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These translations should not be construed as representations that such Chilean peso amounts actually represent such U. Insolvency laws may limit our monetary collection and ability to enforce our rights. As we continue to grow, we must improve our operational, technical and managerial knowledge and compliance systems in order to effectively manage our operations across the expanded group. Jurisdiction of incorporation or organization. Many of these factors are beyond our control.

In mortgage loans, irrespective of their principal amount or in other loans in which the outstanding amount is greater than SMMLV, prepayment penalties or fees may be charged but only when expressly contemplated under the governing loan agreement. Banking regulations may restrict our operations and thereby adversely affect our financial condition and results of operations. Currency fluctuations could adversely affect our financial condition and results of operations and the value of our securities.

The Informal Exchange Market is comprised of entities that are not expressly authorized to operate in the Formal Exchange Market, such as certain foreign exchange houses and travel agencies, among others.

In establishing a provision for income tax expense and filing returns, we must make judgments and interpretations about the application of these inherently complex tax laws.

Any such limitations could materially and adversely affect our results of operations and financial situation. In addition, all or a substantial portion of our assets are located outside of the United States.

Despite the peace agreement between the Colombian government and FARC, which have reduced guerrilla and criminal activity, particularly in the form of terrorism attacks, homicides, kidnappings and extortion, such activities persist in Colombia, and possible escalation of such activities and the effects associated with them actuwlizada had and may have in the future a negative impact on the Colombian economy and on our operations in Colombia, including our customers, employees, results of operations and financial condition, and physical assets.

There may be a lack of liquidity and market for our ADSs and common shares. We routinely conduct transactions with counterparties in the financial services industry, including brokers and dealers, commercial banks, investment banks, mutual and hedge funds and other institutional clients.

Chilean laws, regulations, policies and interpretations of laws relating to the financial system are continually evolving and changing. In addition, we provide mutual fund and securities brokerage services. Each monthly period ends on the last calendar day of such month and the respective period-end exchange rate is published by the Central Bank of Chile on the actualizadq business day following the last calendar day of such month.


We wish to caution readers that the following important factors, and those important factors described in other reports submitted to, or filed with the Securities and Exchange Commission, or the SEC, among other factors, could affect our actual results and could cause our actual results to leu materially from those expressed in any forward-looking statements made by us or on our behalf.

Dividend per common share 4.

acthalizada One of the main purposes of this reform was to finance major educational reforms under discussion in the Chilean Congress. There are also many processes, policies, procedures, operations, technologies and systems that must be integrated in connection with the Merger.

If the judgment, estimates and assumptions we use in preparing our tax returns are subsequently found to be incorrect, there could be a material adverse effect on our results of operations.


If our assessment of, and expectations concerning, the above mentioned factors differ from actual developments, if the quality of our loan portfolio deteriorates or if the future actual losses exceed our estimates, our provisions may not be adequate to cover actual losses and we may need to make additional reserves, which may materially and adversely affect our results of operations and financial condition.

Se requiere modificar el documento a fin de disponer de una norma que sirva de referencia para comparar la calidad de los productores que se comercializan en territorio nacional. Such changes and trends may increase competition in the Colombian financial market and may impair our ability to expand or retain our customer base. La demanda de absorbencia. 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.

If this were to happen, our business, results of operations and financial condition may be materially and adversely affected. We invest in debt securities issued by the Chilean and Colombian governments, the Central Bank of Chile and the Chilean Ministry of Finance that, for the most part, are short-term and highly liquid instruments.

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It also included delivering a single credit position credit, financial and market risk of customers from both of the merged banks, and having one single trading desk. The Central Bank of Chile is empowered to require that certain purchases and sales of foreign currencies be carried out on the Formal Exchange Market. Non-performing loans include the principal and accrued interest on any loan with at least one installment more than 90 days overdue.


Under the Chilean Consumer Protection Act and under the Colombian Constitution and Law ofindividuals may initiate collective or class actions to protect their collective or class actuxlizada, as applicable. In some of our credit products, we face competition from department stores, large supermarket chains and leasing, factoring and automobile finance companies, and in the saving products and mortgage loans businesses we compete with mutual actuwlizada, pension funds, insurance companies and with residential mortgage loan managers Administradoras de Mutuos Hipotecarios.

We are exposed to many types of operational risks, including the risk of misconduct by employees and outsiders, failure to obtain proper authorizations, failure to properly document transactions, equipment failures and errors by employees.

Our loan and investment portfolios are subject to risk of prepayment, which may result in reinvestment of assets on less profitable terms. Acero estructural para puentes. Replacing these third-party vendors could also entail significant delays and expense and could negatively impact our business. The merged bank has become the fourth largest private bank in Chile and will result in a banking platform for future expansion in the Andean Region. Changes in market interest rates in Chile or Colombia could affect the interest rates earned on our interest-earning assets differently from the interest rates paid on our interest-bearing actualizaca leading to a reduction in our net interest income.

For the fiscal year ended Lye 31, A summary of the main milestones in the history of the bank is set forth in the following chart: Esta norma establece las especificaciones de calidad para las batas de trabajo con una norma que establezca las especificaciones de calidad de las batas de trabajo.

The majority of our loan portfolio consists of fixed interest rate loans, and the yield from our loans depends on our ability to balance our actualizad of funding with the interest rates we charge to our borrowers. Gross dividends per ADS 4. Income from discontinued operations. In addition, we provide financial advisory services, mutual fund management, insurance brokerage and securities brokerage services through our subsidiaries, and banking services through our New York Branch.

Although such disputes have been resolved, the SIC, may initiate new investigations relating to the interchange fees. Average equity as a percentage of average total assets. Market risk, or the risk of losses in positions arising from movements in market prices, is inherent in the products and instruments associated with our operations, including loans, deposits, securities, bonds, long-term debt, short-term borrowings, proprietary trading in assets and liabilities and derivatives.

Other loans and receivables.