Inversiones La Construcción (ILC) investor relations material

Portfolio scale and strategy

• From 2015 to Jun-26, assets grew 2.6x to CLP 19,763bn, AUM 2.8x to USD 105.8bn, equity 3.0x to CLP 1,505bn and profit 4.2x to CLP 330bn.

• Strategy is built around growth, profitability, solvency and flexibility, with a stated purpose of creating social and economic value that improves quality of life.

• Jun-26 LTM recurring net income contributions: pensions 29.5%, financial 16.0%, health 19.5% and other 9.4%, alongside contributions from individual businesses.

• Jun-26 standalone net financial debt was CLP 434.8bn, NFD/equity 0.31x and liquidity CLP 119.1bn; local ratings AA+ and international ratings BBB+.

• Stock return was 139.1% in 2025 and 40.3% in 2026 YTD through Sep-17, versus IPSA returns of 55.4% and 8.6%; 2026 YTD dividend yield was 4.7%.

Financial sector

• Banco Internacional loans reached USD 5.0bn in Jun-26, 5.4x the 2015 level; loan CAGR was 18% versus 2.0x industry growth.

• Stable funding sources financed 90% of prior-year loan growth; priorities include growing retail funding, expanding large corporate relationships and digital onboarding.

• Confuturo AUM doubled from Dec-15 to Jun-26; its Jun-26 portfolio included 27% alternative investments, comprising funds and real estate.

• At Jun-26, the annuity rate was 3.31% versus a 2.84% programmed withdrawal rate; preference was 31.4% for annuities and 68.6% for programmed withdrawals.

• Pension operations span Chile, Colombia and Peru, with 4.4m affiliates and five new companies since 2019; strategic priorities include voluntary savings, efficiency and pension-reform implementation.

Healthcare sector

• The healthcare platform includes RedSalud, with 10 hospitals, 25 medical centers and 45 dental centers; its network reported 848 beds and 1,136 outpatient consulting rooms.

• RedSalud EBITDA was CLP 56.0bn in 6M26, versus CLP 50.5bn in 6M25; 50% of revenue was from Fonasa and more than 60% of patients were covered by Fonasa.

• RedSalud’s 2025-30 strategy targets completion of its national network, patient loyalty, preventive medicine, service diversification and financial sustainability.

• Vida Cámara individual beneficiaries reached 65k in Jun-26, up 2.9x from Dec-21; individual insurance growth includes coverage for patients insured under RedSalud agreements.