23 slides from Fideicomiso Irrevocable F/2061's earnings presentation, Jul 24, 2025
Slide 1: 2nd Quarter 2025 Results
2ND QUARTER 2025 RESULTS July 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 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 5: Consistent Distributions Reflect an Investor-Focused Strategy
Consistent Distributions Reflect an Investor-Focused Strategy As of 2Q25, FHipo has distributed over Ps. 7,000.0 million to its CBFI holders The estimated distribution for 2Q25, subject to the current Distribution Policy, is Ps. 0.356(1) per CBFI, which considers 2Q25 Net Income plus FHipo’s availab
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 (~39.1% deleveraging over four years) and the maintenance of a robust financial margin (55.2% as of 2Q25) are FHipo’s response to event
Slide 7: Focus on Assets with Higher Profitability
Focus on Assets with Higher Profitability Focus on High-Quality Asset Origination 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 platf
Slide 8: Historical Portfolio Performance
Historical Portfolio Performance Cumulative Non-Performing Loan Ratio over Total Origination Balance(1) (Figures in millions of pesos, Ps.) The non-performing loan portfolio as of 2Q25, considering the cumulative balance of the total portfolio at origination, represented 3.41% of such cumulative ori
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 regarding Corporate
Slide 10: 2. Leverage Strategy
llr VENA ] am) 2 ve. | |! Venlilh ye HT all | 2. Leverage Strategy
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 by Issuance of securities / certificates Credit facility granted by a private Issuance of securities / certificates an issuing trust, with mo
Slide 12: Consolidated Funding Breakdown as of 2Q25
Consolidated Funding Breakdown as of 2Q25(1) More than 90% of financings have a legal maturity greater than 20 years... (Figures in millions of pesos, MXN) (4) Funding Structures Type of Funding Benchmark Rate Margin Maximum Amount Amount Withdrawn Legal Maturity (2) (3) CDVITOT 14U 2.49% (real) - -
Slide 13: 3. Portfolio Breakdown
llr VENA ] am) 2 2) 3. Portfolio Breakdown
Slide 14: FHipo’s Portfolio Figures as of 2Q25
FHipo’s Portfolio Figures as of 2Q25 Portfolio as of 2Q25 Outstanding Payment-To-Income Total Mortgage Loans Principal Balance Performing Portfolio(3) Loan-To-Value (LTV) (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) Dig
Slide 15: Consolidated Portfolio Distribution
Consolidated 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 consol
Slide 16: Portfolio Characteristics
Portfolio Characteristics 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 % of t
Slide 17: Portfolio Coverage
Portfolio Coverage Loan Reserve Coverage on Consolidated Portfolio (“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% 3.30% 3.30% EL EL Coverage(2) NPLs(3) NPLs Coverage NPLs distribution as a % of the total NPLs as of 2Q25(3) 0.69% 100%
Slide 18: 4. Quarterly Financial Results and Key Metrics
4. Quarterly Financial Results and Key Metrics
Slide 19: 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 20: Appendix. Financial Statements
Appendix. Financial Statements
Slide 21: Balance Sheet
Balance Sheet (Figures in thousands of Mexican Pesos) 2Q25 2Q24 ASSETS Cash and cash equivalents $2,602,511 $1,435,367 Debt securities 177,367 0 Loans, net 9,166,660 10,133,102 Collection rights, net 100,513 94,332 Receivable benefits in securitization transactions 2,479,224 3,161,875 Accounts recei
Slide 22: Income Statement
Income Statement (Figures in thousands of Mexican Pesos, except net income per CBFI) Quarter to Quarter 2Q25 2Q24 REVENUES Interests on mortgage loans $267,887 $306,256 Investment income 57,521 31,382 Total net interest income 325,408 337,638 Financing interest expenses (145,706) (164,615) Financial
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