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Failure to meet contractual obligations by our counterparties could have a material adverse effect on our business, financial condition and results of operations. In the case of loans recorded at amortized cost, the reversal is recorded in income. Market practices and documentation for derivative transactions in Chile and Colombia may differ from those in other countries. The actualzada tables present our selected financial data as of the dates and for the periods indicated.

Chile: Ley , Orgánica Constitucional De Municipalidades () —

Additionally, changes in the Chilean or Colombian economies, a slowdown in the growth of customer demand, an increase in market competition or changes in governmental regulations could also adversely affect the rate of growth of our loan portfolio and our risk index.

Significant management attention and resources have been and will continue to be required to integrate certain aspects of the business. We believe that we have developed a successful wholesale banking business model, which allows us to realize high margins on the cross-selling of our products to our large corporate clients.

Industria textil-Estructuras temporales-Carpas -Seguridad. Our loan portfolio may not continue to grow at the same or similar rate. Owners of ADSs are entitled to receive dividends on the underlying shares to the same extent as the holders of shares. It is expected that their activities will continue.

Prior to making an investment decision, you should carefully consider all of the information contained in this document, including the following factors.


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We are committed to continuing to improve our operating efficiency and profitability. Colour fastness to artificial weathering: 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.

We generally apply the relevant terms of our collective bargaining agreement to unionized and non-unionized employees in each of the markets in which we operate. Furthermore, under the Chilean General Banking Act, representative offices of non-Chilean banks are allowed to promote the credit products and services of their headquarters, which has increased, and may further increase, competition in our industry and, thus, have an adverse effect on our results of operation and financial condition.

Under the Chilean Consumer Protection Act and under the Colombian Constitution and Law ofindividuals may initiate actualizava or class actions to protect their collective or class rights, as applicable. As a result of the inherent limitations in our disclosure and accounting controls, misstatements due to error or misconduct may occur and not be detected. We may not be able to manage our 118695 successfully. Random tumble pilling method.

Additionally, due to limitations in the availability of information and the developing information infrastructure in Chile and Colombia, our pey of the credit risks associated with a particular customer may not be based on complete, accurate or reliable information.

As of today, we remain the only Chilean-based bank to have a footprint in Colombia through actualiizada universal bank.

This risk management philosophy enables us to identify risks and resolve potential problems on a timely basis.


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. These changes can materially impact how we record and report our financial condition and results of operations.

Our development, operation and growth depends significantly upon the efforts and experience of our board of directors, senior management and other key executives. However, it is possible to anticipate that some additional contribution from the employers to the Chilean social security system will be approved, which may cause a relevant increase in our labor costs and, therefore, have a material adverse effect on our financial results.


Our growth and profitability depend actualizxda the level of economic activity in Chile, Colombia and other emerging markets. Furthermore, a substantial number of our customers consist of individuals and small-to-medium-sized enterprises, or Actualizadq. Our loan and investment portfolios are subject to prepayment risk, which results from the ability of a borrower or issuer to pay a debt obligation prior to maturity.

The Colombian government has established a cap on the fees banks can charge on withdrawals from ATMs actuailzada their own networks.

Individuals may also seek to intentionally disrupt our online banking actuwlizada or compromise the confidentiality of customer information with criminal intent. However, given that this regulation is not yet applicable, it is not possible to determine a precise new capital position. According to Decree with Force of Law No.

actyalizada Prendas de vestir de tejido de punto y de calada. Pursuant to letter No. You should not place undue reliance on such statements, which speak only as of the date that they were made.

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 financial conditions.

The Chilean peso and the Colombian peso have been subject to significant fluctuations in their value against the U.