Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q1 2023 Earnings Presentation
17 slides from Grupo Supervielle Sa Class B's earnings presentation, May 23, 2023
Slide 1: May 23, 2023
May 23, 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: 1Q-23 performance and 2023 Priorities
1Q-23 • • • performance 2023 Priorities • • • • • • • • 3
Slide 4: Navigating a volatile macro environment
Navigating a volatile macro environment aura. De Drop in FX reserves further Interest rate hikes following accelerated impacted by the drought in 2023 inflation while official FX continues to lag Flow from exports [US$ ] FX, Inflation, Interest rate | il "x depreciation —=Monthly inflation —=Badlar
Slide 5: Fiscal balance restrain
Fiscal Comprehensive 2023 balance Inflation Reforms restrain pressure Better 2024 export IMF: conditions Additional Fiscal driven by: financing adjustment improved conditions Interest & discipline harvest rates season; energy balance Fx Integral currency macroeconomic depreciation plan 5
Slide 6: • • • • • • • • -1.1% +1.1% -25.5% -11.8% -1.8% -6.1%
• • • • • • • • -1.1% +1.1% -25.5% -11.8% -1.8% -6.1% +18.4% 6
Slide 7: Decline in assets and liabilities reflecting focus on profitability
Decline in assets and liabilities reflecting focus on profitability BHC, re 1Q 2023 EARNINGS Total Assets [AR$ Mill]” AR$ Deposits [Mill, Industry ARS -18.4% Deposits: -5% QoQ -13.7% +2.8% YoY 907,566 Others Government 5 Securities umm —e il Central Bank aS OF Apri Securities 1Q22 4Q22 1Q23 SS A$ De
Slide 8: Profitability focus & stricter scoring along with 1Q seasonality impact loan book
Profitability focus & stricter scoring along with 1Q seasonality BHC, re impact loan book / 1Q 2023 EARNINGS \ Total Loans [AR$ Mill]” {-24.0%} tt. 6%|— Industry Loans: -1.1% QoQ ii -14.9% YoY 1Q22 4Q22 1Q23 1Q22 4Q22 1Q23 . @ =™4Q22 =1Q23 , a , a : a , a , a ‘* Corporate | *Personal& | *Personal& |
Slide 9: Loan portfolio decrease impacted NPL ratio
April 2023 NPL Coverage ratio • Loan portfolio decrease impacted+40 bps in NPL ratio 9
Slide 10: Early delinquency of consumer finance customers requires high provisioning
• Early delinquency of consumer finance customers requires a high level of provisioning in the expected loss model. • 91-day delinquency: 92% provisioning ratio • Consumer gross loan portfolio decreased 11% QoQ in nominal terms and 27% in real terms 10
Slide 11: 1Q23 NIM at 21.9%, +30 bps QoQ and +270 bps YoY
| 1Q23 NIM at 21.9%, +30 bps QoQ and +270 bps YoY on the aur D back of higher interest rates 1Q 2023 EARNINGS Loan Portfolio & Investment Portfolio Yield Net Financial Margin & NIM Evolution AR$ Mill. - %] 69.2% 69.7% -1.1% -0.7% Interest 60.8% rates hikes 32,886 32,729 32,508 since 1Q22 60.2% BSS 4
Slide 12: Revenues and expenses
persoNnEl Revenues 1 EXPENSES EXPENSES Q oQ Q oQ Q oQ Yo Y Yo Y Yo Y 12
Slide 13: Capitalization: Tier 1 ratio increased to 14.7%
13 Capitalization: Tier 1 ratio increased 170 bps QoQ to 14.7% TIER KEY MESSAGE 13.8% Mar 22 13.0% Dec 22 22% inflation in the quarter Inflation Adjustment 1Q 2023 EARNINGS 1.1% Bank, Net Result 8% increase in RWA 11% RWA IT Investments: -40 bps 0.8% Deductions Mar 23 GRUPO a SUPERVIELLE
Slide 14: Our perspectives: heightened macro & political uncertainty
Our perspectives: heightened macro & political uncertainty due to —sruro > higher inflation and presidential elections * At higher-than-expected inflation levels, Loans Peso Loans anticipated to grow below inflation in 2023 * Peso Deposits anticipated to increase below inflation in 2023, but above l
Slide 15: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
Slide 16: Back-up
Back-up IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina
Slide 17: Loan portfolio decrease and non-performing loans increase
• Loan portfolio decrease:+40 bps • Non-performing loans increase: +22bps 17