Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — UBS BB Argentina One-on-One Conference in New York (May 2026)
61 slides from Grupo Supervielle Sa Class B's conference presentation, May 13, 2026
Slide 1: Corporate Presentation 1Q26
Corporate Presentation 1Q26 May 2026 IR-GrupoSupervielle@gruposupervielle.com.ar Reconquista 330, (C1003ABH), Ciudad de Buenos Aires, Argentina
Slide 2: Disclaimer
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,” “expect,” “intend,” “
Slide 3: Contents
Who we are SUPV 1Q26 Results, SUPV Earnings Conference Call Presentation, May 6, 2026 Annex I: 1Q26 Supplementary Financial Contents Information & Ratios Annex II: Industry Outlook and Supplementary Information Annex III: Macro Annex IV: ESG Commitment IR-GrupoSupervielle@gruposupervielle,com,ar Ciu
Slide 4: SUPV Who we are
SUPV Who we are IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 4
Slide 5: Building an Ecosystem: Focused on Our Customers' Everyday Banking and Financial Needs
Building an Ecosystem: Focused on Our Customers’ Everyday Banking and Financial Needs FINANCIAL SERVICES INSURANCE Market share 1 MOBILITY 4.1 Play Store 9° 2.8% 375k 4.6 App Store 1 Loans 2.7 Bank 11° 3.0% Insurance AuC US$ Bn] policies HOUSING APIs Bank Deposits 2) Argentina integration 2.1M Corpo
Slide 6: Executing on Our Strategy; Scaling the Ecosystem
Executing on Our Strategy; Scaling the Ecosystem Customer -Centric Cluster -Based One-stop shop investment platform & Tech Enabled Customer Strategy Fast, Disruptive Strategic SMBs & Mass Affluent Strategic Moves partnerships Cross -Selling IOL Customers Ready for what’s next • Evolving the Supervie
Slide 7: Strategic Focus: Profitable Growth via Targeted Segments and Products
Strategic Focus: Profitable Growth via Targeted Segments and Products Prioritization of Segments/Products: Prioritizing Targeted Industry - Client Clusters Customer -Centric 1 Corporates 5 & Tech Enabled (Segments/ Products/ Industry), E,g, Oil & Gas, Mining Fast, Disruptive Strategic Moves 2 Mendoz
Slide 8: Our Subsidiaries
Our Subsidiaries 100% 100% SOFITAL S.A .U.F. e I, 5.0% 5.0% 4.76% “Banco Supervielle S,A,” 95.0% 100% 95.0% 100% 95.2% 100% 99.9% 95.0% 97.1% 100% Direct Participation Direct + Indirect Participation 100% 99.995% Holding 100% 100% 100% 100% 0% 100% 0% 100% S.A. 100% Agente 100% de Valores AGENTE DE
Slide 9: 1Q26 Results
1Q26 Results SUPV Earnings conference call presentation May 6, 2026 9
Slide 10: 1Q-2026: Net Income Before Extraordinary Severance Charges Turns Positive
1Q-2026: Net Income Before Extraordinary Severance Charges Turns Positive; Improving Operating Trends Loan & Asset Efficiency Profitability Business Deposits Quality Program and Capital Performance • Loans -5.6% QoQ, due to • Bank headcount rightsizing • NPL ratio at 5.6% vs. • Net loss of AR$17.1b;
Slide 11: Operating Environment Stabilizing Toward Quarter End
Operating Environment Stabilizing Toward Quarter End 1Q26: From Challenging Conditions to Policy Momentum Supporting 2026 Outlook Improving Stability • Challenging start to the quarter • Structural reforms improving macro predictability • IMF staff -level agreement reinforces reform momentum • Inter
