Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — AR Partners Annual Equity Conference in Buenos Aires 2019
26 slides from Grupo Supervielle Sa Class B's conference presentation, Jun 26, 2019
Slide 1: Grupo Supervielle
GRUPO a SUPERVIELLE > SUPERVIELLE Tarjeta Automatica s.a. > SUPERVIELLE SeGUROS ASSET fe : . . wea (19 invertirOntine.com VA y ff . 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: Supervielle
i“ SUPERVIELLE
Slide 4: Non-Intervention zone
Non-Intervention zone Since April 29, 2019 the Central Bank has changed its Fx intervention strategy 4
Slide 5: 10.0% (3.8)% 2.1% 14.1% 15.6% 28.4% (2.3)% 36.2%
10.0% (3.8)% 2.1% 14.1% 15.6% 28.4% (2.3)% 36.2% 5
Slide 6: Flexibility under volatile macro scenario
COMPANY PRESENTATION GRUPO - SUPERVIELLE J Flexibility under volatile macro Scenario Assets Growth / Central Bank Securities Soft Loan Demand Deposits Growth / Funding Governance Asset Quality Costs Control
Slide 7: Our Digital Agenda
GRUPO a SUPERVIELLE | Our Digital Agenda = Customer Episodes / Routine transactions in branches = Digital Onboarding = Cash Management = |nitiatives to drive higher efficiency in Senior Citizens Branches = A leaner and more agile management structure that facilitates synergies across the platform =
Slide 8: Supervielle Strategy: One Client Vision
GRUPO a SUPERVIELLE J Supervielle Strategy: One Client Vision Corporate Consumer Banking Customers Finance Customers SUPERVIELLE Automatica sa. 1.4 Mill. 5K 400K ACTIVE CUSTOMERS Insurance SUPERVIELLE ELLE USER EXPERIENCE Asset Management SUPERVIELLE DIGITAL TRANSFORMATION AND EFFICIENCY Online Brok
Slide 9: Supervielle
la SUPERVIELLE
Slide 10: Supervielle
i“ SUPERVIELLE
Slide 11: Supervielle 2019 guidance
Supervielle 2019 guidance gare re Annual guidance in more challenging economic backdrop FY 2019 EXPECTATIONS Guidance BD changes in Macro Assumptions Total Loan Growth? 21-31% Cost of Risk 5.0 -5.8% GDP 3 Inflation 3 Badlar Rate (eop) # Monetary policy Rate (eop) 3 FX Ar$ (eop) 3 48 51 18.5 - 20.5%
Slide 12: 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 13: 163,849 163,849 146,123 141,115 146,123 141,115 120,789 120,789 96,570 96,570 13
163,849 163,849 146,123 141,115 146,123 141,115 120,789 120,789 96,570 96,570 13
Slide 14: 83,378 80,172 81,827 75,830 66,480
83,378 80,172 81,827 75,830 66,480 14
Slide 15: 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 16: 97,185 94,906 109,677 75,673 55,540
97,185 94,906 109,677 75,673 55,540 16
Slide 17: Funding & deposit base
Funding & deposit base sont | Actively managing wholesale & institutional deposit base to maximize spread in current environment BBP Funoine cars mils 79.1% 15.6% h 21.5% (3.7)% 24.0% "1 440,307 | * [735,054] |115,476 | 16.220 756 26.902 94,906 mar 18 jun 18 sep 18 Dec 18 Mar 19 = Deposits ™ Other F
Slide 18: 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 BBP Net Financial Income [AR$ Mill] | ANI = TOTAL, 19.8 73° «182 ©: 203
Slide 19: 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 20: Credit Card Loans NPL
Credit Card Loans NPL Credit Card Loans Delinquency +90 Personal Loans NPL Personal Loans Delinquency +90 Retail Segment NPL Retail Segment Delinquency • • 20
Slide 21: 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 22: 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 23: • 874,5 935.3 615.4 744.8 • 475.3
• 874,5 935.3 615.4 744.8 • 475.3 23
Slide 24: 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 AP ITAL DEPLOYMENT [Tier | ratio %1 1° 08 04 oH we avr -0,4 a = me ~ . 12,1 TIERI Capital Capital RWA Deferred Fx Impact on Othe
Slide 25: novation Simplicity Nunbte Commitment Respect Efficiency Innovation Simplicity Nimble
novation Simplicity Nunbte Commitment Respect Efficiency Innovation Simplicity Nimble 2 Commitment Respect Efficiency Innovation Simplicity Nimble Commitment Respect Effie niitment Respect Efficiency Innovation Simplicity Nimble Commitment Respect Efficiency | Efficiency Innovation Simplicity Nimble
Slide 26: Grupo Supervielle
GRUPO | a SUPERVIELLE
Grupo Supervielle — AR Partners Annual Equity Conference in Buenos Aires 2019 on 6ix