Grupo Supervielle Sa Class B · BCBA:SUPV

Grupo Supervielle Sa Class B — LarrainVial 14th Annual Andean & Southern Cone e-Conference (August 2020)

39 slides from Grupo Supervielle Sa Class B's conference presentation, Aug 31, 2020

  1. Slide 1: Presentation

    Presentation 0

  2. Slide 2: Disclaimer

    GRUPO a SUPERVIELLE fS Disclatuer

  3. Slide 3: Contents

    GRUPO a SUPERVIELLE i= SUPV Presentation ©) (2) S ‘Ss 2Q20 Performance =| Support \Viaterial

  4. Slide 4: SUPV Presentation

    GRUPO a SUPERVIELLE TTY SUPV Prestutatiou

  5. Slide 5: Why Strong Growth

    Why [%] Strong Growth: • Healthy Implementing Branding Organization • • • • 4

  6. Slide 6: Network

    • • • • • • • • − • − • − [US$ Mill.] • • • − • Network − 5

  7. Slide 7: Our digital transformation journey

    Our digital transformation journey crupo > SUPERVIELLE Evolving our Business Model and Transforming SUPERVIELLE for success in a digital world Transform the Core to drive CX FOCUS ON PROFITABILITY & GROWTH VU Develop wh Digital TZ > Attackers Build an Ecosystem | 1) Mica is an internal name of our c

  8. Slide 8: Creating the Supervielle ecosystem

    Creating the Supervielle ecosystem GRUPO > SUPERVIELLE That anticipate and address our customer's diverse needs developing positive emotional engagements FINANCING * Supervielle Distribution Channels surtrviene * Partnerships Walmart >!< CARTA INCREASE avancargo® E-WALLET Blended smut \ INSURANCE SO

  9. Slide 9: COVID-19 mitigating initiatives and long-term sustainability

    GRUPO > 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

  10. Slide 10: Strong Commitment to Customers & Community

    Strong Commitment to Customers & Community Support through different Lending programs Assisting in the Fight Against COVID-19 ° AR$ 7.1 billion in new Loans granted to SMEs and middle market companies *AR$ 264 million in Zero interest rate financing *AR$ 3 billion in Automatic rescheduling on unpaid

  11. Slide 11: Supervielle COVID-19 Mitigation Action Plan

    Supervielle COVID-19 Mitigation Action Plan cruvo SUPERVIELLE Agile strategy execution focused on three key pillars with the goals of protecting our people and customers and accelerating digitalization in a low touch economy * COVID-19 Protocols * Focus on clients’ needs and * Stricter sanitation pr

  12. Slide 12: Digital Transformation & Accelerated Adoption

    Digital Transformation & Accelerated Adoption GRUPO > SUPERVIELLE f | TIT BANKING BUSINES \ Participation [%] ) ECHEQ issuance” €-Factoring” Time Deposits” - 2Q-2020 vs 19-2020 0 F . Cashier —— Exponential growth Increased °70% of total ¥68% reaching Ar$ 4B volume through digital [ & || Home Banking

  13. Slide 13: Increase in Digital Indicators

    Increase in Digital Indicators! [Feb/Jul 2020] cruro SUPERVIELLE INSTITUTIONAL Website PERSONAL Online Banking PERSONAL Mobile Banking SENIOR CITIZENS “Fe de Vida" App CONSUMER FINANCE Application Geers eal || |* a | Visits

  14. Slide 14: Loans, Deposits, Asset Quality, NIM

    Loans Deposits Asset Quality NIM Operating Expenses Fee Income Capital & Liquidity 13

  15. Slide 15: Performance

    Performance 14

  16. Slide 16: Second quarter 2020 results highlights

    Second quarter 2020 results highlights crurpo SUPERVIELLE MARGIN ASSET QUALITY PROFITABILITY EXPENSES * Net Financial Income 16.2% QoQ *LoanLoss Provisions #36.1%Qo0Q _ ° Reported Pre-Tax income ° Expenses A 6.0% sequentially Bo to AR$2.3 Bn & 27.7% YoY A 41% QoQ explained by: + + Net Interest Margi

  17. Slide 17: Challenging Macro Impacted by COVID-19

    Challenging Macro Fur 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 Source Indec. Base 2004. Source: Indec, REM BCRA July 2020 .. putting pressure on expected infl

  18. Slide 18: Loans (AR$ Bill. in Nominal terms)

    [AR$ Bill. in Nominal terms] [Original Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 17

  19. Slide 19: Deposits (AR$ Bill. in Nominal terms)

    [AR$ Bill. in Nominal terms] [Original Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 18

  20. Slide 20: Loan portfolio (AR$ Mill.)

    [AR$ Mill.]1) [%] [AR$ Mill, in Original Currency]1) 19

  21. Slide 21: Portfolio breakdown: Corporate, Personal & Business

    [AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal & Business Portfolio breakdown 20

  22. Slide 22: Funding & Liquidity

    Funding & Liquidity cruro J SUPERVIELLE Strong liquidity strengthens capital base to navigate complex and rapidly changing environment. Total deposits up 10.8% QoQ Funding (Ars MZ] Liquidity /%/ Jun 19 Sep 19 Dec19 Mar20 Jun20 14.8% 18.6% +24.0% +9.0% 229,449 195,489 159,084 197,296 215,072 aa FE 1

  23. Slide 23: Breakdown by Customer and Product

    Breakdown [%] By Customer By Product AVG [AR$] EOP BALANCE 22

  24. Slide 24: Net Financial Income (NFI) & NIM

    Net Financial Income (NFI) & NIM GRUPO > SUPERVIELLE NFI 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 ARs Mi] NIM [%/ (5.3% } 2219 3Q19 4Q19 1Q20 2Q20 | p62 rt-84%}— Total) 22.0

  25. Slide 25: Fee income (AR$ Mill.)

    [AR$ Mill.] [AR$ Mill.] [%]1) 24

  26. Slide 26: Asset quality

    Asset quality GRUPO > 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 Evedution 1077 86.1 83.0 996 1271 Coverage 9

  27. Slide 27: Supervielle Loans - Risk Management

    Supervielle Loans- Risk Management Loans breakdown by industry? /%/ Families and individuals Agribusiness Food & Beverages Civil Construction Utilities Oil, Gas & Mining Financial Wine Automobile Retailer Chemicals & plastics Transport Textile Machinery & Equipment Sugar Others es 42,2 — 99 * Well D

  28. Slide 28: Administrative expenses & Efficiency ratio

    Administrative expenses & Efficiency ratio GRUPO > SUPERVIELLE Efficiency ratio of 61.9%, improved 230 bps QoQ despite Covid-19 expenses and acceleration of the digital transformation process 19.000 17.000 15.000 13.000 11.000 9.000 7.000 5.000 3.000 1.000 -1.000 Personnel and Administrative Expense

  29. Slide 29: Operating results (AR$ Mill.)

    [AR$ Mill.] [AR$ Mill.] [%] [%] 28

  30. Slide 30: 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 (Tier / Ratio %}” 5 04% a | ve 10% 13,3% Mar 20 2Q20 Expected loss Net Result RWA Other Inflation regulatory Adj

  31. Slide 31: Material

    Material 30

  32. Slide 32: Ownership Grupo Supervielle

    OWNERSHIP GRUPO SUPERVIELLE curo > SUPERVIELLE 2.9% 5% ais surenvigns CJ cord al 2.5% “ea 9 5.0% > 10% SUPERVIELLE = 7:1 ° ‘Tarjeta sox monotone Tarjeta y- 95.0% y 87.5% BOLSILLO SUPERVIELLE GRUPO DIGITAL SAU seueos SUPERVIELLE 95.0% 100.0% 5.0% SUPERVIELLE 95.0% @ invertirOnline.com 35% — (100.0% J

  33. Slide 33: Competition: Financial System

    Competition | Financial System in millions of Ps as of December 2019 Banco de la Nacién Argentina S.A. Banco de Galicia y Buenos Aires S.A. Banco Santander Rio S.A. Banco de la Provincia de Buenos Aires Banco Macro S.A. BBVA Banco Francés S.A. Banco de la Ciudad de Buenos Aires HSBC Bank Argentina S

  34. Slide 34: Income Statement & Balance Sheet

    INCOME STATEMENT & BALANCE SHEET cwuro SUPERVIELLE In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Income Statement oo 2Q20 1920 4Q19 3019 2Q19 QoQ YoY Net Interest Income 8,102.4 7,407.9 5,166.9 2,036.6 2,019.7 9.4% 301.2% NIFFI & Exchange Rate Di

  35. Slide 35: Key Indicators

    KEY INDICATORS In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Profitability & Efficiency 2Q20 1Q20 4Q19 3Q19 2Q19 ROAE 14.4% 77% 6.9% -36.2% 12.9% ROAA\ 2.0% 1.0% -0.9% 4.2% 14% Net Interest Margin (NIM)| 23.5% 22.8% 28.8% 7A% 22.0% Net Fee Income

  36. Slide 36: Key Indicators

    KEY INDICATORS cruco SUPERVIELLE In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Profitability & Efficiency 2Q20 1Q20 4Q19 3Q19 2Q19 Retail Price Index (%): 54% 7,8% 17% 125% 95% Avg. Retail Price Index (%) 43,9% 50,5% 52,1% 541% 56,3% UVA (van)| 6

  37. Slide 37: Income Statement & Balance Sheet (Managerial)

    INCOME STATEMENT & BALANCE SHEET cwuro SUPERVIELLE Managerial Information Non-restated figures - In millions of Argentine Ps. Income Statement 2Q20 1Q20 4Q19 3Q19 2Q19 QoQ YoY Net Interest Income 8,109.2 6,840.0 4,412.3 1523.8 1,370.7 18.6% 491.6% NIFFI & Exchange Rate Differences 941.8 397.4 3,245.

  38. Slide 38: Key Indicators

    KEY INDICATORS Non-restated figures - In millions of Argentine Ps. Profitability ee 2Q20 1Q20 4Q19 3Q19 2Q19 ROA 32,4% 26,4% 28,4% 6,2% 42,2% ROA 3,7% 35% 3,7% 0,7% 47% GRUPO > SUPERVIELLE

  39. Slide 39: Thank you!

    GRUPO au’ SUPERVI a. o 77

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