Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Bradesco BBI 11th Brazil Investment Forum 2025
47 slides from Grupo Supervielle Sa Class B's conference presentation, Apr 8, 2025
Slide 1: April 2025
April 2025 IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
Slide 2: IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina 2
Slide 3: Contents
Contents IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina 3
Slide 4: IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina 4
Slide 5: Financial services
Financial services • • Household name and the oldest private franchise in the country. • The eighth largest Argentine private bank in terms of loans • • Grupo Supervielle listed in NYSE and BYMA since 2016 • Placing the customer at the center of all we do • Implemented a deep cultural and digital tr
Slide 6: Looking ahead: A Healthy Banking Industry Poised For a New Growth Era
Looking ahead: A Healthy Banking Industry Poised For a New BHC, Pre Growth Era Low Indebtedness: Small & Macro & Political Transactional Companies & . . . Individuals Environment Financial System * Inflation decelerating faster than expected 2024: 117.8%; 2025¢ 27% + Reserves improving + Gov't reach
Slide 7: APIs, Bank integration, Investments
• APIs Bank • integration • • Investments • as a Service •
Slide 8: Holding S.A. / Agente de Valores
Holding S.A. Agente de Valores
Slide 9: 4Q24 Results
GRUPO a SUPERVIELLE 4Q24 Results SUPV Earnings conference call presentation March 11, 2025
Slide 10: 4Q24 Highlights: Foundation Set for Sustainable, Profitable Growth
4Q24 Highlights: Foundation Set for Sustainable, Profitable gure, Pee Growth ina Transition Year for Argentine Banks Aw, Loan Market SI Deposit W Solid Asset Quality EF Share Gains & Mix — Growth ©) & Capital Ratios *Loan book +28% QoQ; +106% ~—_* Total deposit base +7% QoQ *NPL ratio remains low at
Slide 11: Looking Ahead: 2025 & Beyond
Looking Ahead: 2025 & Beyond gure. Pata Strategic =e Capital Allocation Strategy Driving oUoO Growth Priorities <= Balance Sheet Growth * Building competitive value propositions * Pent-up demand supports strategic initiatives * Strong focus on funding and payroll plans to drive strong loan growth to
Slide 12: Banco Supervielle 4Q24: Strategic Roadmap and Milestones
Banco Supervielle 4Q24: Strategic Roadmap and Milestones aura, De © Initiatives Achievements sae Q4-2024 4Q24 (QoQ) 1, +3.6% customers 66 mm 222 = +27% loan portfolio growth, +45 pp GD above YoY industry growth Revitalized Streamlined — Comprehensive * Record personal loan origination of Strategic C
Slide 13: Strategic Focus: Profitable Growth via Targeted Segments and Products
GRUPO a Strategic Focus: Profitable Growth via Targeted Segments and SUPERVIELLE Products Prioritization of Segments/Products: Prioritizing Targeted Industry - Client Clusters ste Customer-Centric 7Oe & Tech Enabled @. Sere Pac Industry). .g. Oil & Gas, Mining CY. Fast, Disruptive ek j ; XS Strategi
Slide 14: Building Momentum: IOL's 2024 Digital Brokerage Milestones
GRUPO a Building Momentum: IOL's 2024 Digital Brokerage Milestones SUPERVIELLE Total Accounts [#] Average MAUs [#] 57%. 0, With 331K record Dec 24 out by 1.4M 228) © Beak. “ad high July 2024] Reviews and App Rating »_ 9 Inversiones DARTs [+160K] | 4.6 [Play store] Total Customers & 100,9K are review
Slide 15: IOL's 2025 Outlook
IOL's 2025 Outlook: Stable Macro Fueling Capital Markets Driving aur Higher Volumes and Broader Participation oy . nO Retail Segment Ces SMBs & WM Segment * Growth in SMBs: 24-hour account opening + 24/7 liquidity solutions * One-stop shop for investments * Access to international investments & cryp
Slide 16: 2025 Perspectives: Accelerating Growth While Strengthening the Foundation
! 2025 Perspectives: Accelerating Growth While Strengthening cruro the Foundation for Long-Term Value Creation 28% 106% + Loans expected to grow above 60% in real terms +Retail loans regaining share of total loans a D it «LDR to continue improving leposits ma ee P P T% + Additional share gains in US
Slide 17: 2025 Perspectives: Accelerating Growth While Strengthening the Foundation
! 2025 Perspectives: Accelerating Growth While Strengthening the — cruro > . ° SUPERVIELLE Foundation for Long-Term Value Creation * Bank net fees expected to grow, driven by higher fee income 2,0% and lower fee expenses | a + Brokerage fees to increase leveraging retail customers and new business l
Slide 18: Annex I: 4Q24 Supplementary Financial Information & Ratios
GRUPO a SUPERVIELLE Annex I: 4Q24 Supplementary Financial Information & Ratios
Slide 19: • • • • • • +5.7% -30.1% -1.7% +14.7% +1.3% +39.5%
• • • • • • +5.7% -30.1% -1.7% +14.7% +1.3% +39.5% 19
Slide 20: • • • • • • -3.7% +26.8% -1.9% -18.2% -13.8% +0.0%
• • • • • • -3.7% +26.8% -1.9% -18.2% -13.8% +0.0% 20
Slide 21: Retail loans +38% QoQ, Commercial loans +18% QoQ
• Retail loans +38% QoQ o Personal loans +51% QoQ • Commercial loans +18% QoQ 21
Slide 22: Retail and Commercial Portfolio
Retail Portfolio Commercial 48% of total Portfolio 52% of total 22
Slide 23: NPL Ratio of 1.3%; Coverage Ratio of 169%
NPL Ratio of 1.3% Slightly Above 3Q24 but Still at Low Levels; Coverage Ratio of 169% (ot f=] NPt Breakdown NPL Breakdown (ai (ot f=] NPt Breakdown 9¢ NPL & Coverage NPL| Ratio [%] 2023 Sept aslgho Corporate ° ° ar | aE 09% 0.2% 03% 262,4% ° 18% 18% 2.7% ee 2% ° a 3.3% «5.6% © 9.4% 2% 13% slim in gr
Slide 24: Atomized and Diversified Loan Portfolio
Atomized and Diversified Loan Portfolio within Company Portfolio Limits Loans breakdown by industry [%] AR$ Nominal 4Q24 3Q24 Change QoQ Business Sector Share Share 347,063 Families and individuals a 42.3% 38.9% 65,200 Agribusiness a 91% 8.9% 20,059 Food & Beverages v 5.9% 71% 67,466 Oil, Gas & Mini
Slide 25: Market share gains in US$ Deposits
74% 73% • 80 bps YTD Market share gains in US$ Deposits 26% 27% 25
Slide 26: Total AR$ Deposits +9% QoQ
Total AR$ Deposits +9% QoQ Reflecting Increased Transactional Volumes Among » | Corporate Customers and Retail Time Deposits, and Seasonality in Savings SUPERVIELLE Accounts AR$ Deposits Breakdown PAs Deposit Breakdown N +8.9% 2,322 2,850 2,132 Wholesale Funding Time Deposits Individuals and Compani
Slide 27: NIM at 25%, Adjusting to New Macro Landscape
NIM at 25%, Adjusting to New Macro Lanscape; NFI +6% On 19% Growth in Client Interest Income and 7% Lower Funding Costs Net Financial Income ARg¢ Interest Spread [%.] [AR$ Mill.] +5.7% NFI 419,409 173,912 183,909 Financial lncome —_™ Financial Expenses 432.969 335.145 333.634 2024 3Q24 4024 \ NIM [%
Slide 28: Net Revenues and Expenses
Net Revenues 1 Expenses 2 4Q24 4Q24 Q oQ -1.5% Q oQ +1.3% YoY* -48.5% YoY -24.2% 28
Slide 29: Non-bank Fees Rise to 36% of Total
Non-bank Fees Rise to 36% of Total vs 33% in 4Q23; Insurance grupo) +24% QoQ SUPERVIELLE Net Service Fee Income ex insurance [AR$ Mill.] ee . 2,6% Non financial sevico +10.3% -5.49 Asset Management 5.4% Other bank fees s79759 MEE 1OL Q23 3Q24 Q24 Income From Insurance Activities [AR$ Mill.] Credit C
Slide 30: Loan loss provisions
• YoY performance reflects expectations of a more favorable macroeconomic outlook included in the ECL model partially offset by higher provision on loan portfolio growth in 4Q24 • QoQ performance reflects loan portfolio growth compensated by the year end parameter tuning in our expected credit loss
Slide 31: 4Q24 ROE of 13.8%, Full-year ROE 15.7%
4Q24 ROE of 13.8%, Bringing full-year ROE to 15.7%, in Line with Our crupo J Expectations SUPERVIELLE Biter Profit Before Income Tax 48.887 66.737 20.688 9.589 28.167 a 4Q23 1Q24 2Q24 3Q24 4Q24 4Q23 1024 2024 3024 4024 "== Result from net monetary position —— Attributable Net Income ROAE ROAA [%] [%
Slide 32: 2024 Performance - Capitalization with CET1 Ratio at 16.1%
2024 Performance - Capitalization with CET 1 Ratio at 16.1% supports loan expansion 7 RWA growth Higher deductions AR$19.6 billion ER csi nah above inflation on deferred tax dividend paid & KEY MESSAGE capitalization ‘R380 billion buyback share +0,2% -1 207, Dec 23 Bank, Net Result RWA Deductions Di
Slide 33: 4Q24 Performance - Capitalization with CET1 Ratio at 16.1%
| 4Q24 Performance - Capitalization with CET 1 Ratio at 16.1% grupo De supports loan expansion * Profit » RWA growth » Higher ila above inflation deductions on capitalization in the quarter deferred tax +0,6% -2,5% _ _——— —— aE 1.2% Sep 24 Bank, Net Result RWA Deductions Dec 24
Slide 34: Income Statement & Balance Sheet
Income Statement & Balance Sheet SUPERVIELLE In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period 4Q24 3Q24 2Q24 1Q24 4Q23 QoQ YoY FY24__FY23 YoY Net Interest Income 143,041 148,805 202,492 306,885 300,177 -3.9% -52.3% 801,223 829,298 -3.4% NIFFI & Exch
Slide 35: Key Indicators
Key Indicators GRUPO a SUPERVIELLE 4Q24 3Q24 2Q24 1Q24 4Q23 FY24 FY23 ROAE 13.8% 49% 10.4% 33.8% 26.9% 15.7% 16.7% Profitability ROAA 2.6% 1.0% 2.3% 74% 5.3% 3.1% 2.5% & efficiency Net Interest Margin (NIM) 24.8% 24.8% 36.3% 61.9% 62.2% 35.5% 31.4% Net Fee Income Ratio 21.3% 22.5% 14.0% 8.1% 9.9% 14
Slide 36: Key Indicators
Key Indicators 4Q24 3Q24 2Q24 1Q24 4Q23 Retail Price Index (%) - QoQ 8.0% 12.1% 18.6% 51.6% 53.3% Retail Price Index (%) - YoY 117.8% 209.0% 271.5% 287.9% 2.4% M UVA (var) 10.2% 13.2% 32.6% 69.6% 37.2% gcro Pesos/US$ Exchange Rate 1,032.50 970.92 911.75 857.42 808.48 Badlar Interest Rate (eop) 31.9%
Slide 37: Annex II: Industry Outlook and Supplementary Information
GRUPO a SUPERVIELLE Annex II: Industry Outlook and Supplementary Information
Slide 38: Exchange rate and inflation
Official Fx rate • 5 • Dec 8, 2023 Mar 12-2025 In 2023 expected Doubling 1 3 inflation in • 2022 levels 2025* Blue chip swap rate 171% 15% inflation in gap gap 2024 2 4 • • 2023 2024 • • • • • Dec-2018 2024 • • • Dec-2018 2024 • • • 38 •
Slide 39: Government Committed to Curbing Inflation
Looking Ahead: Government Committed to Curbing Inflation, euro Pe Sustaining Fiscal Surplus and Progressing with Structural Reforms Approval Ley de Bases and ongoing R ACHIEVEMENTS Successful t@X deregulation improved TO-DATE y +US$20billion “RECS! but remain deposits negative Sustained public suppo
Slide 40: Financial Sector Loans Accelerating Since 2Q24
Financial Sector Loans Accelerating Since 2Q24 grupo De (G2a\ Loans to Private Sector [AR$ Bill. in Nominal terms] +235.8% IE} INFLATION 4Q24 8.0% +31.2% (32.7%) (441.3%) (436.596) ( ) YoY 117.8% 16.704 22.690 30.099 42.522 58.055 ——_— AR$ Loans [in AR$ Bn. in Original Currency] +227.9% +217.8% oaie
Slide 41: Inflation
INFLATION 4Q24 YoY Jan 25 YoY 41
Slide 42: Market share ranking of banks
Banco Nación 47.995.110 22,9% Banco Nación 15.042.960 20,3% Banco Nación 31.046.333 22,7% Banco Galicia 21.692.306 10,4% Banco Galicia 8.832.469 11,9% Banco Galicia 14.268.420 10,4% Santander 18.409.166 8,8% Santander 7.557.508 10,2% Santander 13.228.110 9,7% Banco Provincia 14.770.115 7,0% BBVA 7.1
Slide 43: Active interest rates and regulatory limits
Badlar Badlar: 28.44% (as of Mar 10, 2025) Active interest rates TAMAR (30 days Time Deposits over AR$1 billion) Tamar: 29.88% (as of Mar10, 2025) Maximum Percentage allowed to be charged on 0.6% Debit Cards Interchange fees credit and debit cards 1.3% Credit Cards 125% over the previous month's ave
Slide 44: Minimum reserve requirements
Provision for loan losses IFRS9 Some exceptions in government-issued debt securities AR$ Time Deposits 80% Lecaps/Boncaps and 20% in Treasury notes 45% (40% in cash, 5% in treasury notes. Deductions on SMEs AR$ Checking and Saving Accounts financings, effective rate: 10%-15% ) AR$ Mutual Funds remun
Slide 45: Annex III: ESG Commitment
GRUPO a SUPERVIELLE Annex III: ESG Commitment
Slide 46: ESG Strategy & Sustainable Growth
ESG Strategy & Sustainable Growt GRUPO a nN SUPERVIELLE OUR COMMITMENTS OUR FOCUS AREAS @ Sustainable growth—protection of the environment and pursuance of our business strategy in a socially responsible manner @ Good governance practices, diversity and inclusion are key factors B® Integration of ES
Slide 47: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
Grupo Supervielle — Bradesco BBI 11th Brazil Investment Forum 2025 on 6ix