Administradora de Fondos de Pensiones Habitat (HABITAT) investor relations material

Executive summary

• H1 2026 net income rose 9.77% YoY to MM$88,024; revenue increased 3.63% nominally to MM$135,592, but declined 1.26% in real terms.

• Independent review found no matter causing concern over fair presentation; the engagement was a review, not an audit.

Financial highlights

• H1 revenue was MM$135,592, up MM$4,748 YoY; commission income increased MM$4,820, led by mandatory contributions (+MM$3,692) and voluntary savings (+MM$914).

• Net income reached MM$88,024, up MM$7,838 YoY; pre-tax income was MM$118,547 and income tax expense MM$30,524.

• Encaje return increased 4.96% YoY to MM$35,684; operating expenses were MM$18,829 and depreciation and amortization MM$6,626.

• EBITDA was MM$127,820, up 9.39% YoY; financial costs fell 14.61% to MM$2,647 as interest rates declined.

• Total assets were MM$754,483 at June 30, down 2.23% from year-end; equity rose 3.07% to MM$413,085.

Segment performance

• Mandatory and voluntary commission income drove H1 revenue gains; fund-type commission revenue totaled MM$135,585, with Type C the largest source at MM$47,159.

• Encaje returns totaled MM$35,684; Type C contributed MM$12,166, Type A MM$11,771, Type B MM$9,008, Type D MM$2,573 and Type E MM$167.

• Voluntary pension savings assets held a 37.01% share of AFP-system balances; freely available voluntary savings held 34.18%, and voluntary-affiliate savings held 15.84%.