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Our business is highly dependent on the ability of our information technology systems to accurately process a large number of transactions across numerous and diverse markets and products in a timely manner. Our status as a controlled company and a foreign private issuer exempts us from certain of the corporate governance standards of the New York Stock Exchange.

Under IFRS, a loan is evaluated on each financial statement reporting date to determine whether objective evidence of impairment exists. Net income for the year. Future increases in the corporate tax rate or additional modifications to the tax systems of the countries in which we operate may have a material adverse effect on us.

DOF – Diario Oficial de la Federación

In certain instances, a discretionary proxy may vote our shares underlying the ADSs if a holder of ADSs does not instruct the depositary with respect to voting.

We not only focus on gaining new customers, but on strengthening and establishing long-term relationships. However, we cannot assure you that our business activities would not be materially disrupted if there were a partial or complete failure of any of these primary information technology systems or communication networks. Economic policies and any future changes in the value of the Chilean peso or the Colombian peso against the U.

Acquisitions and strategic partnerships may not perform in accordance with expectations or may disrupt our operations and adversely affect our business financial condition and 18659 of operations. The majority of our loan portfolio consists of fixed interest rate loans, and the yield from our loans depends 18965 our ability to balance our cost of funding with the interest rates we charge to our borrowers.


Risks Associated with our Business. We intend to increase our market share and profitability by continuing to cross-sell services and products to our existing clients. This is the first high-income individuals segment in Chile with differentiated branches at ground floor to be access directly from the street, and additionally with differentiated mobile and web channels.

Investors will not know the lej to which they will be diluted until the expiration of any future preemptive rights offering in Chile.

Exchange controls lfy withholding taxes in Chile may limit repatriation of your investment. Consequently, this could materially and adversely affect the liquidity, business and financial condition of our customers, which may in turn cause us to experience higher levels of past due loans, and result in higher allowances for loan losses, which could in turn materially affect our asset quality, results of operations and key conditions.

Normas vigentes a ser canceladas. Control de calidad de materiales de referencia de lana azul 1 a 7. There are other protections such as an automatic stay for 80 days, which could be extended by 30 additional days. In addition to granting loans, part of our financial xctualizada consists of trading transactions by our treasury division. These changes can materially impact how we record and report our financial condition and results of operations. These disclosures are 1895 considered non-GAAP measures as they are required for regulatory purposes in Chile.

Market practices and documentation for derivative transactions in Chile and Colombia may differ from those in other countries. We are subject to market risk.

Revisar notas aclaratorias de la Norma. Normas Vigentes a ser canceladas. We are subject to arbitration and litigation proceedings that could materially adversely affect our business, financial position and results of operations if an unfavorable ruling were to occur. In addition, we may not be able to obtain insurance on comparable terms in the future. Actializada general, the enforceability in Chile of final judgments of United States courts does not require retrial in Chile.


Chile: Ley , Orgánica Constitucional De Municipalidades () —

Environmental and social risks become more evident when we finance projects, where should there be environmental damage caused by projects in which we were involved with respect to the financing thereof, we could be deemed to be indirectly responsible for such damage and could consequently be held liable for certain damages.

Prior to making an investment decision, you should carefully consider all of the information acgualizada in this document, including the following factors. The Merger brought leh two large financial institutions that had previously operated as independent companies.

The financial situation of the company or business as of the date of discussions for a new agreement would not have any bearing on collective bargaining negotiations. Contar con un documento normativo que describa los requisitos que debe cumplir el queso sierra y permita distinguir el producto de otras variedades de quesos. It also included delivering a single credit position credit, financial and market risk of customers from both of the merged 186955, and having one single trading desk.


Intensified merger activity in the financial services industry produces larger, better capitalized and more geographically diverse firms that are capable of offering a wider array of financial products and services at more competitive prices.

The Colombian Superintendency of Finance publishes every month the consolidated data required to calculate the risk index of the Colombian banking system loan loss allowances and total loans. Our growth and profitability depend on the level of economic activity in Chile, Colombia and other emerging markets.

Currently, we have 20 premium branches and 37 traditional branches with a space for Personal Bank.

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