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FORM F. For the transition period from Date of event requiring this shell company report………………. Commission file number: - Exact name of Registrant as specified in its charter.

Republic of Colombia. Jurisdiction of incorporation or organization. Address of principal executive offices. Securities registered or to be registered pursuant to Section 12 b of the Act. Securities registered or to be registered pursuant to Section 12 g of the Act. Not applicable Title of Class.

Securities for which there is a reporting obligation pursuant to Section 15 d of the Act. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule of the Securities Act. If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 of 15 d of the Securities Exchange Act of Indicate by check mark whether the registrant 1 has filed all reports required to be filed by Section 13 or 15 d of the Securities Exchange Act of during the preceding 12 months or for such shorter period that the registrant was required to file such reports , and 2 has been subject to such filing requirements for the past 90 days.

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth company. If an emerging growth company that prepares its financial statements in accordance with U.

Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:. If this is an annual report, indicate by check mark whether the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act. Indicate by check mark whether the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15 d of the Securities Exchange Act of subsequent to the distribution of securities under a plan confirmed by a court.

Unless otherwise specified or if the context so requires, in this annual report:. Sociedad Fiduciaria, a Subsidiary of Bancolombia organized under the laws of Colombia which provides trust and fund management services. Internal Revenue Service. The Representative Market Rate is an economic indicator of the daily exchange rate on the Colombian market spot of currencies. It corresponds to the arithmetical weighted average of the rates for the purchase and sale of currencies by certain financial institutions including Bancolombia authorized to engage in foreign exchange transactions in Colombia.

Securities and Exchange Commission. Comisionista de Bolsa, a Subsidiary of Bancolombia S. Our fiscal year ends on December 31, and references in this annual report to any specific fiscal year are to the month period ended December 31 of such year. This Annual Report contains statements which may constitute forward-looking statements within the meaning of the safe harbor provisions of the U.

Private Securities Litigation Reform Act of Forward-looking statements speak only as of the date they are made and are subject to change, and the Bank does not intend, and does not assume any obligation, to update these forward-looking statements in light of new information or future events arising after the date of this Annual Report. Accounting Principles. The Consolidated Financial Statements include entities which the Bank controls, directly or indirectly. See Item 4. The Consolidated Financial Statements are presented in Colombian pesos, which is the functional currency for Bancolombia S.

The Consolidated Financial Statements as of December 31, and and for the three fiscal years ended December 31, , and contained in this Annual Report are expressed in millions of pesos. This Annual Report translates certain pesos amounts into U. Unless otherwise indicated, such peso amounts have been translated at the rate of COP 2, The SFC also calculates and certifies the average Representative Market Rate for each month for purposes of preparing financial statements and converting amounts in foreign currency to pesos.

Such conversion should not be construed as a representation that the peso amounts correspond to, or have been or could be converted into, U. Rounding Comparability of Data. Certain monetary amounts, percentages and other figures included in this Annual Report have been subject to rounding adjustments. PART I. Not applicable. The selected consolidated statement of financial position data as of December 31, and , and the selected consolidated statement of income data for each of the periods ended December 31, , and , set forth below have been derived from the Consolidated Financial Statements under IFRS as issued by the IASB included in this Annual Report, except for the figures translated to U.

The Consolidated Financial Statements of the Bank as of and for the years ended December 31, and were audited by Deloitte and Touche Ltda, while the Consolidated Financial Statements of the Bank as of and for the years endedDecember 31, and were audited by PricewaterhouseCoopers Ltda. Basic and diluted earnings per. See consolidated statement of income to the consolidated financial statements.

As of December 31, , the Bank recognized the amount of COP , due to impairment charges on joint venture, for further information see Note 7. As of December 31, , and , such assets were reclassified to other assets as they are intended for immediate sale or disposition. Financial Information — A. Exchange Rates. The following table sets forth the low and high peso per U. Source: SFC. Investors should consider the following risks and uncertainties, and the other factors presented in this Annual Report.

These risk factors should not be considered a complete list of potential risks that may affect Bancolombia. Potential changes in laws, public policies and regulations may cause instability and volatility in Colombia, Panama, El Salvador and Guatemala, and their respective markets.

Although Colombia and Panama currently have investment grade credit ratings from international rating agencies, El Salvador and Guatemala do not. The economies of the countries in which the Bank operates are vulnerable to external effects that could be caused by significant economic difficulties experienced by their major regional trading partners or by more general contagion effects, which could have a material adverse effect on economic growth in these countries and their ability to service their public debt.

Deterioration in the economic and political situation in neighboring countries could adversely affect the economy and cause instability in Colombia, Panama, El Salvador and Guatemala by disrupting their diplomatic or commercial relationships with neighboring countries.

Any future tensions may cause political and economic uncertainty, instability, market volatility, low confidence levels and higher risk aversion by investors and market participants that may negatively affect economic activity in any of those jurisdictions. Events occurring in a market where we do not operate may cause international investors to have an increased risk perception of an entire region or class of investment, which could in turn negatively affect market prices and liquidity of securities issued or owned by the Bank.

