Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q3 2022 Earnings Presentation
14 slides from Grupo Supervielle Sa Class B's earnings presentation, Nov 10, 2022
Slide 1: November 10, 2022
November 10, 2022 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: Advancing on our key strategic pillars while operating in a challenging macro environment
Advancing on our key strategic pillars while operating in a gauro Dr challenging macro environment ess Rightsizing Driving Efficiency & CX Adverse Advancing on Inflation Impacts Macro Backdrop Key Strategic Pillars Results v + Inflation accelerated to 22% * On track to finalize Custome * Weak loan d
Slide 4: A clear path to profitability supported by structural drivers
4 A clear path to profitability supported by structural drivers; cruro > expect to return to profitability by the close of 2Q23 VALUE CREATION > PATH TO PROFITABILITY SUPPORTED BY DIGITAL TRANSFORMATION ACCELERATED SINCE 2020 Productivity & Marginal Cost Driving Revenue Rightsizing Headcount and Gro
Slide 5: • • • • • • • • +7.4% -5.7% -34.2% -10.7% +4.7% +11.1%
• • • • • • • • +7.4% -5.7% -34.2% -10.7% +4.7% +11.1% -4.3% 5
Slide 6: Loan book expanded below inflation; in line with system trends
Loan book expanded below inflation; in line with system trends gure. De when excluding transfer of San Luis financial agent business 3Q 2022 EARNINGS ott toas rans win | Loans [AR$ Mill]” —eE -21.8% 100% -11.2% 240,321 4,139) sy 272,922 9.7% Industry excluding Loan: San Luis -8.9% QoQ. 3Q21 2Q22 3Q2
Slide 7: Increased funding market shares
INCREASED FUNDING MARKET SHARES 7
Slide 8: NIM and AR$ Spread
NIM OoO YoY AR$ OoO Spread YoY 8
Slide 9: Healthy asset quality, with NPLs stable sequentially and net cost of risk at a low of 2.8%
Healthy asset quality, with NPLs stable sequentially and net cost gure, Pee of risk at a low of 2.8% 3Q 2022 EARNINGS FNPLE CoverageRatio | & Coverage Ratio Evolution of Loan Loss Provisions [AR$ Mill. - %] 9 9 6.3% ies % 142.0% 141.7% 4.9% | —@- | 4.2% 141.7% 108.3% 4.3% 125.1% 2.8% 3,143 3,408 2,1
Slide 10: Asset Quality and Capital
• ASSET QUALITY • • CAPITAL • ´ 10
Slide 11: Revenues, Expenses, Rightsizing, Branches, Headcount
REVENUES EXPENSES QoQ QoQ YoY YoY Rightsizing Branches Headcount 11
Slide 12: Our perspectives for full year 2022 and 2023
Our perspectives for full year 2022 and 2023 Loans Deposits @ A ae (a) NIM MACRO ASSUMPTIONS 12 * Peso Loans expected grow below inflation in 2022 and in line with inflation in 2023. + Peso Deposits anticipated to increase below inflation in 2022 & above inflation in 2023, as we increase our custome
Slide 13: IUDU operating efficiency from transferring loan portfolio and customers
13 ludu Operating efficiency from transferring IUDU’s loan portfolio and customers to the Bank. +90% headcount reduction ARS 3.7 BN Anticipated Savings in 2023 Stated in AR$ as of December 2022 Lal SUPERVIELLE
Slide 14: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Ciudad de Buenos Aires, Argentina