Afp Habitat Sa · BCS:HABITAT
Afp Habitat Sa — Q4 2025 Earnings Presentation
12 slides from Afp Habitat Sa's earnings presentation, December 2025
Slide 1: Company Presentation Q4-2025 Results
Company Presentation Q4-2025 Results December 2025
Slide 2: Key Indicators
Key Indicators Habitat Contributors [Q] Habitat Contributors Market share [%] Average Base Salary [clp] -0,6% +7,8% -3,1% 16,1% 15,4% 1.611.367 1.495.217 Dec-24 Dec-25 Dec-24 Dec-25 Dec-24 Dec-25 Total AUM [MM clp] APV AUM [MM clp] CAV AUM [MM clp] +15,6% +13,2% +9,8% 58.637.686 2.202.406 908.958 50
Slide 3: Income Statements
Income Statements Current Exercise Last Exercise Dif % INCOME STATEMENT [M$ clp] Dec 2025 Dec 2024 Dec 25 / Dec 24 Ordinary Revenues 263.247.874 251.522.594 4,7% Employee related Expenses (less) -60.700.969 -54.950.590 10,5% Other operating expenses (less) -38.734.042 -35.778.837 8,3% Depreciation a
Slide 4: Financial Indicators
Financial Indicators REVENUES [MM clp/ Year] EBITDAR [MM clp/ Year] +4,7% 263.248 -0,7% 239.425 251.523 163.784 167.624 166.474 Dec-23 Dec-24 Dec-25 Dec-23 Dec-24 Dec-25 EBITDA [MM clp/ Year] NET PROFIT [MM clp/ Year] +18,3% +20,6% 246.128 197.029 208.069 168.951 131.600 140.146 Dec-23 Dec-24 Dec-25
Slide 5: AFP Habitat: Nominal Return on Investment Chile
AFP Habitat: Nominal Return on Investment Chile 1st place for A Fund, 2nd place for B Fund and 5th place for C, D and E Funds in the last 36 months (January 2023 – December 2025). Fund E Fund A Fund B Fund C Fund D AFP Most Most Risky Risky Intermediate Conservative Conservative Capital 14,96% 13,49
Slide 6: Revenues Breakdown
Revenues Breakdown Current Exercise Last Exercise VAR VAR % Ordinary Incomes [$MM clp] Dec 2025 Dec 2024 Dec 25/ Dec 24 Dec 25/ Dec 24 Total Fees Revenues 263.227 250.996 12.231 4,9% Fees form Mandatory Contributions[8] 243.359 232.321 11.037 4,8% Fees for APV 631 51 581 1146,0% Fees for CAV 6.392 5
Slide 7: Operating Expenses Breakdown
Operating Expenses Breakdown Current Exercise Last Exercise VAR VAR % Employee Expenses [$MM clp] Dec 2025 Dec 2024 Dec 25 / Dec 24 Dec 25 / Dec 24 Administrative Staff Wages and Salaries -28.061 -26.794 1.267 4,7% Sales Staff Wages and Salaries -17.713 -15.918 1.795 11,3% Short – term Employee Bene
Slide 8: Balance
Balance ASSETS [MS clp] Current Exercise Dec 2025, Last Exercise Dec 2024 LIABILITIES AND EQUITY [MS clp] Cash and Equivalents 67.002.292 || 68.004.981 Financial assets at fair value through profit or loss, 73,332,104 |) 54.662.693 Commercial Debtors and Accounts Receivables, Net 11.718.870 |) 14.11
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 26,9%. Total Assets Under Management (Dec 2025) Market share UNO $ CLP MM CAPITAL PROVIDA 1,9% 58.637.686 18,7% 20,3% 40.849.625 44.341.892 37.823.186 PLANVITAL 6,5% 17,3% CUPRUM 18.278.055 14.079.197 8
Slide 10: Industry Overview: AFP Habitat third AFP by Monthly Contributors
Industry Overview: AFP Habitat it´s the third AFP with bigger quantity of Monthly Contributors, with a market share of 15,4% at the end of September 2025. Affiliates Contributors UNO UNO CAPITAL CAPITAL 11,8% 11,7% 12,7% (702.898) CUPRUM (759.785) CUPRUM (1.420.816) 4,6% 6,2% 12,2% (372.068) (1.477.
Slide 11: Industry Overview: AFP Habitat has increased base salary 7,8%
Industry Overview: AFP Habitat has increased in 7,8% the base salary since December 2024. Average Salary Base [clp] 1.479.397 CAPITAL +7,8% 2.257.206 CUPRUM 1.391.039 1.495.217 1.611.367 1.611.367 HABITAT HABITAT 1.155.933 MODELO 1.174.184 PLANVITAL 2023 2024 Dec-25 1.113.325 PROVIDA 902.336 UNO +7,
Slide 12: Stock Performance
Stock Performance Stock Price [$ CLP] 2.000 1.522 1.500 925 910 938 910 825 855 1.000 814 800 610 670 506 466 484 500 630 696 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Dec-25 Market Cap [$ USD Billions] +93,8% 1,93 2,0 1,67 1,50 1,52 1,5 1,30 1,21 1,33 1,20 1,31 1,15