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Constitutional collective actions acciones popularesclass actions acciones de grupo and other similar legal actions in Chile and Colombia involving claims for significant monetary awards against financial institutions may have an adverse effect on our business and results of operations. Our chief financial officer CFOActuqlizada Moura, has over 21 years of experience in the banking and financial industry. The principal amendments enacted by Law 20, to the existing labor framework in Chile include, among others: Contar con un documento normativo que describa los requisitos que debe cumplir el queso bola de Ocosingo y permita distinguir el producto de otras variedades de quesos.

avtualizada Contar con un documento normativo que describa los requisitos que debe cumplir el queso de poro y permita distinguir el producto de otras variedades de quesos. In addition, cyber-attacks could disrupt our electronic systems used to service our customers.

The impact of such new legislation is still unknown, and further regulations may be required for such legislation to be implemented.

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Nevertheless, the Central Bank of Chile may intervene by buying or selling foreign currency on the Formal Exchange Market to attempt to maintain the Actualiada Exchange Rate within a desired range.

The majority of our loan portfolio consists of fixed actualizadq rate loans, and the yield from our loans depends on our ability to balance our cost of funding with the interest rates we actualiada to our borrowers. Many of these factors are beyond our control. We are subject to financial and operational risks associated with derivative transactions. If we require additional capital in the future, we cannot assure you that we will be able to obtain such capital on favorable terms, in a timely manner or at all.


Additionally, we believe that our strong franchise in the retail banking unit offers us the potential for significant growth in our loan portfolio, in the low- mid- and high-income segments. Although we maintain comprehensive contingency plans and security procedures, there can be no assurance that terrorist events will not occur and that their occurrence will not have a material actualizaea impact on our business and results of operations for any fiscal quarter or year.

Chile: Ley , Orgánica Constitucional De Municipalidades () —

Tejidos actualozada calada y tejido de punto. It may not be possible to identify a single event that was leg individual cause of the impairment.

Exhibidores de alambre de acero. 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. Amounts relating to inter-company transactions have not been removed for purposes of this table.

Total operating income, net of provision for loan losses, interest and fees.


Under actualizadda Chilean Insolvency Act, monetary collection and enforcement of rights by a creditor may face limitations such as those arising from the Insolvency Protection as defined below recognized by the act. Such factors include market factors, environmental risks, natural disasters, macroeconomic factors and political events affecting the Chilean or Colombian economies.


In our aggregate gross loan portfolio decreased by 3.

We cannot make any assurances that Chilean or Colombian inflation will not revert to prior levels in the future. The growth and composition of our loan portfolio may expose us to increased loan losses.

Under such laws, our shareholders may have fewer or less well-defined rights than they might have as shareholders of a corporation incorporated in a U. Trading portfolio financial assets. Although Chilean and Colombian inflation have been low in recent years, Chile and Colombia have experienced high inflation in the double-digit levels in the past. We believe that the Merger has given us a complementary banking operations and an improved market position, which enhances our client servicing models.

In addition, we may also be impacted by cyber-attacks against national critical infrastructures of the countries where we operate; for example, the telecommunications network. Any such limitations could materially and adversely affect our results of operations and financial position.

Contar con un documento normativo que describa los requisitos que debe cumplir el queso de morral y permita distinguir el producto de otras variedades de quesos.

We believe that an excessive concentration with respect to a particular risk factor could have a material adverse effect on our business, financial condition and results of operations. As of today, we remain the only Chilean-based bank to have a footprint in Colombia through a universal bank.

There may be a lack of liquidity and market for our ADSs and common shares.