Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q2 2019 Earnings Presentation
18 slides from Grupo Supervielle Sa Class B's earnings presentation, Aug 13, 2019
Slide 1: 2Q19 Earnings Conference Call
GRUPO a SUPERVIELLE > SUPERVIELLE Tarjeta Automatica s.a. > SUPERVIELLE SeGUROS AS nay 2Q19 cana 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: Second quarter 2019 highlights
COMPANY PRESENTATION GRUPO a Second quarter 2019 highlights SUPERVIELLE Pre-Tax Profit more than doubled QoQ underscoring flexibility of the franchise in volatile environment. Maintain focus on strategic digital initiatives QV LQ OLA Net Financial Income up 20% QoQ while NIM rose 300 bps to 22.1% dr
Slide 4: Non-Intervention zone
Non-Intervention zone Since April 29, 2019 the Central Bank has changed its Fx intervention strategy 4
Slide 5: 10.0% 2.1% 0.4% -3.8% 2.7% 15.6% 28.4% -2.3%
10.0% 2.1% 0.4% -3.8% 2.7% 15.6% 28.4% -2.3% 5
Slide 6: 163,849 166,145 163,849 166,145 146,123 141,115 146,123 120,789 141,115 120,789 6
163,849 166,145 163,849 166,145 146,123 141,115 146,123 120,789 141,115 120,789 6
Slide 7: 83,378 81,827 82,118 75,830 80,172
83,378 81,827 82,118 75,830 80,172 7
Slide 8: 97,185 109,677 112,638 94,906 75,673
97,185 109,677 112,638 94,906 75,673 8
Slide 9: Funding & deposit base
Funding & deposit base sont | Reduced exposure to wholesale & institutional deposit sequentially given lower spreads at quarter end. Expanding share of retail & senior citizens deposits QoQ to 46% from 42% BBP Funoine cars mils 36.3% 215% 15.6% {156,058 0.8% | ; 156,05 157,356 (54761 [140,307] ~_G-2
Slide 10: 12,038.0 5,477.7 6,560.3 7,238.6 5,258.1 3,615.0 4,386.2 • • • • 10
12,038.0 5,477.7 6,560.3 7,238.6 5,258.1 3,615.0 4,386.2 • • • • 10
Slide 11: Service fee income & income from insurance activities
—_ cruro > Service fee income & income from insurance activities SUPERVIELLE Net service fee income stable QoQ as soft loan origination and higher commissions paid, partially offset repricing on bundled services and non-credit related insurance BBP \c7 SERVICE FEE INCOME? CARS Mill. BBP come FROM IN
Slide 12: Credit card, personal loans and retail segment NPL
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
Asset quality consumer finance Second consecutive quarter of lower NPL creation driven by earlier actions to tighten credit scoring standards BBP «30 DAYS DELINQUENCY, 3 MONTH VINTAGE Jul 17 Aug 17 Sep 17 Oct 17 Nov 17 Dec 17 Jan 18 Feb 18 Mar 18 Apr 18 May 18 Jun 18 Jul 18 Aug 18 Sep 18 Oct 18 Nov
Slide 14: Efficiency ratio definition
*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: Inflation adjustment in income tax provision
If inflation adjustment in income tax provision would have been considered as of March 31, 2019, the impact would have been Ps. 331 million and Ps. 333 million in 2Q19 and 1Q19, respectively, attributable net income would have been Ps. 1.6 Bn and Ps. 923 million in 2Q19 and 1Q19, respectively, and R
Slide 16: Capitalization
GRUPO a co. . SUPERVIELLE Capitalization Common Equity Tier 1 Ratio (Consolidated Proforma) of 11.9% in 2Q19, 10 bps above comparable Tier 1 Ratio of 11.8% in 1Q19 BBD AP ITAL DEPLOYMENT [Tier | ratio 961 0,2 0,9 0, (0,5) (0,8) (04) =- =a. —— 19 12) TIER1 Capital TIER1 Capital (Consolidated pro Capi
Slide 17: Supervielle 2019 guidance
GRUPO - SUPERVIELLE Supervielle 2019 guidance While 1H19 net income is tracking ahead of full-year outlook, guidance is placed under revision given heightened volatility and uncertainty It is more challenging to calibrate guidance around many of the key business drivers for the back half of the year
Slide 18: GRUPO | a
GRUPO | a SUPERVIELLE