Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Q2 2025 Earnings Presentation
20 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, August 2025
Slide 1: Corporate presentation 2nd quarter 2025
Corporate presentation 2nd quarter 2025
Slide 2: Index
Index 01 Leaders for more than 18 years 02 Going forward… 03 Value creation Subtitle Here 04 Industry landscape 05 Our stock 06 Appendix
Slide 3: Our essence
Our essence +30 years of 6 countries. experience USA, Mexico, El In the industry and Salvador, Peru, 18 as leaders Costa Rica and Colombia 593 +25,000 244 service Agents offices and 349 ODQ’s Risk, accident, and fraud prevention. Leaders of ESG Enhancing criterion efficiency incorporation 3
Slide 4: Corporate structure
1. Corporatre structure GEOGRAPHIC SUBSIDIARIES: VERTICAL INTEGRATION: We aim to expand and replicate our succesful business It allows us to optimize costs, enhance risk prevention model, while achieving greater revenue diversification and information analysis, as well as provide health and driving
Slide 5: Qualitas' DNA
1. Qualitas’ DNA Technological systems used in our call center are +6.0 MILLONES Insured units design in house. POLICYHOLDERS Automatic assignation ~25,000 AGENTS claim officers using AGENTS Agents play a fundamental role in geolocation tools… Mexico and Latin America (National) average time of clai
Slide 6: Competitive advantages
1. Competitive advantages Accident and fraud prevention ▪ Data analysis: 30 years of experience + unique data base. ▪ Telematics, GPS devices and recovery program ▪ Training of drivers and operators to reduce and avoid accidents and claims Operational efficiency ▪ Partnership with Google Maps for au
Slide 7: Going forward…
2. Going forward… 1 2 3 Strengthen our Actively looking for Accelerate growth in leadership in Mexico new business our subsidiaries opportunities • Through technological and • Capitalize them to boost its • Expand our service to other product innovation growth in profitable manner business lines suc
Slide 8: Sustainability
2. Sustainability E Environmental ▪ ~43% of out fleet is hybrid ▪ Solar panels in specific service offices ▪ Annual reforestation campaign ▪ ~90% of our processes are paperless Social S ▪ Awareness program “Conducta Vial Quálitas (CVQ)” for responsable driving behavior http://conductavialqualitas.co
Slide 9: Value creation
3. Value creation Written premiums Earned premiums Operating result 33,498 36,236 16,666 17,414 980 2,425 1,774 15,424 15,069 29,362 894 32,228 2Q24 2Q25 6M24 6M25 2Q24 2Q25 6M24 6M25 2Q24 2Q25 6M24 6M25 Net result Comprehensive financial income 1,407 3,552 1,218 2,751 5.6% 8.1% 2,194 OPERATING NET
Slide 10: Value creation: Premiums and insured units
3. Value creation Premiums and insured units Δ %/bp Δ %/bp Business line 2Q25 2Q24 6M25 6M24 25 vs 24 25 vs 24 23% 2Q Q 2 4 Traditional 10,831 10,275 5.4% 23,472 21,899 7.2% 18.7% 2 25 Individual 6,714 6,208 8.1% 14,156 12,569 12.6% Fleets 4,117 4,066 1.3% 9,316 9,330 (0.1%) Financial institutions 5
Slide 11: Value creation: Ratios
