LEY 18695 ACTUALIZADA PDF

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In addition, investors who purchase ADSs or common shares may be subject to dilution of their equity participation in us upon the completion of any future preemptive rights offering. The implementation of the peace agreement between the Colombian government and FARC will require the enactment of new laws and regulations, which may impact our activity in ways we cannot anticipate.

Normas vigentes a ser canceladas. Esto es porque son esencialmente diferentes tanto en el radio de curvatura que se aplica como en la cantidad de fibras que se somete a doblez.

We are subject to regulatory inspections, examinations and to the imposition of fines by regulatory authorities in Chile and in Colombia.

Our future growth will also depend on our access to internal and external financing sources. Focus on Building Customer Satisfaction. Time deposits and other term deposits are our primary sources of funding, which represented The Colombian government has established a cap on the fees banks can charge on withdrawals from ATMs outside their own networks. In addition, a cyber-attack, including any security breach caused by unauthorized access to information or systems, intentional malfunctions or loss or corruption of data, software, hardware or other computer equipment, could have a material adverse effect on our business, results of operations and financial condition.

Modificar las especificaciones de los mantos prefabricados impermeables. Additionally, along with the global trend to increase the use of technology for different financial services, new regulations may be issued by the Colombian government in order to facilitate the incorporation of these entities into the financial system.

Failure to meet contractual obligations by our counterparties could have a material adverse effect on our business, financial condition and results of operations.

Our corporate affairs are governed by our Estatutos Socialesor By-laws, and the laws of Chile.

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We may incur financial losses and damages to our reputation from environmental and social risks. The value of any collateral securing our loan portfolio may significantly fluctuate or decline due to factors beyond our control.

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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 actualizadq land to certain benefited populations and which properties are subject to be granted.

Perfiles de acero estructural.

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Our loan and investment portfolios are subject to risk of prepayment, which may result in reinvestment of assets on less profitable terms. Inthe Venezuelan government abruptly closed the Colombian-Venezuelan border which resulted in a substantial decrease actalizada trade between Colombia and Venezuela, representing in that year less than 0.

Through these initiatives, we will continue to strive to improve our efficiency ratio. If a substantial number of our depositors withdraw their demand deposits or do acrualizada roll over actuwlizada time deposits upon maturity, our liquidity position, results of operations and financial condition may be materially and adversely affected.

The corporate disclosure requirements applicable to us may not be equivalent to the requirements applicable to a U. Wholesale Banking serves large economic groups, state-owned and private companies, mining companies, utilities, energy, seaports, airports, public hospitals or any business.

This segment is served under branches. In certain instances, a discretionary proxy may vote our shares underlying the ADSs if a holder of ADSs does not instruct the depositary with respect to voting.

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

Se requiere modificar el documento a fin de disponer de una norma que sirva de referencia para comparar la calidad de los productos que se comercializan en territorio nacional. Percentage figures included in this Annual Report have in all cases not been calculated on the basis of such rounded figures but on actualziada basis of such amounts prior to rounding. Actively Pursue Cross-Selling Opportunities. The remaining financial loans are evaluated collectively in groups with similar credit risk characteristics.

We are organized under the actializada of Chile and our principal place of business domicilio social is in Santiago, Chile. A lack of liquidity in the markets may develop for our ADSs, which would negatively affect the ability of the holders to sell our ADSs or the price at which holders of our ADSs desire to sell them.

Inwe acquired Helm Bank S. Furthermore, a substantial number of our customers consist of individuals and small-to-medium-sized enterprises, or SMEs. Products and services we offer focus on the traditionally underserved low-to-middle income segments of the Chilean population, where the consumer loans represent the core of the business. A loan will be impaired if and only if, objective evidence of impairment exists as a result of one or more events that occurred after the initial recognition of the loan, actuxlizada such event or events have an impact on the estimated future cash flows of such loan that can be reliably estimated.

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In addition, the quality of our loan portfolio may also deteriorate due to various other reasons, including factors beyond our control, such as the macroeconomic factors affecting the Chilean or Colombian economies.

Checking accounts and demand deposits. Colombia has also experienced recent changes in applicable laws, regulations and policies, such as those regarding financial inclusion and consumer protection.

We conduct a majority of our business in Chile and a significant amount in Leyy. Colombia has experienced internal security issues that have had or could have in the future a negative effect on the Colombian economy. Large accelerated filer x. 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.

If for any reason, including changes in the Foreign Investment Agreement or Chilean law, the depositary is not able to convert Chilean pesos to U. Investors will not know the extent to which they will be diluted until the expiration of any future preemptive rights offering in Chile.

Our results of operations depend to a great extent on our net interest income. Also, a strengthening of cross-industry labor movements may result in increased employee or labor costs that could materially and adversely affect our business, financial condition or results of operations. Changes in accounting standards could impact reported earnings. This is the first high-income individuals segment in Chile with differentiated branches at ground floor to be access directly from the street, and additionally with differentiated mobile and web channels.

Normas Vigentes a ser canceladas. In addition to the products and services we provide to private banking customers, we offer tailored lending products designed to help keep their businesses growing.