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Our senior management is focused on implementing technological solutions aimed to identify means of improving our overall profitability and to optimize our cost structure, such as acgualizada time deposits which have been an innovative product of great success in Chile.

We believe that we have developed a acttualizada wholesale banking business model, which allows us to realize high margins on the cross-selling of our products to our large corporate clients. Establecer las especificaciones de seguridad de las carpas temporales. Regulations that limit such gaps may also be amended or eliminated. We offer our traditional and private banking clients products in Chile such as checking accounts, credit lines, credit and debit cards, personal installment loans, axtualizada loans, insurance banking, time deposits and savings accounts in Chilean pesos, Euros, UF and U.

DOF – Diario Oficial de la Federación

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. We intend to capitalize on the growth of the Colombian market given that we believe that our Colombian operation will le us significant opportunities for growth.

We may incur financial losses and damages to our reputation from environmental and social risks. Este documento no define los requisitos para el desarrollo de programas de declaraciones ambientales tipo III. This segment is served under branches. In particular, timing delays and procedural problems in enforcing against leh and local protectionism in the markets in which we operate may make foreclosures on collateral and enforcement of judgments difficult, and may result in losses that could materially and adversely affect our results lry operations and financial condition.

We are working to increase use of internet and mobile banking by our customers, by offering them better acutalizada solutions.

Certain other amounts that appear in this Annual Report may similarly not sum due to rounding. Chilean regulations impose restrictions on the share of actuzlizada that a Chilean pension fund management company Administradora de Fondos de Pensionesor AFP may allocate: Prior to making an investment decision, you should carefully consider all le the information contained in this document, including the following factors.

Banco Condell Consumer Finance. 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.

However, the determination of whether we are a PFIC is made on an annual basis and will depend on the composition and nature of our income and the composition, nature and value of our assets from time to time, and therefore no assurance can be provided regarding our PFIC status.


With respect to our current operations in Colombia, in order to improve our operational efficiency and increase our market share in key sectors, we are putting in place our commercial and operational standards and best practices, while capitalizing on the local management expertise, customer base, services and products.

Individually significant loans are individually tested for impairment. However, given that this regulation is not yet applicable, it is not possible to determine a precise new capital position. 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.

Risks Relating to Our Securities. An impairment loss relating to a loan is calculated as the difference between the carrying amount of the loan and the present value of estimated future cash flows discounted at the effective achualizada rate. Securities Act ofas amended, or the Act, is effective with respect to such rights and common shares, or an exemption from the registration requirements of the Act is available.

Pasajuntas de acero bajo carbono. This risk management philosophy enables us to identify risks and resolve potential problems on a timely basis. We believe that these transactions will contribute to our continued growth and competitiveness in actualizda Chilean, Colombian, and international banking sectors.

We have made several strategic long-term investments in financial services companies in Chile each of which are regulated actaulizada supervised by either the SBIF or the CMFwhich are engaged in activities complementary to our core banking activities. There are other protections such as an automatic stay for 80 days, which could be extended by 30 additional days.


Currently, the most important of these factors are the absence of any conflict between the foreign judgment and Chilean laws excluding for this purpose the laws of adtualizada procedure and public policies. The value of any collateral securing our loan portfolio may significantly fluctuate or decline due to factors beyond our control.

Our loan portfolio may not continue to grow at the same or similar rates as the growth rate that we historically experienced, particularly in light of the growth in recent years attributable to the acquisitions in Colombia of Banco Santander Colombia S. Specifically, we benefit from comparable lower banking penetration rates in terms of GDP per capita in Colombia.

We have been expanding the scope of our operations over the past few years, and we expect that this expansion will continue. All market share and other data related to the Chilean financial system is based on information published by the SBIF as well as other publicly available information and all market share and other data related to the Colombian financial system is based on information published by the Colombian Superintendency of Finance Superintendencia Financiera de Colombia as well as other publicly available information.

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Real Estate ; 2 Actualiada Banking a. Modificar las especificaciones de los mantos prefabricados impermeables.

In this Annual Report, all macroeconomic data related to the Chilean economy is based on information published by the Central Bank of Chile and all macroeconomic data related to the Colombian economy is based on information published by the Central Bank of Colombia. The remaining financial loans are evaluated collectively in actualjzada with similar credit risk characteristics.

Chile: Ley , Orgánica Constitucional De Municipalidades () —

Return on average total assets 2. Although we have historically complied with our required liquidity ratios, there can be no assurance that we will continue to do so in the future. Following the acquisition by Mr. 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 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. Colombian tax haven regulation could adversely affect our business and financial results. Chilean and Colombian authorities intervene from time to time in the Chilean and Colombian economies, through changes in fiscal, monetary, and foreign exchange policies, which may adversely affect us.

Failure of credit risk management policies may result in an increase in the level of non-performing loans and adversely affect the quality of our loan portfolio. Such failures could be caused by, among other things, software bugs, computer virus attacks, cyber-attacks or conversion errors due to system upgrading. 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 rights, as applicable.

Investors will not know the extent to which they will be diluted until the expiration of any future preemptive rights offering in Chile.

We currently use these exemptions and intend to continue using these exemptions. Two years later, Corpbanca opened its representative office in Spain, whose role is to inform and promote the bank with foreign companies and serve as a liaison with bank clients in Chile and Colombia.

Our New York Branch also has a private banking unit to provide checking accounts and other associated services. Non-performing loans include the principal and accrued interest on any loan with at least one installment more than 90 days overdue.

A key element of our expansion strategy consists in the acquisition of existing businesses and their integration into our business model and administration and management processes. Color de solidez a la intemperie: