Slide 1: Breakfast 4Q-2025
Breakfast 4Q-2025 F e b r u a r y 2 7 th, 2 0 2 6 1
Slide 2: Cautionary Statement
C A U T I O N A R Y S TAT E M E N T These webcasts, presentations and transcripts contain "forward-looking statements," relating to, among other things, future operating and financial results, project performance, expenses, the impact of acquisitions and divestments, business strategy and any restru
Slide 3: Highlights 4Q25
Highlights 4Q25 3
Slide 4: Retailers maintaining momentum, online GMV growing 16% YoY
HIGHLIGHTS 4Q25 Our retailers are maintaining their momentum showing solid topline growth, with total online GMV1 growing 16% YoY Revenue Var (%, vs 4Q24) (local currency) 18.0% 19.0% 15.6% 14.4% 10.0% 8.2% 6.7% 8.2% 6.7% 10.1% 8.8% 7.6% 6.1% 2.7% -3.4% Chile Peru Colombia Online Chile Peru Online C
Slide 5: Building the leading digital bank of the Andean region
HIGHLIGHTS 4Q25 Building the leading digital bank of the Andean region1 Loan portfolio Credit card & passive account openings (#) Stock (US$ MM) Var vs 4Q24, in local currency 8% 801.915 863.137 18% Credit Card 8.353 52% 52% Passive Account 7.066 29% 19% 8% 11% 48% 48% Chile Peru Colombia Mexico 4Q2
Slide 6: Strategy enhanced profitability across five growth engines during 4Q25
HIGHLIGHTS 4Q25 Our strategy has allowed to enhance profitability across our five growth engines during 4Q25 EBITDA margin (%) 81.2% 77.1% 16.3% 15.1% 13.6% 14.1% 12.3% 12.7% 8.6% 9.0% 7.9% 7.8% 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 6
Slide 7: Throughout 2025, profitability improvements through our strategy
HIGHLIGHTS 4Q25 And throughout 2025, we continued to drive profitability improvements through our strategy EBITDA margin (%) 80.5% 77.0% 22.4% 16.3% 14.6% 11.9% 8.2% 7.3% 7.8% 6.4% 6.9% 5.2% 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 7
Slide 8: EBITDA evolution
HIGHLIGHTS 4Q25 EBITDA evolution (US$ MM) 15.1% 14.9% 15.1% 14.1% 13.2% 647 11.2% 11.6% 10.0% 10.4% 9.4% 551 519 521 8.0% 6.8% 6.7% 456 6.0% 5.2% 4.6% 358 364 322 322 327 270 247 197 140 155 200 Our strategy 1Q2022 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 allows us
Slide 9: Banco Falabella: Paving the Way to Become the #1 Digital Bank
BANCO FALABELLA Juan Manuel Matheu Paving the Way to Become the #1 Digital Bank in Our Markets
Slide 10: Mobile first approach with best benefits will keep delivering profitable growth
Our mobile first approach combined Active customers with the best benefits will keep on Loan portfolio growth delivering profitable growth México 0.6 million 28.8 B +29% YoY Colombia US$ credit / debit card purchases in 2025 1.7 million +19% YoY +11% YoY Perú 1.7 million 8.4 B US$ loan portfolio +8%
Slide 11: Our strategy is suited to bring profitable growth
Our strategy is suited to bring profitable growth Simple, intuitive Mobile-first Gen AI based 24/7 Accurate risk prediction Decoupled modular and products enhanced experience with a customer service and personalized API oriented by the best benefits strong presence in our complemented with offers le
Slide 12: Our strategy has outperformed the market
Our strategy has outperformed the market Credit card Current Debit card Consumer Branches Credit cards purchases accounts purchases loans (#; Dic-25) (# ´000; Nov-25) ($MMM; Nov-25 YTD) (# ´000; Nov-25) ($MMM; Nov-25 YTD) ($MMM; Nov-25) +3% CAGR +15% CAGR +36% CAGR +34% CAGR +3% CAGR -12% CAGR 2.783
Slide 13: Chile: Healthy portfolio growth, increasing principality and net profit
Chile: We resumed healthy portfolio growth while increasing principality and net profit Purchase growth resumed (USD MM) Recovery in loan portfolio growth (USD MM) +20% +19% On us On them 22.311 5.413 18.627 4.934 4.555 13% 4.312 4.324 4.348 14.884 16.069 3.618 7.102 11.481 29% 7.549 87% 71% 2019 20
Slide 14: Peru: Improving returns based on increasing customer engagement
Peru: Improving returns based on increasing customer engagement Purchase growth resumed (USD MM) Recovery in loan portfolio growth (USD MM) +12% On us On them +8% 2.994 1.184 1.133 1.134 2.507 2.553 2.668 990 1.049 1.993 2.057 46% 802 855 1.571 58% 54% 42% 2019 2020 2021 2022 2023 2024 2025 2019 202
Slide 15: Colombia: Consolidating a fast turnaround
Colombia: Consolidating a fast turnaround Recovery in purchases growth (USD MM) Regaining loan growth (USD MM) +13% On us On them +11% 2.657 1.808 2.420 2.389 2.353 27% 1.358 1.493 1.442 1.730 1.297 1.353 1.010 993 1.178 37% 73% 63% 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 20
Slide 16: Falabella Soriana in Mexico and insurance brokerage set for growth
Falabella Soriana in Mexico and our insurance brokerage business are set for growth Mobile-first and benefit-based value We offer our insurance products proposition has shown traction in embedded in our different ecosystem Mexico formats Purchases (USD MM) CAGR 840 +32% 642 509 358 159 169 225 2019
Slide 17: Key takeaways
Key takeaways Our value proposition Our ecosystem customer base, Already leveraging Gen has traction among benefits and data generate a AI to offer high quality customers distinctive competitive 24/7 customer support advantage We are well positioned to grow in all businesses and countries we operate
Slide 18: Contact
E-MAIL inversionistas@falabella.cl WEBSITE investors.grupofalabella.com