Hola hola

RIPLEY TODAY IS...

Deparment Stores Stores: 39 Revenues: US$1,407 MM Selling space: 308.000 sqm

Financial Retail Loans: US$1,218 MM Revenues: US$ 472 MM

Bank Branches: 46 Loans: US$475 MM

Real Estate Revenues: US$16 MM Ownership in 7 shopping malls 220.000 sqm space for lease

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50 YEARS IN RETAIL MARKET
- First store opened

1956
-Starts credit business

México: JV BalGroup Perú: JV Mall Plaza First store outside Lima Capital increase

1976
-SAN DIEGO First department store in Santiago

2007
-PARQUE ARAUCO Ripley opens in Mall Parque Arauco, land mark for Ripley’s reposition.
-Local Bond issuance 3 new stores in Chile 1 new store in Perú

2006 2003
- Two new and important stores. (Crillon & Temuco) - IPO

1985
-BARROS ARANA First store outsideSantiago -Changes in the Company’s estructure. -A new generation came to Ripley.

1993

-VIAJES Ripley - RIPLEY PERU (travels) - First -BANCO Ripley international 2002 store: Ripley Jockey Plaza -ALTO LAS CONDES

1986

1987

1997

Insurance brokerage business

2005

2000

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DEPARTMENT STORES

La Polar 12.4%

CHILE
39 stores Revenues US$1,045 MM Market share 26% Selling space213.000 sqm

Falabella 37.3% Paris 24.9%

Ripley 25.4%

PERU
10 stores Revenues US$362 MM Market share 47% Selling space 95.000 sqm
Ripley 47% Falabella 53%

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FINANCIAL RETAIL (CREDIT CARD)

CHILE
Loans: US$ 933 MM Revenues: US$ 354 MM Provisions/loans: 8.4%
831 US$ MM 662

Total loans
1.219 991

PERU
Loans: US$ 285 MM Revenues: US$118 MM Provisions/loans: 5.8% Recentlicence to operate as a Bank in Perú.

2004

2005 Year

2006

2007

Credit Card Revenues
472 425 354 306 US$MM

2004

2005 Year

2006

2007

CLP Dec 2007, CLP/USD Dec 2007

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BANCO RIPLEY

Loans (US$MM)
462 474

328 US$MM 223

2004

2005 Year

2006

2007

Bank 46 branches in Chile Loans US$474 MM in Chile *

* Bank does not consolidate in Ripley Corp.

CLPDec 2007, CLP/USD Dec 2007

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REAL ESTATE BUSINESS
Ownership in 7 shopping malls 100.000 sqm weighted average of selling space Revenues: US$ 16 MM

Chile: Ripley has the option to purchase 22,5% in three shopping malls of Mall Plaza 100% owned of shopping mall – Concepción Peru: Joint Venture to build and manage of shopping malls o The association between Mall Plaza and Ripley of developshopping centers in Peru was officially reported on July 9th 3 malls: The first opened in Trujillo 3 others malls are approved by Ripley Board More are under evaluation

o o o

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REVENUES
Revenues Breakdown
Financial revenues (Perú)
6%

Real estate revenues (Chile)
1%

Financial revenues (Chile)
19%

55%

Retail revenues (Chile)

19%

Ripley Corp Revenues/EBITDA
Revenues178 142 US$MM 1554 1669 1778 1894 EBITDA 193

Retail revenues (Perú)

213

2004

2005 Year

2006

2007

CLP Dec 2007, CLP/USD Dec 2007

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2007 RESULTS

2007 RESULTS
Net Income Operating Income -9.4% 213 US$MM 174 -75.7% 148
125 30

EBITDA

-15.1%

193

2006 Year

2007

Gross profit increased in 7.7% SG&A increased in 14.4% Difference in monetary correction of-US$ 42.3 MM Decrease in results on investment in Banco Ripley for US$ 19.5 MM Increase in financial expenses for US$ 9.9 MM Inflation difference of 5.2% compared to 2006
CLP Dec 2007, CLP/USD Dec 2007

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2007 RESULTS
Retail revenues increased 5.1% in Chile 15% increase in selling space same store sales decreased a real 2.3% real (+ nominal 1.8%) Retail revenues increased 5.1% in Perú 8%increase in selling space same store sales increased a real 10.5%, measured in soles Exchange rate effect decreases growth expresed in chilean pesos Financial revenues increased 11.5% in Chile A real increase in loan portfolio of 24.2% As of January 2007, elimination of credit card comissions charged in Stores Financial revenues increased 9.2% in Perú Increase in percentage of sales financed...