Jg Summit Holdings Inc. · PSE:JGS
Jg Summit — 9M2025 Earnings Presentation
17 slides from Jg Summit's earnings presentation, Nov 14, 2025
Slide 1: 9M2025 Unaudited Results Investor Briefing
9M2025 Unaudited Results Investor Briefing 14 Nov 2025
Slide 2: Disclaimer
Disclaimer This presentation may contain certain forward-looking statements with respect to the financial condition, results of operations and business of JG Summit Holdings, Inc. and its subsidiaries (JGS), as well as plans and objectives of the management of JGS. Such forward looking statements in
Slide 3: Airline turnaround, double-digit property growth led two-fold jump in 3Q25 core profits
Airline turnaround, double-digit property growth led the two-fold jump in JGS’ 3Q25 core profits In Php billion 3Q24 3Q25 YoY Change • 3Q consolidated topline exhibited faster residential revenue recognition, strong growth in airline cargo and ancillaries despite the lean travel season, as well as R
Slide 4: 9M recurring core earnings rose 24% YoY on travel, leisure and consumption strength
9M recurring core earnings rose 24% YoY on travel, leisure and consumption strength, alongside easing Petrochem losses In Php billion 9M24 9M25 YoY Change • JGS saw robust demand for travel and leisure translating to double-digit topline growth in its airline and property businesses, coupled with st
Slide 5: URC: Sustained volume growth in Branded Consumer Food PH supported topline expansion
URC: Sustained volume growth in Branded Consumer Food (BCF) PH supported topline expansion Revenue ▲5% by division 124.6 • Revenue growth was fueled by higher volumes in BCF PH alongside 118.9 % chg vs LY Munchy’s continued momentum in Malaysia. These gains were slightly 22% 23% tempered by the decl
Slide 6: RLC: Continued momentum of Malls and Hotels alongside Residential recovery
RLC: Continued momentum of Malls and Hotels alongside the recovery of Residential segment drove better results Revenue ▲13% by division % chg vs LY 35.5 • Revenue expansion was driven by strong mall rentals and foot traffic, RDE -26% 31.3 2% robust hotel performance especially from Fili and NuStar,
Slide 7: CEB: Robust travel demand, larger fleet plus free-of-charge engine gains boosted profitability
CEB: Robust travel demand, larger and more-fuel efficient fleet plus free-of-charge engine gains boosted profitability Revenue ▲18% by division • 9M airline revenues surged with 20 million passengers flown YTD, up 87.6 74.5 14% YoY, alongside better passenger yields and 33% more cargo % chg vs LY 26
Slide 8: JGSOC: Ongoing evaluation of various strategic options
JGSOC: Ongoing evaluation of various strategic options Phase 1 – Shutting down the plant Phase 2 – Determining the future of JGSOC Focus has now shifted to Phase 2, which involves evaluating the Initial phase of the project focused on asset preservation, organizational company’s strategic options fo
Slide 9: Core Investments
Core Investments EQUITY INCOME(2) EQUITY INCOME(2) DIVIDENDS RECEIVED DIVIDENDS RECEIVED 8.7 9.5 1.5 2.3 2.3 1.3 0.4 0.4 9M24 9M25 1H24 1H25 9M24 9M25 9M24 9M25 • 9% growth YoY driven by • Equity income grew 9% • Dividend per share • Received 5% higher higher equity earnings YoY with higher declined
Slide 10: Ecosystem Plays
Ecosystem Plays • Onboarded 7.5 million customers as of end-September • Deposit balances grew 13% while the loan book expanded to ₱6.0 billion • In September 2025, launched 20x free InstaPay transfers per month • Expanded product suite with inward remittance services, cryptocurrency trading, and vir
Slide 11: JGS: Robust balance sheet ensures the group's ability to fund growth
JGS: Robust balance sheet ensures the group’s ability to fund growth Consolidated Parent Dec 2024 Sept 2025 % Chg Dec 2024 Sept 2025 % Chg Cash1 58.4 54.2 -7% Cash1, 2 12.0 12.7 6% Financial Debt 314.5 292.9 -7% Total LT Debt 73.5 148.5 102% Total LT Debt 248.3 243.1 -2% Total ST Debt 5.0 22.2 344%
Slide 12: Fewer aircraft deliveries and timing of property development lowered total capex YoY
Fewer aircraft deliveries and timing of property development translated to lower total capex YoY 68.5 3.1 9M25 17.8 Others • Continued investment in the Malvar mega plant, with first 43.0 JGSOC commercial run expected within 2025 0.2 RLC (1) • Development of investment portfolio, with Pagadian Mall,
Slide 13: Key Messages
Key Messages • JG Summit’s recurring core profits for 9M25 rose 24% YoY on the back of strong results from its listed strategic business units (SBU) coupled with reduced losses from its mothballed petrochemical plant • The impairment loss recognition in 4Q allows the group to reset its financial pos
Slide 14: Thank you
Thank you
Slide 15: Appendix
IGSUMMIT HOLDINGS, INC Appendix
Slide 16: Balance Sheet
Balance Sheet (Php Millions) As of Dec 2024 As of Sept 2025 Cash & cash equivalents (including Financial assets at FVPL and financial assets at FVOCI) 61,623 57,517 Other current assets 173,578 168,942 Investments in Associates and JVs - net 163,372 167,886 Property, plant, and equipment 286,294 289
Slide 17: Income Statement
Income Statement (Php Millions) 9M24 9M25 YoY REVENUES 276,955 277,538 0% Cost of sales and services 193,992 185,604 -4% GROSS INCOME 82,963 91,934 11% Operating Expenses 46,349 49,927 8% OPERATING INCOME 36,614 42,007 15% Financing costs & other charges (14,420) (15,915) 10% Finance Income 1,464 1,