Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q1 2019 Earnings Presentation
19 slides from Grupo Supervielle Sa Class B's earnings presentation, May 10, 2019
Slide 1: Grupo Supervielle
GRUPO a SUPERVIELLE > SUPERVIELLE Tarjeta Automatica s.a. > SUPERVIELLE SeGUROS mes onference Caf’ & ] MANAGEMENT I J 7 ]y y AT wea invertirOnline.com Lik fa / TF y LM Af, f ° Nd of —= 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: First quarter 2019 highlights
COMPANY PRESENTATION First quarter 2019 highlights aura, Pe | 1Q19 results track in line with annual guidance in challenging macro environment; further strengthening the Company's position for long-term success Net Financial Income up 51.2% YoY and 4.2% QoQ reflecting higher asset & deposit volumes.
Slide 4: Non-Intervention zone since April 29, 2019
Non-Intervention zone Since April 29, 2019 the Central Bank has changed its Fx intervention strategy 4
Slide 5: 10.0% 2.1% 14.1% (3.8)% 15.6% 28.4% (2.3)% 36.2%
10.0% 2.1% 14.1% (3.8)% 15.6% 28.4% (2.3)% 36.2% 5
Slide 6: 163,849 163,849 146,123 141,115 146,123 141,115 120,789 120,789 96,570 96,570 6
163,849 163,849 146,123 141,115 146,123 141,115 120,789 120,789 96,570 96,570 6
Slide 7: 83,378 81,827 80,172 75,830 66,480
83,378 81,827 80,172 75,830 66,480 7
Slide 8: Supervielle loan performance
COMPANY PRESENTATION GRUPO - ] Supervielle loan performance SUPERVIELLE Soft market demand across all segments, combined with AR$ appreciation on US$-denominated loans and risk management focus weighs on loan book | | TOTAL LOAN PORTFOLIO BREAKDOWN BY SEGMENT Loans & Leasing Portfolio [AR$ Mill.]” C
Slide 9: 97,185 94,906 109,677 75,673 55,540
97,185 94,906 109,677 75,673 55,540 9
Slide 10: Funding & deposit base
Funding & deposit base sont | Actively managing wholesale & institutional deposit base to maximize spread in current environment BBP Funoine cars mils 15.6% 24.0% 215% (3.7% [115,476 | mar 18 jun 18 sep 18 Dec 18 Mar 19 = Deposits ™ Other Fis & Subordinated Negotiable Obligations!) ™ Shareholders eq
Slide 11: Net Financial Income & NIM
GRUPO a SUPERVIELLE Net Financial Income & NIM Net Financial Income up 4% QoQ from higher avg. asset & deposit volumes. Loans to assets ratio down 690 bps QoQ to 50% drives NIM contraction, despite AR$ Loan NIM increasing 70 bps | AS Financial Income [AR$ Mill. | NIM (%] TOTAL 19.8 17.3 18.2 20.3 19
Slide 12: Service fee income & income from insurance activities
COMPANY PRESENTATION 1) Excludesincome from insuranceactivities * Net services fee income + Income from insurance activities 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
Slide 13: Credit card and personal loans 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 • • 13
Slide 14: Asset quality consumer finance
Asset quality consumer finance GRUPO a SUPERVIELLE Reflecting earlier actions to tighten credit scoring standards, NPL creation and 3-month vintage remain below peak levels of 1H18 despite the overall weaker environment. BBP «30 DAYS DELINQUENCY, 3 MONTH VINTAGE Mar 17 Apr17 May 17 Jun 17 Jul 17 Aug
Slide 15: Efficiency
*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 16: • 874,5 935.3 615.4 744.8 • 475.3
• 874,5 935.3 615.4 744.8 • 475.3 16
Slide 17: Capitalization
Capitalization GRUPO a SUPERVIELLE 80-bps sequential decrease in 1Q19 capital ratios following deferred tax, AR$ depreciation in the quarter and IFRS 16 implementation BBD PITAL DEPLOYMENT [Tier | ratio %1 1° 08 04 oH we Wh -0,4 a = me ~ . 12,1 TIER1 Capital Capital RWA Deferred Fx Impact on Other T
Slide 18: Supervielle 2019 guidance
Supervielle 2019 guidance gare re Maintain annual guidance in more challenging economic backdrop FY 2019 EXPECTATIONS Guidance Total Loan Growth* 21-31% BD changes in Macro Assumptions Guid. Vie Cost of Risk 5.0 -5.8% GDP 3 Inflation 3 Badlar Rate (eop) 4 Monetary policy Rate (eop) 3 FX Ar$ (eop) 3
Slide 19: GRUPO | a
GRUPO | a SUPERVIELLE