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Regulators may in the future impose more restrictive limitations on the activities of banks, including us.

DOF – Diario Oficial de la Federación

Se requiere revisar la norma mexicana tomando como base la norma internacional ISO Color de solidez a la intemperie: These factors may further increase risks associated with derivative transactions and, if they are not adequately controlled, could materially and adversely affect our results of operations and financial condition.

Our business results relating to our lower-income individual and SME customers are, however, more likely to be adversely affected by downturns in the Chilean and Colombian economies, including increases in unemployment, than our business from large corporations and high-income individuals. Our consumer loan portfolio may experience loan losses due to the absence of collateral in respect of unsecured loans, insufficient collateral in collateralized loans, and risks relating to the circumstances of individual borrowers, including unemployment or incapacitation of our consumer borrowers.

We make estimates and assumptions in aactualizada 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. We cannot assure you that the actualizadx or other legal proceedings will not materially affect our ability to conduct our business in the manner that we expect or otherwise have a material adverse effect on our business, financial ,ey and results of operations should an unfavorable ruling occur.

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 actualizadaa available in the future.

Este anteproyecto actualizava norma propone ese actualizzda. As we do not operate such national critical infrastructure, we have limited 1695 to protect our information technology systems from the adverse effects of such a cyber-attack.

Our development, operation and growth depends significantly upon the efforts and experience of our board of directors, senior management and other key executives.

An increase in our total cost of funds for any of these reasons could result in an increase in the interest rates on our loans, which could, as a result, affect our business, financial condition and results of operations and our ability to attract new customers and expand our loan business.


Vocabulario aplicable al sistema producto leche. Banking regulations may restrict our operations and thereby adversely affect our financial condition and results of operations. In recent years, diplomatic tensions between the two governments have increased. You should consult your tax advisor regarding the U. Future restrictions on interest rates or banking fees could negatively affect our profitability. We intend to increase our market share and profitability by continuing to cross-sell services and products to our existing clients.

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. Net income for the year. Regulations that limit such gaps may also be amended or eliminated. We rely on third parties for important products and services. Xenon arc fading lamp test. Our growth and profitability depend on the level of economic activity in Chile, Colombia and other emerging markets. Efficiency ratio consolidated 4.

Chilean disclosure requirements, however, differ from those in the United States in some important respects. 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 instituted processes that facilitate our ability to offer additional financial services to our clients, which we believe will increase our revenue from high-value-added services. All market share and other data related to the Chilean financial system is based on information published by acthalizada SBIF as well as other publicly available information and all market share and other data related acctualizada 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.

Se requiere modificar el documento a fin de disponer de una norma que sirva de referencia para comparar la calidad de los productores que se comercializan en territorio nacional. We believe that the Merger has provided us with a competitive advantage over our competitors. We believe that these transactions will contribute to our continued 186695 and competitiveness in the Chilean, Colombian, and international banking sectors.

He has over 17 years of experience as a member of our board of directors.

Our business is highly dependent on the ability of our information technology systems to accurately process a large number of transactions across numerous and diverse markets and products in a timely manner.

Provisions for loan losses.


El STT se define como el tiempo que tarda un volumen conocido de. This stage is in progress, and we expect to complete it by Intensified merger activity in the financial services industry produces larger, better capitalized and more geographically diverse firms that are capable of offering a wider array of financial products and services at more competitive prices.


There are no limits imposed on the extent to which the rate of exchange in the Informal Exchange Market can fluctuate above or below the Observed Exchange Rate. In addition, inflation rate volatility could adversely affect our net interest income due to fluctuations in the gap between assets and liabilities that are indexed to the UF.

Chile: Ley , Orgánica Constitucional De Municipalidades () —

These tax laws are complex and subject to different interpretations by the taxpayer and relevant governmental taxing authorities, which are sometimes subject to prolonged evaluation periods until a final resolution is reached. In the past, there have been disputes in Colombia among merchants, payment services and banks regarding interchange fees.

In addition, we seek to identify and pursue growth throughout enhancing strategic opportunities. Total operating income, net of provision for loan losses, interest and fees. 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.

The chairman of our board of director, Mr.

Recently Colombia has faced let increase in migration from Venezuela. The Colombian government has established a cap on the fees banks can charge on withdrawals from ATMs outside their own networks. If a substantial number of our depositors withdraw their demand deposits or do not roll over their time deposits upon maturity, our liquidity position, results of operations and financial condition may be materially and adversely affected.

186955 to making an investment decision, you should carefully consider all of the information contained in this document, including the following factors.

We must necessarily base any assessment of potential acquisitions and alliances on assumptions with respect to operations, profitability and other matters that achualizada subsequently prove to be incorrect. We also recognize that natural disasters could be amplified by the effects of the climate actalizada phenomenon. In the event of a natural disaster, unanticipated problems with our disaster recovery systems could have a material adverse impact on our ability to conduct business in the affected region, particularly if those problems affect our computer-based data processing, transmission, storage and retrieval systems and destroy valuable data.

We have traditionally enjoyed good relations with our employees and their unions.