Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q3 2019 Earnings Presentation
17 slides from Grupo Supervielle Sa Class B's earnings presentation, Nov 8, 2019
Slide 1: 3Q19 Earnings Conference Call
GRUPO a SUPERVIELLE > SUPERVIELLE Tarjeta Automatica s.a. > SUPERVIELLE SeGUROS AS nay 3Q19 Earning Cc ‘eae Call 7 tha Ap y i _ Ay Asser Aa NAGEMENT AY: Z Yj "4 iy" — ( invertirOnline.com VT) hp — he ep oo j .# Wd Lt 7 = 4 £ MR. mila
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: Third quarter 2019 results highlights
Third quarter 2019 results highlights aura, Pe Results impacted by Argentine short-term notes reprofiling; franchise structurally performing well in complex macro environment Net financial income down 20% QoQ while NIM decreased 470 bps to 17.4% impacted by AR$2.0 Bn loss on mark to market holdings
Slide 4: Bank's Repo and Mutual Funds' Repo
Non-Intervention zone Bank´s Repo: AR$72 Bn. Mutual Funds´s Repo: AR$146 Bn. 4
Slide 5: 6.6% 0.4% 2.1% -3.8% 2.7% -9.4% 15.6% -2.3%
6.6% 0.4% 2.1% -3.8% 2.7% -9.4% 15.6% -2.3% 5
Slide 6: 163,849 166,145 159,816 166,145 159,816 146,123 141,115 163,849 146,123 141,115 6
163,849 166,145 159,816 166,145 159,816 146,123 141,115 163,849 146,123 141,115 6
Slide 7: U$S loans
83,378 87,525 80,172 81,827 82,118 U$S 610 559 545 514 443 loans • • 7
Slide 8: 156,058 157,356 152,296 140,307 135,054
156,058 157,356 152,296 140,307 135,054 8
Slide 9: Supervielle deposits
Supervielle deposits AR$ retail and corporate deposits increased while short-term wholesale deposits decreased reflecting migration of local asset managers to operate directly with the Central Bank By erosits BREAKDOWN Eop Avg. Balance Time acount Deposits Special Checking Accounts Deposits Non inte
Slide 10: 17,316.5 11,624.8 6,560.3 5,477.7 5,278.5 5,258.1 4,386.2 • • • 10
17,316.5 11,624.8 6,560.3 5,477.7 5,278.5 5,258.1 4,386.2 • • • 10
Slide 11: Service fee income & income from insurance activities
Service fee income & income from insurance activities GRUPO a SUPERVIELLE Net service fee income up 9% QoQ after repricing on bundled services, non-credit related insurance and higher credit card transactions, while income from insurance rose 19% QoQ BBP \c7 SERVICE FEE INCOME? CARS Mill. , oe 9M18
Slide 12: Credit card, personal loans and retail NPL and delinquency
Credit Card Loans NPL Credit Card Loans Delinquency +90 Personal Loans NPL Personal Loans Delinquency +90 Retail Segment NPL Retail Segment Delinquency • • % • • 12
Slide 13: Asset quality consumer finance
GRUPO a SUPERVIELLE Asset quality consumer finance NPL creation down 57% QoQ and 66% YoY, reflecting earlier credit scoring tightening BBP CONSUMER FINANCE - NPL Creation crs million’ 605 538 479 7) an 328 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 138 13
Slide 14: Efficiency ratio
*Efficiency: Personnel, Administrative expenses and Depreciation & Amortization divided by the sum of Net interest income + Net income from financial instruments at fair value through profit or loss + Exchange rate differences on gold and foreign currency, net services fee income, income from insura
Slide 15: 3Q19 ROAE and ROAA excluding impact from Debt Reprofiling
3Q19 ROAE and ROAA excluding impact from Debt Reprofiling Adj ROAE & ROAA including inflation adjustment in income tax provision in each quarter 15
Slide 16: Capitalization
Capitalization Solid capitalization levels in a particularly challenging quarter with common Equity Tier 1 Ratio (Consolidated Proforma) of 11.8% in 3Q19 BBD AP ITAL DEPLOYMENT [Tier | ratio 961 GRUPO a SUPERVIELLE 0.2 0.8 @m (05) (03) O41 = — -—_— = —— 118 119 TIER Capital Capital RWA TIER Capital
Slide 17: Grupo Supervielle
GRUPO | a SUPERVIELLE