investor meetings -...

Estrictamente Privado y Confidencial

1

Investor Meetings - HSBCAsia & Europe, April 2017


2

AGENDA

I. ILC at a Glance

II. ILC: Value Proposala. Proven expertise in realizing valueb. Industries with growth potential + internal improvement opportunitiesc. Disciplined capital management and strict corporate governance practicesd. Multiple avenues for consolidation & growth

III. Closing Remarks

IV. Appendix

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3

I. ILC at a Glance


4

ILC AT A GLANCE

Dividend Yield 2016

8.5%at IPO’s price

ROE - Net Income 2016(1)(2)

12.1% - US$111 m.

(1) Excluding the extraordinary accounting effect related to the ILC-Prudential association in AFP Habitat for US$343 million(2) FX: CLP$650/USD$

We aim to improve the quality of life of our clients, by offering them efficient and accessible services, mainly in the financial and health sectors.

We favor the creation of value, efficiency and sustainability, guided by the values of our Controller, the Chilean Construction Chamber (CChC).

Mission:

Sectors where ILC participates

Financial & Health

AuM as of December 2016

US$57 bill.(2)

in AFP Habitat, Confuturo and Corpseguros

Local Risk Rating

AA+

Consolidated Employees

~12,300in Chile and Peru

4


5

II. ILC: Value Proposal


6

ILC: VALUE PROPOSAL

1.

Proven expertise in realizing value

2.

Industries with growth potential+ internal improvement opportunities

3.

Disciplined capital management and strict corporate governance practices

4.

Multiple avenues for consolidation & growth

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7

FOCUS ON THE FINANCIAL AND HEALTH SECTORS

2012Pre-IPO

Today

Financial Sector

96%

67.5% 99.9% 89.9% 99.9% 32.9% 99.9%

Health Sector IT

Financial Sector

Float:~50% international investors

~50% local investors67% 33%

40.3% 99.9% 50.6% 99.9% 99.9% 99.9%

Health Sector

Partnership

Education

Source: ILC 7Executed in 2015-2016

Pension Funds (Chile & Peru)

Pension Funds (Chile)

Healthcare Network (Chile)

Mandatory Health Insurance (Chile)

IT Platform (Chile) School Network (Chile)

Life Insurances (Chile)

SME Bank (Chile)

Healthcare Network (Chile)

Mandatory Health Insurance (Chile)

Supplementary Health Insurance (Chile)

Disability & Survivorship Insurance (Chile)


8

72%

2%

21%

Others 5%

50%

39%

10%

7%5%

AFP Habitat and Isapre Consalud reduced their impact on results from 93% in 2010 to 55% in 2016

-12% (Vida Cámara, Others and ILC Individual)

ILC: Ordinary Net Result Pre-IPO (2010) ILC: Ordinary Net Result (2016)

GREATER DIVERSIFICATION OF RESULTS

Source: ILC

8


9

43

(3)

84 86 73 94 96

106 112

111

11

72

52

34 34

343

95

157

125 128 130

106 112

11%

(0.9%)

22%

32%

20% 19% 18%

14% 15%

-10%

0%

10%

20%

30%

40%

50%

60%

(15)

35

85

135

185

235

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Ordinary Net Result Extraordinary Net Result ROE (right axis)

Ordinary net result growth

(2007-2016)+11%CAGR

~6%annual

450US$ m.

Dividend yield (1)

(2012-2016)

Extraordinary net result

(2007-2016)

US$60 m. annually (average)

1

2

3

CAPEX

(2012-2016)4

CONSISTENT RETURN GENERATION

US$ m.

450

ILC: Net Result and ROE Evolution

(1) Dividend yield at IPO’s priceSource: ILC. FX: 650 CLP$ / USD$ 9

453

49.6%


10

ILC: VALUE PROPOSAL

1.


2.


3.


4.


10


11

Others18.4%

Consorcio18.6%

Confuturo + Corpseguros

16.6%

Metlife15.3%

Penta Vida13.9%

Bice Vida9.2%

Sura8.1%

LIFE INSURANCE INDUSTRY: DEMOGRAPHIC AND ECONOMIC POTENTIAL

Interest Rate: Programmed Withdrawal vs. Annuity Retirement Alternative Breakdown

Annuity Mkt. Share (Direct Premiums, 2016)Annuity Industry Gross Premiums (US$ m.)

US$4,225 m.

Source: AACh, SVS, Superintendencia Pensiones.FX: 650 CLP$ / USD$

11

53%64% 63% 61%

71%73%

47% 36%37% 39%

29%

27%

35,246 34,78838,804 39,218

43,693

54,051

2011 2012 2013 2014 2015 2016

Annuities Programmed Withdrawal

2,379

2,874 2,9942,773

3,690

4,225

2011 2012 2013 2014 2015 2016

3.83% 3.82%

3.12%

2.94%3.23%

2.85% 2.72%

2.37%

2012 2013 2014 2015 2016 2017

Programmed Withdrawal Annuity Annuity


12

7,155

8,583

2013 2016

392

702

2013 2016

ROE 201612%

Acquisition:November 2013

Acquisition price

US$ 134 m.Participation acquired

67.0%Multiple acquisition (P/B)

0.83x

Strategy:Financial turnaround

New asset allocationLower leverage derived from

new investment strategyMinority stake acquisition at

0.84x P/B

Annuity Direct Premiums (US$ m.)

Net Result (US$ m.)Portfolio Risk (December 2016)

+79% +20%

AuM (US$ m.)

13%

6%

% Real Estate

% Stocks

23%

3%

CONFUTURO: REFOCUSING ITS INVESTMENT STRATEGY AND CAPITAL STRUCTURE

Source: AACh, SVS and ILC. FX: 650 CLP$ / US$ 12

Principal

Metlife

Corpseguros

Confuturo before ∆+K

ConfuturoConfuturo 2013

Bice Vida

Security PentaConfuturo + Corpseguros

09

10

11

12

13

14

15

16

17

18

19

0% 2% 4% 6% 8% 10% 12%

Leve

rage (x

)

% Equity / AuM

(7.9)

24.0

50.6

65.2

2013 2014 2015 2016


13

18.6%17.5%

14.7% 14.8%

17.2%

14.2%

11.0%

2010 2011 2012 2013 2014 2015 2016

Internal Credit Provided by Banking Sector 2015 (% GDP)GDP vs Bank Loans Growth (Chile)

IGPA Comparative ROE 2016Chilean Banking Industry ROE

Industry 2016 ROE

Banking 13.1%

Retail 12.6%

Construction & Real Estate 9.9%

Basic Materials 5.8%

Industrial 2.4%

CHILEAN BANKING INDUSTRY: PROFITABLE AND GROWING

Source: SBIF, World Bank, Bloomberg, BCS, Banco Central de Chile 13

194% 190%174%

147%134%

119% 111%

68%47%

37%5.8%

5.8% 5.5%4.0%

1.9% 2.3%1.6%

7.7%

17.3%

14.3%13.3%

10.7%12.2%

5.5%

2010 2011 2012 2013 2014 2015 2016

GDP Growth (real) Loans Growth (nominal)


14

24.6 23.7 18.8

15.7

7.4

BBVA BICE Scotia Security

64.5 64.5 61.555.9

50.7

Security BBVA Scotia BICE

26.8

14.2

2015 2016

1,285

1,415

2015 2016

AAAAA AA

AA-A+

AA+

Scotia BICE BBVA Security - ILC

Loans (US$ m.) Risk Expenses (US$ m.)

Reciprocity(1) (Dec 2016, %)Efficiency (Dec 2016, %) Credit Rating (Dec 2016)

ROE 201610%

+10.1% -46.8%

Acquisition:November 2015

Acquisition price

US$ 100 m.Participation acquired

50.6%Multiple acquisition (P/B)

1.29x

Strategy:Turnaround

Focus on small and medium size companies

Risk and efficiency management

New board and management

BANCO INTERNACIONAL: FROM MACRO TO MICRO

(1) Time deposits / Total liabilitiesSource: SBIF, Banco Internacional. FX: 650 CLP$ / USD$

14

Net Income (US$ m.)

0.1

14.4

2015 2016


15

40%29% 21%

56%64%

69%

4% 7% 10%

1960 1992 2014

0-14 15-64 65+

Demographic Evolution (Population by Age)GDP vs. Health Expenditure 2015 (PPA, per Capita)

Beds (Every 1,000 Habitants)Physicians (Every 1,000 Habitants)

3.8

3.3

2.62.2

1.9 1.8

4.8

3.0 2.9

2.3 2.21.6

Australia

Chile

Germany

Japan

Mexico

Spain

Switzerland

Turkey

OECD

USA

0

2,500

5,000

7,500

10,000

10,000 20,000 30,000 40,000 50,000 60,000 70,000

2 X

Per Capita GDP PPA (US$/hab.)

Per

Cap

ita H

ealth

Exp

end

iture

PP

A

(US

$/h

ab

.)

Source: OECD Health Statistics 2015, Health at a Glance 2015, World Bank, INE

CHILEAN HEALTHCARE INDUSTRY: LACK IN SUPPLY FOR GROWING DEMAND

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16

1,141

920

612452

370296

5.9

14.1

2015 2016

41.9 57.0

9.7%

11.0%

05%

06%

07%

08%

09%

10%

11%

12%

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

2015 2016

EBITDA Mg EBITDA

6.7x

4.6x

2015 2016

EBITDA Margin 2016

11%

Net Result (US$ m.) Net Debt / EBITDAEBITDA (US$ m.)

Number of Beds

+140%

Company EBITDA Mg. 2016

18.2%

13.2%

11.0%

10.8%

First-class healthcare assets across Chile

CAPEX L5Y

US$ 300 m.

Minority stake acquisition at 0.94x P/B

(June 2016)

Focus on efficiency and working capital

Improve synergies among the network

New management / corporate image renewal

Red Salud

Strategy:Operational turnaround

Comparable EBITDA Margins

-30.7%

+130 bps

Source: ILC, Clínicas de Chile AG (November 2016). FX: 650 CLP$ / USD$

RED SALUD: AFTER EXPANSION, FOCUS ON OPERATIONS

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17

• Prudential’s presence in Latam

• In March 2016 ILC associated with Prudential in AFP Habitat, in order to expand their footprint in the Latampension industry

• Prudential at a glance:

• Founded in 1875

• Presence in more than 40 countries

• Products:

• Life insurances• Annuities• Retirement products• Mutual funds• Investment management

• US$1,264 trillion in AuM / US$3.7 trillion inlife insurances

• 49,000 employees

• Market cap.: US$45 billion

Life insurance

Pensions

1997

1998

2006

2016

Source: Prudential

ILC – PRUDENTIAL ASSOCIATION IN AFP HABITAT

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Habitat27.3%

Provida26.2%

Cuprum20.4%

Capital19.6%

Planvital3.4%Modelo

3.1%

Habitat21.6%

Provida29.7%

Planvital10.4%

Cuprum8.1%

Modelo12.9%

Capital17.2%

Market Share by Contributors (December 2016)

Average Taxable Income in Chile (US$)

• AFP Habitat has a strong presence and recognition in the Chilean pension industry:

Investment Returns (Chilean Pesos)

Market Share by AuM (December 2016)

Source: Superintendencia de Pensiones. FX: CLP$650 per USD$

HABITAT CHILE: CONSOLIDATION IN THE HIGH-INCOME SEGMENT

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5.3 million

US$179billion

500

700

900

1,100

1,300

2008 2009 2010 2011 2012 2013 2014 2015 2016

Ave

rage T

axa

ble

Incom

e (U

S$)

Additional Taxable Income AFP Habitat Average Taxable Income IndustryRank Annualized Returns (Jan. 2016-Dec. 2016)

Habitat Capital Cuprum Modelo Planvital Provida

Fund A 2° 4° 3° 1° 6° 5°

Fund B 2° 4° 3° 1° 6° 5°

Fund C 2° 4° 3° 1° 5° 6°

Fund D 2° 4° 3° 1° 5° 6°

Fund E 2° 3° 4° 1° 5° 6°


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Habitat15%

Integra32%

Prima24%

Profuturo29%

Habitat2%

Integra40%

Prima32%

Profuturo26%

Peruvian Labor Force Breakdown (2015)

Workers: 15.8 m.

Market Share: AuM and Affiliates (December 2016)

(1) PPPS: Peruvian Private Pension SystemSource: SUNAT, INEI, CELADE, SBS. FX: 3.35 PEN$ / USD$

PERUVIAN PENSION INDUSTRY: FAVORABLE SCENARIO DRIVEN BY DEMOGRAPHY AND LOW LABOR FORMALITY

36%

64%

Independent Dependent

27%

73%

Formal Informal

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AuM: US$ 40,702 m. Affiliates: 6.3 m.

