Ripley Corp (RIPLEY) investor relations material

Business overview and financial highlights

• Operates in Chile and Peru with diversified revenue streams from retail, banking, and real estate, generating USD 2.4 bn in revenue and USD 4.6 bn in assets as of June 2026.

• Over 18,000 employees and more than 65 years of experience, with a strong omnichannel presence and 71 retail stores, 75 bank branches, and 8 shopping centers.

• EBITDA reached USD 269 mn, with 63% from Chile and 37% from Peru; digital sales account for 26.7% of total sales.

• Real estate segment doubled GLA and increased EBITDA contribution, while retail and banking focused on margin expansion and risk control.

Operational performance and strategy

• Retail operations became more efficient and profitable, with Peru's relevance increasing and EBITDA rising by CLP 54 bn between 2019 and 2025 despite fewer stores.

• Omnichannel strategy led to renewed digital growth, with online GMV up 10.8% YoY and over 1,200 pickup points in Chile.

• Banking segment saw strong loan growth in Chile and improved risk and profitability metrics in Peru, with historically low NPL levels.

• Real estate focused on large-scale shopping centers with high occupancy rates and ongoing expansion projects in Curicó and Arequipa.

Financial structure and capital markets

• Adjusted non-banking EBITDA surpassed 2019 levels, supporting a reduction in leverage to 4.28x and a credit rating upgrade from "A" to "A+".

• Trading liquidity and market capitalization increased significantly, with shares added to major indices and average daily traded volume rising to USD 1.9 mn in 2026.

• Capex plan for 2026 increased by 28% to CLP 49,257 mn, mainly allocated to banking and retail, with a well-spread debt maturity profile.

• Funding structure strengthened by growth in deposits and checking accounts, reducing funding costs.