Slide 1: Earnings Presentation 3Q-2025
Earnings Presentation 3Q-2025 1
Slide 2: Cautionary Statement
C A U T I O N A R Y S TAT E M E N T These webcasts, presentations and transcripts contain "forward-looking statements," relating to, among other things, future operating and financial results, project performance, expenses, the impact of acquisitions and divestments, business strategy and any restru
Slide 3: Highlights 3Q25
ights Highl PY pis: e
Slide 4: Retailers maintaining momentum with online GMV growing 17% YoY
HIGHLIGHTS 3Q25 Our retailers are maintaining their momentum showing solid topline growth, with total online GMV1 growing 17% YoY Revenue Var (%, vs 3Q24) (local currency) 19.1% 18.0% 16.0% 16.0% 13.9% 12.8% 11.6% 12.0% 4.5% 6.3% 4.1% 3.3% 1.1% 2.1% -1.7% Chile Peru Colombia Online Chile Peru Online
Slide 5: Building the leading digital bank of the Andean region
HIGHLIGHTS 3Q25 Building the leading digital bank of the Andean region3 Loan portfolio Credit card & passive account openings (#) Stock (US$ MM) Var vs 3Q24, in local currency 12% 709.521 792.532 21% Credit Card 7.392 51% 54% 6.103 38% Passive Account 16% 10% 7% 49% 46% 3Q24 3Q25 Chile Peru Colombia
Slide 6: Strategy enhanced profitability across five growth engines during 3Q25
HIGHLIGHTS 3Q25 Our strategy has allowed to enhance profitability across our five growth engines during 3Q25 EBITDA margin (%) 81.3% 78.5% 22.4% 20.4% 6.7% 7.1% 5.8% 4.9% 4.5% 1.6% 3Q24 3Q25 3Q24 3Q25 3Q24 3Q25 3Q24 3Q25 3Q24 3Q25 6
Slide 7: Our strategy has allowed us to continue improving
HIGHLIGHTS 3Q25 EBITDA evolution (US$ MM) 15.1% 14.9% 14.1% 13.2% 11.6% 11.2% 10.4% 519 10.0% 9.4% 490 491 8.0% 430 6.8% 6.7% 6.0% 5.2% 343 4.6% 338 304 303 309 254 233 186 188 132 146 Our strategy has 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 allowed us to EBITDA Ma
Slide 8: Our operation continues to contribute to cash improvement
HIGHLIGHTS 3Q25 Our operation continues to contribute to cash improvement Evolution Cash (US$ MM) Non-banking businesses -1% 46 291 159 176 7 1.239 921 260 6 1.413 1.393 Sep-24 EBITDA Working Taxes CAPEX & Cash Flow Net Interest Debt Dividends Others Sep-25 (excl. Capital4 Asset Sale - Banco IFRS16)
Slide 9: We continue to strengthen our financial position
HIGHLIGHTS 3Q25 Net Financial Debt / EBITDA 8.6 8.2 7.3 6.3 6.5 5.7 5.0 4.7 3.6 3.7 2.9 2.6 2.5 1.9 1.8 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Debt Maturity Profile (US$ Debt Maturity Profile (US$ MM) million) Non-banking businesses, after hedging derivatives As o
Slide 10: Key takeaways from our CEO
HIGHLIGHTS 3Q25 Key takeaways from our CEO Physical-digital Omnichannel Well-positioned to ecosystem delivering strategy and innovate and seize strong growth and disciplined execution opportunities for operational resilience keep driving system expansion and efficiency and growth profitability 10
Slide 11: Q&A
Q&A 11
Slide 12: Investor relations contact details
E-MAIL inversionistas@falabella.cl WEBSITE investors.grupofalabella.com