Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q4 2016 Earnings Presentation
19 slides from Grupo Supervielle Sa Class B's earnings presentation, Feb 17, 2017
Slide 1: 4Q16 Earnings Conference Call
GRUPO a SUPERVIELLE ‘a SUPERVIELLE Tarjeta Automatica s.a. ot! B > ng Cor onference Ca SUPERVIELLE Yf bron we, j “Cordial i © q la y A im Le SUPERVIELLE MANAGEMENT
Slide 2: Disclaimer
COMPANY PRESENTATION j Disclaimer This presentation contains certain forward-looking statements that reflect the current views and/or expectations of Grupo Supervielle and its management with respect to its performance, business and future events. We use words such as “believe,” “anticipate,” “plan,
Slide 3: Fourth quarter 2016 highlights
COMPANY PRESENTATION GRUPO - SUPERVIELLE Fourth quarter 2016 highlights Profitable growth reflects successful execution of strategy QQ Le EMPHASIS ON PROFITABLE GROWTH with net income up 47.8% YoY and 22.0% QoQ; ROAE of 31.3% ABOVE-INDUSTRY LOAN EXPANSION unlocking growth potential since IPO up 16.7
Slide 4: Macro overview
COMPANY PRESENTATION . GRUPO a Macro overview SUPERVIELLE | Decreasing inflation and other positive signs, support expectations of recovery in 2017 despite slower than anticipated economic activity in 2H16 BBD cor crowtH 1%) BBP iNFation (%1 23 24 0.4 = | 26 - I A3, 2013. 2014) =2015 | 1016 =2Q16 3Q
Slide 5: Financial sector
COMPANY PRESENTATION GRUPO - SUPERVIELLE Financial sector System loan and deposit growth accelerated in 4Q16 expanding above inflation BBP Lo ANs To PRIVATE SECTOR [ARS Bill] BBP 0 Posits FROM PRIVATE SECTOR [ARS Bill] i 49.4% 1 AR$ Deposits 10.5% in 4016 QoQ 76.3% in 4016 QoQ 4Q15 1Q16 2Q16 3Q16 4Q
Slide 6: Supervielle loan performance
GRUPO a SUPERVIELLE Supervielle loan performance Delivers above-market loan portfolio growth; up 16.7% QoQ and 57.6% YoY oo | 4Q16 BREAKDOWN [%] Corporate Portfolio breakdown” LOANS & LEASING, PLUS SECURITIZED TOTAL LOANS BREAKDOWN PORTFOLIO [AR$ Mill.J Loans & Leasing, plus Securitizec Large [38,82
Slide 7: Loan performance
GRUPO - SUPERVIELLE Loan performance Loan growth driven by strong performance in corporate loans and consumer finance, supported by retail | | TOTAL LOAN PORTFOLIO BREAKDOWN BY SEGMENT Loans & Leasing, plus Securitized Portfolio [AR$ Mill. J” CORPORATE RETAIL CONSUMER FINANCE 116.8% 19.8% 66.8% 8.0%
Slide 8: Funding
COMPANY PRESENTATION GRUPO a . SUPERVIELLE j Funding Growing deposit base further supported by MTN issuances contribute to improved cost of funding BB TOTAL Deposits :ARs Mill BBP 1 0TAL DEPOSITS + MEDIUM TERM NOTESLARS Mil 4Q15 1016, 2Q16 3Q16 4Q16 4Q15 1Q16 2Q16 3Q16 4Q16 MARS Deposits = Fx Deposi
Slide 9: Funding
que, j Funding Retail focused network franchise underpins deposit diversification and drives strong share of low-cost demand deposits BBP = Posits 0-0 VARIATION [%1 BBD derosit BREAKDOWN (%1 22 27 19 ' Wholesale Retail ‘ ‘ ‘ 1 § ‘ ‘ 9 5 : o—— 90 9 ——9 : COTTER Senior Citizen 7 7 Service Center 10 4
Slide 10: Gross financial margin & NIM
GRUPO a SUPERVIELLE Gross financial margin & NIM NIM expanded to 20.9% despite decline in interest rates and higher share of lower- margin US$ loans & deposits, partially offset by termination of a financial trust 4Q16 BBB ross FINANCIAL MARGIN [AR$ Mill. BB Net INTEREST MARGIN [NIM - 961 20.6 20.0
Slide 11: Service fee income & income from insurance activities
crurpo > . . . . eee SUPERVIELLE Service fee income & income from insurance activities Full fee repricing since September 2016, while insurance reflects regulatory changes impacting credit-related products BBB 7 SERVICE FEE INCOME LARS Mill] BBP come FROM INSURANCE ACTIVITIES [AR$ Mill 2,446.9 169%
Slide 12: Asset quality
GRUPO a SUPERVIELLE Asset quality In line with seasonality and business segment profile, posting improved NPLs and coverage ratios BBP Lo AN Loss PROVISIONS EVOLUTION BBB CONSUMER FINANCE - LAGGED DELINQUENCY 30+ Lagged Delinquency - Personal Loans” Cc [s9.7| [83.9] [83.2) [83.7] [87.1] ene 5.0 14%
Slide 13: Administrative expenses
Administrative expenses GRUPO a SUPERVIELLE YoY improvement in efficiency ratio, QoQ impacted by higher expenses in 4Q16 mainly driven by salary increases and higher headcount to support future growth | | ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO[AR$ Mill.) 68.2% 738% 721% 62.5% 64.5% 4Q15 1Q16 2Q1
Slide 14: Profitability
Profitability GRUPO a SUPERVIELLE 4Q16 net income up 22% QoQ; posting continued sequential recovery in ROAE and ROAA BBP NET INCOME ARs Mill 418% > Net income was AR$532.3 Mn, up 47.8% YoY and 22.0% QoQ. 13113 > ROAE increased to 31.3% in 4Q16 from 28.6% in 3Q16 532.3 and 15.6% in 2Q16 after the tem
Slide 15: Capitalization
GRUPO a SUPERVIELLE j Capitalization Successfully executing on capital deployment plan BBD CAPITAL DEPLOYMENT [Tier | ratio 961 81 15.3 soos = 13.5 12.6 12.3 ' - Li Ll Li fl March-16 Capital Consolidated pro Consolidated pro Consolidated pro Consolidated pro Tier | Ratio injection forma with RWA for
Slide 16: Meets 2016 guidance
GRUPO a . SUPERVIELLE Meets 2016 guidance FY 2016 EXPECTATIONS FY'16 reported FY'16 reported figures figures a) |e DE |e NPL Inatitey ff 3.0 22 Ly art SJ 17-20% | 206% ame) | 11.5 - 12.5% JS 1. Inludes loans, leases and securitized portfolio 2.. The TIER 1 ratio guidance includes net funds held at t
Slide 17: 2017 guidance
GRUPO a 2017 guidance SUPERVIELLE 2017 MACRO FY 2017 ASSUMPTIONS EXPECTATIONS (6) > GDP® expected to expand by 3.0% in 2017 Total Loan Efficiency - fey . fey Growth? 38-45% Ratio 63-67% > Inflation reaching 20.0% for full year 2017 Average Deposit rate MNS 3.2 - 3.6% a1 “as Bill (BADLAR) expected to
Slide 18: Implementing strategic initiatives that support accelerated efficiency after 2017
Implementing strategic initiatives that support accelerated efficiency after 2017 18
Slide 19: SUPERVIELLE
GRUPO | a SUPERVIELLE