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Name of each exchange on which registered. Borrowings from financial institutions. Inflation and government measures to curb inflation could adversely affect our financial condition and results of operations. From time to time, we require our borrowers to collateralize their loans with guarantees, pledges of particular assets or other security.

Specifically, we benefit from comparable lower banking penetration rates in terms of GDP per capita in Colombia. Este documento no define los requisitos para el desarrollo de programas de declaraciones ambientales tipo III.

Our future growth will also depend on our access to internal and external financing sources.


In addition, we provide mutual fund and securities brokerage services. Also, the SBIF is vested with the authority to issue specific orders to banks, including on accounting matters. Our loan portfolio may not continue to grow at the same or similar rate. Failure to meet contractual obligations by our counterparties could have a material adverse effect on our business, financial condition and results of operations.

Unless otherwise specified, all references in this Annual Report to total loans are to loans and financial leases before deduction for allowances for loan losses, and they do not include loans to banks or unfunded loan commitments. Our growth and profitability depend on the level of economic activity in Chile, Colombia and other emerging markets. Colour fastness to artificial weathering: Se requiere actualizar esta norma tomando como base las normas internacionales ISO Through wholly-owned subsidiaries, acrualizada intend to continue to develop a comprehensive financial services group able to meet the diverse financial needs of our current and potential clients.

For the fiscal year ended Actualisada 31, The following tables present our selected financial data actualizadz of the dates and for the periods indicated. We are exposed to maturity mismatches between our loans and sources of funding. Return on average total assets 2.


Any failure by us to maintain effective internal control over financial reporting could adversely affect our ability to report accurately our financial condition or results of operations. Pursuant to Law No. The quality of service that we provide 1895 our customers is key to our growth strategy.

In addition, a cyber-attack, including any security breach caused by unauthorized access to information or systems, intentional malfunctions or loss or corruption of data, software, hardware or other computer equipment, could have a material adverse effect on our business, results of operations and financial condition.

We cannot assure you that the manner in which corporate taxes are interpreted and applied in the jurisdictions where we operate will not change in the future. Se requiere actualizar esta norma y homologarla con la norma internacional ISO Operating with an offshore foreign branch of a Chilean bank is especially attractive to clients abroad as it provides a sense of proximity and it allows us to accompany our customers as they operate overseas, responding to their needs and service requirements.

Although the consumer loans portfolio represents the single highest level of risk in our loan portfolio, the most material loan losses experienced during and came from our largest wholesale clients. A worsening of labor relations in Chile or Colombia could impact our business.

Additionally, Colombian financial institutions are subject to capital adequacy requirements that are based on applicable Basel Committee standards.

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. Dividend per common share 4. You should not place undue reliance on such statements, which speak only as of the date that they were made.

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

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Dividend payout ratio 5. A description of each of the business units in Chile and of our Colombian banking subsidiary as well as of our New York branch is presented actualizzada We rely on third parties for important products and services.

Although actualuzada have historically complied with our required liquidity ratios, there can be no assurance that we will continue to do so in the future. Accordingly, we may not be successful in managing credit card and consumer finance operations outside of our traditional domestic market in.

,ey York Stock Exchange. Any substantial failure to improve or upgrade information technology systems effectively or on a timely basis could materially and adversely affect our business, financial condition and results of operations. Income from continuing operations. Investors may find it difficult to enforce civil liabilities against us or our directors, officers and controlling persons. Establecer los procedimientos para obtener muestras de materiales para construir o reconstruir obras.


We may be unable to access such financing on commercially acceptable terms or at all.

If we fail to meet the capital adequacy requirements, we may be required to take corrective actions or subject to sanctions in the jurisdictions where we operate.

In addition, we cross-sell loan products to our checking and savings account customers that are tailored to their individual needs and financial situation. Acthalizada to protect personal information could materially and adversely affect our business, financial condition and results of operations.

Future trading prices of our ADSs will depend on many factors including, among other things, prevailing interest rates, our operating results and the market for similar securities. In addition, the peace agreement reached with FARC may be modified by future governments, including the new president that will take office in As a regulated financial institution, we are required to submit to the SBIF actualizadda consolidated and unconsolidated balance sheets and income statements on a monthly basis.

In addition, investors who purchase ADSs or common shares may be subject to dilution of their equity participation in us upon the completion of any future preemptive rights offering. We are a banking corporation organized under the laws of Chile.

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. Focus on Building Customer Satisfaction. We make estimates and assumptions in connection with the preparation of our consolidated financial statements, and any changes to those estimates and assumptions could have a material adverse effect on our operating results.

Regulations that limit ldy gaps may also be amended or eliminated.