Fideicomiso Irrevocable F/2061 · BIVA:FHIPO/14
Fideicomiso Irrevocable F/2061 — FHipo (Fideicomiso Hipotecario F/2061) — Investor Presentation (May 2026)
31 slides from Fideicomiso Irrevocable F/2061's investor presentation, May 2026
Slide 1: Corporate Presentation
CORPORATE PRESENTATION As of December 31st, 2025 Investor Relations Ph: +52 (55) 4744 1100 investorrelations@fhipo.com www.fhipo.com
Slide 2: FHipo remains the only specialized mortgage platform in Mexico
FHipo remains the only specialized mortgage platform in Mexico which thesis revolves around promoting growth in the housing sector in Mexico FHipo remains as the first and only structured mortgage investment trust in Mexico, through which investors can access attractive capital returns from the Mexi
Slide 3: Strategic Highlights
Strategic Highlights Commitment to delivering profitability to our investors Throughout its history, FHipo has maintained a solid financial performance, 1 consistently delivering distributions to its investors, with more than Ps. 7,300.0 (1) million distributed as of 4Q25. Strong Capitalization Prof
Slide 4: Consistent Distributions Reflect an Investor-Focused Strategy
Consistent Distributions Reflect an Investor-Focused Strategy As of 4Q25, FHipo has distributed over Ps. 7,300.0 million to its CBFI holders The estimated distribution for 4Q25, 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, first vehicle in Latin America similar to a Mortgage REIT
FHipo, is the first vehicle in Latin America similar to a Mortgage REIT in the USA REITs market in Mexico In 2014, FHipo is In 2016, Follow-On created: Equity Offering: - First mover advantage - Mexico’s largest - Mexico’s largest IPO in Follow-on Offering in 2014 (Ps. 8.63 bn) 2016 (Ps. 3.30 bn) Fi
Slide 7: 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 8: Success history of access to capital markets and financing
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: First and only mortgage REIT in Mexico
FHipo is the first and only mortgage REIT in Mexico, created to acquire, originate, co-participate, manage and operate mortgage portfolios and assets, backed by institutional capital FHipo’s business model is based on generating value through the origination and/or acquisition of mortgage portfolios
Slide 10: FHipo's ESG Practices
FHipo’s ESG Practices Social Governance Environmental ✓ Contribution to the acquisition of more than ✓ Since FHipo’s creation in 2014, the ✓ Infonavit’s Green Mortgage Program: 100,000 houses. Management Team has adopted best – Additional loan amount available to ✓ Portfolio distribution by gender:
Slide 11: INFONAVIT – Green Mortgage
INFONAVIT – Green Mortgage At INFONAVIT all loans have a Green Mortgage(1) component. This means that all houses financed through INFONAVIT, may have “eco-technologies”. What is a Green Mortgage? • It is an additional loan amount in order to reduce water, electricity and gas consumption, to generate
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. Co-participation agreements with INFONAVIT, FOVISSSTE and Digital Mortgage Platforms
3. Co-participation agreements with INFONAVIT, FOVISSSTE and Digital Mortgage Platforms
Slide 16: Current portfolio product types and focus on better yielding assets
Current portfolio product types based on past partnerships with INFONAVIT and FOVISSSTE and present focus on better yielding assets FHipo’s Mortgage Portfolio Origination Programs 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 onwards
Slide 17: Mortgage origination process (Cont.)
Mortgage origination process (Cont.) Structure of the mortgage origination between FHipo and Digital Mortgage Platforms 5 1 Digital Mortgage 2 3 Platforms Absorbs credit risk 4 1 FHipo provides resources to fund mortgage loans or acquires the 4 Interest, principal amortizations and other fees are pa
Slide 18: FHipo's Portfolio Figures as of 4Q25
FHipo’s Portfolio Figures as of 4Q25 Portfolio as of 3Q25 Total Mortgage Outstanding Payment-To-Income Performing Loan-To-Value (LTV) Loans Principal Balance (PTI) (2) Portfolio at Origination (3) (million) (1) 43,849 $16,810 24.4% 92.0% 77.0% Infonavit Total (VSM) Outstanding Balance: $440 (4) Digi
Slide 19: Historical Origination and Non-Performing Loan Ratio
Cumulative Non-Performing Loan Ratio over Total Origination Balance (1) As of 4Q25, the non-performing loan portfolio, measured against the cumulative balance of the total portfolio at origination, represented 3.00%, reflecting the portfolio’s historical performance. (Figures in millions of pesos, P
Slide 20: Consolidated Portfolio Distribution
Consolidated Portfolio Distribution as of 3Q25 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 47.8% Balance Nuevo León 52.2% Ps. 16,810 11.
Slide 21: Focus on Assets with High Profitability
Focus on Assets with High Profitability FHipo’s strategy focuses its origination and acquisition efforts on assets with an attractive risk-adjusted return profile. In recent years, we have adjusted our origination and asset acquisition strategy to only acquire assets with high credit quality. Distri
Slide 22: 4. Coverage over mortgage assets
4. Coverage over mortgage assets
Slide 23: Portfolio Coverage
Portfolio Coverage Loan Reserve Coverage on Consolidated Portfolio (“CP”) as of the 4Q25 (1) Expected Loss Coverage (“EL”) (2) = 1.30x NPLs Coverage = 0.53x 8.00% 8.00% 4.27% 4.27% 3.28% 3.28% (2) (3) EL EL Coverage NPLs NPLs Coverage NPLs distribution as a % of the total NPLs as of 4Q25 (3) 0.11% 8
Slide 24: 5. Attractive risk-return profile
5. Attractive risk-return profile
Slide 25: 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 26: Consolidated Funding Breakdown as of 4Q25
Consolidated Funding Breakdown as of 4Q25 (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 27: 6. Development of the Mexican Housing Sector
6. Development of the Mexican Housing Sector
Slide 28: 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 29: 7. Financial Results
TnnInnT 7. Financial Results
Slide 30: Quarterly Financial Results
Quarterly Financial Results Estimated distribution subject to the current Distribution Policy of Ps. 0.356 (1) Estimated Distribution Ps. 0.356 per CBFI, considering 4Q25 available cash. 4Q25 Financial Leverage Dividend Yield Capitalization Debt / Equity (5) Margin (2) Capacity (3) per CBFI (4) Rati
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
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