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WASH on Nasdaq

WASHINGTON TRUST BANCORP INC

WASHINGTON TRUST BANCORP INC is an American state commercial bank based in Westerly, listed on Nasdaq (WASH).2

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Last updated Oct 21, 2026.

Overview

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  • TickerWASH on Nasdaq2
  • IndustryState Commercial Banks2
  • HeadquartersWesterly, United States2
  • Incorporated inRI3
  • Business address23 Broad St, Westerly, Ri 028913
  • Filer categoryAccelerated filer3
  • Legal formBusiness Corporation2
  • LEIJ66MZFCNJPP3PERHZW542
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O CORPORATION SERVICE COMPANY, 02888 Warwick, United States2
  • Registered withDivision Of Business Services (Rhode Island Office of the Secretary of State), 0000163232

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The following is a list of acronyms and terms that are used throughout this Annual Report on Form 10-K:4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

90.5%Net margin5
19.7%Revenue growth, 20255
9.6%Return on equity5
$78.3MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax23¢$15.2M
  • Profit77¢$52.2M

Out of $57.7M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending2¢$2.0M
  • Dividends paid54¢$43.3M
  • Share buybacks9¢$7.4M
  • Kept or used elsewhere34¢$27.6M

Out of $80.3M of cash from operations.5

Financial statements

Revenue67895$57.7M in 2025+26% since 2019
0$20.0M$40.0M$60.0M2019: $45.9M$45.9M20192020: $45.2M$45.2M2020−2%2021: $51.1M$51.1M2021+13%2022: $48.2M$48.2M2022−6%2023: $44.5M$44.5M2023−8%2024: $48.2M$48.2M2024+8%2025: $57.7M$57.7M2025+20%
Net income67895$52.2M in 2025−24% since 2019
-$50.0M0$50.0M$100.0M2019: $69.1M$69.1M20192020: $69.8M$69.8M2020+1%2021: $76.9M$76.9M2021+10%2022: $71.7M$71.7M2022−7%2023: $48.2M$48.2M2023−33%2024: -$28.1M-$28.1M20242025: $52.2M$52.2M2025
Fiscal year2019202020212022202320242025
Revenue$45.9M6$45.2M7$51.1M8$48.2M9$44.5M5$48.2M5$57.7M5
Interest$64.2M6$42.5M7$16.6M8$38.5M8$171.6M8
Income before tax$98.2M8$91.2M9$56.5M5-$38.8M5$67.4M5
Income tax$19.1M6$19.3M7$21.3M8$19.5M9$8.3M5-$10.8M5$15.2M5
Net income$69.1M6$69.8M7$76.9M8$71.7M9$48.2M5-$28.1M5$52.2M5
Earnings per share$3.986$4.037$4.438$4.149$2.825-$1.635$2.725
Earnings per share (diluted)$3.966$4.007$4.398$4.119$2.825-$1.635$2.715
Shares (weighted, basic)17.3M shares817.2M shares917.0M shares517.1M shares519.2M shares5
Shares (weighted, diluted)17.5M shares817.4M shares917.1M shares517.1M shares519.3M shares5

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Corporate structure

WASHINGTON TRUST BANCORP INC sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of WASHINGTON TRUST BANCORP INC

  • BlackRock Portfolio Management LLC Filed SCHEDULE 13G/A on WASHINGTON TRUST BANCORP INC, latest Jul 17, 2026 (4 filings since Apr 15, 2025)
  • FMR LLC Filed SCHEDULE 13G/A on WASHINGTON TRUST BANCORP INC, latest May 6, 2026 (5 filings since Feb 9, 2022)
  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on WASHINGTON TRUST BANCORP INC, latest Apr 30, 2026
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on WASHINGTON TRUST BANCORP INC, latest Mar 27, 2026 (4 filings since Feb 10, 2022)
  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on WASHINGTON TRUST BANCORP INC, latest Jul 15, 2025 (2 filings since Oct 31, 2024)
  • BlackRock Filed SCHEDULE 13G/A on WASHINGTON TRUST BANCORP INC, latest Apr 17, 2025 (6 filings since Feb 1, 2022)
  • FRANKLIN MUTUAL ADVISERS LLC Filed SC 13G/A on WASHINGTON TRUST BANCORP INC, latest Jan 30, 2024 (3 filings since Feb 2, 2022)
  • WASHINGTON TRUST BANCORP INC Westerly, Rhode Island, United States
    • The Washington Trust Company, of Westerly Subsidiary · Westerly, Rhode Island, United States
      • WASHINGTON TRUST MORTGAGE COMPANY LLC Subsidiary · Westerly, Rhode Island, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What WASHINGTON TRUST BANCORP INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$4.6M5 Dec 31, 2025$3.9M5 Dec 31, 2024+18.4%
Buildings and improvements$37.4M5 Dec 31, 2025$36.5M5 Dec 31, 2024+2.5%
Furniture and fixtures$20.8M5 Dec 31, 2025$21.5M5 Dec 31, 2024−3.2%
Property and equipment, before depreciation$62.9M5 Dec 31, 2025$61.9M5 Dec 31, 2024+1.6%
Accumulated depreciation$37.5M5 Dec 31, 2025$35.0M5 Dec 31, 2024+7.0%
Property and equipment, net$25.4M5 Dec 31, 2025$26.9M5 Dec 31, 2024−5.5%
Operating-lease assets (leased space)$35.9M5 Dec 31, 2025$26.9M5 Dec 31, 2024+33.3%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$940.3M5 Dec 31, 2025$916.3M5 Dec 31, 2024+2.6%
Deposits held (banks)$5.3B5 Dec 31, 2025$5.1B5 Dec 31, 2024+3.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$63.9M5 Dec 31, 2025$63.9M5 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$4.3M5 Dec 31, 2025$2.9M5 Dec 31, 2024+49.2%

Properties, in its own words

Washington Trust’s headquarters and main office is located at 23 Broad Street, in Westerly, in Washington County, Rhode Island.

As of December 31, 2025, Washington Trust conducts business from 10 branch offices located in southern Rhode Island (Washington County), 17 branch offices located in the greater Providence area in Rhode Island and one branch office located in southeastern Connecticut.

The rest of Item 2

In addition to branches, Washington Trust has a number of offices in which other services are offered or conducted. Residential mortgage lending offices are located in eastern Massachusetts (Sharon, Burlington, Braintree and Wellesley); in Glastonbury, Connecticut; and in Rhode Island (Westerly and Warwick). Commercial lending offices are located in Rhode Island (Westerly, Warwick and Providence); and in New Haven, Connecticut. Wealth management services are offered from offices that are located in Rhode Island (Westerly, Narragansett and Providence); in New Haven, Connecticut; and in Wellesley, Massachusetts. In addition, Washington Trust has an executive office in Providence, Rhode Island, an employment and training center in Westerly, Rhode Island, and a loan servicing facility in Stonington, Connecticut.

At December 31, 2025, four of the Corporation’s facilities were owned, 36 were leased and one branch office was owned on leased land. Lease expiration dates range from 4 months to 22 years, with additional renewal options on certain leases ranging from 3 years to 15 years. All of the Corporation’s properties are considered to be in good condition and adequate for the purpose for which they are used.

The Bank also brands ATMs located in retail stores and other locations primarily in Rhode Island and to a lesser extent in southeastern Connecticut. These ATMs are operated under contracts with a third-party vendor.

See Notes 6 and 7 to the Consolidated Financial Statements for additional information regarding premises and equipment and leases.

Item 2 of the 10-K filed Feb 24, 2026.4

Leadership

Who has led WASHINGTON TRUST BANCORP INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Joseph J. Marcaurele2011–2017
  2. Edward O. Handy Iii.2018–now

Chair

  1. Joseph J. Marcaurele2011–2017
  2. Edward O. Handy Iii.2018–now

President

  1. John F. Treanor2006–2009
  2. Joseph J. Marcaurele2009–2013
  3. Edward O. Handy Iii.2013–2017
  4. Mark K. W. Gim2018–2023
  5. Mary E. Noons2023–now

Chief financial officer

  1. David Devault V.2006–2018
  2. Ronald S. Ohsberg2021–now

Chief operating officer

  1. Edward O. Handy Iii.2013–2017
  2. Mark K. W. Gim2018–2023
  3. Mary E. Noons2023–now
2010201520202025
Board members and other officers (52)

Timeline

  1. Jul 20, 20268-K Results of operations73
  2. May 12, 20268-K Other events74
  3. May 1, 20268-K Shareholder vote75
  4. Apr 20, 20268-K Results of operations76
  5. Feb 18, 20268-K Executive or director change77
  6. Jan 28, 20268-K Results of operations78
  7. Oct 20, 20258-K Results of operations79
  8. Oct 8, 20258-K Other events80
  9. Aug 13, 20258-K Regulation FD disclosure81
  10. Jul 21, 20258-K Results of operations82
  11. May 19, 20258-K Other events83
  12. Apr 25, 20258-K Shareholder vote84
  13. Apr 3, 2018New chief executive Edward O. Handy Iii. becomes CEO14
  14. Jun 7, 2011New chief executive Joseph J. Marcaurele becomes CEO15
  15. Jan 5, 1984Founded WASHINGTON TRUST BANCORP INC is founded2

