Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q4 2025 Earnings Presentation
13 slides from Grupo Supervielle Sa Class B's earnings presentation, March 2026
Slide 1: Earnings Presentation 4Q25
Earnings Presentation 4Q25 March 2026 IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
Slide 2: Disclaimer
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,” “expect,” “intend,” “
Slide 3: 4Q25 Highlights: Delivered within Guidance Amid Elevated Credit Stress
4Q25 Highlights: Delivered within Guidance Amid Elevated Credit Stress Loan Growth Asset Deposit Profitability Outperforms Quality Growth and Capital Industry • Loan book +8% QoQ (vs. • NPL ratio 5.0% (vs. 3.9% • Deposits -6% QoQ; +23% • Net loss of AR$19.5b 2.0% system); +172% in 3Q25), in line wit
Slide 4: 4Q25 Captured Peak Volatility; 2026 Set for Progressive Normalization
4Q25 Highlights: 4Q25 Captured Peak Volatility; 2026 Set for Progressive Normalization 4Q25 Peak Volatility Amid Political Transition 2026 Outlook: Foundations Financial Deepening • Mid-term election volatility impacted 4Q25 • Structural reforms to enhance macro predictability • High real rates and
Slide 5: Executing on Our Strategy; Scaling the Ecosystem
Executing on Our Strategy; Scaling the Ecosystem Customer -Centric Cluster -Based One-stop shop investment platform & Tech Enabled Customer Strategy Fast, Disruptive Strategic SMBs & Mass Affluent Strategic Moves partnerships Cross -Selling IOL Customers Ready for what’s next • Evolving the Supervie
Slide 6: Attributable Net Loss of AR$19.5 Billion Improved QoQ
Attributable Net Loss of AR$19.5 Billion Improved QoQ, November Marked a Shift in Operating Conditions; Sound Capital and Liquidity 4Q25 EARNINGS • Lower funding • Improved • Slightly higher • Brokerage • Continued • Resulting from • Cost of • Lower tax gain costs and market quarterly activity effic
Slide 7: Commercial Lending Continues to Outpace Retail Loans
Commercial Lending Continues to Outpace Retail Loans Reflecting a Stricter Underwriting Criteria Loan portfolio evolution Mar 24 - Loan portfolio Breakdown [In AR$ Bn] QoQ YoY to date [%] Commercial portfolio +25% +64% +171% 2,300 Retail loans 37% 1,800 -4% +8% +185% 1,300 Retail 63% portfolio Comme
Slide 8: NPL Ratio at 5.0%, In Line with Industry; Net CoR of 10.4%
NPL Ratio at 5.0%, In Line with Industry; Net CoR of 10.4% Recent Trends NPL, Coverage and CoR [%] [Dec -Jan] • Company initiatives centered on 169.2% collections and refinancing targeted at 112.2% 111.6% individual and SME customers NPL • Lower migration of loans into more 1.3% 3.9% 5.0% Coverage r
Slide 9: Deliberate Deposit Mix Repositioning; Retail & Commercial Base Strengthening
Deliberate Deposit Mix Repositioning; Retail & Commercial Base Strengthening AR$ Deposits Breakdown AR$ Retail & Commercial Deposits growth [%] [%] In AR$ Bn. QoQ YoY Time Deposits (Individuals and Companies) Checking Accounts 650 -0.4% +19% Savings Accounts 600 +39% +19% Wholesale 51% 47% 550 Fundi
Slide 10: NIM Expanded to 19% as Funding Costs Normalized
NIM Expanded to 19% as Funding Costs Normalized and Market Income Improved Net Financial Income [AR$ Mill,] NIM breakdown +1.3% NIM [%] 24.9% 10.8% 18.8% +82.2% Var % 31.5 26.1 Loan Portfolio NFI 242,617 134,834 245,702 QoQ YoY 21.6 15.2 16.9 Investment Portfolio 11.4 +768.8% -12.7% 4Q24 3Q25 4Q25 1
Slide 11: Setting 2026 Expectations, Poised to Rebound as Normalization Continues
Setting 2026 Expectations, Poised to Rebound as Normalization Continues 4Q QoQ Var 2025 YoY 2026e • Temporary mix-shift towards corporate loans. Retail lending to 25 - 30% resume as economic activity, employment and disposable income Loans 8.4% 37% improve • Peso loans anticipated to outperform US$
Slide 12: Setting 2026 Expectations, Poised to Rebound as Normalization Continues
Setting 2026 Expectations, Poised to Rebound as Normalization Continues 4Q25 QoQ Var* FY 25 YoY Var 2026e Growth in real Net Fee 4.6% terms • Fueled by banking and brokerage fees Income 5% 1% 4Q25 QoQ Var 20 25 YoY Var 2026e Operating 6% • Structural Expenses stable in real terms, reflecting cost di
Slide 13: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina