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The business units presented in this Annual Report correspond to the business units actualizara by the bank after the Merger. Many of these factors are beyond our control.

Diversified Footprint in Chile and Colombia. We make estimates and assumptions in connection with the preparation of our consolidated financial statements, and any changes to those actualziada and assumptions could have a material adverse effect on our operating results.

Exchange controls and withholding taxes in Chile may limit repatriation of your investment. In addition, all collection proceedings outstanding at the beginning of any bankruptcy or reorganization process of any insolvent debtor must be suspended and creditors are prevented from enforcing their rights against the collateral and other leey of the debtor until the reorganization has been agreed in which case the collection proceeding is resolved within the reorganization agreement or it is declared that no reorganization was agreed.

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Operating and Financial Review and Prospects. Random tumble pilling method. The preparation of our tax returns requires the use of estimates and interpretations of complex tax laws and regulations and is subject to review by taxing authorities.

We have included herein certain information in Chilean 18965 GAAP with respect to the Chilean financial system and the financial performance of the bank. Recently, legislation was enacted in connection with the implementation of the Rural Reform Reforma Rural Integral as provided under the peace agreement, such legislation included the creation of a Land Fund for the Rural Reform Fondo de Tierras para la Reforma Rural Integraland set forth the parameters to grant land to certain benefited populations and which properties actaulizada subject to be granted.


We believe that the Merger has given us a complementary banking operations and an improved market position, which enhances our client servicing models.


The following table sets forth the annual low, high, average and period-end exchange rate for U. This insolvency protection entails that, once a non-merchant individual has ceased paying his or her debts, such individual can initiate a voluntary insolvency proceeding before a notary public or mediator to reach an agreement with its creditors. Total net operating income before income taxes. Consequently, this could materially and adversely affect the liquidity, business and financial condition of our customers, which may in turn cause us to acualizada 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.

While we believe that these estimates and assumptions are reasonable under the current circumstances, they are subject to significant uncertainties, some of which are beyond our control.

Our business and results of operations may be adversely affected if we incur liabilities that are not fully covered by our insurance policies. If other actualizadq, fines, restrictions on our business or other penalties are imposed on us for failure to comply with applicable requirements, guidelines or regulations, our business, financial condition, results of operations and our reputation and ability to engage in business may be materially and adversely affected.

Average equity as a percentage of average total assets. The following table sets forth the annual low, high, average and period-end Observed Exchange Rate for U.

Colombian insolvency laws provide that creditors of an insolvent debtor in default are prohibited from initiating collection proceedings outside the bankruptcy or reorganization process of such debtor. Loans and receivables from customers, net. Our level of insurance might not be sufficient to fully cover all liabilities that may arise in the course of our business and insurance coverage might not be available in the future.


Inandour ratio of net interest income to total operating income was You should consult your tax advisor regarding the U. We must necessarily base any assessment of potential acquisitions and alliances on assumptions with respect to operations, profitability and other matters that may subsequently prove to be incorrect.

Such additional businesses may include securities brokerage, mutual fund management, securitization, insurance brokerage, leasing, factoring, financial advisory, custody and transportation of securities, loan collection and financial services.

We cannot assure you that in the event of a sudden or unexpected shortage of funds, any money markets in which we operate will be able to maintain levels of funding without incurring higher funding costs or the liquidation of certain assets. An increase in market interest rates in Chile or Colombia could increase our cost of funding, especially the cost of time deposits, and could reduce the spread we earn on our loans, materially and adversely affecting our business, financial condition and results of operations.

Integration of acquired or merged businesses involves certain risks that may have a material adverse effect on us. Income from discontinued operations. Tejidos de calada y tejido de punto.

Failure to integrate, monitor and manage expanded operations could have avtualizada material adverse effect on our business, reputation and financial results. Sellos cortafuego en junta lineal.

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. Actuaalizada addition, our financial condition and results of operations could also be affected by regulatory changes in administrative practices or other political or economic developments in or affecting Chile or Colombia, over which we have no control.