Inversiones La Construccion Sa · BCS:ILC

Inversiones La Construccion Sa — Investor Presentation (March 2025)

63 slides from Inversiones La Construccion Sa's investor presentation, March 2025

  1. Slide 1: Corporate Presentation March 2025

    Corporate Presentation March 2025 /2025MAR. MAR. /2025 1

  2. Slide 2: Disclaimer

    DISCLAIMER Forward-looking statements are based on the beliefs and assumptions of ILC’s management, and on information currently available. They involve risks and uncertainties because they relate to future events and therefore depend on circumstances that may or may not occur in the future. Investo

  3. Slide 3: Agenda

    AGENDA 1 ILC at a Glance 2 Advances In Regulatory Changes 3 Zoom-in by Division 4 Closing Remarks 5 MAR. /2025 3

  4. Slide 4: ILC at a Glance

    CHAPTER ILC AT A GLANCE 01 ENE. /2024 4

  5. Slide 5: ILC at a Glance: Lean structure under leading position in financial and health sectors

    Lean structure under leading position in ILC AT A GLANCE financial and health sectors Listed at Santiago Stock Exchange: Float 67.6% 32.4% FINANCIAL SECTOR HEALTH SECTOR Pension Fund Managers Life Insurance Bank Hospitals, Outpatient and Mandatory Health Supplemental Health Dental Centers Insurance

  6. Slide 6: ILC at a Glance: Leaders in social and economic value

    ILC AT A GLANCE BE LEADERS IN THE CONSTRUCTION OF SOCIAL AND ECONOMIC VALUE THAT IMPROVES PEOPLE'S QUALITY OF LIFE WHO? WHAT? HOW? + 9.5 million Beneficiaries 4 Industries 5 Pillars (~1mm people over 60) Growth Profitability 3 COUNTRIES Health Pensions Flexibilty Focus on the Strong Financial aging

  7. Slide 7: ILC in Numbers

    ILC IN NUMBERS 347 th pensioners 1 million Health policyholders 5.5 +5 million million Medical consultations performed Second largest manager of pension Pension fund funds in the Andean members Region 98 th Largest private health USD 83 bn. Assets under insurer and healthcare Surgeries performed man

  8. Slide 8: Consistent Growth and Diversification Since Our IPO

    CONSISTENT GROWTH AND DIVERSIFICATION SINCE OUR IPO 2012 2024 Assets Ch$ bn 1,055 15.6x 16,490 AUM US$ bn 22.3 3.9x 83,2 Equity Ch$ bn 428 2.6x 1,131 Beneficiaries MM 3.9 2.5x 9.7 Industries 2 2x 4 Employees +10,500 1.4x +15,000 MAR. /2025 FX: CLP/USD 950 Source: ILC 8

  9. Slide 9: Consistent Returns Over Time and Double Digit ROAE

    CONSISTENT RETURNS OVER TIME AND DOUBLE DIGIT ROAE PROFIT AND ROAE ILC 19.0% 18.4% 14.3% 14.5% 49.6% 18.3% 13.8% 12.0% 10.8% 12.0 10.6% 17.0% 19.6% 14.0% % Recurring Profit Extraordinary Profit / Loss (1) 222.8 21.9 12.3 182.6 180.6 129.4 146.6 83.0 62.5 69.2 72.5 71.9 90.3 91.0 86.5 88.4 ( 32.4) 20

  10. Slide 10: Profit Diversification: New Industries & Geographies

    PROFIT DIVERSIFICATION: NEW INDUSTRIES & GEOGRAPHIES ILC 2027 TARGET Annuities Pensions ILC’s Recurring Profit(1) Contribution by Subsidiary (2012) Pensions 3.7% 79.3% 16.2% Financial 0.7% Health Profit Growth 2012- 2024(2) Z Banking Health 2.2X ILC Recurring Profit(2) Contribution by Subsidiary (20

  11. Slide 11: Consistent and Attractive Dividend Yield

    CONSISTENT AND ATTRACTIVE DIVIDEND YIELD DIVIDENDS PER SHARE AND DIVIDEND YIELD ILC 2013 -2024 Ch$ 750 631 650 ILC’s Average Dividend 600 Yield 518 2013-2024 449 450 19.8% 450 7.6% 370 350 330 8.3% 8.6% 223 7.0% 11.7% 7.1% Distributed since IPO 5.6% 6.1% 5.4% 5.0% 4.0% 2.7% 4.4% Ch$5,951 Per Share (

  12. Slide 12: Outpacing the Index: Profitability Has Outperformed IPSA

    OUTPACING THE INDEX: CONSIDERING DIVIDENDS, PROFITABILITY HAS OUTPERFORMED IPSA % EVOLUTION OF ILC STOCK PRICE VS IPSA(1) (SINCE IPO IN 2012) 250 200 Stock price profitability adjusted by dividends 150 IPO 2012 - Mar 2025 100 • ILC: +156.1% 50 • IPSA: +67.7% - 2012 2013 2014 2015 2016 2017 2018 2019

  13. Slide 13: This Has Been Driven by Our 5 Pillars Strategy

    THIS HAS BEEN DRIVEN BY OUR 5 PILLARS STRATEGY MAR. /2025 13

  14. Slide 14: Our Fundamental Pillars to Achieve Consistency

    OUR FUNDAMENTAL PILLARS TO ACHIEVE GROWTH CONSISTENCY ESG PROFITABILITY Our Propose: Be leaders in the construction of social and economic value, that improves people’s quality life STONG FLEXIBILITY FINANCIAL POSITION MAR. /2025 14

  15. Slide 15: Presence in Industries That Exceed GDP Growth

    PRESENCE IN INDUSTRIES THAT EXCEED GDP GROWTH Growth CAGR 1994-2004 CAGR 2004-2014 CAGR 2014- 2024 PENSIONS 14.2% 11.5% 6.3% AUM Chilean Pension Funds Industry ANNUITIES 17.4% 9.9% 9.1% AUM Life Insurance Industry BANKING(1) Total Loans 13.2% 12.3% 7.2% HEALTH Current Health Expenditure 9.0%(2) 10.8

  16. Slide 16: Complemented Our Businesses Through Self-Financed Acquisitions

    WE HAVE COMPLEMENTED OUR BUSSINESSES THROUGH SELF-FINANCED ACQUISITIONS Growth 1980 … 2012 2015 2018 2021 2024 IPO SUCCESSFUL M&A AND DIVESTITURES Increased Acquisition Acquisition Partnership Acquisition Acquisition Acquisition Stake (2013) (2015) (2016) (2019) (2022) (2023) (2024) Multiple (P/B) M

  17. Slide 17: From Growing with Middle-Income Population to Growing with Ageing

    FROM GROWING TOGETHER WITH THE MIDDLE-INCOME POPULATION TO GROWING ALONGSIDE A Growth DEMOGRAPHIC SHIFT DEFINED BY AGEING ESTIMATE EVOLUTION OF THE CHILEAN EVOLUTION OF THE CHILEAN MIDDLE-INCOME POPULATION(1) +60Y POPULATION(2) Millions of People 4.5x 12.0 2.1x 6.9 3.3 8.0 2020 2050 4.9 2.7 US$ 9.0x

  18. Slide 18: Successful Turnarounds

    SUCCESSFUL TURNAROUNDS Profitability ILC’s role is in detecting opportunities in efficiency and operational turnaround in our current operations and acquisitions providing strategic guidance to our subsidiaries BANKING PROFIT ANNUITY PROFIT AFP PROFIT HEALTHCARE PROFIT Ch$ bn. Ch$ bn. Ch$ bn. Ch$ bn

  19. Slide 19: Self-Funded Growth (2013-2024)

    SELF-FUNDED GROWTH (2013-2024) Profitability Sources of Funds Uses of Funds USD 1,437 MM USD 1,300 MM Capital Divestments Debt Dividend Dividends Paid Increases in M&A Received Out Subsidiaries USD 298 MM USD 349 MM USD 790 MM USD 598 MM USD 345 MM USD 357 MM MAR. /2025 FX 950 CLP/USD Source: ILC 19

  20. Slide 20: Preparing Our Businesses for Regulatory Changes

    PREPARING OUR BUSINESSES FOR REGULATORY CHANGES Flexibility Health Result Regional & Product Reorganization Diversifying Focus on Financial Hedging & Insurer Diversification Source of Income Business Diversification MAR. /2025 20

  21. Slide 21: Sustained Improvement in Subsidiaries' Risk Ratings

    SUSTAINED IMPROVEMENT IN SUBSIDIARIES’ RISK RATINGS Strong Financial Position 2015 2024 2015 2024 2015 2024 Local Risk Local Risk AA- AA+ Rating A AA Local Risk A- A Rating Rating Int. Risk Rating - BBB 15.3x 14.4x NFD (1)/ 6.7x 3.5x Leverage EBITDA Solvency 14.8% 14.8% Investment Ch$ 87.5 Ch$ 152.1

