Fideicomiso Irrevocable F/2061 · BIVA:FHIPO/14
Fideicomiso Irrevocable F/2061 — FHipo — Investor Presentation (June 2026)
31 slides from Fideicomiso Irrevocable F/2061's investor presentation, Jun 30, 2026
Slide 1: Corporate Presentation
CORPORATE PRESENTATION As of June 30st, 2026 Investor Relations Ph: +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: FHipo promotes the growth of Mexico's housing sector
FHipo promotes the growth of Mexico’s housing sector FHipo remains as the first and only structured mortgage investment trust in Mexico, through which investors can access attractive capital returns from the Mexican mortgage sector, via a liquid and transparent vehicle listed on the stock Exchange.
Slide 3: Strategic Highlights
Strategic Highlights Commitment to delivering profitability to our investors 01 On a cumulative basis, FHipo has distributed close to Ps. 7.6(1) billion to its investors. Strong Capitalization Profile 02 As of 2Q26, FHipo presented a capitalization ratio of 62.5% and a debt-to-equity ratio of 0.6x.
Slide 4: Consistent Distributions Reflect an Investor-Focused Strategy
Consistent Distributions Reflect an Investor-Focused Strategy As of 2Q26, FHipo has distributed close to Ps. 7.6 billion to its CBFI holders The estimated distribution for 2Q26, subject to the current Distribution Policy, is Ps. 0.356(1) per CBFI, which considers FHipo’s available cash. Considering
Slide 5: 1. About FHipo
TnnInnT 1. About FHipo
Slide 6: FHipo, is the first vehicle in Latin America similar to a Mortgage REIT in the USA
FHipo, is the first vehicle in Latin America similar to a Mortgage REIT in the USA REITs market in Mexico Fibra Plus 2017 Internalization of FHipo’s Advisor and Acquires the IPO Follow-On Manager majority of the First infrastructure CBFIs: Mexican Lodging REIT and education REIT market is created in
Slide 7: More than 10 years of disciplined capital management and strategic execution
More than 10 years of disciplined capital management and strategic execution FHipo has maintained a consistent operating model across different market cycles, combining disciplined risk management with a solid track record of distributions, while its current valuation presents an attractive opportun
Slide 8: Success history of access to capital markets and financing from top tier banks
Success history of access to capital markets and financing from top tier Commercial and Development Banks Since its IPO, FHipo has originated/acquired more than MXN $44,700 MM of mortgage loans in Mexico, mainly through the consistent support of top tier banks and multilateral institutions, as well
Slide 9: FHipo's Environmental Sustainability Practices
FHipo’s Environmental Sustainability Practices Environmental Eco-technologies Benefits Infonavit Green Mortgage Program: ▪ Savings in the borrower’s monthly expenses by reducing water, Additional loan amount available to electricity and gas consumption. 100% of Infonavit borrowers through ▪ Contribu
Slide 10: FHipo's Social Sustainability Practices
FHipo’s Social Sustainability Practices Social Female Borrower Inclusion across FHipo’s Portfolio More than 100,000 houses have been acquired across Mexico with the support of FHipo mortgage loans. ~31% of the consolidated portfolio Consolidated Portfolio(1) Digital Mortgage Platforms(2) corresponds
Slide 11: FHipo's Governance Sustainability Practices
FHipo’s Governance Sustainability Practices Governance Holders’ Meeting Asamblea de tenedores Since 2014, FHipo has maintained a robust governance framework aligned with corporate governance 1 Technical best practices. >50% * Committee Our corporate governance framework Internal is built on a clear
Slide 12: 2. Macroeconomic environment
2. Macroeconomic environment
Slide 13: Housing demand marked by deficits and demographic trends
Housing demand marked by deficits and demographic trends Demography-driven housing demand underpins long-term need for financing. Housing demand expected to rise +54%, reaching 55M households Structural housing deficit of 8.4M homes remains persistent by 2050 Evolution of housing deficit in Mexico ∆
Slide 14: Favorable macro tailwinds support housing credit expansion
Favorable macro tailwinds support housing credit expansion Macro fundamentals + underpenetrated credit + demographic and demand trends = opportunity for FHipo to capture growth. Employment growth and falling unemployment strengthen household income stability (Insured workers in 000s and unemployment
Slide 15: 3. FHipo's Portfolio Figures
3. FHipo’s Portfolio Figures
Slide 16: FHipo's Portfolio Figures as of 2Q26
FHipo’s Portfolio Figures as of 2Q26 Portfolio as of 3Q25 Total Mortgage Outstanding Principal Payment-To-Income Performing Loan-To-Value (LTV) Loans Balance (million)(1) (PTI)(2) Portfolio at Origination(3) 41,583 $15,452 24.51% 92.10% 77.05% Infonavit Total (Pesos) Balance: $2,202 (4) Rate: 12.00%
Slide 17: Consolidated Portfolio Distribution as of 2Q26
Consolidated Portfolio Distribution as of 2Q26 By geographic distribution 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) Principal Loan 48.6% Balance Nuevo León 51.4% Ps. 15,452 11.
Slide 18: Focus on Assets with High Profitability
Focus on Assets with High Profitability FHipo’s forward-looking strategy focuses on originating and acquiring assets with an attractive risk-adjusted return profile. In recent years, we adjusted our origination and asset acquisition strategy to acquire assets with increasingly higher credit quality.
Slide 19: Historical Origination and Non-Performing Loan Ratio
Cumulative Non-Performing Loan Ratio over Cumulative Origination(1) As of 2Q26, the non-performing loan portfolio, relative to the balance of the total portfolio at origination, represented 2.73%, reflecting the portfolio’s historical performance. (Figures in millions of pesos, Ps.) $80,000 5.00% 4.
Slide 20: 4. Coverage over mortgage assets
4. Coverage over mortgage assets
Slide 21: Portfolio Coverage
Portfolio Coverage Loan Reserve Coverage on Consolidated Portfolio (“CP”) as of the 2Q26(1) Expected Loss Coverage (“EL”)(2) = 1.35x NPLs Coverage = 0.55x 7.90% 7.90% 4.35% 4.35% 3.22% 3.22% (2) (3) EL EL Coverage NPLs NPLs Coverage NPLs distribution as a % of the total NPLs as of 2Q26(3) 0.15% 7.90
Slide 22: 5. Leverage Strategy
TnnInnT 5. Leverage Strategy
Slide 23: Diversified Sources of Funding
Diversified Sources of Funding Securitizations Warehousing Facilities (Revolving) Short-Term Unsecured Bonds Long-Term Covered Bonds Credit Facilities Issuance of securities / certificates Issuance of securities / certificates Issuance of securities / certificates by an issuing trust, with mortgage
Slide 24: Consolidated Funding Breakdown as of 2Q26
Consolidated Funding Breakdown as of 2Q26 (1) More than 90% of the outstanding balance of the financings have a legal maturity greater than 20 years... (Figures in millions of pesos, Ps.) Outstanding Principal (4) Funding Structures Type of Funding Benchmark Rate Margin Maximum Amount Legal Maturity
Slide 25: 6. Development of the Mexican Housing Sector
6. Development of the Mexican Housing Sector
Slide 26: 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 27: 7. Financial Results
TnnInnT 7. Financial Results
Slide 28: Quarterly Financial Results
Quarterly Financial Results Estimated Distribution Estimated distribution subject to the current Distribution Policy of Ps. 0.356 (1) Ps. 0.356 2Q26 per CBFI, considering 2Q26 FHipo’s cash. Financial Leverage Dividend Yield Capitalization Debt / Equity(5) Margin(2) Capacity(3) per CBFI(4) Ratio(6) 5
Slide 29: 8. Appendix
TnnInnT 8. Appendix
Slide 30: Current portfolio product types based on past partnerships with INFONAVIT and FOVISSSTE
Current portfolio product types based on past partnerships with INFONAVIT and FOVISSSTE and present focus on better yielding assets FHipo’s Mortgage Portfolio Digital Mortgage Platforms Program Characteristics Income Level 4.5 VSM onwards(1) 3.5 VSM to 5.0 VSM(1) 1.0 VSM onwards(1) N/A MXN $22,100 o
Slide 31: 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