Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Morgan Stanley Argentina Virtual Day 2018
26 slides from Grupo Supervielle Sa Class B's conference presentation, Aug 6, 2018
Slide 1: Morgan Stanley Argentina Virtual Day
GRUPO a SUPERVIELLE > SUPERVIELLE Tarjeta I = ie y N Autornattica a. Morgan Stanl yee : » _ r fl 7 =a SUPERVIELLE Argentina Virtual Day “4 August 6", 2018” ) of 4 P AM Moe By @hp== a a 4 ARoeMT 4 4 fe : . : yy ij Jy wee invertirOnline.com WT) thm A Wie A - WS y 4 MR. mila ae
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
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Slide 4: Challenging Argentine Macro Environment
COMPANY PRESENTATION GRUPO - | Challenging Argentine Macro Environment SUPERVIELLE conomic activity & Unemployment in U.S.: Increase in reasury Yiel > Economic activity & Unemployment in U.S.: in 10Y T Yield External Conditions > U.S. Dollar appreciation: Fx depreciation in main Argentine partners A
Slide 5: Substantial changes in market consensus
| Substantial changes in market consensus 2018e January’s Survey] GDP Inflation Badlar Rate (eop) Monetary policy Rate (eop) FX Ar$ (eop) Industry Ar$ Loan Growth Industry Total Loan Growth Industry Ar$ Deposits from Private Sector growth Industry Total Deposits from Private Sector growth Source: Ce
Slide 6: Recent Regulatory Changes
COMPANY PRESENTATION GRUPO - SUPERVIELLE | Recent Regulatory Changes >5% increase in minimum cash reserve requirements (3% since June 21, 2018 and 2% since July 18). These increases in reserve requirements could be allocated in Botes with maturity in Nov 2020. > Decrease in Global Net Position from
Slide 7: Financial sector until 1Q18
COMPANY PRESENTATION Financial sector until 1Q18 pure, Pe | Strong system loan growth while deposits lagged behind; SUPV exceeded market growth BBP LoANs To PRIVATE SECTOR [ARS Bill] BBP 1oTAL DEPOSITSLARS Bill F 62.0% 1 F 43.1% 1 56.1% i 30.4% 1 i (56.1% J 1 : 56.4 60.7 665 472 12.5% | 1Q17* 2Q17 3
Slide 8: Industry Post 1Q18 Loans and Deposits Performance
COMPANY PRESENTATION GRUPO - . SUPERVIELLE ] Industry Post 1Q18 Loans and Deposits Performance BB 225 LoANs tin ARs] BB vss Loans tin uss) BBV. oANs To PRIVATE SECTOR Lin ARS] 0.5)% 1,539.4 1,555.0 Gk "18153 1,920.4 2,009.8 1,999.8 2% isa 1745.7 1,476.7 i Ty TT] March April May June July March — Apr
Slide 9: Interest Rates increased along the quarter
COMPANY PRESENTATION GRUPO - SUPERVIELLE I Interest Rates increased along the 2Q BB Bac RATE (%1 BW DeEPosITs RATE (%1 37.5 Dec Jan Feb Mar Apr May Jun Jul Dec Jan Feb Mar Apr May Jun Jul 2017 2018 2017 2018 “i Lebac Avg. © ——Lebac EoP — Repo “Ss Badlar Avg. ——Badlar EoP TM20 eop Source: Daily Repor
Slide 10: Supervielle
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Slide 11: Who we are
GRUPO a SUPERVIELLE | Who we are High growth financial services franchise in an industry with strong potential BBN TEGRATED FINANCIAL PLATFORM [US$] Main Segments Cross-selling Segments Retail Corporate Consumer Asset . . . . - Insurance Services Online Broker Car Loans Banking Banking Finance Manag
Slide 12: Who we are: growth and success
GRUPO a SUPERVIELLE Who we are High growth financial services franchise in an industry with strong potential BBP srowTh an success Loan Market Share - Financial System - Excluding Public Banks [%] (May 19, 2016) SUPV 7.0 LISTED Supervielle NYSE 6.0 @ GE Money Seguros o BYMA 5.0 40 3.0 > Track record
Slide 13: Supervielle
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Slide 14: Loan Portfolio. Quarterly performance
GRUPO a SUPERVIELLE Loan Portfolio. Quarterly performance Robust loan portfolio growth - up 62% YoY and 10% QoQ! | J LOANS & LEASING [AR$ Iviill.)” | J eee eo Pc lio | 1Q18 BREAKDOWN [% | _ Portfolio breakdown” Large 36 | SME's & Moe 1Q17 4Q17 1Q18 Retail Portfolio breakdown Entrepreneurs & Mortgage
Slide 15: Loan Portfolio: Risk Management
Loan Portfolio Risk Management f Breakdown by Economic Activity Others] 0.5% Textil ff 1.0% Wine industry 1.0% Sugar 11% Fruits & Vegetables f 11% Vehicles [if 15% Cereals i 17% Electricity & Water i 1.9% Primary Production | 21% Oil, Gas & Mining [jj 3.0% Entrepreneurs & Small Businesses |_| 3.8% C
Slide 16: Supervielle
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Slide 17: Funding & deposits base. Past performance
GRUPO a SUPERVIELLE Funding & deposits base. Past performance BBP unoine cars mis BBD De Posit BREAKDOWN [1 TT 6.5% |93,157| Be.044 87,47t _ Wholesale/Institutional . 675% Retail 58.4% ws _ ‘Coypelealts Senior Citizen 35.7% $3,088 fa aie Service Center 9) 31.8% Special Checking accounts Other 32.9%
Slide 18: Assets & Liabilities
COMPANY PRESENTATION GRUPO a SUPERVIELLE J Assets & Liabilities. While interest rates keep moving, assets reprice but on a lagged basis Assets Overdraft n4 Fixed Sight Deposits Prommissory Notes 73 Fixed ARS 180 Mortgage 2,300 Fixed+capital adjusted by inflation U$s 104 A Time Deposits Automobile &
Slide 19: Supervielle
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Slide 20: Capital. Robust capitalization and ample liquidity
COMPANY PRESENTATION GRUPO a . . . . . . oy SUPERVIELLE Capital. Robust capitalization coupled with ample liquidity levels and healthy balance sheet BP 208usT CAPITALIZATION BBB 200M For CONTINUED BALANCE SHEET GROWTH Risk > 0-2.5% | 8.9%] | 8.7%] [13.9%] [19.6%] [17.0%] [114.19] fi03.894 | 92.4%] [
Slide 21: SUPV financial ratios
COMPANY PRESENTATION GRUPO a SUPERVIELLE J SUPV financial ratios wy: Interest Margin [NIM] | ame On Average Equity [ROAE] BP cicieny Ratio [%] oe 81.0 20.6 19.6 30.8 : 78.3 17.4 18.1 191 25.2 : a ' 745 741 78.3 76.2 B35 17.3 16.4 ° 227, : 675 633 2011 2012 2013 2014 2015 2016 2017 1Q18 2011 2012 201
Slide 22: Key Performance indicators SUPV vs Peers
GRUPO - SUPERVIELLE Key Performance indicators SUPV Peers [Figures in %]” Loan Growth (YoY)? Deposits Growth (YoY) Loans®/Assets (9M'17) Comprehensive Income Attributable to Owners of the Parent CompanyGrowth (YoY) NIM ROAE ROAA Efficiency NPL Coverage ratio CET 1/ Tier 1 Pro-forma Notes: Companies
Slide 23: Acquisitions: IOL
GRUPO - toa SUPERVIELLE j Acquisitions: lOL InvertirOnline is a world-class online trading platform, holding a top-five leading position in the Online Broker segment in Argentina, and a benchmark for the Fintech sector in the country 511,000 Registered Users +16,000 customers with holdings +10,000 c
Slide 24: Acquisitions: MILA
Acquisitions: MILA GRUPO a SUPERVIELLE MILA is the largest non-banking company in the car financing market and ranks third in the country. Car Financing Market OKM 50% of cars sold with financings + 80% of sales trough terminals and/or their respective financial companies 1.50% represents 7,000 car
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Slide 26: Grupo Supervielle
GRUPO | a SUPERVIELLE
Grupo Supervielle — Morgan Stanley Argentina Virtual Day 2018 on 6ix