Fideicomiso Irrevocable F/2061 · BIVA:FHIPO/14
Fideicomiso Irrevocable F/2061 — FHipo (Fideicomiso Hipotecario F/2061) — Q4 2025 Earnings Presentation
23 slides from Fideicomiso Irrevocable F/2061's earnings presentation, Feb 26, 2026
Slide 1: 4th Quarter 2025 Results
4th QUARTER 2025 RESULTS February 26th, 2026 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 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 5: 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 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 (deleveraging equivalent to -1.1x from 4Q19 to 4Q25) and a solid financial margin (54.0% as of 4Q25) are the result of the strategy car
Slide 7: 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 8: 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 9: 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 10: 2. Leverage Strategy
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Slide 11: 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 12: 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 13: 3. Portfolio Breakdown
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Slide 14: 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 15: Portfolio Distribution
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 consolidated portf
Slide 16: Portfolio Distribution (Cont.)
Portfolio Distribution (Cont.) INFONAVIT FOVISSSTE Digital Mortgage Platforms 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 total loans within the por
Slide 17: 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 18: 4. Quarterly Financial Results and Key Metrics
4. Quarterly Financial Results and Key Metrics
Slide 19: Quarterly Financial Results
Quarterly Financial Results Estimated Distribution Estimated distribution subject to the current Distribution Policy of Ps. 0.356 (1) 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 20: Appendix. Financial Statements
Appendix. Financial Statements
Slide 21: Balance Sheet
Balance Sheet (Figures in thousands of Ps.) 4Q25 4Q24 ASSETS Cash and cash equivalents $3,475,742 $1,235,674 Debt securities 700,880 180,006 Loans, net 8,412,544 9,787,981 Collection rights, net 97,345 92,900 Receivable benefits in securitization transactions 1,932,647 2,847,874 Accounts receivables
Slide 22: Income Statement
Income Statement (Figures in thousands of Ps., except net income per CBFI) Quarter to Quarter 4Q25 4Q24 REVENUES Interests on mortgage loans $252,533 $282,723 Investment income 69,053 30,524 Total net interest income 321,586 313,247 Financing interest expenses (148,059) (153,890) Financial margin 17
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
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