Fideicomiso Irrevocable F/2061 · BIVA:FHIPO/14
Fideicomiso Irrevocable F/2061 — FHipo (Fideicomiso Hipotecario F/2061) — Investor Presentation (August 2025)
34 slides from Fideicomiso Irrevocable F/2061's investor presentation, August 2025
Slide 1: Corporate Presentation
CORPORATE PRESENTATION As of June 30th, 2025 Investor Relations Ph: +52 (55) 4744 1100 investorrelations@fhipo.com www.fhipo.com
Slide 2: Investment highlights
Investment highlights 1 About FHipo 8 2 Experienced management Macroeconomic team with robust environment corporate governance 3 7 Attractive Mexican Attractive risk-reward mortgage market profile with strong fundamentals dividend generation 4 Co-participation agreements with INFONAVIT, FOVISSSTE 6
Slide 3: 1. About FHipo
TnnInnT 1. About FHipo
Slide 4: FHipo, the first vehicle in Latin America similar to a USA Mortgage REIT
FHipo, is the first vehicle in Latin America similar to an USA Mortgage REIT … REITs market in Mexico In 2014, FHipo is created: In 2016, Follow-On Equity - First mover advantage Offering: - Mexico’s largest IPO in 2014 - Mexico’s largest Follow-on (Ps. 8.63 bn) Offering in 2016 (Ps. 3.30 bn) First
Slide 5: FHipo and its key milestones since its IPO
FHipo and its key milestones since its IPO ✓ 1st & ONLY MREIT in Mexico ✓ Ps. 8.6 bn IPO in November 2014 and Follow-On of Ps. 3.3 bn in April 2016 ✓ Created to acquire, originate, co-participated, manage and operation mortgages in Mexico ✓ Co-participated agreements with and , the largest mortgage
Slide 6: Resources / Funding
Resources / Funding Equity Off-Balance Debt http://tiie.com.mx/wp-content/uploads/cedevis.gif 2014 Initial Public Offering: Ps. 8.63 bn 2015 2017 2016 CDVITOT 15U Y 15-2U CDVITOT 14U Ps. 4.23 bn Ps. 385 m Follow-On Offering: Co-participation Acquisition of Residuals Ps. 3.30 bn Securitization On-Bal
Slide 7: Organizational Structure
Organizational Structure Commitees: Technical Audit Commitee Practices 100% Nominations > 50% CBFI Holders 100% Independent Members Holder’s Assembly Technical Committee Subsidiary of FHipo, formed by (TC) professionals with experience Internal Advisor in the mortgage, financial and and Manager real
Slide 8: Strategic Highlights
Strategic Highlights Commitment to delivering for our Solid Financial Margin 1 investors 2 More than Ps. 7,000.0(1) million Our Financial Margin remained stable distributed to our investors, in 2Q25, representing 55.2% of reinforcing our commitment to long- interest income, an indicator of the term
Slide 9: FHipo's ESG Practices
FHipo’s ESG Practices Social Corporate Governance Environmental ✓ Contribution to the acquisition of ✓ Since FHipo’s creation in 2014, the ✓ Infonavit’s Green Mortgage more than 100,000 homes. Management Team has adopted Program: ✓ Portfolio distribution by gender: best practices for been cautious –
Slide 10: 2. Macroeconomic environment
2. Macroeconomic environment
Slide 11: Occupation, Employment, Mortgage Rates and Inflation in Mexico
Occupation, Employment, Mortgage Rates and Inflation in Mexico Formal economy stability and low levels of unemployment ... (Trabajadores asegurados en miles y población desempleada como % de la Población Económicamente Activa) 24,000 9.0% 22,500 7.0% 21,000 19,500 5.0% 18,000 3.0% 16,500 15,000 1.0%
Slide 12: 3. Attractive Mexican mortgage market fundamentals
3. Attractive Mexican mortgage market fundamentals
Slide 13: INFONAVIT's Mortgage Loan Origination
INFONAVIT’s Mortgage Loan Origination INFONAVIT’s mortgage loan 2021 – 2025 INFONAVIT’s projected mortgage portfolio registered within its balance (Number of loans for the acquisition of a new or used home) (Figures in billion pesos) 387,774 377,267 370,586 359,225 351,653 $1,777 $1,700 80,119 FHipo
Slide 14: FOVISSSTE's Mortgage Loan Origination
FOVISSSTE’s Mortgage Loan Origination Historical origination 170.0 $39.8 $41.1 45.0 $38.5 150.0 $35.3 $35.8 $36.4 $36.4 40.0 $34.1 $35.0 $32.8 130.0 35.0 $29.7 110.0 30.0 90.0 25.0 70.0 20.0 50.0 $11.6 15.0 30.0 10.0 10.0 87 81 99 63 49 49 49 51 49 37 36 5.0 11 -10.0 0.0 2014 2015 2016 2017 2018 201
Slide 15: Mortgage Origination Commercial Banking and SHF
Mortgage Origination Commercial Banking and SHF Historical Origination | Commercial Banking 500 $288.6 350 $274.3 $275.0 $277.6 450 $203.2 250 400 $178.9 $147.6 $158.1 $159.0 350 $128.1 $106.3 $90.5 150 300 325 250 285 294 50 275 259 200 210 -50 150 161 166 170 100 142 121 -150 50 45 0 -250 2014 201
Slide 16: 4. Co-participation agreements with INFONAVIT, FOVISSSTE and Digital Mortgage Platforms
4. Co-participation agreements with INFONAVIT, FOVISSSTE and Digital Mortgage Platforms
Slide 17: FHipo currently participates in the following mortgage origination programs
FHipo currently participates in the following mortgage origination programs: Digital Mortgage Platforms Características del Programa Income Level 4.5 VSM onwards 3.5 VSM to 5.0 VSM 1.0 VSM onwards N/A Ps. 21,100 onwards Target Destination New or used home acquisition (guaranteed by a valid mortgage)
Slide 18: FHipo's Portfolio Figures as of 2Q25
FHipo’s Portfolio Figures as of 2Q25 Portfolio as of 2Q25 Total Mortgage Loans Outstanding Payment-To-Income Performing Portfolio(3) Loan-To-Value (LTV) Principal Balance (PTI)(2) at Origination(3) (million) (1) 53,381 $19,150 24.4% 92.0% 77.9% Infonavit Total (VSM) Outstanding Balance: $1,640(4) Di
Slide 19: Consolidated Portfolio Distribution
Consolidated Portfolio Distribution By Geographic Distribución of the Portfolio By loan balance (on and off balance) (1) (As % of total loans within the consolidated portfolio) (As % of the total consolidated portfolio balance) 6.0% Principal Loan Balance Ps. 19,150 49.1% Nuevo León million 44.9% 12
Slide 20: Focus on Assets with Higher Profitability
Focus on Assets with Higher Profitability Focus on High-Quality Asset Origination Looking forward, FHipo’s strategy is to increasingly focus origination and asset acquisition efforts on assets with a better profitability profile, aiming at maximizing returns for our investors. In recent years, we ha
Slide 21: INFONAVIT – Green Mortgage
INFONAVIT – Green Mortgage At INFONAVIT all loans have a Green Mortgage(1). This means that all houses financed through INFONAVIT, may have eco-technologies. What is a Green Mortgege? • It is an additional loan amount in order to reduce water, electricity and gas consumption, to generate economic sa
Slide 22: Mortgage origination process
Mortgage origination process FHipo originates mortgage portfolio with INFONAVIT, FOVISSSTE and Digital Mortgage Platforms.. Participation structure in INFONAVIT’s Programs Structure of the assignment of collection rights on FOVISSSTE’s portfolio 7 5 1 FOVISSSTE Administration Trust 2 1 4 3 2 4 3 6 L
Slide 23: Mortgage origination process (Cont.)
Mortgage origination process (Cont.) Structure of the mortgage origination between FHipo and Digital Mortgage Platforms 5 Digital Mortgage Platforms 1 2 3 Absorbes credit risk 4 1 FHipo provides resources to fund mortgage loans or acquires the 4 Interest, principal amortizations and other fees are p
Slide 24: 5. Strong growth potential
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Slide 25: FHipo's strengths
FHipo’s strengths First mover advantage with proven track record regarding 1 origination and financing strategies Strategic investments aimed to maximize the return to 2 investors Agreements with INFONAVIT, FOVISSSTE and Digital 3 Mortgage Platforms to acquire and originate mortgage loans Solid tech
Slide 26: 6. High-Quality Mortgage Assets
6. High-Quality Mortgage Assets
Slide 27: Portfolio Coverage
Portfolio Coverage Loan Reserve Coverage on CP as of the 2Q25 (1) Expected Loss Coverage (“EL”) (2) = 1.51x NPLs Coverage = 0.63x 7.95% 7.95% 4.99% 4.99% 8.52% 3.30% 3.30% EL EL Coverage(2) NPLs(3) NPLs Coverage NPLs as a % of the Consolidated Portfolio (“CP”) as of the 2Q25(3) 0.69% 100% 2.84% 5.36
Slide 28: 7. Attractive risk-return profile
7. Attractive risk-return profile
Slide 29: 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, whose a
Slide 30: 8. Development of the Mexican Housing Sector
8. Development of the Mexican Housing Sector
Slide 31: Promoting the development of the Mexican Housing Sector
Promoting the development of the Mexican Housing Sector Global Offering’s Distribution Improving Mexican Worker’s Savings Part of FHipo’s equity came from abroad: FHipo, as the first MREIT in Mexico, obtained investments from Mexican pension funds (AFOREs). • FHipo, as a new asset class, has generat
Slide 32: 9. Financial Results
TnnInnT 9. Financial Results
Slide 33: Solid Financial Results
Solid Financial Results Estimated Estimated distribution subject to the current Distribution Policy of Ps. 0.356(1) Ps. 0.356 per CBFI, considering 2Q25 net income plus available cash. Distribution 2Q25 Financial Net Profit Dividend Yield Capitalization Debt / Equity(5) Margin(2) Margin(3) per CBFI
Slide 34: 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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