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Risks
1. Interest rate risk: U.S. Bancorp is exposed to changes in interest rates which can affect its income from loans and investments.
2. Credit risk: U.S. Bancorp is exposed to the default or delinquent payments of its customers.
3. Regulatory risk: Changes in laws and regulations could have a negative impact on the bank's operations.
4. Competition risk: The banking industry is highly competitive and U.S. Bancorp may be at a competitive disadvantage if its services or products are not up to par.
5. Reputational risk: Missteps and scandals can cause customers to leave one bank in droves and for long-term damage to the bank's reputation.