Slide 12: Banco Supervielle: Executing on Key Drivers of Earnings Recovery
Banco Supervielle: Executing on Key Drivers of Earnings Recovery Balance Sheet Discipline & Asset Quality Structural Efficiency Funding Optimization Improvement • Selective origination focused on risk- • Delinquency trends improved through March • Headcount rightsizing plan successfully adjusted gro
Slide 13: Adjusted Net Income Turns Positive: Reported Results Impacted by Severance Charges
Adjusted Net Income Turns Positive: Reported Results Impacted by Extraordinary Severance Charges 1Q26 EARNINGS • Lower funding • Investment • Higher • Lagged fee • Seasonal • Lower LLPs • 4Q25 recorded • Higher costs as rates portfolio quarterly repricing and reduction of driven by seasonal credit t
Slide 14: Underlying Profitability Achieved, Cost Base Reset
Underlying Profitability Achieved, Cost Base Reset to Support Future Earnings, with Additional Structural Cost Benefits Expected in 2Q26 1Q26 Reported Net Extraordinary Severance 1Q26 Underlying Net 3-month Salary Savings, 1Q26 Structural Income Charge, Net of Income Tax 1 Income (ex -severance) Net
Slide 15: Commercial Lending Leads Portfolio Mix
Commercial Lending Leads Portfolio Mix; Disciplined Retail Origination Reflects Prudent Risk Management Loan portfolio evolution Mar 24 - Loan portfolio Breakdown [In AR$ Bn] QoQ YoY to date [%] Commercial 2.800 portfolio FX neutral -2.7% Retail -4% +62% +159% loans 2.300 37% Commercial portfolio 1.
Slide 16: NPL Ratio at 5.6% with Early Signs of Stabilization
NPL Ratio at 5.6% with Early Signs of Stabilization; Net Cost of Risk Eased to 6.0% Timely Portfolio NPL, Coverage and CoR [%] Initiatives • Collection and refinancing initiatives 5,9% 5,8% implemented since December 2025, NPL Coverage ratio 5,6% targeting individual and SME customers January Februa
Slide 17: Enhanced Funding Mix with Lower Reliance on High-Cost Wholesale Deposits
Enhanced Funding Mix with Lower Reliance on High -Cost Wholesale Deposits AR$ Deposits Breakdown AR$ Retail & Commercial Deposits growth [%] [AR% Bn.] % QoQ YoY Time Deposits (Individuals and Companies) Checking Accounts 750 +2.1% +26% Savings Accounts 700 -29% -3% 42% 650 Wholesale 47% Funding 57%
Slide 18: NIM at 17.7% Supported by Lower Rates Since Early March
NIM at 17.7% Supported by Lower Rates Since Early March Net Financial Income [AR$ Mill,] NIM breakdown +9.5% NIM [%] 19.2% 18.8% 17.7% -5.3% Var % 26,1 Loan Portfolio NFI 232,622 268,902 254,656 QoQ YoY 21,5 17,4 Investment 16,9 16,9 16,3 Portfolio -17.5% +31.3% 1Q25 4Q25 1Q26 104.685 65.764 86.354
Slide 19: Updating 2026 Expectations to Reflect 1Q26 Performance
Updating 2026 Expectations to Reflect 1Q26 Performance and Normalizing Operating Conditions 1Q QoQ Var YoY Var 2026e • Tight monetary policy and soft economic activity. Temporary mix - shift towards corporate loans. Retail lending to resume as Loans 20 -25% economic activity, employment and disposab
Slide 20: Updating 2026 Expectations (cont.)
Updating 2026 Expectations to Reflect 1Q26 Performance and Normalizing Operating Conditions 1Q26 QoQ Var YoY Var 2026e • Expected growth in Banking fees, softer Asset management fees, Net Fee mainly from money market funds, while brokerage fees compare In line with Income inflation against a high 20
Slide 21: Annex I: 1Q26 Supplementary Financial Information & Ratios
Annex I: 1Q26 Supplementary Financial Information & Ratios 21
Slide 22: Balance Sheet Repositioning Toward Private-Sector Lending
Balance Sheet Repositioning Toward Private -Sector Lending Shift from Investment to Loan portfolio [% of Assets] Investment portfolio Loans -31p.p. +25p.p. 50% 45% 48% 48% 48% 24% 29% 20% 19% 23% Dec 23 Mar 24 Dec 24 Dec 25 Mar 26 Dec 23 Mar 24 Dec 24 Dec 25 Mar 26 32.2% 43.6% 69.7% 77.8 % 77.1% Loa
Slide 23: Loan Book down 6% QoQ
Loan Book down 6% QoQ due to subdued AR$ demand, selective origination, and Peso appreciation. USD loans +12.8% in original currency 02 Total Loan Breakdown 01 Assets Evolution [AR$. Bn) [%]2) +14.6% -4.4 % 100% 100% 100% 7,115 8,527 8,155 Net Loans: 48% of total 37% 37% 4.105 52% 3.870 3.172 Public
Slide 24: Commercial Lending Leads Portfolio Mix
Commercial Lending Leads Portfolio Mix; Disciplined Retail Origination Reflects Prudent Risk Management Retail Loans: 37% of total from Commercial Loans: 63% of total from 01 52% as of Dec 24 02 48 % as of Dec 24 17 2 54 Retail loans In AR$ Bn, Commercial loans In AR$ Bn, 32 Retail -9% QoQ Commercia
Slide 25: Retail Loan Portfolio: Focus on Payroll and Pension Customers
Retail Loan Portfolio: Focus on Payroll and Pension Customers Over Open Market Customers 53% Loans to payroll and pension clients/ Credit cards volumes to payroll 61% and pension customers total loans to individuals Personal loans granted to payroll Collateralized retail loan portfolio to 87% and pe
Slide 26: Atomized and Diversified Loan Portfolio
Atomized and Diversified Loan Portfolio within Company Portfolio Limits Loans breakdown by industry [%] 1Q26 4Q25 1Q25 Business Sector Share Share Share Families and individuals 34.9% 35.9% 47.9% Agribusiness 8.0% 9.4% 7.7% Collateralized commercial loan portfolio 23% Food & Beverages 5.2% 5.3% 5.7%
Slide 27: NPL Ratio at 5.6% with Early Signs of Stabilization
NPL Ratio at 5.6% with Early Signs of Stabilization; Net Cost of Risk Eased to 6.0% NPL & Coverage NPL Breakdown Ratio [%] 152,7% 2025 2026 Mar Dec Mar 111,6% Corporate 103,9% & SMES 1.3% 3.2% 4.0% Retail 2.8% 9.2% 9.9% TOTAL 2.0% 5.0% 5.6% 2,0% 5,0% 5,6% Note: NPL ratio includes off balance sheet g
Slide 28: Total Funding -4% QoQ and +10.2% YoY
Total Funding -4% QoQ and +10.2% YoY. QoQ performance driven by deliberate reduction in higher -cost wholesale peso funding and fx appreciation Funding AR$ Deposits Breakdown Deposits Breakdown [AR$ Bn,] [%] +10.2% AR$ Deposits (Bn,) US$ Deposits (MM) -4.0 % -3.4 % +51.0% 6,738 7,729 7,422 -2.9% +6.