AuM per Affiliate December 2016 (US$)

Investment Returns PPPS(1) (Peruvian Soles)

Rank Annualized Returns (Jan. 2016-Dec. 2016)

Habitat Integra Prima Profuturo

Fund 1 1° 3° 2° 4°

Fund 2 1° 2° 3° 4°

Fund 3 1° 3° 4° 2°

916

8,109 8,790

5,879 6,498

Habitat Integra Prima Profuturo PPPS


20

Cruz Blanca21%

Consalud20%

Banmédica20%

Colmena18%

Masvida16%

Vida Tres4%

Optima1%

Metlife22%

Security14%

Euroamérica11%

Vida Cámara10%BICE Vida

9%

Others34%

ConsaludAdverse regulatory scenario

due to judicializationsCommercial know-how

Currently implementing efficiency improvements

#4 largest company in supplemental health insurances in Chile

Experience in collective contracts

New CEO and commercial turnaround

Market Share Isapres by Contributors (December 2016) Market Share Supplemental Health Insurances by Premiums (December 2016)

Source: ILC, AACh, Superintendencia Salud. FX: 650 CLP$ / US$

US$700 m.1.9 m.

Vida Cámara

CONSALUD AND VIDA CÁMARA

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21

ILC: VALUE PROPOSAL

1.


2.


3.


4.


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22

Net Financial Debt / Total Equity

DISCIPLINED CAPITAL MANAGEMENT

ILC’s debtUS$290 million (1)

Consolidated net debtUS$1,249 million (1)

ILC’s cashUS$140 million (1)

ILC Rating RiskAA+

Dividend Policy by Subsidiary

22(1) ILC Financial data as of December 2016FX: 650 CLP$ / US$

Debt: 70% BondsBanks 30% (1)

Amortization Schedule ILC (December 2016, US$ m.)

75

6 6 6 6 6 6 6 6 6 6

40 40 40

8 8 8 8 8

Bank Loans ILC-C ILC-D ILC-F ILC-H Liquidity (If: Stress Scenario)

Stress Scenario: Cash + Dividends from Subsidiaries – ILC Dividends @ 30% = ~US$120 m.

0.38x

0.55x 0.85x

0.69x

1.2x

1.0x

2013 2014 2015 2016

NFD/Equity Cov. D,F & H-Series Cov. C-Series

2016Distr. Net Income (US$ m)

Dividend Pol. % Ownership (%)

Habitat 112 90% 40.3%

Red Salud 11 100% 99.9%

Consalud 9 100% 99.9%

Vida Cámara - 100% 99.9%

Inversiones Confuturo 51 30% 99.9%

Banco Internacional 15 30% 50.6%


23

STRICT CORPORATE GOVERNANCE STANDARDS

• Each of ILC’s subsidiaries has an independent Board of Directors and Management, who maximize the return of its company

67.0%

16.1%International Investors

Subsidiary’s Board of Directors

Subsidiary’s Management

• The Company is controlled by the Chilean Construction Chamber, a non-profit entity, which annually elects five of the seven directors of ILC during its Shareholders’ Meeting

Directors’ Committee

Investment Committee

ILC’s Board of Directors

ILC’s Management

ILC elects Board

Members

• ILC has a Committee of Directors, responsible for reviewing financial information and auditor’s reports, related parties transactions, remuneration systems, internal auditing procedures, among others

• ILC has also an Investment Committee responsible for reviewing financial decisions undertaken by ILC

• Other initiatives to enhance ILC’s Corporate Governance: Corporate Governance Manual, Ethic Code, Crime Prevention Model, Whistle Blows Channel, Comptroller, Management Control Department, among others

• The Chairman is elected for one year, renewable for a second period

Local Investors 16.9%

23

100%


24

ILC: VALUE PROPOSAL

1.


2.


3.


4.


24


25

BASED ON 2015-2016’S FOCUSES, ILC HAS SEVERAL OPPORTUNITIES:

AFP Habitat: Inversiones Confuturo:

Consolidate its association with Prudential

Strengthen its regional footprint in Latam

Maintain its leadership in the annuity industry

Further improve returns on investments, maintaining an adequate leverage

Banco Internacional:

Improve operational and administrative efficiency

Focus in medium and small size companies

Consolidate its new Management Team

Consalud:

Further improve efficiencies in costs and SG&A

Continue developing innovative complementary products

Vida Camara:

Consolidate in Supplemental Health Insurances

Red Salud:

Improve operational efficiency andsynergies between the network

Consolidate its new Management Team

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26

3. Closing Remarks


27

INVESTMENT HIGHLIGHTS

One of the largest Asset Managers in Latam

Consolidated controlling shareholder

Solid and stable credit risk rating

Proven access to capital markets

Demonstrated track-record in non-

discretionary industries

Attractive and consistent dividend

yield

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28

4. Appendix


29

SUMMARIZED FINANCIAL STATEMENTS AND SUBSIDIARIES FIGURES

Figures as of December 2016 / FX: CLP$669.47 per USD$Inversiones Confuturo Net Debt: US$164 m./ ILC Net Debt: US$145 m. 29