3. Value creation Ratios Acquisition Loss 24.1% 71.9% 23.7% 68.1% 23.2% 65.7% 23.0% 64.2% 63.1% 22.9% 22.6% 59.8% 21.7% 44.2% 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 Operating Combined 10.2% 97.7% 95.3% 92.4% 93.5% 92.8% 7.0% 88.5% 5.6% 4.5% 4.8% 4.2% 3.3% 77.6% Pie de
Slide 12: Value creation: Investment portfolio and return on investments
3. Value creation Premiums and insured units Total portfolio Portoflio by subsidiary 76.6% 56.9% QMX Government 74.0% 63.0% 14.8% 13.9% QIC Equities 11.7% 12.6% 13.5% 5.0% International bonds 2Q25 QCind 13.4% 11.3% 2Q25 8.8% 2Q24 2Q24 Local corp bonds 2.0% 3.4% Other 1.3% 5.3% Cash & equivalents 6.2
Slide 13: Industry landscape: Market share
4. Industry landscape Market share Market share by segment 15.7% 15.5% 15.0% 15.6% 15.9% 16.1% 16.2% 15.1% 15.6% 16.6% 18.1% 18.0% 7.6% 6.8% 9.8% 9.9% 8.7% 8.4% 12.2% 11.4% 12.3% 13.3% 5.8% 5.8% 18.9% 13.7% 4.6% 4.2% 4.0% 3.8% 4.1% 4.7% 4.9% 5.3% 5.7% 6.1% 5.3% 5.7% 43.3% Trucks 6.5% 6.1% 6.3% 6.3%
Slide 14: Industry landscape: Theft and recovery in Mexico
4. Industry landscape Theft and recovery in Mexico 30,000 55.0% 53.1% 51.3% 25,000 50.0% 47.1% 45.7% 20,000 44.3% 43.4% 45.0% 42.2% 42.5% 15,000 40.6% 42.5% 39.1% 39.8% 40.0% 10,000 35.0% 5,000 10,215 25,601 9,229 20,914 9,634 19,854 10,566 20,250 11,218 20,078 10,458 17,795 - 30.0% 6M20 6M21 6M22 6
Slide 15: Industry landscape: New car sales in Mexico
4. Industry landscape New car sales in Mexico ▪ The quarterly sales of new units decreased by -6.5% 2Q25 vs 2Q24 (light vehicles: -3.6%, heavy equipment: -43.0%) ▪ Chinese brands accounted for approximately ~7.4% of the total market as of june-end, while hybrid, electric, and plug-in vehicles repres
Slide 16: Our stock
5. Our stock Q* stock performance Q* was listed on the Marketability index Traded volume Mexican Stock Mexican Stock Exchange in 2005 (daily average) Exchange Traded Volume Included in 6 indexes: S&P/BMV IPC, Total Mexico ESG,S&P/BMV volume* (MM USD) June 2025 Rentable, BIVA Mid cap, DJSI 1Q25 1,273
Slide 17: Financial highlights
6. Financial highlights Quarterly Year to date Δ %/bp Δ %/bp Income Statement 2Q25 2Q24 6M25 6M24 25 vs 24 25 vs 24 Written premiums 17,414 15,424 12.9% 36,236 32,228 12.4% Net written premiums 17,396 15,398 13.0% 36,123 32,183 12.2% Earned premiums 16,666 15,069 10.6% 33,498 29,362 14.1% Acquisitio
Slide 18: Financial highlights
6. Financial highlights Δ %/bp Δ %/bp Profitability ratios 2Q25 2Q24 6M25 6M24 25 vs 24 25 vs 24 Return on investments 8.4% 8.8% (44) 9.7% 8.9% 72 ROE for the period 22.0% 25.0% (300) 22.1% 25.1% (303) LTM ROE 26.5% 23.5% 301 26.5% 23.5% 301 Δ %/bp Balance Sheet 2025 2024 25 vs 24 Assets 110,835 93,
Slide 19: Solvency margin
6. Solvency margin 25,000 General Assembly 2025 20,000 16,494 16,155 14,726 14,006 The payment of a cash 15,000 Surplus dividend in the amount of 446% 13,318 MXN 4,000,000,000, 420% 401% 385% 10,000 equivalent to $10 pesos per share, was approved. It will be paid in two 5,000 5,473 installments: $5.
Slide 20: IR contact information
IR contact information Jorge Pérez joperez@qualitas.com.mx Naara Cortés Gallardo ncortes@qualitas.com.mx Raquel Leetoy rleetoy@qualitas.com.mx
Qualitas Controladora — Q2 2025 Earnings Presentation on 6ix