Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — UBS Global Emerging Markets One-on-One Virtual Conference 2020
36 slides from Grupo Supervielle Sa Class B's conference presentation, Dec 1, 2020
Slide 1: Presentation
Lal SUPERVIELLE
Slide 2: Disclaimer
GRUPO a SUPERVIELLE Lb
Slide 3: Contents
GRUPO YP SUPERVIELLE =e t= SUPV Presentation S y 3Q20 Performance = Support Material
Slide 4: Contents: SUPV Presentation
GRUPO YP SUPERVIELLE =n. Ee SUPV Presentation
Slide 5: Financial services
Financial services • • • • • • • • 4
Slide 6: Customer centric financial services platform with high growth potential
GRUPO a SUPERVIELLE We area CUSTOMER CENTRIC Fixaucial services platform with high growth potential once the economy rebounds Track Record for GROWTH in Argentina * Loan Market Share increased 25x to 5% since 2002 7 Presence in Argentina's major regions and most [%] o Oo Populated cities with 302 ac
Slide 7: Our digital transformation journey
OUR DIGITAL TRANSFORMATION JOURNEY FOCUS on profitability & growth, our business model and transforming SUPERVIELLE for success in a digital world + Customer Experience / Transform the Core Customer Experience * Efficiency + Data Driven Develop invertirOnline.com Attackers Build an Ecosystem ame of
Slide 8: Grupo Supervielle ecosystem
GRUPO SUPERVIELLE ECOSYSTEM Grupo D> SUPERVIELLE PAYMENTS FINANCIAL SERVICES INSURANCE AN u yoy PavmeME sande v00| Private at 7 Loans | 5% Market 123SEGURO 560K facilitator Bank £©4 | 8th Deposits | 4% share - GWP INCREASE —avencorgo® SUFERVIELLE @ 07, Blended _ Servicios Qo 1.7MM Bank sureevio7z re
Slide 9: Contents: 3Q20 Performance
GRUPO YP SUPERVIELLE =n. fe) (e) 3Q20 Performance
Slide 10: 3Q20 highlights
GRUPO a SUPERVIELLE Double digit ROAE, while increasing coverage and strengthening capital base Higher Badlar rate reduced spreads 7 ‘alae eco ccrict $s55535 and negatively impacted NIM | lespite Covid-19 restrictions, <7 A . 01 eceectenERy BECO! Ou QA | -Regulatory controls drive lower Fees o~U *St
Slide 11: Sustained progress on digital adoption
USTAINED PROGRESS ON DIGITAL ADOPTION GRUPO a SUPERVIELLE BANKING BUSINES \ Monetary Transactions - Participation [%] ECHEQ issuance” E-Factoring” Time Deposits” | ey : *Exponential growth + Increased *76% of total EQ cashier reaching Ar$ 7 B volume through digital ome Banking in ECHEQs issued chann
Slide 12: Evolving our branch network
our branch network Amel SMEs Expand services to SMEs in Expanding areas dedicated to selected branches self service with some branches 100% automatic QO % @ : nor im = Shorter transaction Migration to Better use of times and digital channels available space enhanced CX Leveraging accelerated adoptio
Slide 13: Grupo Supervielle strategic initiatives: IUDU
GRUPO SUPERVIELLE STRATEGIC INITIATIVES [CONT.] cruro > SUPERVIELLE Launched IUDU, a new services platform transforming our consumer finance business Gy IUDU's Goals ) =O" * The most complete range of digital + Personal Loans, + AR$ Remunerated accounts, I banking services offering a comprehensive C
Slide 14: Challenging macro further impacted by Covid-19
| a CHALLENGING MACRO FURTHER IMPACTED BY COVID-19 Government showing signals of fiscal restraint for 2021 Activity has continued to rebound from the sharp slump in March-April... —Economic Indicator (MoM var) 170 —— Industrial Production —_ 120 Ve 70 Jan-6 Sep-16 May-17 Jan-18 Sep-18 May-19 Jan-20
Slide 15: Loans
[AR$ Bill. in Nominal terms] [Original Currency] [in US$ Bn.] [in AR$ Bn. in Original Currency] 16 14
Slide 16: Loans (continued)
[AR$ Bill. in Nominal terms] [Original Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 17 15
Slide 17: Loan portfolio
[AR$ Mill.]1) [%] [Mill, in Original Currency]1) 18 16
Slide 18: Loan portfolio breakdown
[AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal Personal $ Business $ Business Portfolio Portfolio Commercial Retail 17 8
Slide 19: Supervielle deposits
SUPERVIELLE DEPOSITS Grupo D> SUPERVIELLE Despite decline in deposits at quarter-end, average balances of AR$ deposits increased 10% QoQ and 41% YoY Funding ARs Mil] Deposits (Mi, %] ; - » Average Deposit ; 6.1% AR$ Mill Growth 18.8% — +242% ©—-+9.0% += -3.5% (+43.7% ] 440.5% (+AR$.41.5Bn) ; YoY 210
Slide 20: Net financial income and NIM
J io NET FINANCIAL INCOME (NFI) & NIM spreads, partially offset by higher Central Bank securities volumes. Net Financial Income /4RS Mi] { 31.1% } pte 3Q19 4Q19 1Q20 2Q20 m NII (1,2) mNIFFI & Exchange Rate Differences (1,2) mNet Financial Income YTD Interest Spread/%.] 8% rm 7,542.3 9,863.7 8,440.5
Slide 21: Fee income
[AR$ Mill.] [AR$ Mill.] [%]1) 20
Slide 22: Asset quality and provisions
GRUPO a SUPERVIELLE NPL ratio down to 4.5%, Coverage up to 181.3% and provisioning ratio up to 8.1%. 3Q20 LLPs include AR$ 1.0 Bn in Covid-19 specific provisions Loan Loss Provisions Evolution Provisioning Ratio on Total Portfolio /%/ 8 Coverage 101 1,2 ratio [%] 72 } 3Q19, 4Q19.--1Q20.--2Q20. —-3Q2
Slide 23: Supervielle loans - risk management
SUPERVIELLE LOANS- RISK MANAGEMENT Loans breakdown by industry? /%/ Families and individuals Agribusiness Food & Beverages Construction & Public works Wine Utilities Financial Oil, Gas & Mining Retailer Chemicals & plastics Automobile Transport Machinery & Equipment Others msep-20 mjun-20 + Well Div
Slide 24: Administrative expenses and efficiency ratio
ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO Grupo > SUPERVIELLE Strict cost controls contributed to a 90 bps QoQ improvement in the Efficiency ratio reaching 61.0% in 3Q20 Personnel and Administrative, Expenses, D&A & Efficiency Ratio (ARs Mi] { 66% } | pt-0.4%}- 6,519.5 8,353.4 6,616.3 6,999.8 6,947
Slide 25: Insurance and other results
[AR$ Mill.] [AR$ Mill.] [%] [%] 19 24
Slide 26: Capitalization
CAPITALIZATION crupo > SUPERVIELLE Tier 1 Ratio of 14%, up 60 bps QoQ benefitting from Central Bank regulatory easing on provisions and further impact of IAS29 Capital Deployment (Tia / Ratio %]”” 04% 12% ee — Pe ee 0,7% 0.4% — Jun 20 3Q20 Expected loss Net Result RWA Deductions Others Sep 20 Inflat
Slide 27: Loans, deposits, asset quality outlook
Loans Deposits Asset Quality NIM Operating Expenses Fee Income Capital & Liquidity 13 26
Slide 28: Contents: Support Material
GRUPO YP SUPERVIELLE =n. Ee Support Material
Slide 29: Competition: financial system
Competition | Financial System in million of Ps as of April 2020 crupo > SUPERVIELLE M4% Argentine Financial Nght Argentine Financial System System in terms of Loans in terms of Deposits EEE anneal Banco de la Nacién Argentina S.A. 466.373,10 16,0% 1.492.466,80 18,0% 1.204,340,60 20,3% Banco de Gali
Slide 30: Income statement and balance sheet
INCOME STATEMENT & BALANCE SHEET In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Income Statement 3020 2020 1920 4Qi9 3Q19 Q0Q YoY Net Interest Income 8,389,4 8.722,7 7.975,0 5.627,7 2.132,9 -3,8% 293,3% NIFF| & Exchange Rate Differences 1.497,8 1.
Slide 31: Key indicators
KEY INDICATORS Profitability & Efficiency 7 3Q20 2020 1920 4Q19 3019 ROA 71.0% 144% 7.1% -9,6% -33,6% ROA) 1.4% 2,0% 1,0% 13% -3,9% Net Interest Margin (NIM: 21,2% 235% 22,8% 29,0% 17,3% Net Fee Income Rati 17,3% 18,1% 21,7% 17,7% 23,2% Cost / Asset: 115% 12,5% 12,3% 16,8% 110% Efficiency Rati 61,0%
Slide 32: Key indicators
KEY INDICATORS In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Profitability & Eff Retail Price Index (%) Avg. Retail Price Index (% UVA (van)| Pesos/US$ Exchange Rate Badlar Interest Rate (eop)| Badlar Interest Rate (avg) Monetary Policy Rate (eop
Slide 33: Income statement and balance sheet (managerial)
] 20 INCOME STATEMENT & BALANCE SHEET Managerial Information Non-restated figures - In millions of Argentine Ps. Income Statement Net Interest Income NIFFI & Exchange Rate Differences Net Financial Income Net Service Fee Income!) Income from Insurance activities Loan Loss Provisions Personnel & Admi
Slide 34: Key indicators
KEY INDICAT! Non-restated figures - In millions of Argentine Ps. Profitability ee 3Q20 2Q20 1920 4Q19 3Q19 ROAI 29,9% 32,4% 26,4% 28,4% 62% ROAv 3,4% 3,7% 3,5% 37% 0,7% GRUPO a SUPERVIELLE
Slide 35: Footnotes on renamed entities
1. In the process of being renamed Supervielle Agente de Negociación S.A.U.) 34 2. In the process of being renamed Dólar IOL
Slide 36: Thank You!
la SUPERVIELLE Thauk You! Company PRESENTATION December 1-2, 2020
Grupo Supervielle — UBS Global Emerging Markets One-on-One Virtual Conference 2020 on 6ix