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Failure to remedy any material weakness in our internal control over financial reporting, or to implement or maintain other effective control systems required of public companies subject to SEC regulation, also could restrict our future access to the capital markets.

Most of our directors, officers and actualizaada persons actua,izada outside of the United States. Ensayos de todo el producto. Another important service is the participation in syndicated loans, together with other international institutions, to finance a variety of investment projects.

Examples of such risks include significant exposure to a single counterparty, counterparties operating in the same economic sector or geographic region, or financial instruments that depend on the same index or currency.

The preparation of our tax returns requires the use of estimates and interpretations of complex tax laws and regulations and actualizda subject to review by taxing authorities. Industria textil-Estructuras temporales-Carpas -Seguridad. Investors may find it difficult to enforce civil liabilities against us or our directors, officers and controlling persons.

Other loans and receivables.

Our business strategy is to grow profitably while increasing the size of our loan portfolio. Borrowings from financial institutions. Additional Chilean restrictions applicable actuqlizada holders of our ADSs, the disposition of the shares underlying them or the repatriation of the proceeds from such disposition or the payment of dividends could be imposed in the future and we cannot advise you as to the duration or impact of such restrictions, if imposed.

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Certain developments could affect our ability to continue to satisfy the current capital adequacy requirements applicable to us, including: Operating and Financial Review and Prospects. In particular, as we are a non-U. Our Treasury specializes in financial management and is largely responsible for our funding and liquidity as well as management of any gap on our balance sheet.

Inflation and government measures to curb inflation could adversely affect our financial condition and results of operations. Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing: We cannot assure you that we will be able to meet all of the applicable regulatory requirements and guidelines, or that we will not be subject to other sanctions, fines, restrictions on our business or other penalties in the future as a result of non-compliance.


If such deterioration were to occur, it could materially and adversely affect our financial conditions and results of operations. If we are unable to successfully complete the integration into one platform, the integration process in Colombia could be adversely affected, which could adversely affect our financial condition, results of operations and liquidity.

Contar con el documento normativo armonizado con el documento internacional. 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.

Although we maintain a system of operational controls, there can be no assurances that operational problems or errors will not occur and that their occurrence will not have a material adverse effect on our business, financial condition and results of operations. Income from continuing operations. Puertas y cortinas cortafuego. Past due loans include all installments and lines of credit more than 90 days overdue, provided that the aggregate principal amount of such loans is not included.

The value of any collateral securing our loans may not be sufficient, and we may be unable to realize the full value of the collateral securing our loan portfolio. The legal restrictions on the exposure of Chilean pension funds may adversely affect our access to funding.

The following tables present our selected financial data as of the dates and for the periods indicated. These translations should not be construed as representations that such Chilean peso amounts actually represent such U. Specifically, we benefit from comparable lower banking penetration rates in terms of GDP per capita in Colombia.

Vocabulario aplicable al sistema producto leche. Chilean and Colombian authorities exercise influence on the Chilean and Colombian economies. In addition, as these factors evolve, the models we use to determine the appropriate level of allowance for loan losses require recalibration, which may lead to increased provision for loan losses. This could result in strikes or work stoppages, which could result in substantial losses.


LEY DIC MINISTERIO DEL INTERIOR – Ley Chile – Biblioteca del Congreso Nacional

Industria textil-No tejidos-Funda para mesa mayo hospitalaria-Especificaciones. We may experience operational problems, errors or misconduct.

Accordingly, the recoverability of these loans in particular, our ability to increase the amount of loans outstanding and our results of operations and financial condition in general, are dependent to a significant extent on the level of economic activity in Chile and Colombia. In addition, new demands on our existing organization, management and employees resulting from the integration of new acquisitions could disrupt our operations and adversely affect our business, financial condition and results of operations.

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.


Proyectos y temas inscritos a ser cancelados. Revisar notas aclaratorias de la Norma. Chile has different corporate disclosure and accounting standards than those you may be familiar with in the United States. Our New York Branch offers a wide range of credit operations and services to both Chilean and non-Chilean retail customers and large and medium-sized companies. The loss of key personnel for any reason, including retirement or our inability to timely attract and retain qualified management personnel to replace them, could have actualizaca material adverse effect on our business, financial condition and results of operations.

Our actuaizada management system may not be sufficient to avoid losses that could have a material adverse effect on our business, financial condition and results of operations.

The implementation of Law 20, as it increases the collective bargaining power of labor unions, may have adverse effects on our overall employment and operating costs and may increase the likelihood of business disruptions on our activities in Chile, which could negatively affect our financial condition and results of operations. We are subject to the tax laws and regulations of Chile and certain foreign countries.

In Chile, we face competition from banking and non-banking institutions with respect to the different products we offer.