Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q2 2026 Earnings Presentation
14 slides from Grupo Supervielle Sa Class B's earnings presentation, August 2026
Slide 1: Earnings Presentation 2Q26
Earnings Presentation 2Q26 August 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: 2Q26: Return to Profitability with 14.4% Structural ROAE and Improving Operating Trends
2Q26: Return to Profitability with 14.4% Structural ROAE and Improving Operating Trends Loan & Asset Efficiency Profitability Business Deposits Quality Program and Capital Performance • Loans +8.9% YoY, but -1.4% • Rightsizing largely • NPL ratio edged down to • Net income of AR$12.8 bn; QoQ, reflec
Slide 4: Macro Conditions Improve as Disinflation and FX Accumulation Progress
Macro Conditions Improve as Disinflation and FX Accumulation Progress 2Q26: Greater Stability Across Key Macro Policy Momentum Supporting 2026 Outlook Variables • Structural reforms improve macro predictability • Transitioning from Negative Net Reserves to Reserve Accumulation Through Systematic FX
Slide 5: Banco Supervielle: Advancing ROAE Recovery with a Focus on Profitable Loan Origination in 2H26
Banco Supervielle : Advancing ROAE Recovery with a Focus on Profitable Loan Origination in 2H26 Balance Sheet Discipline & Asset Quality Structural Efficiency Funding and NIM Optimization Improvement • Selective origination amid subdued peso • Delinquency and Cost of Risk, improved • Continued custo
Slide 6: Net Income Turns Positive; Adjusted ROAE Reaches 12.4% Excluding Extraordinary Severance Charges
Net Income Turns Positive; Adjusted ROAE Reaches 12.4% Excluding Extraordinary Severance Charges 2Q26 EARNINGS • Funding • Lower • Lagged fee • Seleccion Arg • LLPs • Lower • Higher costs quarterly repricing campaign declined for turnover taxable declined inflation and lower (World Cup) & a second t
Slide 7: Return to Profitability and Lower Cost Base Support Earnings Recovery
Return to Profitability and Lower Cost Base Support Earnings Recovery 2Q26 Reported -to-Structural Net Income Bridge (AR$ million) 2Q26 Reported Net Extraordinary Severance 2Q26 Underlying Net 3-month Salary Savings, 2Q26 Structural 1H26 Structural Income Charge, Net of Income Tax 1 Income (ex -seve
Slide 8: Commercial Lending Edges Higher, Supported by U.S. Dollar Loans, While Retail Lending Remains Subdued
Commercial Lending Edges Higher, Supported by U.S. Dollar Loans, While Retail Lending Remains Subdued Loan portfolio evolution Mar 24 - Loan portfolio Breakdown [In AR$ Bn] QoQ YoY to date [%] Commercial 2.800 loans +1.6% +33.7% +160% Retail loans 2.300 36% 1.800 -2.2% -16.6% +152% 1.300 Retail 64%
Slide 9: NPL Ratio Improved to 5.5% as the Industry Ratio Rises to 7.6%
NPL Ratio Improved to 5.5% as the Industry Ratio Rises to 7.6%; Further Asset Quality Improvement Remains a Priority NPL Formation NPL, Coverage and CoR [%] 63,6 52,6 52,6 50,0 35,8 34,4 27,6 28,0 9,3 12,9 129,7% 103,9% 98,9% 2Q25 3Q25 4Q25 1Q26 2Q26 Corporates Individuals 7,6% 7,0% 10,6% 5,5% 5,6%
Slide 10: ALM Initiatives to Lower Funding Costs Shifted the Mix from Corporate to Institutional Time Deposits
ALM Initiatives to Lower Funding Costs Shifted the Mix from Corporate to Institutional Time Deposits Deposits AR$ Breakdown Deposits Breakdown Deposits Breakdown [%] [%] AR$ Deposits (Bn,) US$ Deposits (MM) +2.5% +30% 25% 28% 28% +7.0% -0.5% Retail 4.032 4.131 3.862 1.246 1.241 953 57% Franchise 30%
Slide 11: Lower Market Rates Reduce Funding Cost Lifting 2Q26 NIM to 20.3%, Above Revised FY26 Guidance
Lower Market Rates Reduce Funding Cost Lifting 2Q26 NIM to 20.3%, Above Revised FY26 Guidance Net Financial Income [AR$ Bn.] NIM breakdown NIM [%] 20.8 % 17.7% 20.3 % +6.4% +7.8% Loan Portfolio +8 .3% 22,7 17,4 20,8 20,0 Investment 16,3 17,8 Portfolio 2Q25 1Q26 2Q26 525 566 277 272 295 AR$ Interest
Slide 12: Updating 2026 Expectations to Reflect 1H26 Performance and Normalizing Operating Conditions
Updating 2026 Expectations to Reflect 1H26 Performance and Normalizing Operating Conditions 2Q QoQ Var YoY 2026e • Tight monetary policy and uneven recovery across sectors • Temporary mix-shift towards corporate loans, with retail lending Loans 9% growth expected to resume as economic activity, empl
Slide 13: Updating 2026 Expectations to Reflect 1H26 Performance and Normalizing Operating Conditions
Updating 2026 Expectations to Reflect 1H26 Performance and Normalizing Operating Conditions 2Q26 QoQ Var 1H26 YoY Var 2026e • Softer activity weighing on Banking fees; softer Asset Net Fee management fees, mainly from money market funds, while -2% Between -5% Income and -8% brokerage fees compare ag
Slide 14: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina