Quálitas Controladora S.A.B (Q) Corporate Presentation summary

Corporate profile and strategy

• Over 30 years in the industry, with 18 years as market leader and presence in 6 countries across the Americas.

• Operates with over 25,000 agents and 593 service offices, emphasizing risk, accident, and fraud prevention.

• Business model features vertical integration, optimizing costs and enhancing risk prevention and information analysis.

• Focus on technological innovation, in-house systems, and rapid claim officer response times averaging 25-26 minutes.

• Strategic goals include strengthening leadership in Mexico, accelerating subsidiary growth, and expanding into health and medical insurance.

Competitive advantages and sustainability

• Utilizes data analysis, telematics, GPS, and driver training to prevent accidents and fraud.

• Operational efficiency supported by exclusive call center, Google Maps partnership, and digital tools for claims and vehicle inspection.

• 43% of fleet is hybrid, 90% of processes are paperless, and solar panels are used in select offices.

• Social initiatives include responsible driving campaigns and support for over 50 NGOs.

• Governance highlights: 40% women employees, 67% independent board members, and inclusion in major sustainability indices.

Financial performance and value creation

• Written premiums grew 12.9% YoY in 2Q25 to MXN 17,414 million; net result up 1.7% to MXN 1,407 million.

• Operating margin at 5.6% and net margin at 8.1% for 2Q25; ROE (12M) reached 26.5%.

• Combined ratio improved to 92.8% in 2Q25, with loss ratio at 63.1% and acquisition ratio at 24.1%.

• Total assets increased 18.4% YoY to MXN 110,835 million; stockholders' equity up 13.4% to MXN 24,122 million.

• Dividend of MXN 4 billion approved for 2025, to be paid in two installments.