Slide 29: Continued cost discipline and structural efficiency gains
Continued cost discipline and structural efficiency gains. Adjusted expenses declined 12.6% QoQ and 4.9% YoY Net Revenues, Expenses & Efficiency Ratio [AR$ Mill,] EFFICIENCY [%] 59.6 60.6 68.9 55.8 Net Revenues 1 Expenses 2 275.129 294.222 279.347 279.347 1Q26 1Q26 163.903 178.383 192.479 155.914 Qo
Slide 30: Net Fee Income reflects lagged fee repricing
Net Fee Income reflects lagged fee repricing and lower brokerage and asset management activity Fee Income breakdown Net Service Fee Income ex ex insurance [%] insurance [AR$ Mill,] -14.2% Non-financial services -10.6% 13,3% 11,3% 9,7% Asset Management 9,7% 10,5% Other bank fees 11,3% 60.279 57.852 5
Slide 31: Attributable net loss narrowed sequentially
Attributable net loss narrowed sequentially. Excluding extraordinary severance charges, net income was AR$6.7 billion. Profit Before Income Tax Attributable Net Income [AR$ Mill,] [AR$ Mill,] 10.526 17.017 6.706 13.505 17.139 14.211 -95.876 -40.653 -33.632 -21.369 -17.061 -22.354 -45.914 -50.734 -31
Slide 32: 2026 Performance - CET1 at 15.4%
2026 Performance - CET1 at 15.4%; stable QoQ • 100% impact • Lower RWA • Higher deductions TIER1 from net loss density on deferred tax KEY MESSAGE -0.4 +0.7 -0.3 15,4% 15,4% Dec 25 Bank, Net Result RWA Deductions Mar 26 32 32
Slide 33: Income Statement & 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 1Q26 4Q25 3Q25 2Q25 1Q25 QoQ YoY Net Interest Income 212.623 267.063 181.176 239.255 196.749 -20,4% 8,1% NIFFI & Exchange Rate Differences 42.033 1.838 -33.611 20.147
Slide 34: Key Indicators
Key Indicators 1Q26 4Q25 3Q25 2Q25 1Q25 ROAE -6,2% -7,7% na 5,8% 3,5% Adjusted ROAE 2,5% ROAA -0,8% -1,0% na 1,0% 0,6% Profitability Net Interest Margin (NIM) 17,7% 18,8% 10,8% 20,8% 19,2% & efficiency Net Fee Income Ratio 19,2% 20,1% 31,2% 19,4% 23,5% Cost / Assets 9,4% 8,3% 8,5% 9,8% 9,9% Efficien
Slide 35: Key Indicators
Key Indicators 1Q26 4Q25 3Q25 2Q25 1Q25 Retail Price Index (%) – QoQ 9,4% 7,8% 6,0% 6,0% 8,5% Retail Price Index (%) – YoY 32,6% 31,5% 31,8% 39,4% 55,9% UVA (var) 8,6% 6,8% 5,4% 8,7% 7,2% Macro Pesos/US$ Exchange Rate 1.382,76 1.459,42 1.366,58 1.194,08 1.073,88 data Tamar ( eop) 26,3% 28,9% 42,4% 3
Slide 36: Annex II: Industry Outlook and Supplementary Information
Annex II: Industry Outlook and Supplementary Information IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 36
Slide 37: Looking Ahead: Recovery Path Strengthened by Macroeconomic Anchors
Looking Ahead: Recovery Path Strengthened by Solid Macroeconomic Anchors and Mid -Term Election Outcome, Setting the Momentum for Structural Reforms 2026 structural reforms approved Labor reform and & Mid-term elections Glacier Protection Law strengthened government’s FX Reserves approved ACHIEVEMEN
Slide 38: The Argentine Banking Business Has the Potential for Multiple Years of Growth
The Argentine Banking Business Has the Potential for Multiple Years of Growth Under -developed Banking System Credit penetration across the Loans / GDP region Source Morgan Stanley based on public information and company estimates. As of December 31, 20 25 Source Morgan Stanley based on public infor
Slide 39: 2024 First Year of Loan Growth Since 2017
2024 First Year of Loan Growth Since 2017 Loans to the Private Sector Evolution Loans to Private Sector (in real terms) (AR$ bn in real terms, March 2026) Source: BCRA Source: BCRA 146.905 144.298 94,6% 85,2% 135.530 137.929 63,2% 122.125 54,3% 116.899 36,7% 120.259 106.341 105.862 14,8% 18,0% 14,1%
Slide 40: Loans Continued to Expand but at a Slower Pace
Loans Continued to Expand but at a Slower Pace, Constrained by Tight Monetary Policy and Weak Economic Environment Loans to Private Sector [AR$ Bill, in real terms] +18.0% +12.8% +7.6% +1.7% -4.4 % 116.899 131.835 141.914 144.300 137.929 1Q25 2Q25 3Q25 4Q25 1Q26 AR$ Loans U$S Loans [in AR$ Bn, in re
Slide 41: Financial Sector AR$ Deposits Declining in real terms in 1Q26
Financial Sector AR$ Deposits Declining in real terms in 1Q26; US$ Deposits Momentum Continue Total Deposits [AR$ Bill. in Real terms] +5.5% +8.4% +3.6% +1.2% -7.2% 187.975 203.697 211.063 213.646 198.223 1Q25 2Q25 3Q25 4Q25 1Q26 AR$ Deposits U$S Deposits [in AR$ Bn. in real terms ] [in US$ Bn.] -1.