Calendar

When it reported results

  1. Jul 20, 2026Reported quarterly or annual results73
  2. Apr 20, 2026Reported quarterly or annual results76
  3. Jan 28, 2026Reported quarterly or annual results78
  4. Oct 20, 2025Reported quarterly or annual results79
  5. Jul 21, 2025Reported quarterly or annual results82
  6. Apr 21, 2025Reported quarterly or annual results85
  7. Jan 29, 2025Reported quarterly or annual results86
  8. Oct 21, 2024Reported quarterly or annual results87

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

301 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 46 major events, 184 insider forms, 25 large holders, 26 other. The latest 20:

  1. Aug 14, 2026EFFECT EDGAR
  2. Aug 7, 2026S-3 EDGAR
  3. Aug 6, 202610-Q EDGAR
  4. Jul 28, 20264 PRIMARY DOCUMENT EDGAR
  5. Jul 20, 20268-K EDGAR
  6. Jul 17, 2026SCHEDULE 13G/A EDGAR
  7. May 12, 20268-K EDGAR
  8. May 8, 2026S-8 EDGAR
  9. May 7, 202610-Q FORM 10-Q 3-31-2026 EDGAR
  10. May 6, 2026SCHEDULE 13G/A EDGAR
  11. May 4, 20264 PRIMARY DOCUMENT EDGAR
  12. May 1, 20268-K EDGAR
  13. Apr 30, 2026SCHEDULE 13G EDGAR
  14. Apr 30, 2026144 EDGAR
  15. Apr 30, 20264 PRIMARY DOCUMENT EDGAR
  16. Apr 30, 20263 PRIMARY DOCUMENT EDGAR
  17. Apr 30, 20264 PRIMARY DOCUMENT EDGAR
  18. Apr 30, 20264 PRIMARY DOCUMENT EDGAR
  19. Apr 30, 20264 PRIMARY DOCUMENT EDGAR
  20. Apr 30, 20264 PRIMARY DOCUMENT EDGAR

The 301 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

18 open-market trades by officers, directors and large owners since October 2021: 6 buys and 12 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 28, 2026Handy Edward O. IIIChairman and CEOSale1$38.94$35Form 4
Apr 30, 2026Lora Rolando AEVP Ch Ret Len Off Dir Com LenSale885$31.56$27.9KForm 4
Apr 27, 2026Handy Edward O. IIIChairman and CEOBuy3,195$31.32$100.1KForm 4
Apr 24, 2026Ohsberg Ronald S.SEVP, CFO and TreasurerBuy1,606$31.00$49.8KForm 4
Apr 23, 2026Brown James CannonSEVP, Chief Comm'l Banking OffBuy32,000$31.17$997.5KForm 4
Aug 25, 2025DiMuccio Robert ADirectorBuy3,000$29.69$89.1KForm 4
Aug 5, 2025Ohsberg Ronald S.SEVP, CFO and TreasurerBuy3,700$26.95$99.7KForm 4
Jun 6, 2025RYAN KATHLEEN AEVP and Chief Wealth MgmtSale544$27.65$15.0KForm 4
May 2, 2024RYAN KATHLEEN AEVP and Chief Wealth MgmtSale535$26.46$14.2KForm 4
Sep 11, 2023Noons Mary E.President and COOSale1$26.94$21Form 4
Feb 8, 2023Howes Constance ADirectorBuy1,250$44.01$55.0KForm 4
Dec 12, 2022Santos Edwin JDirectorSale100$48.53$4.9KForm 4
Dec 9, 2022DiSanto Kristen LSEVP, CHRO and Corp SecrSale1$48.16$30Form 4
Dec 8, 2022Ohsberg Ronald S.SEVP, CFO and TreasurerSale1$47.97$47Form 4
Nov 17, 2022ALGIERE DENNIS LEVP Ch Comp Off/Dir Com AffairSale0$47.43$14Form 4
Jan 31, 2022Santos Edwin JDirectorSale300$57.01$17.1KForm 4
Jan 7, 2022Hagerty James MEVP & Chief Lending OfficerSale2,000$60.11$120.2KForm 4
Nov 2, 2021MarcAurele Joseph JDirectorSale5,000$55.24$276.2KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Edward O. Handy III64$810.2K$1.9M95
2025Mary E. Noons64$439.4K$993.9K95
2025Kathleen A. Ryan60$374.6K$788.5K95
2025Ronald S. Ohsberg61$399.6K$758.1K95
2025Rolando A. Lora55$349.6K$694.6K95
2024Chairman and Chief Executive Officer of the Corporation and Bank$779.4K$1.7M95
2024President and Chief Operating Officer of the Corporation and Bank$415.7K$884.9K95
2024Executive VicePresident and Chief Wealth Management Officer of the Bank$359.7K$723.2K95
2024Senior Executive Vice PresidentChief Financial Officer and Treasurer of the Corporation and Bank$384.7K$708.3K95
2023Chairman and Chief Executive Officer of the Corporation and Bank$749.2K$1.5M95
2023President and Chief Operating Officer of the Corporation and Bank$398.3K$1.4M95
2023Executive VicePresident and Chief Wealth Management Officer of the Bank$344.6K$669.9K95
2023Senior Executive Vice PresidentChief Financial Officer and Treasurer of the Corporation and Bank$369.6K$630.7K95