  22. Slide 22: New Sources of Funding: Access to International Debt Market

    NEW SOURCES OF FUNDING: ACCESS TO INTERNATIONAL DEBT MARKET Strong Financial Position 2012 2024 Local Capital Local Capital Domestic Banks Domestic Banks Market Market 2 Outstanding Bonds 5 Outstanding Bonds Sources of funding Loans Loans UF 2.5 MM UF 5.6 MM Avg. Rate: UF+ 3.9% Avg. Rate: UF + 1.6%

  23. Slide 23: Well-Managed Debt Maturity and Liquidity Position

    WELL-MANAGED DEBT MATURITY AND LIQUIDITY POSITION Strong Financial Position ILC (STANDALONE) AMORTIZATION SCHEDULE LIQUIDITY POSITION (DEC-2024) Ch$ bn. Bank Debt ILC-C ILC-H ILC-I ILC-J ILC-K 144A- Reg S 144A-Reg S 16.7% 300 225 150 Ch$ 135.6 bn. Investment 75 Portfolio Cash & 58.9% Equivalents - 2

  24. Slide 24: Diversified Business Profile and Cash Flow Generation

    DIVERSIFIED BUSINESS PROFILE AND CASH FLOW GENERATION Strong Financial Position ILC’S DIVIDENDS RECEIVED (BREAKDOWN BY SUBSIDIARY) AND ILC’S CASH EQUIVALENTS Ch$ bn. 55.6 59.3 67.6 85.0 116.7 303.5 226.6 135.6 144.0 18.3 5.1 109.8 99.8 76.4 24.5 14.7 76.9 9.8 12.3 49.2 56.7 56.5 21.1 41.9 29.7 21.0

  25. Slide 25: ILC Sustainability Model

    ILC SUSTAINABILITY MODEL ESG Stakeholders Customers Employees Suppliers Investors Regulators Civil Society Sustainability Governance Global Organizations Measuring Tools Reporting Social Commitment Strategy Sustainability Inclusion and Access DJSI GRI Committee Responsible Global Compact & Value Rep

  26. Slide 26: ESG Results Over Time: ILC Positioned 5th Globally

    ESG RESULTS OVER TIME: ILC POSITIONED 5th GLOBALLY IN THE INDUSTRY ESG EVOLUTION OF ILC’S DJSI SCORE(1) +62% ILC’s Entry into the Yearbook 5th Place Globally ILC’s Entry into the DJSI 98 99 96 84 86 74 76 70 73 63 67 49 50 50 45 31 35 25 16 13 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Score

  27. Slide 27: Key Advances in 2024 Towards Our Goals

    KEY ADVANCES IN 2024 TOWARDS OUR GOALS 2024 MILESTONES • Increased stake to 78.2% NEW STAGE • Agreement to increase the stake to 100% within 3Y • First bond issuance on the Swiss market • Total loans grew 16.1% YoY, outperforming the industry’s 3.9% growth Growth in Financial Business • Capital incr

  28. Slide 28: Advances in Regulatory Changes

    CHAPTER ADVANCES IN 02 REGULATORY CHANGES ENE. /2024 28

  29. Slide 29: Pension System Regulatory Changes in Chile

    PENSION SYSTEM REGULATORY CHANGES IN CHILE CURRENT SITUATION PENSION REFORM (MAIN CHANGES) • PGU of Ch$ 250,000(1) • Individual Pillar: • State contribution of Ch$ 214,296 to the poorest 90% (PGU)(1) o 10% of the taxable salary, paid by the employee • Mandatory: 10% of gross salary, charged to the o

  30. Slide 30: Advances in Regulatory Changes – Peru and Colombia

    ADVANCES IN REGULATORY CHANGES – PERU AND COLOMBIA PENSION REFORM IN COLOMBIA • The project presented by the President of Colombia, Gustavo Petro, was approved by Congress on June 14th, 2024 • It introduces a four-pillar system: solidarity, semi-contributory, contributory, and voluntary savings • Th

  31. Slide 31: Isapres: Progress on Regulatory Changes

    ISAPRES: PROGRESS ON REGULATORY CHANGES ISAPRES SHORT LAW DEC/19 DEC/22 MAY/23 AUG/23 MAY/24 SEP/24 OCT/24 Establishment Supreme Court GES Price Ruling Short Law Increased Implementation of Single Superintendency approved of the Single Promulgation All contracts must Presentation Cancellation Factor

