Slides
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02 The statements contained herein have been prepared based on informationsubject to change,as well as future risks and uncertainties inherent to the Company’s activities. Accordingly, this presentation does not guarantee future results, which may differ from the projections presented herein. Therefore, the Company and its managementassumeno responsibilityfor such differences. Disclaimer of Liability
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Recent Highlights and ESG Progress
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04 01. Recent Highlights and ESG progress Products with Sustainable Attributes 89% of private label apparel includes at least one certified sustainable attribute, moving forward toward the goal of 100% by 2026. 3 Ecommerce Awards Recognition At the 2025 eCommerce Day, Ripley Perú was recognized for the second consecutive year with the Ecommerce Award for Best Mobile & In- Store Experience and took part in a panel discussion on artificial intelligence and the future of retail. Recognition in Merco Talento 2025 Ripley Chile ranked 3rd in Retail and 26th overall, while Ripley Perú consolidated its position as 3rd in the sector and 27th overall, standing out for its ability to attract and retain talent. 21 Renewable Energy Since January 2025, Mall Aventura Chiclayo has been operating with 100% renewable energy, joining the Santa Anita, Arequipa, and San Juan de Lurigancho shopping centers, through a partnership with Pluz Energía. 4
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Financial Highlights
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06 Ripley Corp 2Q25: Focus on profitability and growth delivers the highest EBIT ever for a second quarter REVENUE (MMCLP) • Revenue expansion driven by stronger consumer activity in Peru, the appreciation of the Peruvian sol against the Chilean peso, and growth in the loan portfolio in Chile • Retail Peru : +8.7% YoY in CLP (+ 4.7% in local currency ; SSS +9.0%) • Banco Ripley Chile : +7.1% YoY (+ 18 .6% gross loan portfolio YoY) • Contribution growth of 14.7% in 2Q25 , with a 352 bps gross margin expansion • Operating Income up 42 .0% YoY, driven by the Banking Segment (+CLP 12 billion) and Retail Peru (+CLP 4 billion) Highlights 2Q24 2Q25 6M24 6M25 514,157 533,160 975,225 1,028,366 +3.7% +5.4% GROSS PROFIT & GROSS MARGIN (MMCLP) 33.3% 2Q24 36.8% 2Q25 32.3% 6M24 36.7% 6M25 171,129 196,242 315,470 376,942 +14.7% +19.5% Gross Margin EBIT (MMCLP) 2Q24 2Q25 6M24 6M25 20,560 29,199 23,403 52,257 +42.0% +123.3% 02. Financial Highlights
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07 RIPLEY CORP EBITDA 1 (MMCLP) Ripley Corp 2Q25: EBITDA up 21.3% YoY with a 9.2% margin (+133 bps) , driven by improvements in the Banking Segment and Retail Peru 40,405 EBITDA 2Q24 3,934 Chile Bank 3,537 Peru Retail 2,561 Peru Bank² 1,323 Real State 230 CL & Corp Headquarters -2,986 Chile Retail 49,004 EBITDA 2Q25 + 8,600 EBITDA 2Q24 EBITDA 2Q25 40,405 49,004 171,129 -130,724 196,242 -147,238 + 25,114 - 16,514 +8,600 Gross Profit SG&A Net of D&A RIPLEY CORP EBITDA BREAKDOWN (MMCLP) 1. YoY EBITDA variations by segment. 2. Includes IFRS 9 Credit Risk from Banco Peru, Classified Under the Peru Headquarters Segment. 7.9% EBITDA Margin 9.2% EBITDA Margin 02. Financial Highlights
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08 RIPLEY CORP¹ NET INCOME (MMCLP) Ripley Corp 2Q25: Net income doubled excluding FV, marking the best second -quarter result since 2011 RIPLEY CORP INCOME STATEMENT (MMCLP) 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 14,411 -44,622 5,822 -11,705 -16,776 8,644 17,218 + 8,574 1. Excludes net Fair Value effect. 02. Financial Highlights (Figures in CLP millions) 2Q24 2Q25 Var % 6M24 6M25 Revenues from Ordinary Activities 514.157 533.160 3,7% 975.225 1.028.366 Gross Profit 171.129 196.242 14,7% 315.470 376.942 SG&A Expenses (150.569) (167.043) 10,9% (292.067) (324.685) EBIT 20.560 29.199 42,0% 23.403 52.257 Non-Operational Result (12.742) (10.519) -17,4% (14.766) (19.124) Income/loss Before Taxes 7.817 18.680 139,0% 8.637 33.133 Income (Loss) 11.125 15.736 41,5% 8.645 31.112 Profit (Loss) net Fair Value effect 8.644 17.218 99,2% 5.955 32.273 EBITDA 40.405 49.004 21,3% 62.578 92.007
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Results by Segment
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Contribution growth driven by the focus on profitability in both countries 10 Retail Revenue (MMCLP) & Retail Gross Margin (%) Chile SSS 5,5% 2Q21 2Q22 2Q23 2Q24 2Q25 282,020 67,538 274,185 71,462 235,900 60,093 249,197 72,979 247,610 78,867 -0.6% +8.1% Revenue Gross Profit 23.9% 26.1% 25.5% 29.3% 31.9% Gross Margin 2Q21 2Q22 2Q23 2Q24 2Q25 101,179 23,485 128,129 33,940 108,648 25,417 132,614 34,078 144,176 39,416 +8.7% +15.7% 23.2% 26.5% 23.4% 25.7% 27.3% Peru SSS 9,0% 03. Retail Segment
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10 +1,5 p.p Record second -quarter result in Peru Inventory Evolution (MMCLP) & Inventory Days¹ Chile and Peru 1. Inventory days calculation: (Quarterly cost of sales / Avg. inventory current and previous quarter) * 90 Retail SG&A (MMCLP) 0 20.000.000 40.000.000 60.000.000 80.000.000 100.000.000 120.000.000 0,0000 0,0002 0,0004 0,0006 0,0008 0,0010 58.701 22.353 2Q21 73.800 29.142 2Q22 72.950 29.084 2Q23 72.528 30.653 2Q24 80.984 31.936 2Q25 81.054 102.942 102.034 103.181 112.920 Chile SG&A Peru SG&A EBITDA Retail (MMCLP) 03. Retail Segment -5.000 0 5.000 10.000 15.000 20.000 25.000 17.414 4.915 2Q21 7.037 9.073 2Q22 (2.642) 255 2Q23 10.959 8.071 2Q24 7.973 11.608 2Q25 22.329 16.110 -2.387 19.030 19.581 Chile EBITDA EBITDA Peru 5,8% 4,0% -0,7% 5,0% 5,0% EBITDA Margin 21,2% 25,6% 29,6% 27,0% 28,8% SG&A/Revenue 0 200,000 400,000 600,000 179,466 113,121 2Q21 260,830 158,527 2Q22 203,370 128,600 2Q23 203,908 139,477 2Q24 209,995 154,994 2Q25 292,587 419,357 331,970 343,384 364,989 Chile’s Inventory Peru’s Inventory 77.6 128.8 115.6 145.1 115.4 135.0 105.3 130.8 115.6 130.9 Chile Inventory Days Peru Inventory Days
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11 Ripley Peru Bank (MMS/.)Ripley Chile Bank (Thousands MMCLP) Gross Loans and Delinquency >90 days %¹Net Income 866 651 753 944 889 860 871 870 969 985 0 1 2 3 4 5 6 7 8 4Q19 3.0% 4Q20 1.9% 4Q21 4.0% 4Q22 4.9% 4Q23 3.5%4.0% 4Q24 3.3% 2Q24 1Q25 3.3% 3Q24 2Q25 4.5% 1Q24 4.7% 1,038 6.1% +19.1% 90-Day Delinquency Gross Loan Portfolio 0.00 0.05 0.10 0.15 0.20 2.8% 4Q19 11.3% 4Q20 1.7% 4Q21 2.6% 4Q22 5.3% 4Q23 5.0% 1Q24 3.1%3.4% 1Q25 3.3% 3Q24 2Q25 4.1% 2Q24 5.2% 1,944 1,590 1,450 1,718 1,633 4Q24 1,383 1,290 1,360 1,353 1,3931,469 +2.9% 90-Day Delinquency Gross Loan Portfolio 1.Consumer Loan Portfolio Chile grows +3.0x above industry, and >90d delinquency stabilizes at low levels in both countries 03. Bank Segment -597 -917 0.5 1.0 1.5 0.0 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 -1,949 -2,083 -4,342 -3,956 -8,598 -3,817 -3,337 3,333 1,889 3,274 3,393 2Q25 +6,731 -253 -113 -432 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 5,315 2,412 1,788 -5,590 7,428 9,074 9,217 6,116 10,926 11,097 +22.3%
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13 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 2Q24 3Q24 4Q24 1Q25 2Q25 4,489 6,238 7,534 6,134 6,587 +46.7% Net Income² (MMCLP)Revenue (MMCLP) Shopping Centers: Chile¹ 5 2 Presence in Chile 1 2 3 1. In Chile, the result of this segment is mainly related to the stake in the associate company InmobiliariaMall Viña del Mar S.A., in which Ripley holds a 50% ownership. Mall GLA Occupancy Viña del Mar 100,915 m2 95.9% Curicó 51,673 m2 95.1% Concepción 36,718 m2 96.4% EBITDA (MMCLP) Tenant Sales 0 10 20 30 40 50 60 70 0.0 0.5 1.0 1.5 2.0 2Q24 3Q24 4Q24 1Q25 2Q25 15,580 15,611 19,565 17,550 16,817 +7.9% 0 10 20 30 40 50 60 70 0.0 0.2 0.4 0.6 0.8 1.0 1.2 1.4 1.6 2Q24 2Q25 14,164 15,781 +11.4% 0 5 10 15 2Q24 2Q25 137,540 144,196 +4.8% 90.9% 93.8% EBITDA Margin 03. Real Estate Segment 2. The profit presented corresponds to the total result of Grupo Marina. Ripley Corp records 50% of this profit under Participaciónen Asociadas.
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14 0 20 40 60 80 100 2Q24 3Q24 4Q24 1Q25 2Q25 13,390 14,924 15,809 14,404 14,729 +10.0% Visitor Traffic (M) Tenant Sales (MMS/.) Mall Aventura Revenue¹ (MMCLP) 19,0% 0 20 40 60 80 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 8,581 10,022 14,172 15,464 15,253 15,102 16,555 16,424 16,471 +8.0% 0 20 40 60 80 100 2Q24 3Q24 4Q24 1Q25 2Q25 539 595 701 589 602 11.6% Mall Aventura EBITDA (MMCLP) & EBITDA Margin (%) -20 0 20 40 60 80 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 75.9% 6,509 2Q23 75.0% 7,515 3Q23 80.8% 11,446 4Q23 80.9% 12,506 3Q24 85.5% 14,152 4Q24 86.2% 14,155 1Q24 88.2% 14,535 2Q25 86.6% 13,214 2Q24 83.2% 12,568 1Q25 +10.0% Mall Aventura with record profitability levels 11. Mall Aventura's revenues are recorded under IFRS 16 2Q24 2Q25 96.5% 97.1% +0.6 p.p. Occupancy (%) 03. Real Estate Segment
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14 03. Real Estate Segment Strategy Progress New Sources of Growth: Expansions and New Projects Construction Potential in Current Shopping Centers +40.000 m2 of GLA Equivalent to an additional shopping center • Expansions in 2 shopping centers : Arequipa and San Juan de Lurigancho : • Additional GLA of 2,661 m² . • New entertainment, restaurants, and retail stores . • Capture of new advertising revenues starting January 2026 , with the potential to increase EBITDA margin by 0.6 to 0.8 p.p.
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Financial Structure
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16 Capital Adequacy Ratio in Perú Non Banking Segment Banking Segment Capital Adequacy Ratio in Chile Net Financial Debt (MMCLP) and Debt-to-Equity Ratio 3Q24 4Q24¹ 1Q25 2Q25² 17.8% 17.0% 15.0% 16.9% 15.7% 16.9% 15.8% 16.7% Ripley Chile Bank Industry 3Q24 4Q24 1Q25 2Q25² 17.1% 17.3% 17.5% 17.4% 17.9% 17.0% 18.5% 17.8% Ripley Peru Bank Industry Leverage over assets remains unchanged from the previous year in the NB segment 1. In Chile, Basel III requirements changed as of December 2024. 2. The industry Basel ratio for 2Q25 is reported as of April 2025 in Chile and May 2025 in Peru. -0.2 -0.1 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.20x 2Q24 0.20x 2Q25 401,468 413,684 NFD/Assets NFD 04. Financial Structure
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Thank you!