Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q4 2022 Earnings Presentation
14 slides from Grupo Supervielle Sa Class B's earnings presentation, Mar 14, 2023
Slide 1: March 14, 2023
March 14, 2023 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: Successful execution of strategic pillars: advancing on our path towards profitability
Successful execution of strategic pillars: advancing on our path GRUPO a SUPERVIELLE towards profitability Adverse Macro Backdrop Vv * Inflation of 17% in 4Q22 and 95% in 2022, highest level in several decades Advancing on Key Strategic Pillars v * Finalized Integration of IUDU in 4Q22 > Ps. 14 Bn l
Slide 4: Digital customers
Dec-2021 Dec-2022 2021 2022 2022 vs. 2021 2022 vs. 2021 DIGITAL CUSTOMERS Digital & Automatic Personal Loans [% Q2] Asset Management Car Insurance Insurance policies sold policies sold though digital Clients using Investment in ´22 vs. ´21 channels in ´22 Products in 2022 vs. 2021 • • • • • 4
Slide 5: Growth in all segments in 2022
IN 2022 in all segments Entrepreneurs & SMEs Penetration Dec-2021 Dec-2022 2021 2022 Insurance policies Market Share Sight Deposits sold YoY Insurance Policies Cross-Sell Dec-2021 Dec-2022 2021 2022 Dec21 Nov22 Transactional Cross-sell Mkt. Share Clients Penetration 2 2021 9M22 • • • • 5
Slide 6: • • • • • • • • • -7.0% +1.0% +23.4% +4.0% +9.3%
• • • • • • • • • -7.0% +1.0% +23.4% +4.0% +9.3% -25.5% +73.2% -4,868 + + = +149 6
Slide 7: Loan book expanded below inflation fairly in line with the industry trend
Loan book expanded below inflation fairly in line with the industry trend sequentially Total Loans [AR$ Mill]” GRUPO a SUPERVIELLE 4Q 2022 EARNINGS 100% -22.5% -2.7% 314.044 Industry Loans: -1.1% QoQ ao 14.9% YoY, 40,9% 36,4% 4Q21 3Q22 4Q22 4Q21 3Q22 4Q22 4Q21 ™3Q22 =4Q22 eg 12 _ * Corporate | + Per
Slide 8: Increased funding market share
INCREASED FUNDING MARKET SHARE 8
Slide 9: NIM for 4Q22 at 21.6%, relatively stable sequentially
| NIM for 4Q22 at 21.6%, relatively stable sequentially with full-year aur D NIM at nearly 20% up 230 bps compared to 2021 4Q 2022 EARNINGS Net Financial Income [AR$ Mill.] +3.7% £5 AQ22 NIM 00. 0,0 -40 bps 105,767 109,717 : JY.Y > +330 bps 9490 9 21.6% -0.2% -7.0% 83.6071 87.400,7 26,946 28,899 26,
Slide 10: Sequentially stable NPLs with net cost of risk of 5.7%
Sequentially stable NPLs with net cost of risk of 5.7% up 140 bps aur D QoQ due to higher LLP in consumer finance portfolio 4Q 2022 EARNINGS NPL & Coverage Ratio [%] Evolution of Loan Loss Provisions [AR$ Mill. - %] 5,8% 5,7% 141,7% fo oe o~ 4,3% 143,9% J 51% 5,2% 135,9% (o} 2,8% 4.302 2.632 3.246 3
Slide 11: Rightsizing, branches, headcount, wages
Recurring REVENUES 1 EXPENSES 2 QoQ QoQ YoY YoY Rightsizing Branches Headcount QoQ Wages YoY 11
Slide 12: Capitalization: Tier 1 ratio in line with 2022 perspectives
Capitalization: Tier 1 ratio in line with 2022 perspectives reflecting aur D one-time items; YoY +30 bps even with share buyback 4Q 2022 EARNINGS Impairment of fixed TIERI 17% inflation assets: -40 bps Wis IT Investments: KEY MESSAGE in the quarter Headcount we " --40 bps efficiencies 0,5% —— 1 [| 1
Slide 13: Our perspectives for full year 2023: expect to return to profitability
Our perspectives for full year 2023: expect to return to profitability GRUPO a SUPERVIELLE by close of 2Q23 and achieve positive inflation adj. ROE in 2023 * Peso Loans expected be in line or slightly below inflation in 2023 Loans + Peso Deposits anticipated to increase in line =se Deposits th iflat
Slide 14: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina