Slides
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02 The statementscontainedhereinhavebeen preparedbasedon information subject to change, as well as future risks and uncertaintiesinherent to the Company’sactivities. Accordingly,this presentation does not guarantee future results, which may differ from the projectionspresentedherein. Therefore,the Companyand 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 T oys“R”UsLaunch Ripley introduced the Toys“R”Us brand in Chile and Peru, strengthening the toys category and the overall family experience. The offering is available in physical stores and across digital channels, consolidating an integrated omnichannel experience.. 3 Mall Aventura Leads Brand Perception in the Country Mall Aventura was recognized in the 2025 Total Brands ranking by BBK Group and Criteria, achieving #1 in Shopping Centers and #7 in Retail, reinforcing its strong positioning and closeness to consumers. Recognition in the 2025 CXI Index Ripley Peru was ranked #1 in the 2025 CXI Index in the Department Store category, highlighting our omnichannel experience and strong customer preference. 21 Ripley Introduces Spavaldi Ripley launched Spavaldi, its new private-label menswear brand inspired by Italian design, offering a classic and contemporary style focused on high-quality materials. This launch strengthens the company’s differentiation strategy and value proposition within the apparel segment. 4
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Financial Highlights
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06 Ripley Corp 3Q25: Revenue growth of 5.7% YoY and improved profitability across all three business segments Revenue (CLP mm) • Revenue expansion driven by portfolio growth in both countries, supported by the appreciation of the Peruvian sol against the Chilean peso and the continued growth of Mall Aventura • Ripley Chile Bank: +13.1% YoY (+21.0% YoY in gross portfolio) • Ripley Peru Bank: +12.2% YoY in CLP (+8.0% YoY in gross portfolio in PEN) • Real Estate Segment: +13.9% YoY in CLP (+4.7% YoY in PEN; 98.1% occupancy rate¹) • Contribution growth of 10.3%, with a 154 bps expansion in gross margin • Operating Income increased 22 .2% YoY, driven by Retail Chile, the Real Estate segment, and Banco Peru Highlights 3Q24 3Q25 9M24 9M25 467,806 494,541 1,443,030 1,522,907+5.7% +5.5% Gross Profit (CLP mm) & Gross Margin (%) 35.2% 164,634 3Q24 36.7% 181,671 3Q25 33.3% 480,105 9M24 36.7% 558,612 9M25 +10.3% +16.4%Gross Margin EBIT (CLP mm) 3Q24 3Q25 9M24 9M25 11,995 14,660 35,398 66,917+22.2% +89.0% 02. Financial Highlights 1. Occupancy rate excludes office space.
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07 Ripley Corp 3Q25: EBITDA increased 6.6% YoY, driven by higher contribution across all three business segments 164,634 -132,874 3Q24 EBITDA 181,671 -147,822 3Q25 EBITDA 31,760 33,849 + 25.114 - 16.514 +6.6% Gross Profit SG&A net of D&A EBITDA Breakdown – Ripley Corp (CLP mm) 6,8% EBITDA Margin 6,8% EBITDA Margin 02. Financial Highlights Gross Profit by Segment (CLP mm) 84,891 65,414 13,195 1,134 3T24 95,406 75,284 15,968 -4,987 3T25 164,634 181,671 +21,0% +15,1% +12,4% +10.3% Retail Gross Profit Bank Gross Profit Real Estate Gross Profit Headquarters Gross Profit
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Ripley Corp 3Q25: EBIT expanded 22.2% YoY, marking the best third -quarter performance (excluding 2021) Ripley Corp Income Statement (CLP mm) 02. Financial Highlights 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 6,124 -16,898 49,652 -19,404 -32,569 11,995 14,660 +22.2% Ripley Corp EBIT (CLP mm) (Amounts in CLP mm) 3Q24 3Q25 Var % 9M24 9M25 Var % Revenues from Ordinary Activities 467.806 494.541 5,7% 1.443.030 1.522.907 5,5% Gross Profit 164.634 181.671 10,3% 480.105 558.612 16,4% SG&A Expenses (152.640) (167.011) 9,4% (444.707) (491.696) 10,6% EBIT 11.995 14.660 22,2% 35.398 66.917 89,0% Non-Operational Result (7.163) (8.277) 15,5% (21.929) (27.400) 25,0% Income/loss Before Taxes 4.832 6.383 32,1% 13.469 39.516 193,4% Income (Loss) 6.252 3.777 -39,6% 14.897 34.890 134,2% EBITDA 31.760 33.849 6,6% 94.338 125.856 33,4%
