Conference call 3q 15

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Earnings Release 3rd Quarter 2015 November 20th ,2015

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CONTENTS 

Highlights 3Q 2015

Balance Sheet

P&L

Cash Flow

Retail Operation

Financial Operation

Q&A

2


Highlights 3Q 2015  Positive EBITDA CLP B $ 0.5 3Q 2015 and CLP B $3.9 LTM  Increase in 360 basis points in retail gross margin  Retail Margin LTM 29,8%  Increase in 4,8% Financial gross margin v/s 3Q2014  3,2% and 8,0% decrease in SG&A for 3Q 2015 and 9M 2015 respectively.  Mr Andres Eyzaguirre is appointed as new CEO

 Ahumada deal 3


Balance Sheet

Cash and Cash equivalents CLP B$ 3Q´15

CLP B$ 3Q´14

CLP B$ 4Q´14

12 115 63 33 224

22 95 60 38 215

21 110 58 42 231

20 52 25 97

32 60 24 116

31 59 20 111

321

331

342

22

Current Assets Cash and Cash equivalents Current Trade and Accounts Receivalbes Inventory Other Current Assets Total Current Assets

21 16

13

13

13

12

Non-Current Assets Long-term account receivable Properties, plant and equipment Other Non - Current Assets Total Non - Current Assets

Total assets

1Q´14 2Q´14 3Q´14 4Q´14 1Q´15 2Q´15 3Q´15

Accounts Receivables 161

148 127

141

136

133

135

Current Liabilities Other Current Financial Liabilities Other Trade and Other Account Payable Other Current Liabilities Total Current Liabilities

27 57 16 99

37 57 12 106

44 64 17 125

1Q´14 2Q´14 3Q´14 4Q´14 1Q´15 2Q´15 3Q´15

Financial Liabilities

Non - Current Liabilities Long Term Financial Debt Other Non - Current Liabilities Total Non - Current Liabilities

30 51 81

185 54 240

186 50 236

230 204

Total Liabilities

181

345

361

Equity

140

(14)

(19)

212

222 53

53

56

1Q´14 2Q´14 3Q´14 4Q´14 1Q´15 2Q´15 3Q´15

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P&L 3Q CLP $ B Revenues Costs Gross Margin % Revenues SG&A (w/o depreciation) % Revenues EBITDA % Revenues Depretiation Operating Income Non - Operating Income Profit (Loss) Before Taxes Benefits (Expenses) Income Tax Profit (Loss)

3Q 2015 87.1 (55.0) 32.1 36,9% (31.6) -36,3% 0.5 0,6% (2.3) (1.8) (1.9) (3.6) (0.4) (4.1)

Consolidated 3Q 2014 r 2,3% 85.1 (57.9) 17,7% 27.3 32,0% -3,2% (32.6) -38,3% (5.4) -6,3%

3Q 2015 70.6 (49.8) 20.7 29,4% (24.2) -34,3% (3.5) -4,9%

Retail r 1,4% 15,5% -2,3%

3Q 2014 69.6 (51.6) 18.0 25,8% (24.8) -35,6% (6.8) -9,8%

3Q 2015 17.7 (5.5) 12.2 69,1% (8.3) -46,9% 3,9 22,2%

Financial 3Q 2014 r 4,8% 16.9 (6.5) 17,8% 10.4 61,5% -7,3% (9.0) -53,0% 1.4 8,5%

(1.9) (7.2) (8.6) (15.8) 5.0 (10.9)

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P&L 9M CLP $ B Revenues Costs Gross Margin % Revenues SG&A (w/o depreciation) % Revenues EBITDA % Revenues Depretiation Operating Income Non - Operating Income Profit (Loss) Before Taxes Benefits (Expenses) Income Tax Profit (Loss)

Consolidated 9M 2015 9M 2014 r 266.0 -4,0% 277.1 (171.2) (183.2) 94.8 0,9% 94.0 35,6% 33,9% (94.3) -8,0% (102.4) -35,4% -37,0% 0.5 (8.4) 0,2% -3,0% (6.7) (6.2) (9.5) (15.7) 2.3 (13.4)

9M 2015 216.7 (153.1) 63.6 29,3% (72.4) -33,4% (8.8) -4,0%

Retail r -3,8% 5,6% -6,4%

9M 2014 225.4 (165.1) 60.3 26,7% (77.3) -34,3% (17.0) -7,6%

9M 2015 53.0 (19.0) 34.0 64,2% (24.7) -46,7% 9.3 17,5%

Financial 9M 2014 r -5,4% 56.0 (19.0) -8,2% 37.0 66,1% -13,2% (28.5) -50,8% 8.6 15,3%

(5.6) (14.1) (22.7) (36.8) 4.5 (32.3)

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CASH FLOW

Cash Flow Statements

30-sep-15

30-sep-14

CLP $ M

CLP $ M

Net Cash Flow from operating income

(1,304)

12,405

Net Cash Flow from investing income

(4,596)

(2,675)

Net Cash Flow from financing income

(3,639)

(10,121)

Net cash decrease in cash and cash equivalents

(9,539)

(392)

Cash and cash equivalents at the beginning of the period

20,329

21,403

Cash and cash equivalents at the end of the period

10,790

21,012

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Retail Operation Retail Revenues LTM -1,3%

-1,3%

-1,7%

-1,6%

-1,3% 335

Ingresos Retail U12M

Revenues (CLP $B)

330

Ingresos (MMM)

-1.3%

325 330

+0,6%

Retail Margin % LTM Margen Retail % U12M

-1.6%

321

316

317

325 29,8%

321

316

28,3%

28,8%

27,8% 26,9%

2Q 14

3Q 14

3Q 14

4Q 14

4Q 14

1Q 15

1Q 15

2Q 15

2Q 15

3Q 15

3Q 14

4Q 14

1Q 15

2Q 15

3Q 15

Challenges • Continue SG&A efficiency plan • Focus on private labels

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Financial Operation Open accounts w/balance (Th.)

508

526

531

524

509 513

492

1Q´14

2Q´14

3Q´14

4Q´14

1Q´15

2Q´15

3Q´15

9,9% 200

10,4%

10,3%

10,8%

11,3% 10,8%

9,1%

Credit Card Loan Stock (CLP $ B) 150

Risk rate

100 50

163

153

133

144

136

141

137

1Q´14

2Q´14

3Q´14

4Q´14

1Q´15

2Q´15

3Q´15

0

Challenges

• Increase average debt • Increase customers with balance • Maintain risk rate in current levels 9


Q&A

10


Contact Info Felipe Contesse Head of Investor Relations +56 2 2383 3313 ir@lapolar.cl For all our investors information please visit:

www.nuevapolar.cl Disclaimer: Actual results could differ materially from these forward-looking statements as a result of a number of factors, including but not limited to risks more fully described in our financial statements.


Earnings Release 3rd Quarter 2015 November 20th ,2015

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