Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Credicorp Capital Investor Conference 2020
36 slides from Grupo Supervielle Sa Class B's conference presentation, Sep 24, 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: Contents: SUPV Presentation
GRUPO YP SUPERVIELLE =n. Ee SUPV Presentation
Slide 5: Why Strong Growth
Why [%] Strong Growth: • Healthy Implementing Branding Organization • • • • 4
Slide 6: Our Digital Transformation Journey
OUR DIGITAL TRANSFORMATION JOURNEY Transform the Core to drive CX FOCUS ON PROFITABILITY & GROWTH Develop Digital Attackers a Pp)? XY | Partnerships Build an Ecosystem 5 1) Micais the internal name of our chat/bot Agent. Digital Onboarding and Mobile Payments funcionalities were rele: Banking Busi T
Slide 7: Grupo Supervielle Ecosystem
GRUPO SUPERVIELLE ECOSYSTEM Grupo D> SUPERVIELLE PAYMENTS FINANCIAL SERVICES INSURANCE Pal soy Payment sureradz Ccoria| Private > Tthoans | 5% Market 123SEGURO 500K 2 icciitator Bank 200 gttreposits |4% share » GWP INCREASE = avancargo® ‘SUPERVIELLE 0. 9% Blended _ Servicios Qo 166MM Bank a Market M
Slide 8: Contents: 2Q20 Performance
GRUPO YP SUPERVIELLE =n. fe) (e) 2Q20 Performance
Slide 9: Long-term sustainability strengthened with COVID-19 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 10: 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 11: 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 : ore p gi fh of tota ED cashier De > 168% teaching Ar$4B volume through dig
Slide 12: 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 | 11 1 Visits
Slide 13: 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 ae _ = - to AR$2.3 Bn A®27.7% YOY - ~ Be + Net Interest Margin @& +73 bps
Slide 14: Challenging Macro Further Impacted by COVID-19
CHALLENGING MACRO FURTHER IMPACTED BY COVID-19 Covid-19 drives sharp drop in industrial ..While social assistance and relief to ____ production, with some economic companies contributed to a deeper fiscal indicators hinting at a possible rebound ... defic Economic Indicator (MoM var) 170 | ——Industr
Slide 15: Loans (AR$ Bill. in Nominal terms)
[AR$ Bill. in Nominal terms] [Breakdown by Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 14
Slide 16: Deposits (AR$ Bill. in Nominal terms)
[AR$ Bill. in Nominal terms] [Breakdown by Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 15
Slide 17: Loan portfolio (AR$ Mill.)
[AR$ Mill.]1) [%] [AR$ Mill, in Original Currency]1) 16
Slide 18: Corporate and Personal & Business Portfolio breakdown
[AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal & Business Portfolio breakdown 17
Slide 19: 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 20: Breakdown by Customer and Product
Breakdown [%] By Customer By Product AVG [AR$] BALANCE EOP 19
Slide 21: Net Financial Income (NFI) & NIM
NET FINANCIAL INCOME (NFI) & NIM GRUPO a SUPERVIELLE NFl up 16% QoQ & NIM up 70 bps on asset growth, taking advantage of higher spreads, lower reserve requirements & a better AR$ 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 22: Fee income (AR$ Mill.)
[AR$ Mill.] [AR$ Mill.] [%]1) 21
Slide 23: Loan Loss Provisions Evolution & NPL Ratio
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 24: 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 25: 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 Personnel and Administrative Expenses, D&A & Efficiency Ratio (Ars Mi] { -4.9% } | > —{-3.6%} con 8840.0 6,3
Slide 26: Net income (AR$ Mill.)
[AR$ Mill.] [AR$ Mill.] [%] [%] 25
Slide 27: 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 28: Loans, Deposits, Asset Quality, NIM, Expenses outlook
Loans Deposits Asset Quality NIM Operating Expenses Fee Income Capital & Liquidity 27
Slide 29: Contents: Support Material
GRUPO YP SUPERVIELLE =n. Ee Support Material
Slide 30: Grupo Supervielle Subsidiaries
GRUPO SUPERVIELLE SUBSIDIARIES cruro > SUPERVIELLE 96.8% 100% mf SOFITAL S.A.F. e 1.1 SUPERVIELLE SUPERVIELLE SUPERVIELLE SUPERVIELLE Banco Supervielle S.A, Aiea SEGUROS Srowem oe svounes 97.10% 99.87% 95.0% 100% 0.0% 0.0% 95.0% 95.0% 99.9% | eels i i it, 5.0% - Qecordiat *Cordial 5.0% GRUPO Lal B®
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 1020 4a19 3Q19 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% NIFF| & Exchange Rate Differences 1,007.4 4324 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
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)
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
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! Credicorp Capital Investor Conference September 23 - 24, 2020
Grupo Supervielle — Credicorp Capital Investor Conference 2020 on 6ix