  32. Slide 32: Zoom-in by Division

    CHAPTER ZOOM-IN BY 03 DIVISION ENE. /2024 32

  33. Slide 33: Next Phase: Growth in Financial Business

    NEXT PHASE: GROWTH IN FINANCIAL BUSINESS Business Consolidation Growth, Diversification and Turnarounds Growth in Financial Business 2012 2016 2017 2022 2023 2027 Foundation (2012) Acquisition (2013) Acquisition (2015) Acquisition (2016) Increase of participation Divestment MAR. /2025 33

  34. Slide 34: Banking

    MAR. /2025 Banking © Banco . Internacional ILC

  35. Slide 35: Banco Internacional Has Quadrupled in Size

    BANCO INTERNACIONAL HAS QUADRUPLED IN SIZE LOANS US$ bn. Banco Internacional: 4.2x Industry: 1.7x 4.1 Banking 3.5 2.8 3% 2.2 2.5 2.1 9% 2% 1.7 1.0 1.2 88% 1% 97% 2016 2017 2018 2019 2020 2021 2022 2023 2024 Commercial Consumer Mortgages RETAIL BANKING CLIENTS COMMERCIAL BANKING CLIENTS MARKET SHARE

  36. Slide 36: A Differentiated Approach to Commercial Banking

    A DIFFERENTIATED APPROACH TO COMMERCIAL BANKING BANCO INTERNACIONAL MARKET SHARE BY DEBT TRANCHE — COMMERCIAL LOANS Dec 2015 Dec 2024 Banking 5.0% 3.9% 2.2% 2.6% 2.1% 1.5% 0.3% 0.6% 0.6% 0.0% Small and Micro Medium Large Mega Mega+ <US$0.3 million US$0.3 - US$1.5 million US$1.5 - US$6.1 million US$6

  37. Slide 37: Organic Growth: An Expanding Retail Portfolio

    ORGANIC GROWTH: AN EXPANDING RETAIL PORTFOLIO Banking Online Personal Loans New and existing customers can get a personal BANCO INTERNACIONAL RETAIL BANKING CUSTOMERS loan fully online and have the funds available in under 10 minutes N° of Clients 6.0x Digital Credit Cards New customers can get a di

  38. Slide 38: Auto Finance Opportunities in a Growing Market

    AUTO FINANCE OPPORTUNITIES IN A GROWING MARKET AUTOFIN LOAN PORTFOLIO US$ bn. 1.6x(1) Autofin Loans NPLs Since acquisition 305.8 INDUSTRY MARKET SHARE (SEPT-24) Banking Global Eurocapital 174.6 183.9 195.6 Autofin 1.9% 1.0% 5.7% Target GM Market 6.3% 4.6% 2.4% 1.9% 2.4% Share BK 8.2% Forum 2021 2022

  39. Slide 39: Establishing a Robust Funding Structure

    ESTABLISHING A ROBUST FUNDING STRUCTURE FUNDING STRUCTURE 2022 - 2024(1) Ch$ bn. Liquid reserves invested in 3,734 4,448 4,377 Access to local and Chilean government international markets securities and Central Bank instruments Banks 17% 14% 19% In 2023, a US$ 255 MM A/B In July 2024, it issued its

  40. Slide 40: Risk Management Sustains Our Growth in the Retail Segment

    RISK MANAGEMENT SUSTAINS OUR GROWTH IN THE RETAIL SEGMENT NON-PERFORMING LOANS COLLATERAL COVERAGE SOLVENCY RISK RATINGS Banco Internacional Banco Internacional Local (ICR/Feller) Banco Internacional Industry Industry Industry 73.8% 75.6% 75.4% 14.8% 15.8% 15.5% 16.9% A AA/AA 63.5% 68.2% 2015 2024 1

  41. Slide 41: Sustained Growth in Profit

    SUSTAINED GROWTH IN PROFIT BANCO INTERNACIONAL PROFIT & ROAE MAIN TOPICS Ch$ bn. Profit ROAE 2024 – 2027 18.9% 18.2% • Enhanced organic growth featuring 15.8% innovative digital expansion 14.9% 13.9% • Adding inorganic opportunities 13.0% 12.3% • Diversified business model across 10.8% market segmen

