Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q2 2020 Earnings Presentation
36 slides from Grupo Supervielle Sa Class B's earnings presentation, Oct 13, 2020
Slide 1: Presentation
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Slide 2: Disclaimer
GRUPO a SUPERVIELLE Lb
Slide 3: Contents
GRUPO YP SUPERVIELLE =e t= SUPV Presentation S Ss 2Q20 Performance = Support Material
Slide 4: SUPV Presentation
GRUPO YP SUPERVIELLE =n. Ee SUPV Presentation
Slide 5: Financial services
Financial services • • • • • • • • 4
Slide 6: Customer-centric financial services platform with high growth potential
GRUPO a SUPERVIELLE We area CUSTOMER CENTRIC Fixaucial services platform with high growth potential once the economy rebounds Track Record for GROWTH in Argentina * Loan Market Share increased 25x to 5% since 2002 7 Presence in Argentina's major regions and most [%] o Oo populated cities, with 302 a
Slide 7: Our digital transformation journey
OUR DIGITAL TRANSFORMATION JOURNEY GRUPO a SUPERVIELLE FOCUS on profitability & growth, our business model and transforming SUPERVIELLE for success in a digital world BANKING BUSINESS CONSUMER FINANCE Transformation Committee h 1) Chat Bot Walmart App nz +118k in July] o@retemrer Experiences 22 Last
Slide 8: Grupo Supervielle Ecosystem
GRUPO SUPERVIELLE ECOSYSTEM GRUPO a SUPERVIELLE PAYMENTS FINANCIAL SERVICES INSURANCE wt oy Payment surmndt: CB coriat| Private at Thoans —|5% Market 1235EGURO 500K UG PASS facilitator Bank £4 §theposits | 4% share » GWP INCREASE —avancargoR SUFERVIELLE @ 07, Blended _ Servicios Qo 1.6MM Panik > Mar
Slide 9: 2Q20 Performance
GRUPO YP SUPERVIELLE =n. fe) (e) 2Q20 Performance
Slide 10: Long-term sustainability strengthened with COVID-19 mitigating initiatives
GRUPO a SUPERVIELLE Long-term sustainability strengthened with prompt implementation of COVID-19 mitigating initiatives, high liquidity and comfortable capitalization + Protect well-being of employees & customers + Deliver higher profitability 04 * Strong cost controls maintaining efficiency 01 * Pr
Slide 11: Strong commitment to customers & community
STRONG COMMITMENT TO CUSTOMERS & COMMUNITY =a —7 Support through different Lending programs Assisting in the Fight Against COVID-19 *AR$ 7.1 billion in new Loans granted to eG SMEs and middle market companies IRS *AR$ 264 million in Zero interest rate VY financing — r—, 136 k persons receiving IFE s
Slide 12: Digital transformation & accelerated adoption
DIGITAL TRANSFORMATION & ACCELERATED ADOPTION cruro > SUPERVIELLE int BANKING BUSINES \ ~ Participation [%] ECHEQ issuance” E-Factoring” Time Deposits” | 2 2Q-2020 vs 19-2020 *Exponential growth + Increased 70% of total ean Fj p gi h of tota ED cashier > 468% reaching Ar$4.B volume through digital o
Slide 13: Increase in digital indicators (Feb/Jul 2020)
INCREASE IN DIGITAL INDICATORS! [FEB/JUL 2020] cruro > SUPERVIELLE NSTITUTIONAL Website PERSONAL Online Banking PERSONAL Mobile Banking SENIOR CITIZENS “Fe de Vida" App CORPORATE Online Banking | 12 1 Visits
Slide 14: Second quarter 2020 results highlights
SECOND QUARTER 2020 RESULTS HIGHLIGHTS GRUPO a SUPERVIELLE MARGIN ASSET QUALITY PROFITABILITY EXPENSES + Net Financial Income 16.2% QoQ * Loan Loss Provisions 36.1% QoQ * Reported Pre-Tax income » Expenses A 6.0% sequentially oe oe to AR$2.3 Bn A277% YoY ~ ~ pone + Net Interest Margin @ +73 bps main
Slide 15: Challenging macro further impacted by COVID-19
CHALLENGING MACRO FURTHER IMPACTED BY COVID-19 Covid-19 drives sharp drop in industrial production, with some economic indicators hinting at a possible rebound ... Economic Indicator (MoM var) 170 | ——Industrial Production 120 70 Jan-16 Sep-16 lay-T7 Jan-18. Sep-18 May-19 Jan-20 Source Indec. Base 2
Slide 16: Loans (AR$ billions, breakdown by currency)
[AR$ Bill. in Nominal terms] [Breakdown by Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 15
Slide 17: Deposits (AR$ billions, breakdown by currency)
[AR$ Bill. in Nominal terms] [Breakdown by Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 16
Slide 18: Loan portfolio (AR$ millions)
[AR$ Mill.]1) [%] [AR$ Mill, in Original Currency]1) 17
Slide 19: Portfolio breakdown: corporate, personal & business
[AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal & Business Portfolio breakdown 18