Slide 42: Ranking
Ranking Competition | Financial System in million of Ps as of December 2025 SUPV # 9 SUPV # 11 Argentine Financial System in terms of loans Argentine Financial System in terms of Deposits Assets Share Loans Share Deposits** Share Banco Nación 69,203,707 22.8% Banco Nación 25,224,618 19.2% Banco Naci
Slide 43: Regulatory Environment in Argentina
Regulatory Environment in Argentina The following table provides a summary of the most relevant regulations currently in place, A more detailed description of regulations is also included hereunder,grouped by topic, to facilitate understanding, Regulation Description Current Data (May 4, 2026) Time
Slide 44: Regulatory Environment in Argentina [cont.]
Regulatory Environment in Argentina [ cont.] The following table provides a summary of the most relevant regulations currently in place, A more detailed description of regulations is also included hereunder,grouped by topic, to facilitate understanding. Regulation Description Limit Liquidity Coverag
Slide 45: Minimum Cash Reserve Requirements
Minimum Cash Reserve Requirements AR$ Checking & Savings Accounts (excluding mutual funds deposits) 8% set up in 53.5% 5% set up in 9% set up in treasury bonds +3.5pp -3.5pp 50% -5pp 45% treasury bonds treasury bonds +5pp 35,0% 31,5% 50,0% 31,5% 45,0% 45,0% 18,5% 18,5% 13,5% 2023 jun 25 aug 25 sep 2
Slide 46: Annex III: Macroeconomic environment
Annex III: Macroeconomic environment 46
Slide 47: Sharp Decline in Inflation Levels
Sharp Decline in Inflation Levels 01 Monthly Inflation [%] 02 Annual inflation Evolution [%] 30 350 25,5 211,4 289,4 300 25 250 20 200 15 94,8 150 117,8 10 100 53,8 31,5 30,5 5 24,8 3,4 50 47,6 50,9 36,1 32,6 0 0 dic-17 dic-18 dic-19 dic-20 dic-21 dic-22 dic-23 dic-24 dic-25 dic 26 jun-23 jun-22 jun
Slide 48: Interest Rates: From Steady Decline to Pre-Election Volatility
Interest Rates: From Steady Decline to Pre -Election Volatility; Normalization Seen in March 01 Interest rates [%] 3Q25 ( avg): 4Q25 ( avg): 1Q26 ( avg): Badlar: 42.83 Badlar: 35.57 Badlar: 29.85 Tamar: 45.73 66,38 Tamar: 38.30 Tamar: 31.98 4Q24 ( avg): 1Q25 (avg): 2Q25 ( avg): 66,00 3Q24 ( avg): Ba
Slide 49: Monetary Base Growth Decelerates, FX Reserves Bolstered by IMF Agreement
01 30-ene-24 29-feb-24 31-mar-24 30-abr-24 31-may-24 Source: Central Bank 30-jun-24 [AR$ Bn, %] 31-jul-24 31-ago-24 30-sep-24 31-oct-24 30-nov-24 Monetary base evolution 31-dic-24 31-ene-25 Monetary Base 28-feb-25 31-mar-25 30-abr-25 31-may-25 30-jun-25 31-jul-25 31-ago-25 YoY Growth 30-sep-25 31-oc
Slide 50: Economic Activity Sustains High Levels
Economic Activity Sustains High Levels, Even Amid Recent Short -Term MoM Swings Monthly E conomic indicator. Monthly Economic indicator. 01 Index, YoY Growth 02 Seasonally adjusted series. MoM Growth 180,0 40,0 15,0 160,0 152,8 30,0 10,0 150,0 160,0 140,0 20,0 5,0 140,0 138,2 130,0 10,0 0,0 120,0 12
Slide 51: Consumer Confidence Index
