Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q2 2025 Earnings Presentation
46 slides from Grupo Supervielle Sa Class B's earnings presentation, Aug 13, 2025
Slide 1: August 2025
August 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: Looking Ahead: Strengthening Macroeconomic Anchors Support the Recovery Path
GRUPO a Looking Ahead: Strengthening Macroeconomic Anchors Support SUPERVIELLE the Recovery Path rengthened Reserves supported b' IMF agreement, multilateral banks, bonds and market purchases Approval Ley de Successful tax Bases and ongoing amnesty —_ deregulation +US$20 billion across economy depos
Slide 6: The Argentine banking business has the potential for multiple years of growth
| The Argentine banking business has the potential for multiple years of growth rupo | De Under-developed Banking System Loans / GDP. Credit penetration across the region jource Morgan Stanley based on public information and company estimates bse] fs) ta) tz] ia ie Source Morgan Stanley based on pub
Slide 7: Source: BCRA Source: BCRA 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Source: BCRA Source: BCRA 94,8% 84,7% 54,2% 14,3% 13,7% 13,7% 16,2% 19,5% 12,6% 12,7% 11,7% -3,8% 11,3% 11,5% 10,5% -4,6% -7,8% -6,1% 9,7% -14,1% -18,6% 8,5% -20,8% 8,0% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q252Q25* 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q252Q25 7
Slide 8: IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina 8
Slide 9: Financial services
Financial services • • Household name and the oldest private franchise in the country. • The seventh 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 t
Slide 10: APIs, Bank integration, Investments
• APIs Bank • integration • • Investments • • as a Service • 10
Slide 11: Holding S.A. Agente
Holding S.A. Agente de Valores 11
Slide 12: Looking Ahead: 2025 & Beyond
Looking Ahead: 2025 & Beyond gure, Pee Pata Strategic =e Capital Allocation Strategy Driving oUoO Growth Priorities <= Balance Sheet Growth * Building competitive value propositions * Pent-up demand supports strategic initiatives to drive strong loan growth * Room to drive further leverage * Strong
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 whe Customer-Centric ~Q° s Tech Enabled @. Serta. .g. Oil & Gas, Mining CY. Fast, Disruptive ek j ; “Strategic Moves (G Mend
Slide 14: IOL's 2025 Outlook: Stable Macro Fueling Capital Markets
| IOL's 2025 Outlook: Stable Macro Fueling Capital Markets Driving grupo Dr 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
Slide 15: 2Q25 Results
GRUPO a SUPERVIELLE 2Q25 Results SUPV Earnings conference call presentation August 13, 2025 15
Slide 16: 2Q25 Highlights: Executing Amid a Transitional Macro Backdrop
| 2Q25 Highlights: Executing Amid a Transitional Macro Backdrop aura, De 2025 Environm GRUPO hess SUPERVIELLE sj 2Q25 Macro Environment * Successful lifting of FX restrictions for individuals * Inflation continued to decelerate Asset Quality & Capital Outperforming Loan ° - + Environment impacted by
Slide 17: Continued Shift to Private-sector Loans from Treasury Notes
Continued Shift to Private-sector Loans from Treasury Notes, with LDR and Leverage Well-below Historical Levels Shift from Investment to Loan portfolio ( Ou GS [% of Assets] —— IRS Investment portfolio loane ee -28p.p. +25p.p. 50% 9 48% 45% iy 45% 36% 29% : I i U al i "(sme Deposits |_____ Leverage
Slide 18: Scaling Innovation: Early results across our four strategic initiatives
Scaling Innovation: Early results across our four strategic initiatives aura, De 1Q25 strategic initiatives results 20:05 First bank to have an of Integrated Gen Investment transactions online store hosted on Al-powered interactions via | powered by lOL through a= TIENDA the Bank's app. viewte [OV (