Slide 20: Funding & liquidity
FUNDING & LIQUIDITY Grupo D> SUPERVIELLE Strong liquidity strengthens capital base to navigate complex and rapidly changing environment. Total deposits up 10.8% QoQ Funding (ARs Mi] Liquidity /%/ | 6.3% 1 Jun 19 Sep 19 Dec19 Mar20 = Jun20 14.8% 18.6% +24.0% +9.0% 229,449 195,489 159,084 197,296 215,
Slide 21: Breakdown by customer and by product
Breakdown [%] By Customer By Product AVG [AR$] BALANCE EOP 20
Slide 22: Net financial income (NFI) & NIM
NET FINANCIAL INCOME (NFI) & NIM GRUPO a SUPERVIELLE NFl up 16% QoQ & NIM up 70 bps on asset growth, taking advantage of higher spreads, lower reserve requirements & a better AR$ investment portfolio mix Net Financial Income /4RS Mi] { -5.3% } 9,616.0 7,054.6 [ts20— rt 8.4%} 9,108.5 7,840.3 9,109.9
Slide 23: Fee and insurance income (AR$ millions)
[AR$ Mill.] [AR$ Mill.] [%]1) 22
Slide 24: Loan loss provisions, cost of risk and NPL evolution
GRUPO a SUPERVIELLE CoR and LLPs up QoQ reflecting AR$ 560 M in Covid-19 provisions, provisioning ratio of 7.7% while NPL ratio benefited from improvements across segments even ex-regulatory easing. Coverage up to 127.1% Loan Loss Provisions Evodutiou Coverage 107.7 86.1 83.0 99.6 1271 : ratio [%] 9
Slide 25: Supervielle loans - risk management
SUPERVIELLE LOANS- RISK MANAGEMENT Loans breakdown by industry? /%/ Families and individuals 42,2 Agribusiness Food & Beverages Civil Construction Utilities Oil, Gas & Mining Financial Wine Automobile Retailer Chemicals & plastics Transport Textile Machinery & Equipment Sugar Others + Well Diversifi
Slide 26: Administrative expenses & efficiency ratio
ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO cruro > SUPERVIELLE Efficiency ratio of 61.9%, improved 230 bps QoQ despite Covid-19 expenses and acceleration of the digital transformation process Personnel and Administrative Expenses, D&A & Efficiency Ratio (Ars Mi] { -4.9% } | > —{-3.6%} con 8840.0 6,3
Slide 27: Profitability (AR$ millions)
[AR$ Mill.] [AR$ Mill.] [%] [%] 26
Slide 28: Capitalization
CAPITALIZATION crupo > SUPERVIELLE Tier 1 Ratio of 13.4% up 10 bps QoQ in 2Q20 benefitting from Central Bank regulatory easing on provisions and further impact of |AS29 Capital Deployment [Tia / Ratio %]”” 5 0.4% — 09% i De Mar 20 2Q20 Expected loss Net Result RWA Other Jun 20 Inflation regulatory A
Slide 29: Loans, deposits, asset quality, NIM, expenses, fee income, capital
Loans Deposits Asset Quality NIM Operating Expenses Fee Income Capital & Liquidity 28
Slide 30: Support Material
GRUPO YP SUPERVIELLE =n. Ee Support Material
Slide 31: Income statement & balance sheet
INCOME STATEMENT & BALANCE SHEET In millions of Ps. stated in terms of the measuring unit current al Income Statement e reporting period oT ZQ20 1Q20 4Q19 3Q19 2Q19 Q0Q YoY Net Interest Income 8,102.4 7,407.9 5,166.9 2,036.6 2,019.7 9.4% 301.2% NIFF| & Exchange Rate Differences 1,007.4 432.4 3,941.6
Slide 32: Key indicators
KEY INDICATORS Profitability & Efficiency 7 2020 1920 4Q19 3019 2019 ROA 14.4% 77% 6.9% -36.2% 12.9% ROAy 2.0% 1.0% -0.9% 4.2% 14% Net Interest Margin (NIM: 23.5% 22.8% 28.8% 17.4% 22.0% Net Fee Income Rati 18.1% 21.7% 17.6% 23.3% 18.5% Cost / Asset: 12.5% 12.3% 16.1% 11.5% nN4% Efficiency Rati 61.9
Slide 33: Key indicators (macro and operating data)
KEY INDICATORS In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Profitability & Efficiency Retail Price Index (%)¢] Avg. Retail Price Index (% UVA (van)| Pesos/US$ Exchange Rate Badlar Interest Rate (eop)| Badlar Interest Rate (avg) Monetary Policy
Slide 34: Income statement & balance sheet (managerial information)
INCOME STATEMENT & BALANCE SHEET Managerial Information Non-restated figures - In millions of Argentine Ps Income Statement Net Interest Income NIFFI & Exchange Rate Differences Net Financial Income Net Service Fee Incomel) Income from Insurance activities Loan Loss Provisions Personnel & Administra
Slide 35: Key indicators (non-restated figures)
KEY INDICAT! Non-restated figures - In millions of Argentine Ps. Profitability - 2Q20 1Q20 4Q19 3Q19 2Q19 ROAI 32,4% 26,4% 28,4% 62% 422% ROAv 37% 3.5% 3,7% 0,7% 47% GRUPO a SUPERVIELLE
Slide 36: Thank You!
la SUPERVIELLE Thauk You! Company PRESENTATION October 13-14, 2020