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

Executive summary

• Operating revenues rose 3.0% year-over-year to CLP 68,180 million, driven by higher commissions from mandatory and voluntary savings.

• Net profit for the quarter was CLP 32,011 million, down 4.0% compared to the same period last year, mainly due to lower returns on obligatory reserves.

• The company maintained its leadership in managed balances, with assets under management reaching CLP 58.5 trillion, a 13.7% increase from December 2024.

• Recognized as the most profitable AFP since the creation of multi-funds and ranked highly in corporate reputation and social responsibility.

Financial highlights

• EBITDA was CLP 48,358 million, down 1.3% year-over-year; EBITDAR increased 17.4% to CLP 46,924 million.

• Operating expenses decreased by 4.2% to CLP 26,092 million, reflecting efficiency improvements.

• Employee expenses fell 10.9% year-over-year, mainly due to lower short-term benefits and administrative salaries.

• Depreciation and amortization expenses increased by CLP 460 million, primarily from IT investments.

• Tax expenses rose 3.0% to CLP 11,708 million.

Outlook and guidance

• The company continues to focus on operational efficiency and maintaining its market leadership in managed assets.

• Ongoing geopolitical and market volatility may impact future returns, especially for riskier funds.