Slides
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1 Earnings Presentation 3Q-2025
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CAUTIONARY STATEMENT 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 restructuring plans. These statements use words, and variations thereof, such as the future tense verbs generally, "plan", "intend", "expect", "anticipate", "estimate", "maintain", "project", "continue", "reduce" and "grow". We caution you not to rely on these forward-looking statements as the basis for any investment or divestment decisions regarding securities issued by the Company. These statements are based on assumptions and expectations of future events at the time they are made and, therefore, are subject to uncertainty. If the underlying assumptions prove to be inaccurate, or known or unknown risks or uncertainties materialize, actual results could vary materially from the expectations and projections expressed in these forward-looking statements. Uncertainties relate to, among other things, the company's ability to successfully execute its planned projects and strategic plans, the possibility that expected benefits and opportunities may not materialize in the expected timeframe or at all, the impact of divestments, as well as risks related to the political and economic scenario; new regulations or more demanding regulatory changes; breach of rules and/or regulations; inability to attract and retain talent; cyber-attacks; failures or crashes of key systems; technological obsolescence; financial and market risks (exchange rate, inflation, interest rate, credit and liquidity); climate change causing natural disasters that affect operational continuity and/or increase costs in the value chain; inconsistency between ESG declarations and implementation; damage to infrastructure affecting physical security and operational continuity; conflicts with the community; accidents, illnesses or other events that impact the minimum number of people required to operate; failures in the supply chain and inventories; relationships with suppliers who fail to meet minimum standards; sale of products harmful to people's health or safety; inadequate identification and response to the preferences of our current and prospective customers. A more detailed list and description of these risks can be found in the Annual Report and in the notes to the financial statements of Falabella S.A., which are available online at the company's website (https://investors.grupofalabella.com), as well as on the website of the Financial Market Commission (www.cmfchile.cl). The information contained in each of these presentations pertain to the dates and for the time periods indicated therein, and the company assumes no obligation to update any of the information contained in these materials. Accordingly, you should not rely on the accuracy of any statements or other information contained in any archived webcast or video on demand as the basis for investment or divestment decisions in securities issued by the company. All numbers in this presentation are converted to US Dollars and rounded to millions.
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3 Highlights 3Q25
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4 Our retailers are maintaining their momentum showing solid topline growth, with total online GMV1 growing 17% YoY HIGHLIGHTS 3Q25 Revenue Var (%, vs 3Q24) (local currency) Chile Peru Colombia Mexico Brazil Online GMV1 4.1% -1.7% 19.1% 3.3% -6.4% 16.0% Chile Peru Colombia Online GMV1 13.9% 1.1% 12.8% 18.0% Chile Peru Online GMV 4.5% 2.1% 16.0% Chile Peru Colombia 11.6% 6.3% 12.0% 2 1 Includes 1P and 3P GMV. Excludes the calendar effect of the Cyber Monday event in Chile in 2024. 2 Peru considers the operations of Mallplaza Peru and Open Peru, on a proforma basis.
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5 Building the leading digital bank of the Andean region3 HIGHLIGHTS 3Q25 0 1 2 3 4 5 6 3Q24 4Q24 1Q25 2Q25 3Q25 Chile Peru Colombia Mexico Chile Peru Colombia Mexico 16% 10% 7% 38%6.103 7.392 3Q24 3Q25 21% Stock (US$ MM) Var vs 3Q24, in local currency 49% 46% 51% 54% 3Q24 709.521 3Q25 792.532 12% 40% 40% 60% 60% 3Q24 5.601 3Q25 6.603 18% Loan portfolio Credit card & passive account openings (#) Credit & debit card purchases (US$ MM) NPLs (%) 3 Includes the Financial Services operations in Mexico, which are not consolidated in the Financial Statements. Credit Card Passive Account Credit Card Debit Card
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6 HIGHLIGHTS 3Q25 Our strategy has allowed to enhance profitability across our five growth engines during 3Q25 EBITDA margin (%) 3Q24 3Q25 5.8% 4.9% 3Q24 3Q25 3Q24 3Q25 3Q24 3Q25 3Q24 3Q25 1.6% 4.5% 6.7% 7.1% 78.5% 81.3% 20.4% 22.4%
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7 EBITDA evolution (US$ MM) HIGHLIGHTS 3Q25 Our strategy has allowed us to continue improving our profitability 304 254 186 233 132 146 188 303 309 338 343 519 490 491 430 10.0% 1Q22 8.0% 2Q22 6.0% 3Q22 6.8% 4Q22 4.6% 1Q23 5.2% 2Q23 6.7% 3Q23 9.4% 4Q23 10.4% 1Q24 11.2% 2Q24 11.6% 3Q24 14.1% 4Q24 15.1% 1Q25 14.9% 2Q25 3Q25 13.2% EBITDA Margin (%)
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8 Our operation continues to contribute to cash improvement HIGHLIGHTS 3Q25 Evolution Cash (US$ MM) 4 Working Capital includes accounts for Inventories, Trade and other accounts receivables and Trade and other accounts payable; 5 Cash Flow - Banco Fabella Chile includes dividends and intercompany debt repayments Non-banking businesses 1.413 1.393 1.239 176 291 159 921 260 Sep-24 EBITDA (excl. IFRS16) 46 Working Capital4 Taxes 7 CAPEX & Asset Sale Cash Flow - Banco Falabella5 Net Interest Debt Dividends 6 Others Sep-25 -1%
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9 HIGHLIGHTS 3Q25 Non-banking businesses, after hedging derivatives Debt Maturity Profile (US$ million) Debt Maturity Profile (US$ MM) We continue to strengthen our financial position 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 2.9 3.6 5.0 6.3 7.3 8.6 8.2 6.5 5.7 4.7 3.7 2.6 2.5 1.9 1.8 74 308 206 286 403 2025 2026 2027 2028 2029 2030+ 2,379 As of Sep-25 Net Financial Debt / EBITDA
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10 Omnichannel strategy and disciplined execution keep driving efficiency and profitability Physical-digital ecosystem delivering strong growth and operational resilience Key takeaways from our CEO HIGHLIGHTS 3Q25 Well-positioned to innovate and seize opportunities for system expansion and growth
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11 Q&A
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E - M A I L inversionistas@falabella.cl W E B S I T E investors.grupofalabella.com