Fideicomiso Irrevocable F/2061 · BIVA:FHIPO/14
Fideicomiso Irrevocable F/2061 — FHipo (Fideicomiso Hipotecario F/2061) — Q3 2025 Earnings Presentation
23 slides from Fideicomiso Irrevocable F/2061's earnings presentation, Oct 24, 2025
Slide 1: 3rd Quarter 2025 Results
3rd QUARTER 2025 RESULTS October 24th, 2025 Investor Relations T: +52 (55) 4744 1100 investorrelations@fhipo.com www.fhipo.com [ENGLISH TRANSLATION FOR INFORMATION PURPOSES ONLY, IN THE EVENT OF ANY CONFLICT, THE SPANISH TEXT SHALL PREVAIL]
Slide 2: Index
Index 1. Performance and Achievements during the Quarter 2. Leverage Strategy 3. Portfolio Breakdown 4. Quarterly Financial Results and Key Metrics Appendix. Financial Statements
Slide 3: 1. Performance and Achievements during the Quarter
1. Performance and Achievements during the Quarter
Slide 4: Strategic Highlights
Strategic Highlights Commitment to delivering profitability for our investors Throughout its history, FHipo has maintained a solid financial performance, 1 consistently delivering distributions to its investors, with more than Ps. 7,200.0 (1) million distributed as of 3Q25. Strong Capitalization Pro
Slide 5: Consistent Distributions Reflect an Investor-Focused Strategy
Consistent Distributions Reflect an Investor-Focused Strategy As of 3Q25, FHipo has distributed over Ps. 7,200.0 million to its CBFI holders The estimated distribution for 3Q25, subject to the current Distribution Policy, is Ps. 0.356 (1) per CBFI, which considers FHipo’s available cash. Considering
Slide 6: Robust Financial Margin and Solid Capitalization Profile
Robust Financial Margin and Solid Capitalization Profile Balance sheet optimization and financial margin performance The strategic optimization of the balance sheet (deleveraging equivalent to 90% of capital -0.9x- from 3Q19 to 3Q25) and a solid financial margin (56.8% as of 3Q25) are the outcome of
Slide 7: Focus on Assets with Higher Profitability
Focus on Assets with Higher Profitability FHipo’s strategy focuses its origination and asset acquisition efforts on assets with an attractive risk-adjusted return profile. In recent years, we have not only prioritized origination through digital mortgage platforms but have also adjusted our originat
Slide 8: Portfolio Origination Historical Cumulative
Cumulative Non-Performing Loan Ratio over Total Origination Balance (1) As of 3Q25, the non-performing loan portfolio, measured against the cumulative balance of the total portfolio at origination, represented 3.04%, reflecting the portfolio’s historical performance. (Figures in millions of pesos, P
Slide 9: FHipo's ESG Practices
FHipo’s ESG Practices Social Corporate Governance Environmental ✓ Contribution to the acquisition of more than ✓ Since FHipo’s creation in 2014, the ✓ Infonavit’s Green Mortgage Program: 100,000 homes. Management Team has adopted best – Additional loan amount available to ✓ Portfolio distribution by
Slide 10: 2. Leverage Strategy
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Slide 11: Diversified Sources of Funding
Diversified Sources of Funding Securitizations Short-Term Unsecured Bonds Warehousing Facilities Long-Term Covered Bonds Issuance of securities / certificates Issuance of securities / certificates Credit facility granted by a private Issuance of securities / certificates by an issuing trust, with mo
Slide 12: Consolidated Funding Breakdown as of 3Q25
Consolidated Funding Breakdown as of 3Q25 (1) More than 70% of financings have a legal maturity greater than 20 years... (Figures in millions of pesos, Ps.) (4) Funding Structures Type of Funding Benchmark Rate Margin Maximum Amount Amount Withdrawn Legal Maturity CDVITOT 14U 2.49% (real)(2) - - $11
Slide 13: 3. Portfolio Breakdown
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Slide 14: FHipo's Portfolio Figures as of 3Q25
FHipo’s Portfolio Figures as of 3Q25 Portfolio as of 3Q25 Total Mortgage Outstanding Payment-To-Income Performing Loan-To-Value (LTV) Loans Principal Balance (PTI) (2) Portfolio at Origination (3) (million) (1) 47,543 $17,840 24.4% 92.4% 77.2% Infonavit Total (VSM) Outstanding Balance: $814 (4) Digi
Slide 15: Portfolio Distribution
Portfolio Distribution By Loan-to-Value (LTV) By borrowers' income in VSM at loan origination date at loan origination date By origination program (1) (As % of total loans within the consolidated portfolio) (As % of total loans within the consolidated portfolio) (As % of the total consolidated portf
Slide 16: Portfolio Distribution (Cont.)
Portfolio Distribution (Cont.) INFONAVIT Portfolio FOVISSSTE Portfolio Digital Mortgage Platforms Portfolio By borrower’s salary in VSM at loan origination By borrower’s salary in VSM at loan origination By borrower’s income in VSM at loan origination (As % of total loans within the portfolio) (As %
Slide 17: Portfolio Coverage
Portfolio Coverage Loan Reserve Coverage on Consolidated Portfolio (“CP”) as of the 3Q25 (1) Expected Loss Coverage (“EL”) (2) = 1.43x NPLs Coverage = 0.58x 7.61% 7.61% 4.44% 4.44% 3.12% 3.12% (2) (3) EL EL Coverage NPLs NPLs Coverage NPLs distribution as a % of the total NPLs as of 3Q25 (3) 1.31% 1
Slide 18: 4. Quarterly Financial Results and Key Metrics
4. Quarterly Financial Results and Key Metrics
Slide 19: Quarterly Financial Results
Quarterly Financial Results Estimated Estimated distribution subject to the current Distribution Policy of Ps. 0.356 (1) Ps. 0.356 per CBFI, considering 3Q25 available cash. Distribution 3Q25 Financial Leverage Dividend Yield Capitalization Debt / Equity (5) Margin (2) Capacity (3) per CBFI (4) Rati
Slide 20: Appendix. Financial Statements
Appendix. Financial Statements
Slide 21: Balance Sheet
Balance Sheet (Figures in thousands of Ps.) 3Q25 3Q24 ASSETS Cash and cash equivalents $3,677,687 $974,472 Debt securities 173,527 0 Loans, net 8,865,620 10,037,553 Collection rights, net 98,474 93,783 Receivable benefits in securitization transactions 2,101,301 3,039,362 Accounts receivables and ot
Slide 22: Income Statement
Income Statement (Figures in thousands of Ps., except net income per CBFI) Quarter to Quarter 3Q25 3Q24 REVENUES Interests on mortgage loans $260,887 $303,995 Investment income 57,552 28,515 Total net interest income 318,439 332,510 Financing interest expenses (137,675) (160,375) Financial margin 18
Slide 23: Disclaimer
Disclaimer This document was produced for informational purposes only, for the exclusive use of the recipient. It should be understood as informational and should not be considered as a basis for any investment or financial transaction, consequently FIDEICOMISO HIPOTECARIO F/2061 (“FHipo”, the “Comp
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