Afp Habitat Sa · BCS:HABITAT
Afp Habitat Sa — Q3 2025 Earnings Presentation
12 slides from Afp Habitat Sa's earnings presentation, September 2025
Slide 1: Company Presentation Q3-2025 Results
Company Presentation Q3-2025 Results September 2025
Slide 2: Key Indicators
Key Indicators Habitat Contributors [Q] Habitat Contributors Market share [%] Average Base Salary [clp] -0,7% +7,8% -2,9% 16,5% 15,8% 1.587.273 1.472.096 sept-24 sept-25 sept-24 sept-25 sept-24 sept-25 Total AUM [MM clp] APV AUM [MM clp] CAV AUM [MM clp] +11,9% +11,0% +7,6% 57.580.706 2.175.583 836.
Slide 3: Income Statements
Income Statements Current Exercise Last Exercise Dif % INCOME STATEMENT [M$ clp] Sep 2025 Sep 2024 Sep 25 / Sep 24 Ordinary Revenues 196.496.564 187.068.841 5,0% Employee related Expenses (less) -43.457.957 -40.419.649 7,5% Other operating expenses (less) -28.965.506 -26.632.747 8,8% Depreciation an
Slide 4: Financial Indicators
Financial Indicators REVENUES [MM clp/ Year] EBITDAR [MM clp/ Year] +5,0% 251.523 0,0% 239.425 187.069 196.497 163.784 167.624 125.067 125.069 dic-23 sept-24 dic-24 sept-25 dic-23 sept-24 dic-24 sept-25 EBITDA [MM clp/ Year] NET PROFIT [MM clp/ Year] +12,1% +13,8% 197.029 208.069 194.776 173.783 140
Slide 5: AFP Habitat: Nominal Return on Investment Chile
AFP Habitat: Nominal Return on Investment Chile 3rd place for D and E Funds, and 4th place for A Fund and 5th place for B and C Funds in the last 36 months (Octuber 2022 – September 2025). Fund E Fund A Fund B Fund C Fund D AFP Most Most Risky Risky Intermediate Conservative Conservative Capital 13,
Slide 6: Revenues Breakdown
Revenues Breakdown Current Exercise Last Exercise VAR VAR % Ordinary Incomes [$MM clp] Sep 2025 Sep 2024 Sep 25/ Sep 24 Sep 25/ Sep 24 Total Fees Revenues 196.471 186.977 9.494 5,1% Fees form Mandatory Contributions[8] 181.824 173.238 8.586 5,0% Fees for APV 468 442 26 5,9% Fees for CAV 4.766 4.419
Slide 7: Operating Expenses Breakdown
Operating Expenses Breakdown Current Exercise Last Exercise VAR VAR % Employee Expenses [$MM clp] Sep 2025 Sep 2024 Sep 25 / Sep 24 Sep 25 / Sep 24 Administrative Staff Wages and Salaries -20.693 -19.847 846 4,3% Sales Staff Wages and Salaries -13.108 -11.734 1.374 11,7% Short – term Employee Benefi
Slide 8: Balance
Balance ASSETS [M$ clp] Current Exercise Sep 2025 Last Exercise Sep 2024 Dif %Sep 25/ Sep 24 LIABILITIES AND EQUITY [M$ clp] Current Exercise Sep 2025 Cash and Equivalents, 58.168.254 || 55.625.137 Financial assets at fair value through profit or loss 89.018.610 || 70.053.019 Commercial Debtors and
Slide 9: Industry Overview: AFP Habitat managed the biggest amount of total Assets
Industry Overview: AFP Habitat managed the biggest amount of total Assets, with a market share of 27,0%. Total Assets Under Management (Sep-2025) Market share UNO $ CLP MM CAPITAL PROVIDA 1,7% 57.580.706 18,7% 20,6% 43.940.855 39.984.697 37.270.479 PLANVITAL 6,3% 17,4% CUPRUM 17.595.749 13.535.261 8
Slide 10: Industry Overview: AFP Habitat third AFP by quantity of Contributors
Industry Overview: AFP Habitat it´s the third AFP with bigger quantity of Contributors, with a market share of 15,8% at the end of September 2025. Affiliates Contributors UNO UNO CAPITAL CAPITAL 10,5% 11,8% (606.171) 13,0% CUPRUM (750.491) CUPRUM (1.426.967) 4,6% 6,4% 11,4% (372.840) (558.286) PROVI
Slide 11: Industry Overview: AFP Habitat has increased base salary since December 2024
Industry Overview: AFP Habitat has increased in 6,2% the base salary since December 2024. Average Salary Base [clp] 1.453.603 CAPITAL +6,2% 2.222.284 CUPRUM 1.587.273 1.391.039 1.495.217 1.587.273 HABITAT HABITAT 1.147.011 MODELO 1.159.756 PLANVITAL 2023 2024 sept-25 1.107.251 PROVIDA 937.400 UNO +6
Slide 12: Stock Performance
Stock Performance Stock Price [$ CLP] 1.500 1.246 925 910 938 910 855 1.000 814 800 825 610 670 506 466 484 500 630 696 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 09/25 Market Cap [$ USD Billions] +50,4% 1,93 2,0 1,50 1,52 1,5 1,30 1,21 1,33 1,20 1,31 1,30 1,15 0,90 0