Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q3 2020 Earnings Presentation
28 slides from Grupo Supervielle Sa Class B's earnings presentation, Nov 20, 2020
Slide 1: Conference Call
Conference Call
Slide 2: Disclaimer
GRUPO a SUPERVIELLE Lb
Slide 3: Double digit ROAE, while increasing coverage and strengthening capital base
GRUPO a SUPERVIELLE Double digit ROAE, while increasing coverage and strengthening capital base Higher Badlar rate reduced spreads 7 ‘alae eco ccrict $s55535 and negatively impacted NIM | lespite Covid-19 restrictions, <7 A . 01 eceectenERy BECO! Ou QA | -Regulatory controls drive lower Fees o~U *St
Slide 4: Sustained progress on digital adoption
USTAINED PROGRESS ON DIGITAL ADOPTION GRUPO a SUPERVIELLE BANKING BUSINES \ Monetary Transactions - Participation [%] ECHEQ issuance” E-Factoring” Time Deposits” ey : *Exponential growth + Increased *76% of total EQ cashier reaching Ar$ 7 B volume through digital ome Banking in ECHEQs issued channel
Slide 5: Evolving our branch network
our branch network Amel SMEs Expand services to SMEs in Expanding areas dedicated to selected branches self service with some branches 100% automatic QO % @ : nor im = Shorter transaction Migration to Better use of times and digital channels available space enhanced CX Leveraging accelerated adoptio
Slide 6: Grupo Supervielle strategic initiatives (cont.)
GRUPO SUPERVIELLE STRATEGIC INITIATIVES [CONT.] cruro > SUPERVIELLE Launched IUDU, a new services platform transforming our consumer finance busines Gy IUDU's Goals ) =O" * The most complete range of digital + Personal Loans, + AR$ Remunerated accounts, I banking services offering a comprehensive Cr
Slide 7: Challenging macro further impacted by Covid-19
CHALLENGING MACRO FURTHER IMPACTED BY COVID-19 Government showing signals of fiscal restraint for 2021 Activity has continued to rebound from the sharp slump in March-April... —Economic Indicator (MoM var) 170 —— Industrial Production —_ 120 mvs 70 Jan-16 Sep-16 May-17 Jan-18 Sep-18 May-19 Jan-20. S
Slide 8: Loan portfolio breakdown
[AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal Personal $ Business $ Business Portfolio Portfolio Commercial Retail 8
Slide 9: Deposits
| o SUPERVIELLE DEPOSITS Grupo D> SUPERVIELLE Despite decline in deposits at quarter-end, average balances of AR$ deposits increased 10% QoQ and 41% YoY Funding ARs Mil] Deposits (Mi, %] ; - » Average Deposit ; 6.1% AR$ Mill Growth 18.8% — +242% ©—-+9.0% += -3.5% (+43.7% ] 440.5% (+AR$.41.5Bn) ; YoY
Slide 10: Net financial income (NFI) & NIM
J 10 NET FINANCIAL INCOME (NFI) & NIM spreads, partially offset by higher Central Bank securities volumes. Net Financial Income /4RS Mi] { 31.1% } pte 3Q19 4Q19 1Q20 2Q20 m NII (1,2) mNIFFI & Exchange Rate Differences (1,2) mNet Financial Income YTD Interest Spread/%.] 8% rm 7,542.3 9,863.7 8,440.5
Slide 11: Asset quality: loan loss provisions evolution
GRUPO a SUPERVIELLE NPL ratio down to 4.5%, Coverage up to 181.3% and provisioning ratio up to 8.1%. 3Q20 LLPs include AR$ 1.0 Bn in Covid-19 specific provisions Loan Loss Provisions Evolution Provisioning Ratio on Total Portfolio /%/ 8 Coverage 101 1,2 ratio [%] 72 } 3Q19, 4Q19.--1Q20.--2Q20. —-3Q2