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.2,235,699$81.6M0.0%−220,170
Fmr LLC1,000,649$36.5M0.0%+5,667
Vanguard Capital Management LLC843,753$30.8M0.0%−8,109
Franklin Resources Inc841,065$30.7M0.0%+185,198
State Street Corp774,736$28.3M0.0%+197,328
Dimensional Fund Advisors LP751,965$27.4M0.0%+58,764
Geode Capital Management, LLC520,133$19.0M0.0%+32,290
Aqr Capital Management LLC461,273$16.8M0.0%+235,362
Two Sigma Investments, LP453,229$16.5M0.0%+52,562
Hotchkis & Wiley Capital Management LLC319,513$11.7M0.0%+12,750
Drexel Morgan & Co.300,800$11.0M1.5%No change
First Horizon Corp296,225$10.8M0.4%No change
Manufacturers Life Insurance Company, The289,374$10.6M0.0%−1,644
American Century Companies Inc282,349$10.3M0.0%+185,409
Goldman Sachs Group Inc276,500$10.1M0.0%+12,169
Invesco Ltd.251,517$9.2M0.0%+21,070
Vanguard Portfolio Management LLC220,439$8.0M0.0%+48,048
Northern Trust Corp196,582$7.2M0.0%+22,163
Basswood Capital Management, L.l.c.183,998$6.7M0.3%New
Morgan Stanley175,961$6.4M0.0%+28,078
Citadel Advisors LLC166,298$6.1M0.0%+5,980
Charles Schwab Investment Management Inc158,679$5.8M0.0%+4,168
Millennium Management LLC150,202$5.5M0.0%New
Bank of New York Mellon Corp149,824$5.5M0.0%+4,019
Prudential Financial Inc129,679$4.7M0.0%−42,192

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How WASHINGTON TRUST BANCORP INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARWASHINGTON TRUST BANCORP INC1
  • CIK0000737468
  • Employer ID (EIN)05-04046714
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inRhode Island4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address23 Broad St, Westerly, RI 028911
  • Mailing address23 Broad Street, Westerly, RI 028911
  • Phone40134812001
  • Shares outstanding19,074,321 as of Jul 31, 202611
  • Public float$539.5M as of Jun 30, 20254
  • AuditorCrowe LLP, Franklin, TN PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceFeb 11, 19941
  • Filings1,793 in all: 4 (1,041), 8-K (213), 10-Q (98), 144 (81), SC 13G/A (49), 5 (42), 3 (34), 10-K (33)1
    All 43 form types

    DEF 14A (31), 4/A (25), DEFA14A (20), SC 13G (20), ARS (11), UPLOAD (11), CORRESP (10), S-8 (9), SCHEDULE 13G/A (8), S-3 (6), 10-Q/A (5), EFFECT (5), 424B3 (4), 8-K/A (4), PRE 14A (4), S-3DPOS (3), SCHEDULE 13G (3), 3/A (2), 424B5 (2), S-3/A (2), S-4 (2), S-4/A (2), 10-C (1), 10-K/A (1), 15-12G (1), 425 (1), 8-A12B (1), 8-A12B/A (1), 8-A12G (1), 8-A12G/A (1), D (1), REGDEX (1), S-3D (1), S-8 POS (1), SC 13D (1)

  • Latest filingsAnnual report (10-K) Feb 24, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Mar 17, 2026
    Latest 8-K (8-K) Jul 20, 2026