Balance Sheet

Th. US$ 2016 2015

NON I NSURANCE ACTI V I TY ASSETS 1,392,261 1 ,691,251

Total Current Assets 382,288 388,509

Total Non Current Assets 1,009,973 1,302,742

TOTAL I NSURANCE ACTI V I TY ASSETS 8,736,924 8 ,051,848

TOTAL BANKI NG ACTI V I TY ASSETS 2,064,873 1 ,811,024

TOTAL ASSETS 12,194,059 11,554,123

NON-I NSURANCE ACTI V I TY LI AB I LI TI ES 1,056,477 1 ,258,294

Total Current Liabilities 442,173 710,061

Total Non Current Liabilities 614,304 548,233

I NSURANCE ACTI V I TY LI AB I LI TI ES 8,127,764 7 ,492,900

BANKI NG ACTI V I TY LI AB I LI TI ES 1,878,597 1 ,629,136

TOTAL LI AB I LI TI ES 11,062,839 10,380,330

1,017,096 757,689

Non-Controlling Interests 114,124 416,104

TOTAL EQUI TY 1,131,220 1 ,173,793

TOTAL LI AB I LI TI ES + EQUI TY 12,194,059 11,554,123

Equity Attributable to Owners of the Parent Company

I ncome Statement

Th. US$ 2015

NON-I NSURANCE ACTI V I TY

Operating Result 35,637 34,882

Non Operating Result 13,687 (32,676)

Profit (Loss) Before Tax 49,324 2,207

Profit (Loss) from Discontinuing Operations 342,307 122,641

Non-I nsurance Activi ty Pro f i t 386,371 120,698

I NSURANCE ACTI V I TY

Operating Result 79,196 35,385

Non Operating Result (19,271) 9,625

Profit (Loss) Before Tax 59,925 45,011

I nsurance Activi ty Pro f i t 59,096 40,742

BANKI NG ACTI V I TY

Operating Result 14,271 (3,881)

Non Operating Result 257 5

Profit (Loss) Before Tax 14,528 (3,876)

Bank ing Activi ty Pro f i t 12,993 (3,038)

PROFI T (LOSS) FOR THE PER I OD

440,256 108,267

Pro f i t Attributab le to Non-Contro l l ing I nterest 18,204 50,135

2016

Pro f i t Attributab le to Owners o f the Parent Company

I nd ividual Results

(Dec 2016, USD$ Th)AFP Hab itat Confuturo Co rpseguros

Banco

I nternacionalRed Salud Consalud V ida Camara

I ndustry Pens ion Funds Life I nsurances Life I nsurances Bank ingHealthcare

Provider

Mandato ry Health

I nsurance

Vo luntary Health

I nsurance

Revenues 249,954 800,727 364,267 72,896 501,678 598,311 140,440

EB I TDA / EB I TDAE N.A. N.A. N.A. N.A. 55,302 N.A. N.A.

Net I ncome 130,935 29,686 33,567 14,115 11,039 5,403 (843)

Assets 592,050 5,003,942 3,575,867 2,012,962 585,215 150,887 181,115

Liab i l i t ies 126,319 4,693,486 3,308,502 1,868,235 389,073 133,084 125,799

Equity 465,736 310,456 267,365 144,728 196,141 17,803 55,316

% ownership I LC 40.3% 99.9% 99.9% 50.6% 99.9% 99.9% 99.9%


30

Voluntary Savings

Pension Funds Pensions Health Insurance Healthcare Providers

GR

OS

S S

ALA

RY

10%Mandatory contribution:Fee:1.27% of gross salary

7%

Voluntary additional contribution

0% -40% Taxes

NE

T S

ALA

RY

Voluntary contribution

PE

NS

ION Programmed withdrawal

Annuity

Mandatory contribution

ILC PARTICIPATES IN NON-DISCRETIONARY INDUSTRIES

30


31

-0.22%

1.68%

2.48%

3.49%

4.32%

-0.87%

1.07%

1.74%

2.60%

3.89%

A B C D E

Habitat System

27%

3%3%

20%

20%

26%

21%

6%

5%

22%8%

37%

5

CHILEAN PENSION FUNDS REPRESENTED 69% OF GDP IN 2016

Market Players(all private)

