Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q1 2020 Earnings Presentation
28 slides from Grupo Supervielle Sa Class B's earnings presentation, Jun 24, 2020
Slide 1: Company Presentation 1Q20 results
Company Presentation 1Q20 results 0
Slide 2: Disclaimer
GRUPO a SUPERVIELLE fS Disclatuer
Slide 3: Supervielle Key Business Highlights
Supervielle Key Business Highlights cruro J SUPERVIELLE Prompt implementation of COVID-19 mitigating initiatives, supported by high liquidity and comfortable capitalization strengthen long-term sustainability in a rapidly changing environment Navigating COVID-19 Pandemic Non-Material Impact from COV
Slide 4: Government & Central Bank Measures
Government & Central Bank Measures cruro SUPERVIELLE Main measures established to curb the outbreak of COVID-19 and mitigate impact Established nation-wide mandatory lockdown on March 19, extended to-date and closed borders Financial services deemed essential business on Apr 11; branches open for sp
Slide 5: 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
Slide 6: Accelerated Digitalization
Accelerated Digitalization GRUPO > SUPERVIELLE Digital Indicators - February/April 2020 INSTITUTIONAL Website PERSONAL Online Banking CORPORATE Online Banking —/, ' invertirOnline.com # 85% New accounts *¥ 47% Transaction (in Ar$) CONSUMER FINANCE Chatbot
Slide 7: Challenging macro further impacted by COVID-19
Challenging macro further impacted by COVID-19 With a sharp drop in economic activity... -11.5% Economic Activity -33.5% Industrial Production YoY in April -15.6% Construction Source: Indec Lower interest rates... —— Badlar EoP Repo (1D) Oe 30 Li aa Vin, lad Nes} 19 Dec 30, 19- Jun 19, 20 Source: BC
Slide 8: [AR$ Bill. Non restated Figures] [Original Currency]
[AR$ Bill. Non restated Figures] [Original Currency] [in AR$ Bn. Non restated Figures] [in US$ Bn.] 7
Slide 9: [AR$ Bill. Non restated Figures] [Original Currency]
[AR$ Bill. Non restated Figures] [Original Currency] [in AR$ Bn. Non-Restated Figures] [in US$ Bn.] 8
Slide 10: [AR$ Mill.] 1) [AR$ Mill.] 1)
[AR$ Mill.]1) [%] [AR$ Mill.]1) 9
Slide 11: Loan portfolio breakdown
[AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal & • Business Portfolio breakdown • • • 10
Slide 12: Loan portfolio breakdown
[AR$ Mill]1) [%]) [%]) Loan portfolio breakdown • • 11 •
Slide 13: Funding & Deposit Base
FUNDING & DEPOSIT BASE GRUPO > SUPERVIELLE Total Deposits up 41.5% QoQ. Core retail and corporate peso deposits up 14.8% QoQ, while institutional funding up over 3x to fund investments in Central Bank Leliqs Funding (ARS Mi] -20.5% -6.1% 15.9% 18.9% 24.2% 235,408 221,009 185,948 150,740 187,233 = —
Slide 14: Net Financial Income (NFI) & NIM
J is NET FINANCIAL INCOME (NEI) & NIM cxuro SUPERVIELLE Comparable NFI up 0.9% QoQ but NIM down 180 bps from higher avg asset & deposit volumes raised to take advantage on higher spreads on Leligs. AR$ Loan NIM up 180 bps Net Financial Income (ARs Mi] NIM [%/ 1Q19, 2Q19 3Q19' 4Q19_—-1Q20 l 13.8% Tot
Slide 15: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%]1) 14
Slide 16: Delinquency Evolution Ratio
Evolution Delinquency Ratio 15
Slide 17: Administrative Expenses & Efficiency Ratio
ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO GRUPO > SUPERVIELLE Efficiency ratio improved to 60.4% from comparable 66.6% in 4Q19 reflecting streamlining of operations in 2019 while revenues remained flat Personnel and Administrative Expenses, D&A & Efficiency Ratio ARS Mi] | {-15.6%} 19.000 ° 5 Soon
Slide 18: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%] [%] 17
Slide 19: Capitalization
CAPITALIZATION GRUPO > SUPERVIELLE Tier 1 Ratio of 13.3% up 200 bps QoQ benefitting from IAS29 initial adoption on capital and to a lesser extent from Central Bank regulatory easing on provisions Capital Deployment (Tier / Ratio %}” )0/ os 0,5% ee] 0.2% 11% ees as | 11,3% Dec19 Initial Recognition E
Slide 20: Outlook and closing remarks
▪ Weak economic activity has been compounded by the COVID-19 pandemic ▪ Preparing for a gradual reopening of the economy maintaining the highest possible standards to protect the health of our employees and customers ▪ Path to recovery and is largely dependent upon: ▪ Depth and duration of COVID-19
Slide 21: Contents: Q&A
GRUPO a SUPERVIELLE im Q&A
Slide 22: Contents: Annex
GRUPO a SUPERVIELLE Annex
Slide 23: 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 1Q20 4Q19 3Q19 2Q19 1Q19 QoQ YoY Net Interest Income 7,030.1 4,910.0 1,932.7 1,910.0 1894.1 43.2% 271.2% NIFFI & Exchange Rate Diffe
Slide 24: 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 1Q20 4Q19 3Q19 2Q19 1Q19 ROAE 77% -13.1% -35.5% 18.0% -20.1% ROAA\ 1.0% 1.7% 4.2% 2.0% -2.2% Net Interest Margin (NIM)| 22.8% 28.8% 7A% 22.0% 19.0% Net Fee In
Slide 25: 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 1Q20 4Q19 3Q19 2Q19 1Q19 Retail Price Index (%): 78% 1.7% 12.5% 9.5% 11.8% Avg. Retail Price Index (%) 50.5% 52.1% 54.1% 56.3% 51.2% UVA (va
Slide 26: Income Statement & Balance Sheet
INCOME STATEMENT & BALANCE SHEET cxuro SUPERVIELLE Non-restated figures - In millions of Argentine Ps. Income Statement 1Q20 4Q19 3Q19 2Q19 1Q19 QoQ YoY Net Interest Income 6,840.0 4,412.3 1,523.8 1,370.7 1,218.3 55.0% 461.4% NIFFI & Exchange Rate Differences 397.4 3,245.5 3,754.4 5,189.6 4,259.4 -8
Slide 27: Key Indicators
KEY INDICATORS Non-restated figures - In millions of Argentine Ps. Profitability ee 1Q20 4Q19 3Q19 2Q19 1Q19 ROA 26.4% 28.4% 6.2% 42.2% 13.6% ROA 3.5% 3.7% 0.7% 47% 15% GRUPO > SUPERVIELLE
Slide 28: Thank you!
GRUPO au’ SUPERVI a. o 77