  42. Slide 42: Annuities

    MAR. /2025 Annuities confuturo ILC

  43. Slide 43: Annuity Market Maintained High Dynamism

    ANNUITY MARKET MAINTAINED HIGH DYNAMISM ANNUITY INDUSTRY PREMIUMS AND ANNUITY RATE VS PROGRAMED WITHDRAWAL RATE Rate (%) CONFUTURO'S MARKET SHARE Dec. 2024: 5% 14.8% 4.14% UF MM 14.5% ANNUAL 4% GROWTH 3% Dec. 2024: 9.5% 16.1 2% 15.2 +6.2% 1% 3.25% 7.0 - +3.6% 89.6 92.8 2018 2019 2020 2021 2022 2023

  44. Slide 44: Efficient Operational Model and Alternative Investment Portfolio

    A DUAL FOCUS ON AN EFFICIENT OPERATIONAL MODEL AND A PORTFOLIO EMPHASIZING ALTERNATIVE INVESTMENT CONFUTURO’S SG&AS OVER AUM, ANNUITY SALES RATE AND INVESTMENT RATE % 6% Expected investment rate INVESTMENT DRIVERS: 5% 1. Portfolio emphasizing 179 bps alternative investments 2022-2024 Avg 4% 2. Looki

  45. Slide 45: Increasing Asset Allocated to Alternative Investments

    INCREASING ASSET ALLOCATED TO ALTERNATIVE INVESTMENTS CONFUTURO’S TOTAL AUM US$ bn. 1.9x 9.8 9.0 8.3 6.8 7.0 7.4 6.2 6.5 5.9 5.2 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 CONFUTURO’S ALTERNATIVE ASSETS: CONFUTURO’S ALTERNATIVE ASSETS: REAL ESTATE LOCAL AND FOREIGN INVESTMENT FUNDS US$ bn. 1.

  46. Slide 46: Sustained Generation of Results Over Time

    SUSTAINED GENERATION OF RESULTS OVER TIME CONFUTURO PROFIT & ROAE Ch$ mm. MAIN TOPICS 2024 – 2027 26.7% 26.0% • Continue increasing portfolio leveraged in a growing industry • Diversified investment portfolio • Operational leverage: revenues growth with 133.1 14.6% current structure 122.7 12.1% 12.4

  47. Slide 47: Pensions

    MAR. /2025 Vg cco 8 Pensions HABITAT “Ade.aaisA Gos

  48. Slide 48: Consolidating a Regional Model

    CONSOLIDATING A REGIONAL MODEL PENSION ASSETS UNDER MANAGEMENT US$ bn. Pensions 4.0 3.0 16.0 10.2 0.0 47.6 53.4 21.1 23.6 2012 2013 2019 2024 PENSION AFFILIATES N° of People 1.0 1.0 2.8 2.7 0.1 2.1 2.1 1.9 1.8 2012 2013 2019 2024 MAR. Chile Colombia Peru /2025 FX: 950 CLP/USD; 4,000 COP/USD; 3.8 PEN

  49. Slide 49: Consolidating a Regional Model: Returns and Efficiency

    CONSOLIDATING A RETURNS AND EFFICIENCY REGIONAL MODEL INVESTMENT AUM TAXABLE INCOME EFFICIENCY(1) RETURNS #1 #1 USD 56.2 bn. In 4 funds (L5Y) #2 36.1% USD 4.0 bn. #1 #4 In 3 funds (L5Y) #1(2) 53.7% #2 #3 USD 16.0 bn. In 1 fund (L5Y) #2 64.3% #2 in Andean Region with 5.5 million affiliates and IMPROV

  50. Slide 50: Growing Voluntary Retirement Savings with Prudential and AFP Habitat

    GROWING VOLUNTARY RETIREMENT SAVINGS BASED ON ALLIANCE WITH PRUDENTIAL AND AFP HABITAT PRUDENTIAL AGF - AUM PRUDENTIAL AGF - CLIENTS US$ MM No. of Clients Pensions 50 44 46 44 38 40 1,752 1,868 34 36 37 1,679 1,483 1,538 1,319 24 1,116 1,196 22 988 17 723 850 596 PRODUCTS LOCAL PLATFORM INTERNATIONA

  51. Slide 51: Growth in Profit: Stability in Chile and AAISA Gaining Relevance

    GROWTH IN PROFIT: STABILITY IN CHILE AND AAISA GAINING RELEVANCE EVOLUTION OF AFP HABITAT CHILE’S PROFIT Ch$ bn. MAIN TOPICS 2024 – 2027 135.1 128.7 129.9 131.6 140.1 90.9 108.8 • Andean Region Consolidation • Focus on increasing taxable income 2018 2019 2020 2021 2022 2023 2024 per contributor and

