Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q4 2017 Earnings Presentation
18 slides from Grupo Supervielle Sa Class B's earnings presentation, Feb 20, 2018
Slide 1: 4Q17 Earnings Conference Call
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Slide 2: Disclaimer
COMPANY PRESENTATION j Disclaimer This presentation contains certain forward-looking statements that reflect the current views and/or expectations of Grupo Supervielle and its management with respect to its performance, business and future events. We use words such as “believe,” “anticipate,” “plan,
Slide 3: Fourth quarter 2017 highlights
COMPANY PRESENTATION GRUPO a SUPERVIELLE Fourth quarter 2017 highlights Healthy financial results bodes well for SUPV to benefit from attractive growth opportunities in Argentina VV QQL STRONG PROFITABILITY with net income up 60% YoY and 36% QoQ. Excluding non-recurring items in 4Q16, net income ros
Slide 4: Macro overview
COMPANY PRESENTATION : crurpo > Macro overview SUPERVIELLE | Broad-based improved macro dynamics; Government & Central Bank revised inflation targets moderating the pace in the reduction of inflation BBD cop crowTH (%1 BBP Nrvation (%1 -2,6 ; ; Jul Ago Sep Oct Nov Dec Jan Feb Mar AprMayJun Jul Ago S
Slide 5: Financial sector
COMPANY PRESENTATION GRUPO - Financial sector SUPERVIELLE | Strong system loan growth while deposits lag behind; SUPV loan growth exceeds guidance while deposits double industry growth rate BBB Lo ANs To PRIVATE SECTOR [ARS Bill] BB 10TAL DePosiTstArs Bill. ; 57.4% 1 ss ' 27.0% | 4Q16 1Q17 2Q17 3Q17
Slide 6: Supervielle loan performance
GRUPO a SUPERVIELLE Supervielle loan performance Loan portfolio up 56% YoY and 13% QoQ, with a higher mix of corporate loans a | 4Q17 BREAKDOWN [%] Corporate Portfolio breakdown” LOANS & LEASING, PLUS SECURITIZED TOTAL LOANS BREAKDOWN PORTFOLIO [AR$ Miill.]? Loans & Leasing, plus Securitized P Marke
Slide 7: Loan performance
Loan performance GRUPO - SUPERVIELLE Growth driven by strong performance across segments, particularly corporates | | TOTAL LOAN PORTFOLIO BREAKDOWN BY SEGMENT Loans & Leasing, plus Securitized Portfolio [AR$ Mill.]? CORPORATE RETAIL CONSUMER FINANCE 62.5% 46.2% 49.0% 17.3% 11.0% 57% 23.7% 7%) 79% 1
Slide 8: Funding
COMPANY PRESENTATION cruro > . SUPERVIELLE j Funding Accelerated deposit expansion doubling system growth rate BB TOTAL Deposits :Aks Mill BBP 1 0TAL DEPOSITS + MEDIUM TERM NOTESLARS Mil “are er “ov 20" “ov AQ16 1Q17 2Q17 3Q17 4Q17 MAR§ Deposits Fx Deposits ° : ret Deposits 3 Medium 1a8 Notes Q GBB
Slide 9: Funding
GRUPO a . SUPERVIELLE Funding Atomized deposit base largely composed of non- or low-cost deposits BBP DePosits Q-Q VARIATION (%1 BBP eros BREAKDOWN (%1 / 29 — 36 p ‘ : : ' : : 21 | Wholesale/Institutional Retail 3 4 ' Qo-r—-o—-—_o——_o— 0 =: 7 0 6 ° @ Corporate Senior Citizen ' - r ' Service Center _
Slide 10: Gross financial margin & NIM
GRUPO a SUPERVIELLE Gross financial margin & NIM Gross financial margin rose 23% QoQ with AR$ loan portfolio NIM up 120 bps to 24.6% BBB cross FINANCIAL MARGIN [AR$ Mil. BB Net INTEREST MARGIN [NIM - 961 | on | TOTAL 20.8% 18.7% 19.8% 185% 19.4% 20.6% 19.1% 9 4 AR$ 24.1% 22.1% 21.9% 21.0% 22.2% 22.4
Slide 11: Service fee income & income from insurance activities
GRUPO a SUPERVIELLE Service fee income & income from insurance activities YoY growth 830 bps above inflation; sequential pick-up in growth rates BBB Net SERVICE FEE INCOME LARS Mill BB come FROM INSURANCE ACTIVITIES [ARS Mill | | | | 3.477,4 606,1 al 2.486,9 a7 7570 8617 9036 955,1 al 99 1100 1128 1
Slide 12: Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 12
Slide 13: Administrative expenses & efficiency ratio
GRUPO a SUPERVIELLE ] Administrative expenses & efficiency ratio Efficiency ratio improved 170 bps QoQ and 430 bps YoY reaching 60.2% | | ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO[AR$ Mill.) Personnel 9 | 3.2% | 11633 1,340.5 -1534.4 = 145% ~—-31.9% Expenses Non Personnel 642.5 738.1 870.71 18.0% 3
Slide 14: Profitability
GRUPO a SUPERVIELLE Profitability Net income up 60% YoY and 36% QoQ; ROAA increased 60 bps QoQ to 4.1% while ROAE reflects temporary dilution from Sep’17 equity follow on BBP NET INCOME ARs Mill > 4Q17 Net income up 94% YoY excluding AR$92.4 million non-recurring gain in 4Q16 from the termination of
Slide 15: Capitalization
GRUPO a SUPERVIELLE j Capitalization Consistent execution of capital deployment; in process of applying funds from the September 2017 follow-on BB Ariat DEPLOYMENT [Tier | ratio %1” 23 19,5 BA 15,3 18,4 13,5 12,6 12,3 12,0 11,6 ’ ll | ll [| March-16 Capital Consolidated Consolidated Consolidated Con
Slide 16: 2017 Results in line with guidance
COMPANY PRESENTATION GRUPO - SUPERVIELLE ] 2017 Results in line with guidance FY 2017 EXPECTATIONS (3) FY'17 Guidance reported figures Total Loan 9 Growth” 99.7% 43-50% Cost of 4.2% Risk ° 3.9-4.2% Efficiency 63 - 66% 63.3% Ratio AR$ 34-26 Bill. AR$ 2.4Bill. ute 18-19% 18.4% Ratio 18 - 20% 19.1% i i
Slide 17: 2018 guidance
GRUPO a 2018 guidance SUPERVIELLE 2018 MACRO FY 2018 ASSUMPTIONS EXPECTATIONS (6) > GDP® expected to expand by 3.0% in 2018 Total Loan, Tateiey Efficiency 55 - 59% Growth?» Ratio > Inflation reaching 19.4% for full year 2018 Average Deposit rate) mie 4.1 - 4.5% 40 ae Bill. (BADLAR) expected to > rea
Slide 18: SUPERVIELLE
GRUPO | a SUPERVIELLE