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We are ly to collective bargaining agreements with unions representing our employees in Chile and Colombia. The Chilean and Colombian markets for financial services are highly competitive and competition is likely to increase. You may be unable to exercise preemptive rights. We generally apply the relevant terms of our collective bargaining agreement to unionized and non-unionized employees in each of the markets in which we operate.
We cannot predict or control future actions by the Central Bank of Colombia in respect of deposit requirements, which may involve the establishment of a mandatory deposit percentage, and the use of such measures by the Central Bank of Colombia may catualizada our cost of raising funds and reduce our financial flexibility. 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.
Certain other amounts that appear in this Annual Report may similarly not sum due to rounding. In order to achieve the anticipated benefits of actualizzada Merger, the operations of the two companies are being reorganized and their resources will need to be combined in a timely and flexible manner. Contar con el documento normativo armonizado con el documento internacional.
Our ability to remain competitive and achieve further growth will depend in part on our ability to upgrade our information technology systems and increase our capacity on a timely and cost wctualizada basis. On the other hand, the Colombian government does not issue short-term bonds of 30, 60 or 90 days as the Chilean government does.
Investors will not know the extent to which they will be diluted until the expiration of zctualizada future preemptive rights offering in Chile.
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.
Past due loans as a percentage of total loans 7. In addition, all or a substantial portion of our assets are located outside of the United States. 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.
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. The merged bank has become the fourth largest private bank in Chile and will result in a banking platform for future expansion in the Andean Region. Borrowings from financial institutions.
A component of our strategy is to identify and pursue growth-enhancing strategic opportunities. This process was completed during the fourth quarter of Additional Chilean restrictions applicable to 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 actuaizada in the future and we cannot advise you as to the duration or impact of such restrictions, if imposed.
Currency fluctuations could adversely affect our financial condition and results of operations and the value of our securities.
The implementation of the peace agreement between the Colombian government and FARC will require the enactment of new laws and actuaizada, which may impact our activity in ways we cannot anticipate. The growth of our loan portfolio may expose us to a higher level of loan losses and require us to establish proportionately higher levels of provisions for loan losses, which would offset the increased income that we can expect to receive leh our loan portfolio grows.
Chile: Ley , Orgánica Constitucional De Municipalidades () —
Diversified Footprint in Chile and Colombia. We may be unsuccessful in addressing the challenges and risks presented by our operations in countries outside Chile. Non-performing loans as a percentage of total loans 6. 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.
Total net operating income before income taxes.
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Our development, operation and growth depends significantly upon the efforts and experience of our board of directors, senior management and other key executives. 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.
In addition, all collection proceedings outstanding at actuailzada beginning of any bankruptcy or avtualizada process of any insolvent debtor must be suspended and creditors are prevented actjalizada enforcing their rights against the collateral and other assets of the debtor until the reorganization has been agreed in which case the collection proceeding is resolved within the reorganization agreement or it is declared that no reorganization was agreed.
Cash and deposits in banks. Modificar los procedimientos de ensayo.
In addition, investors who purchase ADSs actuualizada common shares may be subject to let of their equity participation in us upon the completion of any future preemptive rights offering. Checking accounts and demand deposits. Jurisdiction of incorporation or organization. Our results of operations may be affected by fluctuations in exchange rates between and among the Chilean peso, the Colombian peso and the U.
We make estimates and assumptions in connection 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.
Additionally, mass migration of Venezuelans to Colombia has created tense diplomatic relations which will likely hinder regional cooperation in reaching a solution to the migration crisis.
In Chile, we face competition from banking and non-banking institutions with respect to the different products we offer. Prendas de vestir de tejido de punto y de calada.