  52. Slide 52: Health

    MAR. /2025 QD VIDACAMARA ILC

  53. Slide 53: Our Healthcare Model

    OUR HEALTHCARE MODEL • Largest private network in Chile • Close relationship with the public insurer • Relevant size in inpatient, outpatient and dental • Know-how in individual and • Know-how in group health supplementary health insurance and relationship with insurance companies • Relationship dev

  54. Slide 54: Success in Initial Three Phases of Our 2025 Vision

    SUCCESS IN INITIAL THREE PHASES OF OUR 2025 VISION Phase 1 Phase 2 Phase 3 Phase 4 ACTIVITY INDICATORS MM MEDICAL CONSULTATIONS +42% 5.4 3.8 REDESIGN OF CONSOLIDATION OF INSTITUCIONAL NETWORK THE NETWORK THE HEALTH ORGANIZATION CONSOLIDATION BUSINESS NETWORK MEDICAL ROADMAP 2017 2024 DENTAL SERVICES

  55. Slide 55: Developing a Strategic Plan Across the Entire Network

    DEVELOPING A STRATEGIC PLAN ACROSS THE ENTIRE NETWORK 1. • Development of specialty centers: Cardiovascular Center and Cancer Institute COMPREHENSIVE & • Primary care model focused on early diagnosis INSTITUTIONAL CARE, • Focus on quality: 100% accreditation of our hospitals and THROUGHOUT OUR NETWO

  56. Slide 56: Reducing Regulatory Risk by Diversifying Sources of Income

    REDUCING REGULATORY RISK BY DIVERSIFYING SOURCES OF INCOME REVENUE BREAKDOWN BY INSURER REDSALUD EBITDA BY CENTER TYPE 2015 2024 13% 15% 13% 16% 20% 22% 20% 25% 23% 19% 16% 30% Future growth will come 29% 23% from outpatient healthcare 29% 28% 28% 37% 45% 27% 36% 41% 48% Ch$ 27.2 41% bn. Ch$ 87.0 bn

  57. Slide 57: Anticipating Changes in the Industry's Mix of Beneficiaries

    ANTICIPATING CHANGES IN THE INDUSTRY’S MIX OF BENEFICICIARIES TOTAL BENEFICIARIES CONSALUD + VIDA CÁMARA Th. Beneficiaries #3 Contributors #3 329 347 349 361 CAGR 2014-2024 291 394 263 282 635 530 Vida Cámara: 159 14.8% Consalud: 685 707 721 708 698 (2.9%) Beneficiaries #4 666 666 666 644 517 494 Pr

  58. Slide 58: Healthcare and Insurance Hedging Strategy

    HEALTHCARE AND INSURANCE HEDGING STRATEGY Ch$ bn. HEALTH SECTOR NET PROFIT Consalud (IFRS) RedSalud Vida Cámara (Health Sector) Loss due Liability from the Short Law of Isapres 47.6 1.1 4.6 17.7 15.4 1.1 5.9 1.0 2.4 5.7 7.1 3.3 31.0 9.8 21.2 17.9 16.0 5.8 1.3 (5.3) ( 21.4) ( 17.1) 9.6 ( 8.0) (1.1) (

  59. Slide 59: Our Healthcare Model 2027

    OUR HEALTHCARE MODEL 2027 Organic growth Insurers serving Consolidation of the together with demand to the healthcare network demographics healthcare facilities Analyze potential Using and working with Flexible organizations to alliances the data generated adapt to regulatory changes MAR. /2025 59

  60. Slide 60: Closing Remarks

    CHAPTER CLOSING 04 REMARKS ENE. /2024 60

  61. Slide 61: Strategic Plan and 2027 Goals

    STRATEGIC PLAN AND 2027 GOALS Organic growth Organic growth with Consolidation of leveraging market Potential 4th market digital approach healthcare network opportunities Scale retail financing Economic value in Flexibility to adapt to Voluntary savings base spread regulatory changes Andean region D

  62. Slide 62: Next Phase: Growth in Financial Business

    NEXT PHASE: GROWTH IN FINANCIAL BUSINESS Business Consolidation Growth, Diversification Growth in Financial Business and Turnarounds 2012 2016 2017 2022 2023 2027 target Profit Ch$60- 80 bn Ch$90-120 bn Ch$150-200 bn ROE 15-18% 12-15% 13-17% MAR. /2025 62

  63. Slide 63: MAYO

    MAYO /2024 63

Inversiones La Construcción S.A. (ILC) — Investor Presentation (March 2025) on 6ix