Slide 19: • • • • • • • +10.3% +14.8% -33.7% -12.7% +4.2% +31.5% -40.2%
• • • • • • • +10.3% +14.8% -33.7% -12.7% +4.2% +31.5% -40.2% 19
Slide 20: Retail loans and Commercial loans growth
Retail loans Commercial loans +2% QoQ +23% QoQ +130% YoY +37% YoY 20
Slide 21: NPL Ratio at 2.7%, Consistent with Industry & Historical Levels
NPL Ratio at 2.7%, Consistent with Industry & Historical Levels, Reflecting Credit Normalization after Strong Growth in Retail Loans in Previous Quarters 8 NPL & Coverage NPL{ “ Ratio [%] Dot 302,9% mm Loan Loss fo) Provisions, Net | i AR$ million] a OCost of risk [%] 152,79 52% 129,7% 0 mNPL 2024 1
Slide 22: Total Funding +30% YoY, Driven by Deposits
Total Funding +30% YoY, Driven by Deposits and Growing Contribution GRUPO a l from Corporate Notes which Reached 6% of total funding SUPERVIELLE Funding [AR$ Bn.] +29.6% +6.1% 4,409 5,386 5714 Total Deposits Attributable Shareholders’ Equity Medium Term Notes Other 2Q24 1Q25 * Since August 1, the Ce
Slide 23: NIM Expanded QoQ Driven by Spread increases
NIM Expanded 160 bps QoQ to 21% Driven by Spread increases both in Client and Market Related Portfolios Net Financial Income NIM breakdown [AR$ Mill.] 160,2 -26.8% +11.5% NFI 283,346 185,970 207,379 170.758 = 51.779 112.588 134.192 147.959 Client Net Financial Income m Market related NFI 32.4 16.5 C
Slide 24: Revised 2025 Perspectives in an Election Year
Revised 2025 Perspectives in an Election Year; Transition Period Now cruro > Anticipated to Extend into 2026 wee *Loans expected to grow between 40-50% in real terms Loans oe - contingent on monetary policy & regulation B5,0% ‘i P ° y * Balanced mix between retail and corporate loans L ==e «LDR to c
Slide 25: Revised 2025 Perspectives in an Election Year (cont.)
Revised 2025 Perspectives in an Election Year; Transition Period Now = cruro > Anticipated to Extend into 2026 sbrenvienté + Bank net fees expected to grow on higher income and lower expenses * Asset Management fees anticipated to follow growth in AUMs * Insurance performance improving on higher cus
Slide 26: Annex I: 2Q25 Supplementary Financial Information & Ratios
GRUPO a SUPERVIELLE Annex I: 2Q25 Supplementary Financial Information & Ratios
Slide 27: Commercial and retail loan growth
• Commercial loans +23% QoQ & 37% YoY • Retail loans +2% QoQ & 130% YoY 27
Slide 28: Disciplined Loan Origination
| Disciplined Loan Origination gue, > Loans to payroll and pension clients/ total loans to tndhviidwells Collateralized commercial loan portfolio € Personal loans granted to payroll and Collateralized non-performin 88%) > : p ig 0 (0%) pension customers commercial loan portfolio < (66% 58% ) > Credi
Slide 29: Atomized and Diversified Loan Portfolio
Atomized and Diversified Loan Portfolio within Company Portfolio — grupo ee Limits SUPERVIELLE 2Q25 1925 2Q24 Business Sector Share Share Share Families and individuals 43.8% 479% 30.6% Agribusiness 8.0% 77% 9.8% Food & Beverages 5.6% 5.7% 71% Utilities 3.4% 3.6% 74% Transport 3.3% 3.0% 18% IT & Com
Slide 30: Market share gains in US$ Deposits
76% 73% 84% • 110 bps YoY Market share gains in US$ Deposits 24% 27% 16% 30
Slide 31: Net Revenues and Expenses
Net Revenues 1 Expenses 2 2Q25 2Q25 Q oQ +1.9% Q oQ +4.2% YoY -21.7% YoY -5.8% 1H25 1H25 YoY -40.9% YoY -11.4% 31 31
Slide 32: Net Fee Income Up 17% in 1H25
! Net Fee Income Up 17% in 1H25, Despite Lower Brokerage and crupo J Lagging Repricing in 2Q25; Insurance +33% YoY in 1H25 SUPERVIEILE Net Service Fee Income ex insurance [AR$ Mill.] 2,0% 0,0% 0,3% Non-financial services - 5 +5,7% +17.2% -12.5% Asset Management Other bank fees a7 028 77.085 39.867 4
Slide 33: 2Q25 Net Income Up 62% QoQ
2Q25 Net Income Up 62% QoQ to AR$13.9 billion with ROAE at 6%; NFI Growth & Cost GRUPO » Savings, Partially Offset Higher LLPs and Lower Fees SUPERVIELLE Profit Before Income Tax [AR$ Mill.] 23.804 100.621 moa 32439 gays 13.604 -82.186 56.551 “40.172 -44:389 = _-29.426 43.065 13.316 26.051 10.797. 1
Slide 34: Capitalization with CET1 Ratio at 13.9%
GRUPO a | 2025 Performance - Capitalization with CET 1 Ratio at 13.9% See e VIELE supports loan expansion 16.7% * RWA growth above * Higher ° Profit inflation deductions on capitalization ECL and deferred tax If adopting Basel III for -0.4 1.2 operational risk capital +0.2 (like systemic banks) Bank
Slide 35: 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 2Q25 1925 4Q24 3Q24 2Q24 QoQ YoY Net Interest Income 191.273 157.291 165.237 171.198 232.939 21,6% -17,9% NIFFI & Exchange Rate Differences 16.106 28.679 4
Slide 36: Key Indicators
Key Indicators 2Q25 1Q25 4Q24 3Q24 2Q24 1H25 1H24 ROAE 5,8% 35% 13,9% 4.8% 10,4% 47% 221% ROAA 1,0% 0,6% 2,6% 1,0% 2,3% 0,8% 48% Beetability Netinterest Margin = 59.3% 19,2% -24,9% 24.7% 363% «19.9% + -48,6% & efficiency (NIM) Net Fee Income Ratio 19,4% 23,5% 21,2% 22,5% 14,0% 214% 10,3% Cost / Asse
Slide 37: Key Indicators
Key Indicators Retail Price Index (%)- QoQ Retail Price Index (%)- YoY UVA (var) Pesos/US$ Exchange Rate Badlar Interest Rate (eop) Macro data Badlar Interest Rate (avg) Monetary Policy Rate (eop) Monetary Policy Rate (avg) 2Q25 1Q25 4Q24 3Q24 2Q24 6,0% 8,5% 8,0% 121% 18,6% 39,4% 55,9% 117.8% 209,0%
Slide 38: Annex II: Industry Outlook and Supplementary Information
GRUPO a SUPERVIELLE Annex II: Industry Outlook and Supplementary Information
Slide 39: Financial Sector Loans Accelerating Since 2Q24
Financial Sector Loans Accelerating Since 2Q24 grupo De Loans to Private Sector [AR$ Bill. in real terms] | (+81.9% | a vee _ _ _ _ LL ™ L 2024 3Q24 4Q24 1025 225 AR$ Loans Lin AR$ Bn. in Original Currency] | [+89.7% | 1 I (+152.0%] ; 2024 3Q24 4Q24 1925 2025 2024 3Q24 4Q24 1925, 2025 Source: BCRA —
Slide 40: Financial Sector AR$ Deposits Expanding Below Loan Growth
| Financial Sector AR$ Deposits Expanding Below Loan Growth; US$ Deposits Grupo J Rebounding SUPERVIELLE Private Sector Deposits [AR$ Bill. in Real terms] | [+29.7% | | = “™ a “™ a ™ a ™ - 2Q24 3Q24 4Q24 1Q25 2Q25 AR$ Deposits [in AR$ Bn. in Original Currency] (+20.4% } | (+70.2% } | (40.5%) (+5.3%)
Slide 41: Banking system ranking by loans and deposits
Banco Nación 49.452.092 22,1% Banco Nación 17.896.824 20,2% Banco Nación 31.539.252 21,9% Banco Galicia 23.841.507 10,6% Banco Galicia 10.535.334 11,9% Banco Galicia 14.986.235 10,4% Santander 20.482.896 9,1% Santander 9.054.570 10,2% Santander 14.517.065 10,1% BBVA 15.933.851 7,1% BBVA 8.498.642 9,
Slide 42: Active interest rates
Badlar Badlar: 44.38% (as of August 13, 2025) Active interest rates TAMAR (30 days Time Deposits over AR$1 billion) Tamar: 49.94% (as of August 13, 2025) Maximum Percentage allowed to be charged on 0.6% Debit Cards Interchange fees credit and debit cards 1.3% Credit Cards 125% over the previous mont
Slide 43: Provision for loan losses and Minimum Reserve requirements
Provision for loan losses IFRS9 Some exceptions in government-issued debt securities AR$ Time Deposits 25% (20% in Lecaps and 5% in Treasury Notes) AR$ Checking and Saving Accounts (excluding Mutual Funds) 50% (42% in cash, 8% in eligible Treasury notes) AR$ Mutual Funds remunerated Accounts 45% (40
Slide 44: Annex III: ESG Commitment
GRUPO a SUPERVIELLE Annex III: ESG Commitment
Slide 45: ESG Strategy & Sustainable Growth
ESG Strategy & Sustainable Growth GRUPO a 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 ESG
Slide 46: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina