Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Itaú Argentina Day in Sao Paulo (November 2025)
54 slides from Grupo Supervielle Sa Class B's conference presentation, Nov 17, 2025
Slide 1: November 2025
November 2025 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: Contents
Contents IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 3
Slide 4: IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 4
Slide 5: Looking Ahead: Recovery Path Strengthened by Solid Macroeconomic Anchors
Looking Ahead: Recovery Path Strengthened by Solid Macroeconomic Anchors cruro and Mid-Term Election Outcome, Setting the Stage for Structural Reforms Approval Ley de Mid-term elections ae fan ongoing strengthened Successful tax poner Guaiinn government's ACHIEVEMENTS amnesty +US$20 C uy ie position
Slide 6: The Argentine banking business has the potential for multiple years of growth
| The Argentine banking business has the potential for multiple years of growth rupo | De Under-developed Banking System Loans / GDP. Credit penetration across the region jource Morgan Stanley based on public information and company estimates. As of December 31, 2024 bse] fs) ta) tz] ia ie Source Mo
Slide 7: Source: BCRA Source: BCRA
Source: BCRA Source: BCRA 94,6% 85,2% 62,7% 54,3% 14,1% 22,2% 13,6% 15,7% 13,4% 12,5% 12,6% -2,6% 12,1% 11,2% 11,4% 10,8% -1,5% 10,4% -7,7% -5,7% -13,6% -18,7% 9,5% -21,5% 8,3% 7,8% 7
Slide 8: IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 8
Slide 9: Financial services
Financial services • • Household name and the oldest private franchise in the country • • The seventh largest Argentine private bank in terms of loans • Grupo Supervielle listed in NYSE and BYMA since 2016 • • • Placing the customer at the center of all we do • Implemented a deep cultural and digita
Slide 10: APIs, Bank integration, Investments
• APIs Bank • integration • • Investments • • as a Service • 10
Slide 11: Holding S.A. Agente de Valores
Holding S.A. Agente de Valores 11
Slide 12: Strategic Focus: Profitable Growth via Targeted Segments and Products
GRUPO a Strategic Focus: Profitable Growth via Targeted Segments and SUPERVIELLE Products Prioritization of Segments/Products: Prioritizing Targeted Industry - Client Clusters whe Customer-Centric *Qe & Tech Enabled @. ee. Industry), Eg Oil & Gas, Mining CY. Fast, Disruptive ek j ; “Strategic Moves
Slide 13: IOL's 2025 Outlook: Stable Macro Fueling Capital Markets
| IOL's 2025 Outlook: Stable Macro Fueling Capital Markets Driving grupo Dr Higher Volumes and Broader Participation oy . nO Retail Segment Ces SMBs & WM Segment * Growth in SMBs: 24-hour account opening + 24/7 liquidity solutions * One-stop shop for investments * Access to international investments
Slide 14: 2Q25 Results
GRUPO a SUPERVIELLE 2Q25 Results SUPV Earnings conference call presentation August 13, 2025 14
Slide 15: 2Q25 Highlights: Executing Amid a Transitional Macro Backdrop
GRUPO SUPERVIELLE Outperforming Loan Growth Ratios * Loan book +14% QoQ vs. 11.2% industry * NPL ratio of 2.7% following industry trend of growth higher delinquency in retail loans, In line with * Loans performance driven by 23% Corporate industry dynamics and consistent with credit loan growth norm
Slide 16: Continued Shift to Private-sector Loans from Treasury Notes
Continued Shift to Private-sector Loans from Treasury Notes, with LDR and Leverage Well-below Historical Levels Shift from Investment to Loan portfolio ( Ou GS [% of Assets] —— IRS Investment portfolio loane ee -28p.p. 425p.p. 50% 9 48% 45% iy 45% 36% 29% : I i U al i "(ee Deposits |_____ Leverage (
Slide 17: Scaling Innovation: Early results across our four strategic initiatives
Scaling Innovation: Early results across our four strategic initiatives BHC, Pre 1Q25 strategic initiatives results 20:05 First bank to have an official Integrated Gen Investment transactions online store hosted on Al-powered interactions via powered by IOL through Account saat | WD renpa the Bank's
Slide 18: • • • • • • • +10.3% +14.8% -33.7% -12.7% +4.2% +31.5% -40.2%
• • • • • • • +10.3% +14.8% -33.7% -12.7% +4.2% +31.5% -40.2% 18
Slide 19: Retail and commercial loans growth
Retail loans Commercial loans +2% QoQ +23% QoQ +130% YoY +37% YoY 19
Slide 20: NPL Ratio at 2.7%, Consistent with Industry & Historical Levels
NPL Ratio at 2.7%, Consistent with Industry & Historical Levels, Reflecting geupo Credit Normalization after Strong Growth in Retail Loans in SUPERVIELLE Previous Quarters ott NPL & Coverage Loan Loss NP LY © Ratio [%] Iaw ~ Provisions [%] 302,9% mmm Loan Loss 5,8% {e) Provisions, Net {in ARS milion
Slide 21: Total Funding +30% YoY, Driven by Deposits
Total Funding +30% YoY, Driven by Deposits and Growing Contribution crue l from Corporate Notes which Reached 6% of total funding SUPERVIELLE Funding AR$ Deposits Breakdown rs +29.6% +23.5% . 56.1% +0.9% 2,445 2,993 3,019 4,409 5,386 5714 Wholesale Funding Time Deposits Individuals and Savings ACUI
Slide 22: NIM Expanded to 21% Driven by Spread increases
NIM Expanded 160 bps QoQ to 21% Driven by Spread increases both in Client cruro and Market Related Portfolios SUPERVIELLE Net Financial Income NIM breakdown [AR$ Mill] -26.8% 160.2 +11.5% | 283,346 a 35,4 28 NFI } 185,970 207,379 - 20,1 2Q24 1Q25 2Q25 +14.8% | -65.2% 170.758 | 55.20 | —©—Loan Portfo
Slide 23: Revised 2025 Perspectives in an Election Year
Revised 2025 Perspectives in an Election Year; Transition Period Now cruro > Anticipated to Extend into 2026 wee *Loans expected to grow between 40-50% in real terms Loans oe - contingent on monetary policy & regulation B5,0% ‘i P ° y * Balanced mix between retail and corporate loans L ==e 42% «LDR
Slide 24: Revised 2025 Perspectives in an Election Year
Revised 2025 Perspectives in an Election Year; Transition Period Now = cruro > Anticipated to Extend into 2026 sbrenvienté + Bank net fees expected to grow on higher income and lower expenses * Asset Management fees anticipated to follow growth in AUMs * Insurance performance improving on higher cus
Slide 25: Annex I: 2Q25 Supplementary Financial Information & Ratios
GRUPO a SUPERVIELLE Annex I: 2Q25 Supplementary Financial Information & Ratios
Slide 26: Commercial and retail loan growth
• Commercial loans +23% QoQ & 37% YoY • Retail loans +2% QoQ & 130% YoY 26
Slide 27: Disciplined Loan Origination
| Disciplined Loan Origination gue, > Loans to payroll and pension clients/ total loans to tndhviidwells Collateralized commercial loan portfolio € Personal loans granted to payroll and Collateralized non-performin 88%) > : p ig 0 (0%) pension customers commercial loan portfolio < (66% 58% ) > Credi
Slide 28: Atomized and Diversified Loan Portfolio within Company Limits
Atomized and Diversified Loan Portfolio within Company cruro Portfolio Limits Loans breakdown by 2Q25 1Q25 2Q24 Business Sector Share Share Share Families and individuals 43.8% 47.9% 30.6% Agribusiness 8.0% 77% 9.8% Food & Beverages 5.6% 5.7% 71% Utilities 3.4% 3.6% 74% Transport 3.3% 3.0% 1.8% IT &
Slide 29: Market share gains in US$ Deposits
76% 73% 84% • 110 bps YoY Market share gains in US$ Deposits 24% 27% 16% 29
Slide 30: Net Revenues and Expenses
Net Revenues 1 Expenses 2 2Q25 2Q25 Q oQ +1.9% Q oQ +4.2% YoY -21.7% YoY -5.8% 1H25 1H25 YoY -40.9% YoY -11.4% 30 30
Slide 31: Net Fee Income Up 17% in 1H25
! Net Fee Income Up 17% in 1H25, Despite Lower Brokerage and Grupo J Lagging Repricing in 2Q25; Insurance +33% YoY in 1H25 SUPERVIEILE Net Service Fee Income ex insurance [AR$ Mill,] 2,0% 0,0% 0,3% Non-financial services - 5 +5,7% +17.2% -12.5% Asset Management Other bank fees a7 028 77.085 39.867 4
Slide 32: 2Q25 Net Income Up 62% QoQ to AR$13.9 billion
2Q25 Net Income Up 62% QoQ to AR$13.9 billion with ROAE at 6%; NFI Growth & Cost Grupo JP Savings, Partially Offset Higher LLPs and Lower Fees SUPERVIELLE Profit Before Income Tax i 23.804 100.621 moa 32439 gays 13.604 2.019 43.065 13.316 26.051 10.797. 13.702 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25 2024
Slide 33: Capitalization with CET Ratio at 13.9%
GRUPO a | 2025 Performance - Capitalization with CET 1 Ratio at 13.9% See e VIELE supports loan expansion * RWA growth above * Higher ° Profit inflation deductions on capitalization ECL and deferred tax 16.7% -0.4 If adopting Basel III for 1.2 operational risk capital moons ———< - +0.2 (like systemi
Slide 34: Income Statement & Balance Sheet
Income Statement & Balance Sheet SUPERVIELLE In millions of Ps, stated in terms of the measuring unit current at the end of the reporting period 2Q25 1Q25 4Q24 3Q24 2Q24 QoQ YoY Net Interest Income 191,273 157,291 165,237 171,198 232,939 21.6% = -17.9% NIFFI & Exchange Rate Differences 16,106 28,679
Slide 35: Key Indicators
Key Indicators 2Q25 1Q25 4Q24 3Q24 2Q24 1H25 1H24 ROAE 5.8% 3.5% 13.9% 48% 10.4% 47% 22.1% ROAA 1.0% 0.6% 2.6% 1.0% 2.3% 0.8% 48% Beetability Net interest Margin 5.3% 19.2% 249% «24.7% +~«=—« 36.3% += «19.9% + -48.6% & efficiency (NIM) Net Fee Income Ratio 19.4% 23.5% 21.2% 22.5% 14.0% 214% 10.3% Co
Slide 36: Key Indicators
Key Indicators Macro 2Q25 1Q25 4Q24 3Q24 2Q24 Retail Price Index (%)- QoQ 6.0% 8.5% 8.0% 121% 18.6% Retail Price Index (%) - YoY 39.4% 55.9% 117.8% 209.0% 271.5% UVA (var) 8.7% 72% 10.2% 13.2% 32.6% Pesos/US$ Exchange Rate 1,194.08 1,073.88 1,032.50 970.92 91.75 Tamar (eop) 33.63% 32.06% 34.25% Tama
Slide 37: Annex II: Industry Outlook and Supplementary Information
GRUPO a SUPERVIELLE Annex II: Industry Outlook and Supplementary Information
Slide 38: Financial Sector Loans Accelerating Since 2Q24
Financial Sector Loans Accelerating Since 2Q24 grupo De Loans to Private Sector [AR$ Bn, in real terms] | | 462.7% | 1 3Q24 4Q24 1Q25 2Q25 3Q25* * 3Q25: Estimated figures AR$ Loans Lin AR$ Bn, in erms | [ +46.3% | [ +151.0% | , 3Q24 4Q24 1Q25 2Q25 3Q25" 3Q24 4Q24 1Q25 2Q25 3Q25 * 3Q25: Estimated fig
Slide 39: Financial Sector AR$ Deposits Expanding Below Loan Growth
Financial Sector AR$ Deposits Expanding Below Loan Growth; US$ Deposits Grupo J i i SUPERVIELLE continue growing Private Sector Deposits [AR$ Bn, in Real terms] [ +16.9% | | : an BB ee | vere) Bf ee a 3024 4Q24 1025 2025 3025 AR$ Deposits [in AR$ Bn, in Real terms] (417.5% } | { 48.1% } 9 4. ms i. o
Slide 40: Banking market share rankings
Banco Nación 57,184,368 22.7% Banco Nación 20,949,128 19.7% Banco Nación 37,082,154 22.6% Banco Galicia 30,157,714 12.0% Banco Galicia 14,049,825 13.2% Banco Galicia 19,942,132 12.1% Santander 22,602,115 9.0% Santander 10,866,888 10.2% Santander 16,181,951 9.8% BBVA 18,876,776 7.5% BBVA 10,471,273 9
Slide 41: Regulatory Environment in Argentina
Regulatory Environment in Argentina GRUPO y SUPERVIELLE 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, Regulati Descripti Time Deposits m
Slide 42: Reserve requirements: government-issued debt securities
Some exceptions in government-issued debt securities 28.5% in Treasury Notes 53.5% (35% in cash, 18.5% in eligible Treasury notes) 48.5% (40% in cash, 8.5% in eligible Treasury notes) 100% (45% set up in eligible Treasury notes) 25% Apply certain deductions to AR$ reserve requirements if financing S
Slide 43: Minimum cash reserve requirements
Minimum cash reserve requirements AR$ Checking & Savings Accounts (excluding mutual funds deposits) 8% set up in 53.5% GRUPO a SUPERVIELLE 59% set up in 9% set up in 5 48.5% treasury bonds treasury bonds +5pp treasurybonds +3 5pp PP 45% 45% 50% 2023 jun 25 aug 25 sep 25 Nov 28, 2025 . 5% set up in 5
Slide 44: Annex III: Macroeconomic environment
GRUPO a SUPERVIELLE Annex III: Macroeconomic environment 44
Slide 45: Sharp Decline in Inflation Levels
25 20 15 10 Sharp Decline in Inflation Levels hly Inflation [Y 289,4 mmm VioM —YoY re) jul-22 oct-22 ene-23 abr-23 jul-23 oct-23 ene-24 abr-24 jul-24 oct-24 ene-2: Source Indec, Central Bank Market expectations survey as of October 2025 litt 4 =I abr-25 350 300 250 200 150 100 31,3, 50 23 I, oct-2.
Slide 46: Interest Rates: From Steady Decline to Temporary Pre-Election Volatility
FOL >interestratest96) rates [%] Interest Rates: From Steady Decline to Temporary Pre-Election Volatility cruro 3Q25 (avg): Badlar: 42.83 gf 0638 66,00 Tamar: 45.73 3024 - 4Q24 (avg): 1Q25 (avg): 2Q25 (avg): eee Badlar: 36.7 Badlar: 29.9 Badlar: 32.7 Monetary policy: 40 Tamar: 39.1 Tamar: 31.4 Tamar
Slide 47: Monetary Base Growth Decelerates, FX Reserves Bolstered by IMF Agreement
| Monetary Base Growth Decelerates, FX Reserves Bolstered by IMF Agreement cruro Monetary base evolutio! CARS Bn, %] QO2 >FX reserves [US$] As of September 25: 309% 5% of GDP 0.49. 41.437.306 63% 24.221 9 1 un tn Lo Lo in Ln in in o eo » * LAA as VSSVA IG Ie cs saga y ¥ f wo Lvooes coax stooge tr Ex
Slide 48: Economic Activity Sustains High Levels
Economic Activity Sustains High Levels, Even Amid Short-Term MoM Swings cruro 01 Monthly Economic indicator. 02 Monthly Economic indicator. Index, YoY Growth Seasonally adjusted series. MoM Growth 180,0 40,0 15,0 160,0 151,4 30,0 10,0, Bao 140,0 20,0 5,0 140,0 | 130,0 10,0 0,0 stds Hl ply al My. ae
Slide 49: Consumer confidence Index
. GRUPO a Consumer confidence Index SUPERVIELLE }O1 >Consumerconfdenceindex | > Consumer confidence Index 35 102,1% 3 2,86 25 2,45 2,10 2 194 15 1 118% 12,2% 99 58% 7:1%6,6% : . 69% 89% 50% 49% 81% 1% 05% 9 fe oo oy tt | | os = ry = _ —, = = 1 i | ry Bix | 05% oy, -21% 9 -0.3% 904,808 er 1] 81% -91%
Slide 50: Unemployment Rises Recently but Remains Low
GRUPO a SUPERVIELLE ian Unemployment Rises Recently but Remains Low by Historical Standards employment [%] mi Source Indec 1 50 m= Unemployment
Slide 51: Fiscal Balance
Fiscal Balance 51 Fuente: Own estimates based on Ministry of Finance information
Slide 52: Annex IV: ESG Commitment
GRUPO a SUPERVIELLE Annex IV: ESG Commitment
Slide 53: ESG Strategy & Sustainable Growth
ESG Strategy & Sustainable Growt GRUPO a nN SUPERVIELLE OUR COMMITMENTS OUR FOCUS AREAS @ Sustainable growth—protection of the environment and pursuance of our business strategy in a socially responsible manner @ Good governance practices, diversity and inclusion are key factors B® Integration of ES
Slide 54: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
Grupo Supervielle — Itaú Argentina Day in Sao Paulo (November 2025) on 6ix