Securities registered for trading

ClassSymbolExchange
COMMON STOCK, $.0625 PAR VALUE PER SHAREWASHNasdaq Global Select Market

From the cover page of the 10-K filed Feb 24, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks WASHINGTON TRUST BANCORP INC names in Item 1A of its 10-K filed Feb 24, 2026: 41 risks under these headings, as written.4

  • RISKS RELATED TO OUR BUSINESS AND INDUSTRY
  • Fluctuations in interest rates may impair the Bank’s business.
  • We may be adversely affected by volatility in U.S. and global economic conditions and changes in fiscal, monetary, trade and regulatory policies.
  • Inflation can have an adverse impact on our business and on our customers.
  • Changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely affect our business, financial condition, and results of operations.
  • Changes in the business and economic conditions in southern New England could adversely affect our financial condition and results of operations.
  • Increased market volatility and adverse changes in financial or capital market conditions may increase our market risk.
  • If we are unable to access the capital markets, have prolonged net deposit outflows, or our borrowing costs increase, our liquidity and competitive position will be negatively affected.
  • Our cost of funds for banking operations may increase as a result of general economic conditions, interest rates and competitive pressures.
  • Our loan portfolio includes commercial loans, which are generally riskier than other types of loans.
  • A portion of our commercial loan portfolio consists of loan participations, which may have a higher risk of loss than loans we originate because we are not the lead lender and we have limited control over credit monitoring.
  • We may experience losses and expenses if security interests granted for loans are not enforceable.
The other 30 risks
  • Environmental liability associated with our lending activities could result in losses.
  • We are subject to a variety of risks in connection with any sale of loans we may conduct, which could adversely affect our results of operations and financial condition.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings may decrease.
  • We are a holding company and depend on the Bank for dividends, distributions, and other payments.
  • We cannot guarantee that our allocation of capital to various alternatives, including share repurchase programs, will enhance long-term shareholder value.
  • We have credit and market risk inherent in our investment securities portfolio.
  • Potential downgrades of U.S. government agency and government-sponsored enterprise securities by one or more of the credit ratings agencies could have a material adverse effect on our operations, earnings and financial condition.
  • The soundness of other financial institutions could adversely affect us.
  • Market changes or economic downturns may adversely affect demand for our fee-based services and level of wealth management AUA.
  • We face continuing security risks to our data, including the information we maintain relating to our customers.
  • We rely on other companies to provide key components of our business infrastructure.
  • We may not be able to successfully implement future information technology system enhancements, which could adversely affect our business operations and profitability.
  • We may incur significant losses as a result of ineffective risk management processes and strategies.
  • Damage to our reputation could significantly harm our business, including our competitive position and business prospects.
  • We may not be able to compete effectively.
  • We may be unable to attract and retain key personnel.
  • Natural disasters, acts of terrorism, future pandemics and other external events could harm our business.
  • Climate change and related legislative and regulatory initiatives may result in operational changes and expenditures that could significantly impact our business.
  • If we are required to write-down goodwill or other intangible assets recorded in connection with our acquisitions, our profitability would be negatively impacted.
  • Our financial statements are based in part on assumptions and estimates, which, if wrong, could cause unexpected losses in the future.
  • Changes in accounting standards can materially impact our financial statements.
  • Changes in tax laws and regulations, differences in interpretation of tax laws and regulations, and reductions in the value of our deferred tax assets may adversely impact our financial statements.
  • The market price and trading volume of our stock can be volatile.
  • We may need to raise additional capital in the future and such capital may not be available when needed.
  • Certain provisions of our articles of incorporation may have an anti-takeover effect.
  • RISKS RELATED TO OUR REGULATORY ENVIRONMENT
  • We operate in a highly regulated industry, and laws and regulations, or changes in them, could limit or restrict our activities and could have a material adverse effect on our operations.
  • Our wealth management business is highly regulated, and the regulators have the ability to limit or restrict our activities and impose fines or suspensions on the conduct of our business.
  • We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • We may become subject to enforcement actions even though noncompliance was inadvertent or unintentional.
  • We face significant legal risks, both from regulatory investigations and proceedings, and from private actions brought against us.

Legal proceedings

The Corporation is involved in various claims and legal proceedings arising out of the ordinary course of business. Management is of the opinion, based on its review with counsel of the development of such matters to date, that the ultimate disposition of such matters will not materially affect the consolidated financial position or results of operations of the Corporation.

The opening of Item 3, Legal Proceedings.4

Sources

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