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Results by Segment
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Contribution growth driven by a profitability -focused strategy in both countries Retail Revenue (CLP mm) y Retail Gross Margin (%) SSS Chile 3,9% 3Q21 3Q22 3Q23 3Q24 3Q25 352,551 106,595 224,243 54,818 191,362 49,722 201,141 52,613 202,809 59,643 +0.8% +13.4% Revenues Gross Profit 30.2% 24.4% 26.0% 26.2% 29.4% Gross Margin 3Q21 3Q22 3Q23 3Q24 3Q25 121,140.3 24,781.6 130,701.5 31,088.5 110,417.8 21,622.9 134,213.2 32,278.1 141,677.6 35,763.2 +5.6% +10.8% 20.5% 23.8% 19.6% 24.0% 25.2% SSS Perú -0.4% 03. Retail Segment Mejora en márgenes por nuevo mix de categorías e inventario más sano en ambos países
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10 +1,5 p.p EBITDA margin improvement in Chile. Peru maintains a solid EBITDA margin despite the high 3Q24 comparison base Inventory Evolution (CLP mm) & Inventory Days¹ Chile and Peru 0 200,000 400,000 600,000 228,952 117,427 3Q21 297,019 156,615 3Q22 233,489 129,531 3Q23 231,130 141,313 3Q24 254,495 153,704 3Q25 346,379 453,633 363,020 372,443 408,199 Chile’s Inventory Peru’s Inventory 1. Inventory days calculation: (Quarterly cost of sales / Avg. inventory current and previous quarter) * 90 Retail GAV (CLP mm) 74.7 107.7 148.2 142.4 138.8 130.8 131.8 124.0 146.0 131.2 Chile Inventory Days Peru Inventory Days 00.0000 0.0008 0.0010 67,357 24,237 3Q21 70,134 31,331 3Q22 71,324 28,042 3Q23 70,069 27,811 3Q24 72,833 33,586 3Q25 91,594 101,465 99,367 97,880 106,419 Chile GAV Peru GAV Retail EBITDA (CLP mm) 03. Retail Segment -10,000 0 60,000 -20,000 47,921 4,361 3Q21 -5,975 4,283 3Q22 -11,232 -2,330 3Q23 8,777 3Q24 -3,184 6,456 3Q25 52,282 -1,692 -13,562 1,618 3,272 -7,159 Chile EBITDA Peru EBITDA 11.0% -0.5% -4.5% 0.5% 0.9% 19.3% 28.6% 32.9% 29.2% 30.9% SG&A/Revenues Improvement in obsolete inventory YoY Chile -0,4 p.p Perú -0,5 p.p EBITDA Margin
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Ripley Peru Bank (S/. mm)Ripley Chile Bank (Thousands CLP mm) Gross Loans and NPL >90 Days (%)¹ Net Income (CLP mm) 866 651 753 944 889 860 871 870 969 985 0 1 2 3 4 5 6 7 8 4Q22 4.9% 4Q23 4.7% 1Q24 4.5% 6.1% 4.0% 4Q19 3Q24 3.5%3.0% 4Q24 3.3% 4Q20 1Q25 3.3% 2Q25 3.4% 3Q25 1.9% 4Q21 4.0% 1,038 1,058 2Q24 +21.6% NPL > 90 Days Gross Loans 0.00 0.05 0.10 0.15 0.20 4Q22 5.3% 4Q23 5.0% 5.2% 2Q24 4.1% 3Q244Q19 2.8% 4Q24 3.1% 11.3% 1Q25 3.3%3.4% 2Q25 3.1% 4Q20 3Q25 1.7% 4Q21 2.6% 1,944 1,590 1,450 1,718 1,633 1Q24 1,383 1,290 1,360 1,353 1,393 1,3931,469 +8.0% NPL > 90 Days Gross Loans 1. Consumer Loan Portfolio Chile grows its loan portfolio by over 20%, while Peru increases its net income by 37% 03. Banking Segment -597 -917 0.5 1.0 1.5 0.0 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 -2,083 -4,342 -3,956 -8,598 -3,817 -3,337 3,333 1,889 3,274 3,393 4,569 3Q25 37.1% -253 -113 -432 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 2,412 1,788 -5,590 7,428 9,074 9,217 6,116 10,926 11,097 8,974 -2.6% Net Income
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13 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 3Q24 4Q24 1Q25 2Q25 3Q25 6,238 7,534 6,134 6,587 6,411 +2.8% Net Income² (CLP mm)Revenue (CLP mm) Shopping Centers: Chile¹ 5 2 Presense en 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., 2. in which Ripley holds a 50% ownership. Mall GLA Occupancy Viña del Mar 100.930 sqm 96.2% Curicó 51.673 sqm 94.8% Concepción 36.717 sqm 96.2% EBITDA (CLP mm) Tenant Sales (CLP mm) 0 10 20 30 40 50 60 70 0.0 0.5 1.0 1.5 2.0 3Q24 4Q24 1Q25 2Q25 3Q25 15,611 19,565 17,550 16,817 16,597 +6.3% 0 10 20 30 40 50 60 70 0.0 0.5 1.0 1.5 3Q24 3Q25 14,261 14,653 +2.7% 0 2 4 6 8 10 12 14 3Q24 3Q25 131,079 133,744 +2.0% 03. Real Estate Segment 2. The profit presented corresponds to the total result of Grupo Marina. Ripley Corp records 50% of this profit under ParticipaciónenAsociadas.
