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

Executive summary

• Net profit for 2025 reached CLP 168,951 million, up 20.6% year-over-year, driven by higher returns on pension fund reserves and increased commission income.

• Ordinary revenues rose 4.7% year-over-year to CLP 263,248 million, mainly from higher commissions on mandatory savings.

• Maintained leading market share in total assets under management at 26.9% as of December 2025, with assets under management rising 15.6% to CLP 58.6 trillion.

• Maintained top positions in pension fund returns, with Fund A ranking 1st over 36 months and strong real annual returns across all funds.

Financial highlights

• EBITDA increased 18.3% to CLP 246,128 million year-over-year.

• Profitability of the obligatory reserve nearly doubled, up 96.9% year-over-year to CLP 79,654 million.

• Total assets increased 15.3% year-over-year to CLP 771.7 billion CLP.

• Market cap rose 93.8% since 2010, reaching $1.93 billion USD.

• Operating expenses increased 9.5% to CLP 111,029 million, with employee expenses up 10.5% to CLP 60,701 million.

Outlook and guidance

• Continued focus on growing assets under management and maintaining market leadership.

• Positive pension fund returns expected to continue, supported by favorable local and global market conditions.

• Anticipated further monetary policy rate cuts in Chile in 2026, potentially benefiting fixed income returns.

• Emphasis on improving operational efficiency and contributor base.