-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, P5wN5CqQAGlWuEoidMlWyqtTTOfEfyJc+nSK9LwwGtiKqNpRkF2GO04gHiUkh4km yI/KZAtebJh0UK0LdQPrjw== 0001193125-10-030533.txt : 20100212 0001193125-10-030533.hdr.sgml : 20100212 20100212153836 ACCESSION NUMBER: 0001193125-10-030533 CONFORMED SUBMISSION TYPE: 6-K PUBLIC DOCUMENT COUNT: 7 CONFORMED PERIOD OF REPORT: 20100212 FILED AS OF DATE: 20100212 DATE AS OF CHANGE: 20100212 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CORPBANCA/FI CENTRAL INDEX KEY: 0001276671 STANDARD INDUSTRIAL CLASSIFICATION: COMMERCIAL BANKS, NEC [6029] IRS NUMBER: 000000000 STATE OF INCORPORATION: F3 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 6-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-32305 FILM NUMBER: 10598778 BUSINESS ADDRESS: STREET 1: HUERFANOS 1072 CITY: SANTIAGO CHILE STATE: F3 ZIP: 00000 BUSINESS PHONE: 56 (2) 687-8000 MAIL ADDRESS: STREET 1: HUERFANOS 1072 CITY: SANTIAGO CHILE STATE: F3 ZIP: 00000 6-K 1 d6k.htm FORM 6-K Form 6-K

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 6-K

 

 

REPORT OF FOREIGN ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 OF THE

SECURITIES EXCHANGE ACT OF 1934

For the month of February 2010

(Commission File No. 001-32305)

 

 

CORPBANCA

(Translation of registrant’s name into English)

 

 

Rosario Norte 660

Las Condes

Santiago, Chile

(Address of registrant’s principal executive office)

 

 

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.     Form 20-F  x    Form 40-F  ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101 (b) (1):    Yes  ¨    No  x

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101 (b) (7):    Yes  ¨    No  x

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.    Yes  ¨    No  x

 

 

 


On February 9, 2010, CorpBanca published a notice in the Chilean newspaper Diario Financiero announcing its year-end 2009 results. An unofficial English translation of the notice is attached hereto as Exhibit 99.1

On February 9, 2010, CorpBanca published a notice in the Chilean newspaper La Tercera announcing its Ordinary General Shareholders’ Meeting to be held on February 25, 2010. An unofficial English translation of the notice is attached hereto as Exhibit 99.2.

On February 10, 2010, CorpBanca issued a press release announcing its year-end and fourth quarter 2009 results. The press release is attached hereto as Exhibit 99.3.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized.

 

CORPBANCA

(Registrant)

By:  

/S/    MARIO CHAMORRO        

Name:   Mario Chamorro
Title:   Chief Executive Officer

Date: February 12, 2010


EXHIBIT INDEX

 

Exhibit

  

Description

99.1    Unofficial English language translation of CorpBanca’s notice in the Chilean newspaper Diario Financiero on February 9, 2010, announcing its year-end 2009 results.
99.2    Unofficial English language translation of CorpBanca’s notice in the Chilean newspaper La Tercera on February 9, 2010, announcing its Ordinary General Shareholders’ Meeting to be held on February 25, 2010.
99.3    Press release announcing CorpBanca’s year-end and fourth quarter 2009 results.
EX-99.1 2 dex991.htm UNOFFICIAL ENGLISH LANGUAGE TRANSLATION OF CORPBANCA'S NOTICE Unofficial English language translation of CorpBanca's Notice

Exhibit 99.1

LOGO

CORPBANCA AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS (UNAUDITED)

FOR THE YEARS ENDED DECEMBER 31, 2009 AND 2008

(millions of Chilean pesos – MCh$)

 

     Notes    31/12/2009     31/12/2008     1/1/2008  
          (MCh$)     (MCh$)     (MCh$)  

Assets

         

Cash and due from banks

   5    110,331      81,326      68,706   

Items in course of collection

   5    95,796      117,703      53,453   

Trading portfolio financial assets

   6    76,156      85,105      152,847   

Investments purchased under agreements to resell

   7    51,970      50,514      55,438   

Derivative financial instruments

   8    126,140      209,482      34,055   

Loans and receivables to banks

   9    86,220      37,671      82,708   

Loans and receivables to customers

   10    4,915,706      4,881,790      3,900,207   

Financial investments available-for-sale

   11    737,162      576,478      41,366   

Financial investments held-to-maturity

   11    —        —        —     

Investments in other companies

   12    3,583      3,699      3,699   

Intangibles

   13    13,630      12,252      13,916   

Fixed assets

   14    55,212      51,231      47,588   

Current income tax provision

   15    —        6,488      5,554   

Deferred income taxes

   15    19,841      13,354      12,064   

Other assets

   16    87,712      76,886      59,018   
                     

Total assets

      6,379,459      6,203,979      4,530,619   

Liabilities

         

Current accounts and demand deposits

   17    496,270      357,902      337,099   

Items in course of collection

   5    64,854      86,176      23,305   

Investments sold under agreements to resell

   7    465,513      351,471      100,078   

Time deposits and saving accounts

   17    3,316,045      3,350,742      2,410,769   

Derivative financial instruments

   8    114,703      195,608      34,237   

Borrowings from financial institutions

   18    362,403      492,606      358,582   

Debt issued

   19    935,219      765,172      702,426   

Other financial obligations

   19    26,853      47,394      29,850   

Current income tax provision

   15    7,831      —        —     

Deferred income taxes

   15    15,644      10,606      10,049   

Provisions

   20    53,118      33,204      30,953   

Other liabilities

   21    17,471      18,552      15,387   
                     

Total liabilities

      5,875,924      5,709,433      4,052,735   

Shareholders’ Equity:

         

Capital

      326,038      324,039      314,398   

Reserves

      25,054      (2,178   24,651   

Valuation gains (losses)

      (6,557   1,018      (2

Retained earnings:

      159,000      171,667      138,837   

Retained earnings from previous periods

      116,445      113,312      164,361   

Income for the period

      85,109      86,510      —     

Less: Accrual for mandatory dividends

      (42,554   (28,155   (25,524
                     
      503,535      494,546      477,884   

Minority Interest

      —        —        —     
                     

Total Shareholders’ Equity

      503,535      494,546      477,884   
                     

Total liabilities and shareholders’ equity

      6,379,459      6,203,979      4,530,619   


CORPBANCA AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

FOR THE YEARS ENDED DECEMBER 31, 2009 AND 2008

(millions of Chilean pesos - MCh$)

 

     Notes    31/12/2009     31/12/2008  
          (MCh$)     (MCh$)  

Interest revenue and adjustments

   24    314,115      560,893   

Interest expense and adjustments

   24    (120,727   (346,717
               

Net interest revenue and adjustments

      193,388      214,176   

Fees and income from services

   25    53,128      54,885   

Expenses from services

   25    (9,867   (12,813
               

Fees and income from services, net

      43,261      42,052   

Trading and investment income, net

   26    4,563      54,997   

Foreign exchange gains (losses), net

   27    49,635      (42,887

Other operating revenue

   32    5,087      7,833   
               

Operating revenues

      295,934      276,171   

Provisions for loan losses

   28    (68,855   (54,996
               

Net operating revenues

      227,079      221,175   

Personnel salaries expenses

   29    (65,733   (57,716

Administration expenses

   30    (44,592   (54,651

Depreciation and amortization

   31    (6,310   (6.832

Impairment

   31    (144   (59

Other operating expenses

   32    (9,609   (6,810
               

Total operating expenses

      (126,388   (126,068
               

Net operating income

      100,691      95,107   

Income attributable to investments in other companies

   12    445      262   
               

Income before income taxes

      101,136      95,369   

Income taxes

   15    (16,027   (8,859
               

Net income

      85,109      86,510   

Attributable to:

       

Equity holders of the Bank

      85,109      86,510   

Minority interest

      —        —     

Earnings per share attributable to equity holders of the Bank (in Chilean pesos)

       

Basic earnings per share

   23    0.385      0.382   

Diluted earnings per share

   23    0.385      0.382   

 

Jaime Del Solar Honorato

Manager – Accounting

  

Mario Chamorro Carrizo

Chief Executive Officer


BOARD OF DIRECTORS:  
Chairman   Mr. Álvaro Saieh Bendeck
First Vice Chairman   Mr. Jorge Andrés Saieh Guzmán
Second Vice Chairman   Mr. Fernando Massú Tare
Directors   Mr. Fernando Aguad Dagach
  Mr. Julio Barriga Silva
  Mr. Brian O’Neill
  Mr. Segismund Schulin-Zeuthen Serrano
  Mr. Jorge Selume Zaror
  Mr. Hernán Somerville Senn
Alternate Directors   Mr. Héctor Valdéz Ruiz
  Mr. Juan Rafael Gutiérrez Ávila
SENIOR MANAGEMENT:  
Chief Executive Officer   Mr. Mario Chamorro Carrizo
Division Manager - Retail Banking   Mr. Cristóbal Prado Fernández
Division Manager - Companies   Mr. Oscar Cerda Urrutia
Division Manager - Large Companies and Corporate   Mr. José Francisco Sánchez Figueroa
Division Manager - Banco Condell   Mr. Julio Henriquez Banto
Division Manager - International and Treasury   Mr. Pedro Silva Yrarrázaval
Division Manager - Operations and Technology   Mr. Armando Ariño Joiro
Division Manager - Planning and Control   Mr. Sergio Benavente Riobó
Division Manager - Human Resources and Development   Ms. Veronica Villarroel Molina
Division Manager - Legal Services   Mr. Cristián Canales Palacios
Division Manager - Commercial Credit Risk   Mr. Luis Morales Fernández
Division Manager - Companies Credit Risk   Mr. Fernando Valdivieso Larraín
Comptroller Manager (I)   Mr. José Manuel Mena Valencia

Additional Information

The complete financial statements, with their respective notes and the corresponding independent auditor’s report, are available on the website: www.corpbanca.cl and also at the institution’s offices.

EX-99.2 3 dex992.htm UNOFFICIAL ENGLISH LANGUAGE TRANSLATION OF CORPBANCA'S NOTICE Unofficial English language translation of CorpBanca's Notice

Exhibit 99.2

 

  LOGO   

ORDINARY SHAREHOLDERS’ MEETING

CORPBANCA

By order of the Board of Directors, an Ordinary Shareholders’ Meeting will be held on February 25, 2010, at 10:00 a.m., at the offices of the Bank located at Rosario Norte 660, 24th floor, Las Condes, Santiago, for the purpose of submitting to the shareholders’ consideration those matters of their competence, and specially, the following:

 

1. Approval of the Annual Report, Financial Statements and notes thereto and report of the external auditors, regarding the fiscal year beginning January 1 and ended December 31, 2009.

 

2. Appointment of external auditors for fiscal year 2010.

 

3. Establishment and approval of the compensation of the Board of Directors.

 

4. Presentation on operations covered by Article 146 of Law Nº18,046.

 

5. Determination of the Board proposal to distribute 100% of the net income for the year ended December 31, 2009, which amounted to Ch$85,108,675,320, which would be distributed as a dividend among the holders of the aggregate amount of shares of CorpBanca equal to 226,909,290,577 shares, which will be reduced by the number of shares not sold at the termination of the second preferred offering period previously disclosed, wherein 66,459,481 shares were offered. If approved, the dividend will be paid at the end of the Shareholder’s Meeting to those shareholders of record listed in the Shareholder’s Registry five business days prior the payment date.

 

6. As a result of the recent financial reporting changes due to the implementation of International Financial Accounting Standards (IFRS) in Chile, determination of the dividend policy proposed by the Board on maintaining the distribution of at least 50% of each fiscal year net income, calculated as total net income for the period (discounting an amount, prior to the application of IFRS, for currency correction) less an amount which maintains capital and reserves constant in real terms.

 

7. Determination of the compensation and budget of the Directors Committee and report on its activities.

 

8. Determination of the compensation and budget of the Audit Committee and report on its activities.

 

9. Determination on the newspaper for legal publications.

Pursuant to Article 49 N°12 of the General Banking Law, it is hereby announced that the Balance Sheet and Statement of Income for the fiscal year 2009, were published in the Diario Financiero on February 9, 2010, and are available at www.bancocorpbanca.cl.

The Annual Report, Financial Statements and notes thereto and report of the external auditors, regarding the fiscal year beginning January 1 and ended December 31, 2009 are also available on CorpBanca’s website.

Chairman of the Board

PARTICIPANTS

Only the holders of CorpBanca shares who are record shareholders in the Bank’s Shareholders’ Registry as of the fifth business day prior to the scheduled date of the Shareholder’s Meeting will be allowed to attend the meeting.


ACCREDITATION OF PROXIES

The accreditation of proxies will take place on the date of the Shareholder’s Meeting between 8:45 and 10:00 a.m.

Chief Executive Officer

EX-99.3 4 dex993.htm PRESS RELEASE Press release

Exhibit 99.3

LOGO

CORPBANCA ANNOUNCES FOURTH QUARTER 2009 RESULTS

Santiago, Chile, February 10, 2010 CORPBANCA (NYSE: BCA), a Chilean financial institution offering a wide variety of corporate and retail financial products and services, today announced its financial results for the fourth quarter ended December 31, 2009. This report is based on unaudited consolidated financial statements and prepared in accordance with Chilean generally accepted accounting principles. Solely for the convenience of the reader, U.S. dollar amounts in this report have been translated from Chilean nominal pesos at our December 31, 2009 exchange rate of Ch$507,52 per U.S. dollar.

Financial highlights

 

 

   

Net income for the fourth quarter of 2009 reached Ch$26.2 billion, an increase of Ch$2 billion when compared to the prior quarter.

 

   

Provision for loan losses during 4Q09 amounted to Ch$11.3 billion, a decrease of Ch$7.8 billion when compared to the prior quarter.

 

   

Total operating expenses increased 25% when compared to the prior quarter.

 

   

Financial investments totalled Ch$813,3 billion as of December 31, 2009, representing a quarter-on-quarter increase of 40%.


Press Release

February 10, 2010

Page 2 / 12

 

Management’s Discussion and Analysis

I) Financial Performance Review

Net income for the fourth quarter of 2009 was Ch$26.2 billion, an increase of 8.3% when compared to Ch$24.2 billion for the third quarter of 2009. Total operating revenues reached Ch$76.9 billion, an increase of 1.9% when compared to Ch$75.4 billion for the third quarter of 2009, while provisions for loan losses decreased by Ch$7.8 billion, a decrease of 41% when compared to Ch$19.1 billion for the third quarter of 2009.

Our condensed income statement for the three-month periods ending September 30 and December 31, 2009 and for the years ended December 31, 2008 and 2009, expressed in millions of Chilean nominal pesos, is as follows:

 

     For three month period ended     For the year ended  
     Sep - 09     Dec - 09     Change     2008     2009     Change  

Net interest revenue

   52,477      59,247      6,770      212,985      193,388      (19,597

Fees and Income from services net

   9,631      12,253      2,622      42,052      43,261      1,209   

Treasury Business

   11,812      4,694      (7,118   12,110      54,198      42,088   

Other revenue

   1,530      752      (778   7,833      5,087      (2,746

Total operating revenue

   75,450      76,946      1,496      274,980      295,934      20,954   

Provision for loan losses

   (19,171   (11,316   7,855      (54,561   (68,855   (14,294

Operating expenses

   (27,718   (34,633   (6,915   (120,006   (126,388   (6,382

Income attributable to inv in other comp.

   319      11      (308   418      445      27   

Net Income before taxes

   28,880      31,008      2,128      67,177      101,136      33,959   

Income taxes

   (4,361   (4,742   (381   (10,867   (16,027   (5,160

Net Income

   24,249      26,266      2,017      56,310      85,109      28,799   

Net interest revenues

Net interest revenues increased quarter-on-quarter by Ch$6.77 billion or 12.9% when compared to the prior quarter. This increase in net revenues was mainly due to our balance sheet structure, which is short in pesos and foreign currency (mainly US dollars) and long in UF. The UF is revalued in monthly cycles according to the inflation rate of the previous month. During the fourth quarter the UF was up 0.5%, reflecting the period of low inflation the Chilean economy was experiencing.

Compared year over year, net interest revenues decreased by 9%, because of the same reason that the annual inflation rate was negative. The UF decreased 2.4% during the year.

Gross interest revenues decreased from Ch$559.7 billion during 2008 to Ch$314.1 billion in 2009. Approximately 60% of the decrease year over year is a result of the decrease of the UF during 2009.


Press Release

February 10, 2010

Page 3 / 12

 

Fees and income from services

Net fees and income from services for the fourth quarter amounted to Ch$12.2 billion, a Ch$2.6 billion increase when compared to the prior quarter. The following table is a summary of our fees and income from services for the three-month periods ended September 30 and December 31, 2009 and for the years ended December 31, 2008 and 2009, expressed in millions of Chilean nominal pesos:

 

     For three month period ended     For the year ended  
     Sep - 09    Dec - 09    Change     2008    2009    Change  

Bank(*)

   5,108    6,706    1,598      26,181    25,129    (1,052

Mutual Fund Management and Securities Brokerage Services

   2,151    2,519    368      6,819    8,102    1,283   

Insurance Brokerage

   1,785    1,776    (9   6,599    6,860    261   

Financial Advisory Services

   270    804    534      1,120    1,940    820   

Legal Advisory Services

   317    448    131      1,331    1,230    (101

Total

   9,631    12,253    2,622      42,050    43,261    1,211   

 

(*) includes consolidation adjustments

The increase of Ch$1.5 billion in fee revenues from banking operations during the fourth quarter as compared to the prior quarter was mainly a result of higher checking accounts fees and other fees for services rendered.

Fee based revenue from our mutual fund management area increased Ch$1,598 millions during the last quarter or 19% year over year. Our securities brokerage areas remained relatively unchanged.

Our financial advisory services, which provide a broad range of financial advisory services to a variety of corporations, including those related to debt restructuring, mergers and acquisitions, privatizations and company valuation, increased Ch$534 million during the last quarter, or 41%, and an increase of Ch$820 million or 73% year over year.

Our legal advisory services area created on January 2007, and whose principal mission is to provide legal advisory services related to our businesses increased 41% last quarter, but decreased 7.5% year over year.

Trading and investment income – Net Foreign exchange gains and losses

Trading and investment income primarily includes the results from our trading portfolio financial assets (interest, marked-to-market adjustments, gains and losses from sales), gains and losses from our derivative trading portfolio, and gains and losses from sales financial investments available-for-sale.

Net foreign exchange gains and losses include both the results of foreign exchange transactions as well as the recognition of the effect of exchange rate fluctuations on assets and liabilities stated in foreign currencies and loans and deposits in Chilean pesos indexed to foreign currencies. Derivatives and financial instruments that may provide effective economic hedges for managing risk positions are generally treated and reported as trading.

The following table is a summary of our trading and investment income and net foreign exchange gains and losses for the three-month periods ending September 30 and December 31, 2009 and for the years ended December 31, 2008 and 2009, expressed in millions of Chilean nominal pesos:

 

     For three month period ended     For the year ended  
     Sep - 09     Dec - 09     Change     2008     2009     Change  

Trading and investment income:

            

Trading instruments

   2,267      (44   (2,311   2,598      2,612      14   

Derivatives held-for-trading

   9,887      (10,584   (20,471   48,954      (26,123   (75,077

Available-for-sale investments and other

   3,860      (3,245   (7,105   3,065      27,020      23,955   

Total trading and investment income

   16,014      (13,875   (29,889   54,997      4,563      (50,434

Net foreign exchange transactions

   (4,202   18,569      22,771      (42,887   49,635      92,522   

Net gains (losses) from treasury business

   11,812      4,694      (7,118   12,110      54,198      42,088   


Press Release

February 10, 2010

Page 4 / 12

 

Total income from our treasury business during the fourth quarter of 2009 decreased by Ch$7.1 billion when compared to the prior quarter. This decrease is explained by lower income from our trading and investment portfolio, which was partially offset by gains in our foreign exchange transactions. This is mainly as a result of the change in the exchange rate from CH$551.21 to CH$507.52.

The financial investments available-for-sale decreased because of an increase in the interest rate.

Provision for loan losses

The following table provides information relating to the composition of our provisions for loan losses for the three-month periods ending September 30 and December 31, 2009 and for the years ended December 31, 2008 and 2009, expressed in millions of Chilean nominal pesos:

 

      For three month period ended     For the year ended  
     Sep - 09     Dec - 09     Change     2008     2009     Change  

Comercial, net

   (10,430   (2,957   7,473      (12,892   (29,238   (16,346

Mortgage, net

   (693   (255   438      (3,084   (1,861   1,223   

Consumer, net

   (8,048   (8,104   (56   (38,586   (37,756   830   

Net charge to income

   (19,171   (11,316   7,855      (54,561   (68,855   (14,294

Our provision for loan losses during the fourth quarter of 2009 was Ch$11.3 billion, a decrease of Ch$7.85 billion when compared to the prior quarter.

Last quarter provisions for loan losses from commercial loans was increased because of a change in risk classification of certain corporate customers related to the Chilean salmon industry crisis. During the fourth quarter there were no big issues like this one, so the provisions for loan losses decreased. If we consider the year over year difference, the salmon crisis explains an important part of the increase of provision for loan losses.

Operating expenses

The following table provides comparative information relating to our operating expenses for the three-month periods ending September 30 and December 31, 2009 and for the years ended December 31, 2008 and 2009, expressed in millions of Chilean nominal pesos:

 

     For three month period ended    For the year ended  
     Sep - 09    Dec - 09    Change    2008    2009    Change  

Personnel salaries expenses

   15,417    18,277    2,860    57,716    65,733    8,017   

Administrative and other expenses

   9,647    11,719    2,072    50,511    44,592    (5,919

Depreciation, amortization and impairment

   1,615    1,677    62    4,916    6,310    1,394   

Other operating expenses

   1,039    2,960    1,921    6,863    9,753    2,890   

Total operating expenses

   27,718    34,633    6,915    120,006    126,388    6,382   

Our total operating expenses increased during the fourth quarter of 2009 by 24.9% when compared to the last quarter. Personnel salaries expenses increased by Ch$2.8 billion pesos, or 18.5% quarter-on-quarter while administrative and other expenses increased by Ch$2.1 billion, or 21.4% quarter-on-quarter. The increase in personnel salaries expenses is related to an increase in compensation


Press Release

February 10, 2010

Page 5 / 12

 

payments and bonuses. In addition, the opening of our branch in New York in May 2009 contributed to the increase in personnel salaries expenses year over year.

As part of our strategy, we continue to maintain our efficiency leadership through our cost control culture and our state of the art technology. Our consolidated efficiency ratio (operating expenses / operating revenues) for the 3Q09 and 4Q09 was 36.7% and 45% respectively.

II) Financial Condition

Loan portfolio

Our total loan portfolio (excluding loans and receivables to banks) totalled Ch$ 5,001 billion as of December 31, 2009, representing an increase of 7% when compared to the prior quarter.

The following table provides comparative information related to our loan portfolio for December 31, 2008 and September 30 and December 31, 2009, expressed in millions of Chilean nominal pesos:

 

     Dec -08    Sep - 09    Dec - 09    Quartely
Change
    Annual
Change
 

Wholesale

   3,756,997    3,494,199    3,776,871    282,672      19,875   

Comercial

   2,910,514    2,863,877    3,193,990    330,113      283,476   

Foreign trade

   467,135    283,444    233,477    (49,967   (233,658

Leasing and Factoring

   379,347    346,878    349,405    2,527      (29,943

Retail

   1,187,186    1,202,565    1,234,784    32,219      47,598   

Consumer

   495,565    439,448    428,049    (11,399   (67,515

Housing mortgages

   691,622    763,117    806,735    43,618      115,113   

Total loans

   4,944,183    4,696,764    5,011,656    314,892      67,473   

On a quarter-on-quarter basis our wholesale portfolio increased by 8%. This increase is primarily a result of Commercial operations, which increased from Ch$2,864 billion to Ch$3,194 billion, due to a bigger effort to end the year with a higher market share. But year over year this increase is offset by the decrease of foreign trade because of the appreciation of the Chilean Peso.

The quarter-on-quarter growth in retail loans was due to mortgage loans and partially offset by a decrease in our consumer loan portfolio.

Housing mortgages loans for the fourth quarter of 2009 were Ch$806.7 billion, a 5.7% increase when compared to the Ch$763.1 billion of the third quarter of 2009. This increase is principally a result of better economic conditions, including low interest rates.

Financial investments

Our financial investments totalled Ch$813,3 billion as of December 31, 2009, representing an increase of 40.1% quarter-on-quarter.

The following table provides comparative summary of our investment portfolio for the periods ended September 30 and December 31, 2009, expressed in millions of Chilean nominal pesos:

 

     Dec - 08    Sep - 09    Dec - 09    Quartely
Change
    Annual
Change
 

Trading portfolio financials assets

   85,105    105,498    76,156    (29,342   (8,949

Financial investments available-for-sale

   576,478    474,881    737,162    262,281      160,684   

Financial investments held-to-maturity

      —      —      —        —     

Total financial investments

   661,583    580,379    813,318    232,939      151,735   


Press Release

February 10, 2010

Page 6 / 12

 

Our investment portfolio consists of trading and available-for-sale assets. Trading instruments correspond to financial instruments acquired to generate gains from short-term price fluctuations, brokerage margins, or that are included in a portfolio with a pattern of gaining profit in the short-term Trading instruments are stated at fair value.

Investment instruments are classified in two categories: held-to-maturity investments and instruments available-for-sale. Held-to-maturity investments include only those instruments which the Bank has the capacity and intent to hold until maturity. We currently do not have held-to-maturity investment. All other investment instruments are considered available-for-sale. Investment instruments are initially recognized at cost, which includes transaction costs. Instruments available-for-sale at each subsequent period-end are valued at their fair value according to market prices or based on valuation models. Unrealized gains or losses arising from changes in the fair value are charged or credited to equity accounts.

The quarter-on-quarter the 40% increase was principally a result of higher inflows from bonds issued during the fourth quarter (for more information se section III Other related information, “Subordinated Bonds”).

Funding strategy

The International and Treasury Division is responsible for providing liquidity, determining the financing structure, managing the investment portfolio and foreign currency positions.

The following table summarizes our funding as of December 31, 2008 and September 30 and December 31, 2009, in millions of Chilean nominal pesos:

 

     Dec - 08    Sep - 09    Dec - 09    Quartely
Change
    Annual
Change
 

Checking accounts

   259,454    286,147    328,078    41,931      68,624   

Other non-interest bearing deposits

   25,988    131,695    168,191    36,496      142,203   

Time deposits and savings accounts

   3,355,393    3,034,290    3,316,045    281,755      (39,348

Repurchase agreements

   307,300    290,469    465,514    175,045      158,214   

Mortgages bonds

   331,658    286,653    271,430    (15,223   (60,228

Banking bonds

   324,662    312,748    410,473    97,725      85,811   

Subordinated bonds

   108,992    151,365    253,316    101,951      144,324   

Domestic borrowings

   59,204    161,270    1,300    (159,970   (57,904

Foreign borrowings

   433,401    369,019    357,094    (11,925   (76,307

Our current funding strategy is to continue to utilize all sources of funding in accordance with their costs, their availability and our general asset and liability management strategy. As a result, during the fourth quarter our funding strategy was mainly driven by increasing our foreign borrowings through bonds and subordinated bonds.

The increase in total loans explains the increase of the top three items of the chart.

Shareholders’ Equity

We have 222,662,374.3 thousand shares outstanding and a market capitalization of Ch$912.9 billion (based on a share price of Ch$4.1 pesos per share). During the first quarter of 2009, we paid dividends totalling 100% of 2008 net income.


Press Release

February 10, 2010

Page 7 / 12

 

III) Other Related Information

Corpbanca N° 4

Corpbanca ended the year as the 4th biggest private bank in total loans (excluding loans and receivables to banks). To achieve this successful place, it was very important the effort made during the fourth quarter. Hard work, continue follow up of the results and focusing on the client to give the best service, were the keys to accomplish this achievement.

The following graph demonstrates that Corpbanca total loans market share increased from 6.98% to 7.27% in the last quarter, leaving the Bank in 4th place of private banks, above BBVA.

LOGO

Subordinated bonds

In the 4th quarter Corpbanca issued UF 4,700,000 in subordinated bonds. After this action the bank raised the volume of loans because the new inflows helped the improvement of the Basel Index at a low cost

During the first half of 2009, Corpbanca issued UF 2,330,000 in subordinated bonds. On July 28th, we placed another U.F. 3,000,000 in subordinated bonds due on August 1, 2033. Those bonds were sold on the Santiago Stock Exchange. The proceeds were used to finance our normal business activities and improve our balance sheet structure.


Press Release

February 10, 2010

Page 8 / 12

 

CorpBanca’s Conference Call on Fourth Quarter 2009 Results

You are invited to participate in CorpBanca’s (NYSE: BCA, Santiago: CORPBANCA) conference call to discuss the Fourth Quarter 2009 Results and respond to investor questions.

Date and Time:            To be confirmed in a separated press release

Chairperson:        Mr, Sergio Benavente, Chief Financial Officer

Slides and audio webcast:

There will also be a live -and then archived- webcast of the conference call with PowerPoint slides through the internet accessible through the website of Capital Link at www.capitallink.com, Please click on the button FOURTH QUARTER 2009 FINANCIAL RESULTS WEBCAST, The webcast will also be available on the company’s website at www.corpbanca.cl, Participants to the live webcast should register on the website approximately 10 minutes prior to the start of the webcast.


Press Release

February 10, 2010

Page 9 / 12

 

Consolidated Statements of Income (unaudited)

 

 

     For the three months ended     For the year ended  
(Expressed in millions of Chilean pesos)    Sep-09     Dic-09     Dic-08     Dic-09  

OPERATING INCOME

        

Interest revenue

   74,517      87,848      559,702      314,115   

Interest expense

   (22,040   (28,601   (346,717   (120,727

Net interest revenue

   52,477      59,247      212,985      193,388   

Fees and income from services, net

   9,631      12,253      42,052      43,261   

Trading and investment income, net

   16,014      (13,875   54,997      4,563   

Foreign exchange gains (losses), net

   (4,202   18,569      (42,887   49,635   

Other operating revenue

   1,530      752      7,833      5,087   

Operating revenues

   75,450      76,946      274,980      295,934   
         —     

Provisions for loan losses

   (19,171   (11,316   (54,561   (68,855
         —     

Net operating revenues

   56,279      65,630      220,419      227,079   
         —     

Personnel salaries and expenses

   (15,417   (18,277   (57,716   (65,733

Administration expenses

   (9,647   (11,719   (50,511   (44,592

Depreciation, amortization and impairment

   (1,615   (1,677   (4,916   (6,310

Other operating expenses

   (1,039   (2,960   (6,863   (9,753
         —     

Net operating income

   28,561      30,997      100,413      100,691   
         —     

Income attributable to investments in other companies

   319      11      418      445   

Net loss from price-level restatement

   1      1      (33,654   3   
         —     

Income before income taxes

   28,880      31,009      67,177      101,136   

Income taxes

   (4,631   (4,742   (10,867   (16,027

Income for the period

   24,249      26,267      56,310      85,109   


Press Release

February 10, 2010

Page 10 / 12

 

Consolidated Balance Sheets (unaudited)

 

 

 

(Expressed in millions of Chilean pesos)    Dec 08     Sept 09     Dec 09  

Assets

      

Cash and due from banks

   81,326      139,915      110,331   

Items in course of collection

   117,703      189,735      95,796   

Trading portfolio financial assets

   85,105      105,498      76,156   

Financial investments available-for-sale

   576,478      474,881      737,162   

Financial investments held-to-maturity

   —        —        —     

Investments purchased under agreements to resell

   50,514      37,964      51,970   

Derivative financial instruments

   209,482      94,836      126,140   

Loans and receivables to banks

   37,671      19,283      86,220   

Loans and receivables to customers

   4,944,183      4,696,764      5,011,656   

Allowance for loan losses

   (72,308   (94,940   (95,950
                  

Loans and receivables to customers, net

   4,871,875      4,601,824      4,915,706   

Investments in other companies

   2,213      3,583      3,583   

Intangibles

   2,861      13,408      13,630   

Premises and equipment, net

   38,820      54,571      55,212   

Income tax provision - current

   6,533      165      —     

Deferred income taxes

   13,468      17,878      19,841   

Other assets

   97,680      76,346      87,712   

Total Assets

   6,191,729      5,829,887      6,379,459   

Liabilities:

      

Deposits and other sight liabilities

   357,902      417,842      496,270   

Items in course of collection

   86,176      156,969      64,854   

Securities sold under agreements to resell

   351,471      290,469      465,513   

Deposits and other term liabilities

   3,350,742      3,034,290      3,316,045   

Derivative financial instruments

   195,608      83,718      114,703   

Borrowings from financial institutions

   492,606      503,704      362,403   

Debt instruments

   765,172      750,766      935,219   

Other financial obligations

   47,394      26,585      26,853   

Income tax provision - current

   45      2,674      7,831   

Deferred income taxes

   9,550      16,845      15,644   

Provisions

   33,204      38,506      53,118   

Other liabilities

   18,552      15,454      17,471   

Total Liabilities

   5,708,422,0      5,337,822,0      5,875,924,0   

Shareholders’ equity:

      

Capital

   324,039      324,039      326,038   

Reserves

   2,917      14,156      25,054   

Valuation gains (losses)

   1,018      (2,729   (6,557

Retained earnings:

      

Retained earnings from prior years

   127,178      127,178      116,445   

Profit for the period

   56,310      58,843      85,109   

Less: Accrual for mandatory dividends

   (28,155   (29,422   (42,554

Minority Interest

     —        3,0   

Total Shareholders’ Equity

   483,307      492,065      503,538   

Total equity and liabilities

   6,191,729      5,829,887      6,379,462   


Press Release

February 10, 2010

Page 11 / 12

 

Selected Performance Ratios (unaudited)

 

 

 

     As of or for the three month
period ended
    For the year ended  
     Sep-09     Dic-09     2008     2009  

Solvency indicators

        

Basle index(5)

   12.53   13.92   10.83   13.92

Shareholders’ equity / total assets

   8.44   7.89   7.81   7.89

Shareholders’ equity / total liabilities

   9.22   8.57   8.47   8.57

Credit quality ratios

        

Risk index (Allowances / total loans )

   2.02   1.91   1.46   1.91

Provisions for loan losses / Total loans(1)

   1.63   0.90   1.10   1.37

Provisions for loan losses / Total assets(1)

   1.32   0.71   0.9   1.1

Provisions for loan losses / Gross operating income

   25.4   14.7   19.8   23.3

Provisions for loan losses / Net income

   79.1   43.1   96.9   80.9

Profitability ratios

        

Net interest revenue / Interest-earning assets(1)(2)

   4.01   4.03   3.80   3.28

Gross operating income / Total assets(1)

   5.18   4.82   4.44   4.64

Gross operating income / Interest-earning assets(1)(2)

   5.77   5.23   4.90   5.03

ROA (before taxes), over total assets(1)

   1.98   1.94   1.08   1.59

ROA (before taxes), over interest-earning assets(1)(2)

   2.21   2.11   1.2   1.7

ROE (before taxes)(1)

   23.5   24.6   13.90   20.09

ROA, over total assets(1)

   1.66   1.65   0.91   1.33

ROA, over interest-earning assets(1)(2)

   1.86   1.78   1.00   1.45

ROE(1)

   19.71   20.87   12.37   18.46

Efficiency ratios

        

Operating expenses / Total assets(1)

   1.90   2.17   1.94   1.98

Operating expenses/ Total loans(1)

   2.36   2.76   2.4   2.5

Operating expenses / Operating revenues

   36.7   45.0   43.6   42.7

Earnings

        

Diluted Earnings per share before taxes (Chilean pesos per share)

   0.1305      0.1402      0.3036      0.4542   

Diluted Earnings per ADR before taxes (U.S. dollars per ADR)

   1.1155      1.1976      2.3817      4.4750   

Diluted Earnings per share (Chilean pesos per share)

   0.1096      0.1187      0.2545      0.3822   

Diluted Earnings per ADR (U.S. dollars per ADR)

   0.9366      1.0145      1.9965      3.7658   

Total Shares Outstanding (Thousands)(4)

   221,236,558.3      222,662,374.3      221,236,558.3      222,662,374.3   

Peso exchange rate for US$1

   551.21      507.52      637.44      507.52   


Press Release

February 10, 2010

Page 12 / 12

 

CAUTION REGARDING FORWARD-LOOKING STATEMENTS

 

 

This press release contains forward-looking statements, Forward-looking information is often, but not always, identified by the use of words such as “anticipate”, “believe”, “expect”, “plan”, “intend”, “forecast”, “target”, “project”, “may”, “will”, “should”, “could”, “estimate”, “predict” or similar words suggesting future outcomes or language suggesting an outlook. Forward-looking statements and information are based on current beliefs as well as assumptions made by and information currently available to Corpbanca concerning anticipated financial performance, business prospects, strategies and regulatory developments. Although management considers these assumptions to be reasonable based on information currently available to it, they may prove to be incorrect. By their very nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and risks that predictions, forecasts, projections and other forward-looking statements will not be achieved. We caution readers not to place undue reliance on these statements as a number of important factors could cause the actual results to differ materially from the beliefs, plans, objectives, expectations and anticipations, estimates and intentions expressed in such forward-looking statements. Furthermore, the forward-looking statements contained in this press release are made as of the date of this press release and Corp Banca does not undertake any obligation to update publicly or to revise any of the included forward-looking statements, whether as a result of new information, future events or otherwise. The forward-looking statements contained in this press release are expressly qualified by this cautionary statement.

CONTACTS:

Sergio Benavente

CFO, Corpbanca

Santiago, Chile

Phone: (562) 660-2559

investorrelations@corpbanca,cl

John Paul Fischer

Investor Relations, CorpBanca

Santiago, Chile

Phone: (562) 660-2141

john.fischer@corpbanca,cl

Nicolas Bornozis

President, Capital Link

New York, USA

Phone: (212) 661-7566

nbornozis@capitallink,com

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