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Investor Presentation May 11, 2022

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ABITAREIN

INVESTOR PRESENTATION

OUR MISSION

To satisfy the HOUSING NEEDS of today's families With an INDUSTRIAL AND SCALABLE business model

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TABLE OF CONTENTS

PROJECTS UNDER DEVELOPMENT IN MILAN: OUR PIPELINE

THE PIPELINE AT A GLANCE - FIGURES

Ahead of the market and in absence of competitors, accelerated by distressed assets and NPLs, in just 7 years we have implemented the best and largest pipeline of projects in Milan, at a price way below the target for current values. Today, we are in the position to buy sites for development over a 5-year period, thus keeping the carrying amount of the sites low and being able to decide in an opportunistic way which and how many projects start

RESIDENTIAL DEVELOPMENT PIPELINE
296,0003-4
sqm
NET SALEABLE AREA
1.3 BN €7
TOTAL REVENUES OF PIPELINE
551 €/sqm
NET SALEABLE AREA PURCHASE COST
3,2971-5
APARTMENTS
22
PROJECTS
PIPELINE MATURITY
APARTMENTS1 READY TO BE
COMMERCIALIZED6
1,285 2,464
END OF 2022 END OF 2023

Notes:

1) No. of apartments, considering an average surface area of 92 m2 for standard units and 82 m2 for social housing. The actual number of apartments built and for which contracts have been signed - without prejudice to the combined floor area (m2) - may vary depending on the custom size of the real estate units.

2) May differ from the no. of apartments depending on the actual size of the apartments sold. In the most recent transactions, AbitareIn has noted a significant and progressive increase in the average size of apartments sold.

3) Includes 12,800 m2 of net saleable area - equal to 140 standard apartment units - currently being assessed for development into coliving units

through the subsidiary Homizy S.p.A. 4) Of which 26,000 m2 of net saleable area of social housing.

5) Of which 317 social housing apartments.

6) Building works can be started in 12 months

7) Value update to the current average selling price

NEXT DELIVERIES

During fiscal year 2023 (October 2022 – September 2023) more than 430 apartments* (worth a total of over € 180 million) of the Milano City Village, Palazzo Naviglio and Trilogy Towers projects will be delivered to clients

* No. of apartments, considering an average surface area of 92 m2. The actual number of apartments built and for which contracts have been signed - without prejudice to the combined floor area (m2) - may vary depending on the custom size of the real estate units.

2017 – 2021: STUNNING GROWTH

Over the years we have grown at the pace typical of the technology sector we come from, while never losing sight of the fundamentals and keeping our risk profile to a minimum.

30/09/2017 30/09/2018 30/09/2019 30/09/2020 30/09/2021
TOTAL REVENUES (MN €) 9 49** 44.6 73.1 124.81
EBT (MN €) 2 4 9,4 12.4 19.6
ORDER BOOK*** (MN €) 54 146 190 225.8 265
ORDER BOOK*** (UNITS) 114 248 485 586 634
CONTRACTUALIZED DOWN PAYMENT
(MN €)***
14 39 56 69 82
PIPELINE (UNITS) 690 1,180 2,050 2,530 3,318
PIPELINE REVENUES (MN €)**** 293 501.2 870.8 1,074 1,300
LOANS/FINANCING APPROVED 9 94.7 119.2 193.8 217
OF WHICH USED 0.2 27.3 53.9 72.2 88

IFRS financial statement– 2017 proforma

* Net of new areas purchase

** Revenue is influenced (increased) by the final conveyance agreements associated with new sites

*** Cumulative data as at 30 September of each year

**** Value updated to the current average selling price

  1. Of which € 49.7 mln for areas purchase

THE BUSINESS MODEL

We focus solely on demolition and reconstruction of the existing floor area and we manage all the related activities inhouse, with the best resources available on the market. We only outsource the construction phase, which is just a commodity with low profitability. Long lead times for authorization process are an advantage for us, because they create an entry barrier for our peers, and thanks to our pipeline we can start earlier and carry out several projects in parallel

AUTHORISATION PROCESS

6-24 months. Up to 4 years for large project approvals (plot above 15.000 sqm or abt 20.000 sellable sqm)

MARKETING - PRELIMINARY NOTARIAL DEEDS (BEFORE WE SELL, THAN WE BUILD)

  • 3/6 months. Collection of purchasing proposals and sign of preliminary deeds (notary)
  • 30% advances by customers, guaranteed by an insurance policy

CONSTRUCTION

  • 21/24 months
  • we don't start building until we have sold at least 70% of units (100% historically)

DELIVERY - NOTARIAL DEEDS

  • 3 months
  • No inventory left at closure

Activity managed in-house

TABLE OF CONTENTS

MILAN - A SUSTAINABLE GROWTH

Thanks to a growing demand, favorable taxation, affordable prices - even compared with salaries - and lack of "quality" product, Milano is one of the most interesting market worldwide with a long horizon of rising prices

Source: UBS Real Estate Bubble Index 2021

11

THE RESIDENTIAL PROPERTY MARKET IN MILAN

During the last year, the housing market fully closed the 2020 gap, resuming that upward trend that had begun before the pandemic

  • 7,523 transactions in 4° Q 2021 + 15.2% compared to 2020 and + 5.1% compared to 20191

  • 12% supply in one year2

  • 4.9% prices increase in one year2

NEW BUILDS: average sales price of 5,798 €/sqm3, due to the development of an increasingly selective demand - which prefers the quality and performance that only new buildings can guarantee – combined with a structural supply shortage.

Forecasts for the near future also remain extremely positive: + 4.2 % prices increase in 20224 (+6.5% for new builds5) 27,700 transactions in 20226

  • 3- Rilevazioni della Commissione Immobili della Camera di Commercio Milano, Monza Brianza, Lodi
  • 4- Immobiliare.it
  • 5- Idealista.it
  • 6- Scenari Immobiliari Rapporto 2021 sul mercato immobiliare della Città metropolitana di Milano | Una nuova Milano

1- OMI – Residenziale, statistiche quarto trimestre 2021

2- Osservatorio trimestrale Immobiliare Insights

RESIDENTIAL - THE NEW ASSET CLASS

Residential sector is the most rising asset class worldwide, esteemed not only by families but also by big investment funds. Thanks to its inner resilience, to the spread of new technologies and to the new working models, it overcame the pandemic stronger than ever

47.000 MN £ COMPANY MKT CAP

Where total Market Cap has grown by 1900% in 12 years (and 2800% from the negative peak)

Home Construction (Sector ID # 40202010*) Consumer Products/Household Goods

170 MN €

THE ONLY COMPANY: At Borsa Italiana we are the only residential developer

Considering that the value of residential transactions in UK is just over double than in Italy, the growth potential is huge

Persimmon
PLC (PSN)
9.110 M £
Barratt
Developments
(BDEV)
7.650 M £
Taylor Wimpey
(TW)
6.400 M £
Berkeley Holdings
(BKG)
5.350 M £
Bellway
PLC (BWY)
4.120 M £
Vistry
Group (VTY)
2.630 M £
Redrow
PLC (RDW)
2.470 M £
Countryside
Properties
(CSP)
2.300 M £
Nexity
(NXI)
2.280 M €
Altareit
(AREIT)
1.150 M €
Crest Nicholson
Holdings (CRST)
955 M £
Glenveagh
Prop.Plc
(GVR)
951 M €
Cairn Homes
Plc (C5H)
873 M €
Kaufman Et Broad
(KOF)
802 M €
AbitareIn
(ABT)
200 M €

ABITAREIN - INVESTMENT OPPORTUNITY

The stock recorded exceptional growth Due to the current market situation, the stock price doesn't reflect the real value of the Company

  1. As at April, 7 2022

TABLE OF CONTENTS

WE BUILD HOMES - #STILISTIURBANI

By focusing on: Product; Market and Geographic area, we developed a unique level of know-how that makes us the best in our field

FOR THE FAMILIES

The average age of our customers is 36 years old. They live the City and buy the house to live in. A type of customer less subject to market's cycles

AFFORDABLE PRICE RANGE We cover the 60% of the market

MADE IN MILANO A Tailor-Made product: best expression of milanese style

LOW CONSUMPTION AND MANAGING COSTS

NEW BUILDS We demolish disused buildings to build new residential complexes

That allows to save money and to afford a higher mortgage instalment

RESPONSIBILITY SENSE

Building to Regenerate, with utmost respect for social, environmental and energy performance factors

WE ARE A HI-TECH COMPANY

We invests 4% of revenues in Research and Development. Our digital capabilities are comparable to those of a .COM

Proprietary design model

Integration BIM + Salesforce + Accounting (PRODECTO)

A.I. and virtual assistant available h24

Online configurator similar to automotive industry

Virtual Reality

E-commerce platform

Digitalization of all docs and signatures

Online payments

TABLE OF CONTENTS

UKRAINIAN CRISIS AND PANDEMIC – DYNAMICS AND PRICE INCREASE

The only driver of our sector is the demand – offer ratio, COVID emergency and ecologists have just accelerated and amplified the ongoing changes in people's housing needs, which will involve price increase considering the current situation. Ukrainian crisis and the uncertainty of the markets seem to have even more underlined the resilience of the residential development and the importance of the house as safe-heaven asset

SUPPLY DECREASE DUE TO

  • Slowdown of public administration in the issuing of authorizations, due to Covid emergency, bureaucracy and political guidelines
  • International big funds are competing to buy or develop residential buildings for PRS

QUALITATIVE AND QUANTITATIVE DEMAND INCREASE

  • Growth of the «replacement demand» in addition to the «first time buyers»
  • Newly built houses, healthier, brighter and more ecologic
  • Customizable product, to satisfy the specific customers' needs
  • Revival of investors (house as safe-haven assets)
  • Convenient taxation

OUR PROJECTS - DYNAMICS AND PRICE INCREASE

Structural product shortages are leading to price increases (though remaining affordable to families), leaving ample space for improvement before reaching European benchmarks

INCREASE OF CONSTRUCTION COSTS

We got prepared and still working to face an increase, even significant, of construction costs, not only by increasing sales prices and adapting contracts but also by optimizing the product, modifying some construction techniques and planning in advance purchases within framework agreements.

PRICE ADJUSTMENT CLAUSE

In the contracts with customers, allowing the sale price of apartments that have already been the subject of a preliminary contract to be adjusted on the basis of the construction cost index issued by ISTAT.

CAREFUL PLANNING Temporal variation in signing building contracts

SELLING PRICE INCREASE

FIXED PRICE CONTRACTS With construction companies

FISCAL BONUS Opportunities offered in support of renovation of the building stock

CHANGES AND OPTIMIZATION OF THE PRODUCT

The customer deposits and the concentration of production in the final stages of the site mean that the incidence of financial charges does not exceed 1% of revenues, €0.8* million in 52 months for an operation with €76 million in revenues

Even assuming a growth of EURIBOR of 500 bp, the incidence of financial charges would rise to less than 2.2% of revenues

* spread 2.5%, customer deposits 27%, bank loan 60%, equity 2 million, guarantee withholding 10%, staged payments based on progress of works at 90 days

- expansionary cycle, site purchase prior to marketing

TABLE OF CONTENTS

FOR US SUSTAINABILITY IS AN ESSENTIAL VALUE

Among the 100 Italian excellences in sustainability

The impact of our urban regeneration on the environment

22,155 MWh/year Energy saving

2,335 apartments N. of energy class A apartments

35,460 sqm Filtering surface

7,754 tons/year Reduction of CO2 emissions

1,980 Planted trees

114 tons/year CO2 emissions balanced out

3,792 MWh/anno Energy from renewable sources

ESG report 2020 25

WE REALLY CARE ABOUT OUR CITY WE REALLY DO GOOD TO OUR PLANET

OUR BUSINESS IS INTRINSECALLY LINKED TO SUSTAINABILITY

NEXT STEP: HOMIZY LISTED ON EURONEXT ITALIA GROWTH

THE HOMIZY PRODUCT

HOMIZY is the RESIDENTIAL VERSION of the SHARING ECONOMY.

Transforming the "home" into A SHARING EXPERIENCE

bringing people together to make those who choose Milan to enhance their personal and professional growth "FEEL AT HOME"

An SPV, 70% owned by AbitareIn, that raised in 2020 a first tranche of equity at a pre-money value of € 34.4 Mln and in 2021 went public on Euronext Growth with a post-money value of € 55 mln.

PROPERTY, SPACE AND SERVICES ARE SHARED to create new socializing opportunities EXTENSIVE USE OF TECHNOLOGY

GREATER MANAGEMENT EFFICIENCY and optimization of resources

MAKING THE MOST OF ABITAREIN'S ECONOMIES OF SCALE AND KNOW-HOW we present a new-build product in Milan, quality and design with a price range of Euro 550-900 per room, all inclusive

OUR TARGET

Our typical co-resident is a YOUNG PROFESSIONAL:

AGED BETWEEN 20 TO 35

who relocate from their hometowns FOR WORK

or who want to fly the nest to BECOME MORE INDEPENDENT

TABLE OF CONTENTS

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