Slide 12: Loans - risk management
SUPERVIELLE LOANS- RISK MANAGEMENT Loans breakdown by industry? /%/ Families and individuals Agribusiness Food & Beverages Construction & Public works Wine Utilities Financial Oil, Gas & Mining Retailer Chemicals & plastics Automobile Transport Machinery & Equipment Others msep-20 mjun-20 + Well Div
Slide 13: Loans, Deposits, Asset Quality, NIM, Expenses, Fees, Capital & Liquidity
Loans Deposits Asset Quality NIM Operating Expenses Fee Income Capital & Liquidity 13
Slide 14: Q&A
GRUPO YP SUPERVIELLE =f. Q&A
Slide 15: Support Material
GRUPO YP SUPERVIELLE =n. Ee Support Material
Slide 16: Funding and loans data
[AR$ Bill. in Nominal terms] [Original Currency] [in US$ Bn.] [in AR$ Bn. in Original Currency] 16
Slide 17: Funding and loans data
[AR$ Bill. in Nominal terms] [Original Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 17
Slide 18: [AR$ Mill.] 1) [Mill, in Original Currency] 1)
[AR$ Mill.]1) [%] [Mill, in Original Currency]1) 18
Slide 19: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%] [%] 19
Slide 20: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%]1) 20
Slide 21: Administrative expenses & efficiency ratio
ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO Grupo > SUPERVIELLE Strict cost controls contributed to a 90 bps QoQ improvement in the Efficiency ratio reaching 61.0% in 3Q20 Personnel and Administrative, Expenses, D&A & Efficiency Ratio (ARs Mi] { 66% } | pt-0.4%}- 6,519.5 8,353.4 6,616.3 6,999.8 6,947
Slide 22: Capitalization
CAPITALIZATION crupo > SUPERVIELLE Tier 1 Ratio of 14%, up 60 bps QoQ benefitting from Central Bank regulatory easing on provisions and further impact of IAS29 Capital Deployment (Tia / Ratio %]”” 04% 12% ee — Pe ee 0,7% 0.4% — Jun 20 3Q20 Expected loss Net Result RWA Deductions Others Sep 20 Inflat
Slide 23: Income statement & balance sheet
INCOME STATEMENT & BALANCE SHEET In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Income Statement 3020 2020 1920 4Qi9 3Q19 Q0Q YoY Net Interest Income 8,389,4 8.722,7 7.975,0 5.627,7 2.132,9 -3,8% 293,3% NIFF| & Exchange Rate Differences 1.497,8 1.
Slide 24: Key indicators
KEY INDICATORS Profitability & Efficiency 7 3Q20 2020 1920 4Q19 3019 ROA 71.0% 144% 7.1% -9,6% -33,6% ROA) 1.4% 2,0% 1,0% 13% -3,9% Net Interest Margin (NIM: 21,2% 235% 22,8% 29,0% 17,3% Net Fee Income Rati 17,3% 18,1% 21,7% 17,7% 23,2% Cost / Asset: 115% 12,5% 12,3% 16,8% 110% Efficiency Rati 61,0%
Slide 25: Key indicators
KEY INDICATORS In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Profitability & Eff Retail Price Index (%) Avg. Retail Price Index (% UVA (van)| Pesos/US$ Exchange Rate Badlar Interest Rate (eop)| Badlar Interest Rate (avg) Monetary Policy Rate (eop
Slide 26: Income statement & balance sheet
J 2 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 Income!) Income from Insurance activities Loan Loss Provisions Personnel & Admin
Slide 27: Key indicators
KEY INDICAT! Non-restated figures - In millions of Argentine Ps. Profitability ee 3Q20 2Q20 1920 4Q19 3Q19 ROAI 29,9% 32,4% 26,4% 28,4% 62% ROAv 3,4% 3,7% 3,5% 37% 0,7% GRUPO a SUPERVIELLE
Slide 28: Thank You!
la SUPERVIELLE