Consumer Confidence Index 01 Consumer confidence Index 3,5 102,1% 3 2,86 2,46 2,5 2,45 2 1,94 2,02 1,5 18,5% 17,5% 1 15,6% 12,2% 11,8% 9,9% 5,8% 7,1% 5,6% 6,8% 8,1% 2,7% 5,0% 4,9% 1,8% 0,5% 0,5 -0,5% -0,3% -5,4% -0,1% -0,6% -1,1% -4,4% -2,1% -3,7% -1,9% -3,7% -4,6% -3,5% -8,1% -9,1% -8,7% -1,8% -8,2
Slide 52: Unemployment Rises Recently but Remains Low
Unemployment Rises Recently but Remains Low by Historical Standards 01 Unemployment [%] 13,1 11,7 11 10,6 10,4 10,1 10,2 9,6 9,7 9,6 9,2 9,1 9 9,1 8,7 8,9 8,3 8,2 7,7 7,6 7,9 7,6 7,5 7,2 7 7 6,9 7,1 6,9 6,9 6,4 6,6 6,3 6,2 5,7 5,7 52 Source Indec Unemployment
Slide 53: Government Determined to Maintaining Financial Balance
Government Determined to Maintaining Financial Balance, and Delivering Results 53 Fuente: Own estimates based on Ministry of Finance information
Slide 54: Trade Balance, Exports & Imports
Trade Balance, Exports & Imports 01 Foreign Trade – US$ millones 87.111 75.791 11.320 Trade Balance Exports Imports 54 Fuente: Own estimates based on INDEC information.
Slide 55: Trade Balance, Exports & Imports
Trade Balance, Exports & Imports Evolution of Argentina’s Export 01 Composition (%) 7 4 3 4 7 7 7 7 7 7 10 12 12 13 29 24 32 32 26 35 33 33 30 26 34 31 28 27 40 40 40 38 37 37 35 41 35 36 39 37 36 37 27 27 30 28 27 23 23 23 25 23 22 23 25 21 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 202
Slide 56: Energy & Mining - Trade Balance
Energy & Mining - Trade Balance 01 Trade Balance evolution (US$ Bn.) 75 71 63 64 54 28 31 23 22 45 18 32 15 25 7 21 16 6 42 43 44 13 6 36 40 9 30 6 25 5 19 3 15 6 8 10 2024 2025 2026e 2027e 2028e 2029e 2030e 2031e 2032e 2033e 2034 2035 Energy Mining 56 Source: Ministry of Economy
Slide 57: RIGI Driving Investments
RIGI Driving Investments Submitted Projects by industry projects Mining Oil & Gas Energy • Investment: USD 69,248 millions 32 • Job creation: 134,000 • Export potencial: 40, 269 millions • Projects: 18 • Projects: 8 • Projects: 3 • Investments: USD • Investments USD • Investments: USD 45,678 million
Slide 58: Tax reduction equivalent to 2.5% of GDP over two years
Tax reduction equivalent to 2.5% of GDP over two years Impact of tax reduction in 2024 and 2025 Impact as % of GDP Total impact 2024 2025 (2024+2025) Total 0.45% 1.99% 2.45% Personal Assets tax 0.42% 0.32% 0.75% Real Estate Transfer Tax 0.01% 0.02% 0.03% Export Duties 0.03% 0.44% 0.47% Import Duties
Slide 59: Annex IV: ESG Commitment
GRUPO a SUPERVIELLE Annex IV: ESG Commitment
Slide 60: ESG Strategy & Sustainable Growth
ESG Strategy & Sustainable Growth OUR COMMITMENTS OUR FOCUS AREAS Sustainable Finance Sustainable growth—protection of the environment Financial Inclusion for our Customers and and pursuance of our business strategy in a socially Energy Management Community responsible manner Natural Resources, Soci
Slide 61: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Reconquista 330, (C1003ABH), Ciudad de Buenos Aires, Argentina
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