Uncertainty relating to tax legislation poses a constant risk to the Bank. Changes in legislation, regulation and jurisprudence can affect tax burdens by increasing tax rates and fees, creating new taxes, limiting deductions and exemptions, and eliminating incentives and non-taxed income. Notably, the Salvadorian government has significant fiscal deficits that may result in future tax increases.

In addition, national or local taxing authorities may not interpret tax regulations in the same way that the Bank does. Differing interpretations could result in future tax litigation and associated costs. Colombia has adopted a floating exchange rate system. The Central Bank maintains the power to intervene in the exchange market in order to consolidate or dispose of international reserves, and to control any volatility in the exchange rate.

From time to time, including during , there have been significant fluctuations in the exchange rate between the Colombian peso and the U.

Unforeseen events in the international markets, fluctuations in interest rates, volatility of the oil price in the international markets, or changes in capital flows, may cause exchange rate instability that could generate sharp movements in the value of the peso.

Colombia has experienced several periods of violence and instability that could affect the economy and the Bank. Colombia has experienced periods of criminal violence over the past four decades, primarily due to the activities of guerilla groups and drug cartels.

Despite these efforts, the peace treaty with the FARC or the peace negotiations with the ELN may not lead to a lasting decrease in violence or drug-related crime in Colombia or the successful integration of former guerilla members into Colombian society. An escalation of violence or drug-related crime may have a negative impact on the Colombian economy and on the Bank. Our financial results may be negatively affected by changes to accounting standards.

Changes to IFRS or interpretations thereof may cause our future reported results and financial position to differ from current expectations, or historical results to differ from those previously reported due to the adoption of accounting standards on a retrospective basis. Such changes may also affect our regulatory capital and ratios.

We monitor potential accounting changes and when possible, we determine their potential impact and disclose significant future changes in our financial statements that we expect as a result of those changes. Currently, there are a number of issued but not yet effective IFRS changes, as well as potential IFRS changes, some of which could be expected to impact our reported results, financial position and regulatory capital in the future.

Our financial results may be negatively affected by changes to assumptions supporting the value of our goodwill. We test the goodwill that we have recognized on the respective balance sheets of our operating segments for impairment at least annually. Our impairment test in respect of the assets recognized as of December 31, indicated that our respective goodwill balances are not impaired. The impairment test requires that we make assumptions regarding estimated earnings, discount rates and long-term growth rates impacting the recoverable amount of the goodwill associated with each operating segment and on estimates of the carrying amounts of the operating segments to which the goodwill relates.

If the actual results in future periods deviate from the earnings and other assumptions on which our impairment testing is based, the value of the goodwill in any one or more of our businesses may become impaired in the future, resulting in charges to income. Material weaknesses in our internal control over financial reporting could adversely affect our ability to report our financial condition accurately and on a timely basis.

In connection with our assessment as of December 31, of the effectiveness of our internal control over financial reporting, as defined in Rules 13a e and 15d e under the U. Securities Exchange Act of , we identified a material weakness relating to the estimation of impairment for individually significant impaired commercial loans.

Specifically, the review controls over the key judgments and information used in measuring impairment were not designed effectively and did not operate effectively. We have initiated certain measures, including implementing controls to assure the completeness of the inputs and accuracy of the assumptions used to estimate loan losses from individually significant impaired commercial loans and completeness of the impaired commercial loans; defining procedures required to ensure sufficient detailed documentation to support the assumptions made for the estimation; providing additional training of Sarbanes-Oxley Act requirements to key personal in charge of loan losses estimation process; increasing the monitoring of activities during the year of the controls related to this process.

For a discussion of our internal control over financial reporting and a description of the material weakness identified in our internal controls and planned remediation measures, see Item Although we have initiated the above mentioned remedial steps to address this material weakness in our internal controls, and based on the additional analysis and other procedures performed, we believe the consolidated financial statements included in this Annual Report on Form F are fairly presented in all material respects, in conformity with IFRS, if we are unable to remediate the material weakness, our ability to report our financial condition accurately and on a timely basis could be adversely affected.

This in turn could negatively affect shareholder and customer confidence towards our financial reporting and other aspects of our business. Furthermore, banking laws and regulations may create new types of financial entities whose services could compete with the segments or services offered by the Bank.

The Bank is subject to comprehensive regulation and supervision by the banking authorities of Colombia, Panama, El Salvador, Guatemala and the other jurisdictions in which the Bank operates. In the event of non-compliance with applicable regulations, the Bank could be subject to fines, sanctions or the revocation of licenses or permits to operate its business.

Under the Colombian constitution, individuals may initiate constitutional public interest or class actions to protect their collective or class rights, respectively. Colombian financial institutions, including the Bank, have experienced a high number of these actions. The great majority of such actions have been related to fees, financial services and interest rates, and their outcome is uncertain.

COLPORRAFIA ANTERIOR Y POSTERIOR TECNICA QUIRURGICA PDF

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LA TIGANCI MIRCEA ELIADE PDF

FORM F. For the transition period from Date of event requiring this shell company report………………. Commission file number: - Exact name of Registrant as specified in its charter. Republic of Colombia. Jurisdiction of incorporation or organization.

BOURNE ULTIMATUM SCREENPLAY PDF

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