Fourth Quarter 2025 Earnings Presentation

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March │ 2026

Today's Speakers

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Jesus Zamora

Executive Chairman of the Board and

President

• Member of the Board since 2008 and President since 2023

• Founder and Chairman of the Board at Enfoca

• MBA from Columbia Business School and a B.S. in Industrial Engineering from Universidad Nacional Autonoma de Mexico

Gisele Remy

Chief Financial Officer and

Executive Vice President

• Chief Financial Officer since 2023

• Previously Managing Director of Finance and Productivity at Alicorp and Director of Strategy and Treasury at Belcorp

• B.S. in Business Administration with concentration in Finance from the Wharton School of the University of Pennsylvania

  Lorenzo Massart

  Executive Vice President, Strategy and

  Equity Capital Markets

  
  
  

  • EVP, Strategy and Equity Capital Markets since 2024

  • Previously at Enfoca, Citi, Bank of America, Morgan Stanley and McKinsey

  • Master in Business Administration from the Wharton School of the University of Pennsylvania and B.S. and M.S. from HEC

Years of experience

Lausanne

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4Q'24 Adjusted EBITDA2-14% FXN2 YoY with 19.5% margin, -4.5p.p. vs 4Q'24.

FY25 Adjusted EBITDA2 -3% FXN YoY with 20.9% margin -1.7p.p vs 22.6% in FY24.

Reported results impacted by depreciation of PEN/MXN (-1%) and appreciation of PEN/COP (3%) YoY

Mexico enters 2026 with expanded reach into larger segments of privately insured families throughnew favorable tier classifications by major insurersand improved economics from the extension of the healthcare plan to cover ISSTELEON employees.

Sustained growth in Peru resulting from strong pricing mix in healthcare network and solid performance at Oncosalud with record Oncology MLR of 48.5%.

Colombia closed 2025 with results fully aligned with our risk mitigation strategy favoring risk-

sharing models, now at 21% of revenues, and diversifying away from intervened payors.

Positive Adjusted Net Income1 at S/ 136 million for 4Q'25 and S/336 million for FY25.

Leverage Ratio1 unchanged at 3.6x, as we maintained disciplined balance sheet

management.

End of period cash and Free cash Flow increased 42% and 35% YoY respectively,

demonstrating effective cost management across the organization.

Notes: 1. Adjusted EBITDA, Adjusted Net Income and Leverage Ratio are non-IFRS financial measures. For a description and a reconciliation of these non-IFRS financial measures to the corresponding nearest IFRS measure, please see the exhibit to this presentation. 2. As reported, 4Q25 Adjusted EBITDA decreased 13% YoY to S/220 million, and FY25 Adjusted EBITDA decreased 8% YoY to S/917 million.

"Results were in line with our expectations in

Peru and Colombia and

reflected challenges in Mexico, where we now have the foundation to return to a sustainable, and high-growth path."

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Consolidated 4Q25 Consolidated FY25

Revenue (S/)

1,133 Mn

+7%

+6% FXN YoY

Adjusted EBITDA(1) (S/)

220 Mn

-13%

-14% FXN YoY

Revenue (S/)

4,385 Mn

+0%

+4% FXN YoY

Adjusted EBITDA (1) (S/)

917 Mn

-8%

-3% FXN YoY

Healthcare Services Oncosalud Peru Cash Flow

Bed capacity (2)

2,224

beds

Total Capacity Utilization

64%

-2.3 p.p. YoY

Plan Memberships

1,424,695

+4.4% YoY

Oncology

Oncology MLR

48.5%

-4.4 p.p. YoY

Free Cash Flow (3)

582 Mn

+35% YoY

Notes: 1. Adjusted EBITDA is a non-IFRS financial measure. For a description and a reconciliation of this non-IFRS financial measure to the corresponding nearest IFRS measure, please see the exhibit to this presentation.

2. Includes all beds within the Healthcare Network and excludes 109 Oncology beds. 3. Free cash flow is a non IFRS measure. For a description and reconciliation to the nearest IFRS measure see the exhibit to this presentation. 5

Strong Performance in Peru and Resilience in Colombia, With Signs of Recovery in Mexico

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