Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q4 2019 Earnings Presentation
18 slides from Grupo Supervielle Sa Class B's earnings presentation, Feb 20, 2020
Slide 1: Conference Call
Conference Call
Slide 2: Disclaimer
GRUPO a SUPERVIELLE fb Disclatuer
Slide 3: Fourth Quarter 2019 Results Highlights
FOURTH QUARTER 2019 RESULTS HIGHLIGHTS GRUPO > SUPERVIELLE Delivered improved results amidst volatile and challenging environment Net Financial Income up 45.1% QoQ with NIM at 28.6% benefiting from lower cost of funding and AR$ 1.1 B gain from price improvement in AR government re-profiled securitie
Slide 4: Growth Rates, Reserves and FX Blue Chip Swap Rate
Growth [%] & Rates Reserves [BN] FX Blue Chip Swap Rate 3
Slide 5: [AR$ Bill.] [Original Currency]
[AR$ Bill.] [Original Currency] [in AR$ Bn.] [in US$ Bn.] 4
Slide 6: [AR$ Bill.] [Original Currency]
[AR$ Bill.] [Original Currency] [in AR$ Bn.] [in US$ Bn.] 5
Slide 7: [AR$ Mill.] 1) [AR$ Mill.] 1)
[AR$ Mill.]1) [%] [AR$ Mill.]1) 6
Slide 8: Corporate and Retail Portfolio Breakdown
[AR$ Mill]1) [AR$ Mill]1) [AR$ Mill]1) Corporate Portfolio breakdown2) • Retail Portfolio • breakdown • 7
Slide 9: Funding & Deposit Base
FUNDING & DEPOSIT BASE GRUPO > SUPERVIELLE Core retail and corporate peso deposits up 8.7% QoQ, while decision to deleverage balance sheet reducing institutional funding drove a 12.8% sequential drop in total deposits Funding (ARS Mi] {+1.7% } 615.694 +-0.8%) (-3.2%) (-9.8%) 135,054 156,058 —157,356
Slide 10: Net Financial Income (NFI) & NIM
NET FINANCIAL INCOME (NFL) & NIM cxuro SUPERVIELLE NIM at 28.6% benefiting from lower cost of funding and AR$ 1.1 B gain from price improvement in AR government re-profiled securities. Comparable NIM at 24.5%, up 40 bps QoQ Net Financial Income /ARs Mi] NIM [%/ {45.6%} (47.9% {45.6%} 9%) 4Qig 1018 ~
Slide 11: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%]1) 10
Slide 12: Evolution Delinquency Ratio
Evolution Delinquency Ratio • • • 11
Slide 13: Asset Quality Consumer Finance
ASSET QUALITY CONSUMER FINANCE cero SUPERVIELLE Consumer finance loans continued to post lower NPL creation reflecting prudent approach to asset quality Consumer Finance - NPL Creation (ARS i] 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 2017 2018 2019 NPL creation down 7.3% QoQ and 76.2% Yov, reflecting earlier c
Slide 14: Administrative Expenses & Efficiency Ratio
ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO crurpo > SUPERVIELLE Efficiency ratio of 71.3% mainly reflecting AR$785 M in non-recurring personnel expenses. Comparable efficiency ratio improved to 61.8% Personnel and Administrative Expenses, D&A & Efficiency Ratio ARS Mi] {+60.1%} | peste 18,843.5 _ 12
Slide 15: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%] [%] 14
Slide 16: Capitalization
CAPITALIZATION GRUPO > SUPERVIELLE Common Equity Tier 1 Ratio (Consolidated Proforma) of 11.4% in 4Q19, and would have reached 12.1% if adjusting for inflation as per rule IFRS29 effective January 2020 Capital Deployment (Tier / Ratio %}”’ 0.6 (0.1) a _——x Ss = - co) a (0.2) 11.8 TIER1 Capital Capit
Slide 17: Overview: Inflation Improving, Strategic Initiatives on Track
Overview • • • Inflation Improving • • Strategic Initiatives on Track • • • • • Well positioned • 16
Slide 18: Thank You!
Thank You!