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14 0 20 40 60 80 100 3Q24 4Q24 1Q25 2Q25 3Q25 14,924 15,809 14,404 14,729 15,062 +0.9% Visitor Traffic (m) Tenant Sales (S/. mm) Mall Aventura Revenue¹ (CLP mm) 19,0% 0 20 40 60 80 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 10,022 14,172 15,464 15,253 15,120 16,555 16,424 16,471 17,231 +14.0% 0 20 40 60 80 100 3Q24 4Q24 1Q25 2Q25 3Q25 595 701 589 602 608 2.3% EBITDA Mall Aventura (CLP mm) & EBITDA Margin (%) -20 0 20 40 60 80 8,000 0 2,000 4,000 6,000 10,000 12,000 14,000 16,000 85.5% 14,152 4Q24 86.2% 14,155 1Q254Q23 14,535 2Q25 88.8% 15,300 3Q25 75.0% 7,515 3Q23 80.8% 11,446 80.9% 12,506 1Q24 86.6% 88.2% 13,214 2Q24 83.1% 12,568 3Q24 +21.7% Mall Aventura with record profitability levels 1. Mall Aventura’s revenues are recognized under IFRS 16.. 2. Occupancy rate excludes office space. 3Q24 3Q25 97.8% 98.1% +0.3 p.p. Occupancy² (%) 03. Real Estate Segment
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14 03. Real Estate Segment New Growth Drivers: Expansions and New Projects Market Opportunities Commercial Saturation Index (sqm per 100 inhabitants) • Expansions in Arequipa : • Additional GLA of ~4,661 sqm: • 1,350 sqm in new restaurants, scheduled to open in 4Q25. • 1,311 sqn in new entertainment areas and retail stores, scheduled to open in 4Q25. • ~2,000 sqm on the frontage, scheduled to open in 3Q26.. • New advertising revenue streams starting January 2026, with the potential to increase the EBITDA margin by 0.6 to 0.8 p.p. Chile Mexico Colombia Peru Brasil L. America 22.3 19.6 12.5 9.1 8.3 12.4 1. Source: ACCEP, Chilean Chamber of Shopping Centers, Colombian Shopping Centers Association, Mexican Association of Shopping Centers, Brazilian Association of Shopping Centers, Mall & Retail. Aerial Photo of the Arequipa Parking Area Renovation and Expansion of the Restaurant Area at Mall Aventura Arequipa (+1,350 sqm) ~2,000 sqm Expansion at Mall Aventura Arequipa, August 2026
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Financial Structure
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16 Capital Adequacy Ratio in Peru (%) Non Banking Segment Banking Segment Capital Adequacy Ratio in Chile (%) Net Financial Debt (MMCLP) and Debt-to-Equity Ratio 4Q24¹ 1Q25 2Q25 3Q25² 15,0% 16,9% 15,7% 16,9% 15,8% 16,7% 15,7% 16,9% Ripley Chile Bank Industry 4Q24 1Q25 2Q25 3Q25² 17,5% 17,4% 17,9% 17,0% 18,5% 17,8% 19,6% 17,7% 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’s Basel Indicator for 3Q25 is reported as of August 2025 in both Chile and Peru. 0 500,000 -0.2 -0.1 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.21x 3Q24 0.21x 3Q25 416,016 451,508 NFD / Assets NFD 04. Financial Structure
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Thank you!