," "intend," "estimate" and other similar expressions, or future or conditional verbs such as "will," "should," "would" and "could." By their nature, these statements require us to make assumptions and are subject to inherent risks and uncertainties that may be general or specific.

A variety of factors, many of which are beyond our control, affect our operations, performance and results, and could cause actual results to differ materially from the expectations expressed in any of our forward-looking statements. These factors include:

Credit, market, liquidity, strategic, operational, reputational and legal, regulatory and environmentalrisk
Legislative or regulatory developments in the jurisdictions where we operate
Amendments to, and interpretations of, risk-based capital guidelines and reporting instructions
The resolution of legal proceedings and related matters
The effect of changes to accounting standards, rules and interpretations
Changes in our estimates of reserves and allowances
Changes in tax laws
Changes to our credit ratings
Political conditions and developments
The possible effect on our business of international conflicts and the war on terror
Natural disasters, public health emergencies, disruptions to public infrastructure and other catastrophic events
Reliance on third parties to provide components of our business infrastructure
The accuracy and completeness of information provided to us by clients and counterparties
The failure of third parties to comply with their obligations to us and our affiliates
Intensifying competition from established competitors and new entrants in the financial services industry
Technological change
Global capital market activity
Changes in monetary and economic policy
Currency value fluctuations
General business and economic conditions worldwide, as well as in Canada, the U.S. and other countries where we have operations
Changes in market rates and prices which may adversely affect the value of financial products
Our success in developing and introducing new products and services, expanding existing distribution channels, developing new distribution channels and realizing increased revenue from these channels
Changes in client spending and saving habits
Our ability to attract and retain key employees and executives
Our ability to successfully execute our strategies and complete and integrate acquisitions and joint ventures; and
Our ability to anticipate and manage the risks associated with these factors

This list is not exhaustive of the factors that may affect any of our forward-looking statements. These and other factors should be considered carefully, and readers should not place undue reliance on our forward-looking statements. We do not undertake to update any forward-looking statement that is contained in any communication, except as required by law.