Fee*(% on gross salary,

capped at ~US$2,600)

Affiliates10.2 million

Contributors5.3 million

Pensioners1.4 million

1.27%0.41% 0.77% 1.44% 1.48% 1.54%

AuMUS$179 Billion

Taxable Income

(Average, US$)

B

A

C

D

E

Distribution of assets in the Industry by type of fund

AHigher risk

ELower risk

2 3 41 6

Return of Funds 2016 (Real, CLP$)

97% correspond to dependent workers

Invested in: With a return of:

FX: CLP$650 per USD$. Source: Superintendencia de Pensiones*AFP Provida will reduce its fee to 1.45% since June 2017 31

20%

11%

15%17%

6%

31%22%

10%

13%17%

8%

30%

A12%

B14%

C35%

D17%

E21%

US$ 1,243US$ 813 US$ 896 US$ 1,147

US$ 2,023

US$ 899

1

2

34

5

6

1

2

34

5

6

1

2

3

4

5

6

1

2

3

4

5

6


32

US$ 1,193 US$ 1,491 US$ 1,349 US$ 1,519

US$ 367

US$ 1,461 US$ 1,365

97% OF CHILEANS ARE COVERED BY HEALTH INSURANCES, OF WHICH 75% IS MANAGED BY THE PUBLIC SECTOR (FONASA)

20.7%

15.9%

20.9%

4.3%

0.6%

16.8%

20.7%

Banmédica

Cruz Blanca

Masvida

Vida Tres

Optima

Source: Superintendencia de Salud, statistics 2014Dimensionamiento del Sector de Salud Privado en Chile - 2014

Supporter

Insurer

A

C

D

E

Isapre Fonasa OthersTotal Beneficiaries

13.5 MTotal Beneficiaries

3.3 M

Consalud

Colmena

Total Beneficiaries1.1 M

Market Players(Private and open)

Market share at the level of beneficiaries to open Isapres

Average Contribution(Annual, US$)

Loss Ratio

*

Provider Private sector, according to chosen plans with Isapres

Public sector

A - B

Public sector and some private providers

C - D

Armed Forces

Chilean Army

Chilean Navy

Chilean Air Force

Chilean Police

Private sector, according to chosen plans with Isapres

Government(7% on taxable salary, capped at aprox US$3,000; with an average contribution of 10% in the case of Isapres)

FX: CLP$650 per US$ 32

86.7% 87.5% 86.3% 84.9%43.2%

88.2% 87.9%


33

THE PRIVATE HEALTHCARE SYSTEM PLAYS AN IMPORTANT ROLE TO MEET CHILEAN DEMAND FOR HEALTH

30%

70%

Public

48%

52%

Public

66%

18%

2%4%

10%

53.7%

22.7%

3.4%

11.5%

8.6%Geriatric and Phys. Clinics

Source: Dimensionamiento del Sector de Salud Privado en Chile – 2014Health at a Glance 2015

Private

Total Health Expenditure8.8% of GDP

Hospitals and Clinics~ 350

Public Hospitals

Private Clinics

Mutuals

Others

Public Hospitals

Private Clinics

Mutuals

Geriatric and Phys. Clinics

Others

Beds ~ 38 thousand

Private

Doctors~ 30 thousand

Red Salud: 858 beds

Red Salud: 11 private clinics

Geographic Distribution of Doctors in Chile

North2,418 doctors83.7 habitants by doctor

Center - North21,899 doctors47.1 habitants by doctor

Center - South4,415 doctors75.7 habitants by doctor

South1,264 doctors85.1 habitants by doctor

Private

Dentists~ 16 thousand

54%

46%

Public

Private

Nurses~99 thousand

33

8.6%


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Disclaimer:This document provides information about ILC Inversiones S.A. In any case this constitutes a comprehensive analysis of the financial, operational and sales situation of the Company, so to evaluate whether to purchase or sell securities of the Company, the investor must conduct its own independent analysis.In compliance with the applicable rules, ILC Inversiones S.A. publishes this document in its web site (www.ilcinversiones.cl) and submits to the Superintendencia de Valores y Seguros, the financial statements of the company and its corresponding notes, which are available for consultation and review.

Contact Information:Trinidad Valdés / IR Department / +56 2 2477 4673 / [email protected] / www.ilcinversiones.cl Camila Tagle / IR Department / +56 2 2477 4680 / [email protected] / www.ilcinversiones.cl

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