Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — UBS Global Emerging Markets Conference 2025
45 slides from Grupo Supervielle Sa Class B's conference presentation, September 2025
Slide 1: UBS Global Emerging Markets Conference, September 2025
September 2025 UBS BB Global Emerging Markets Conference IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
Slide 2: IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 2
Slide 3: Contents
Contents IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 3
Slide 4: IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 4
Slide 5: Looking Ahead: Strengthening Macroeconomic Anchors Support the Recovery Path
Looking Ahead: Strengthening Macroeconomic Anchors Support aura, De the Recovery Path; volatility ahead of elections A Ih trengthened pprovalLeyde Reserves supported b Successful tax Bases and ongoing IMF agreement, amnesty —_ deregulation Itil I bank: ACHIEVEMENTS +US$20 billion across economy lbhe
Slide 6: The Argentine banking business has the potential for multiple years of growth
| The Argentine banking business has the potential for multiple years of growth rupo | De Under-developed Banking System Loans / GDP. Credit penetration across the region jource Morgan Stanley based on public information and company estimates. As of December 31, 2024 bse] fs) ta) tz] ia ie Source Mo
Slide 7: Source: BCRA Source: BCRA 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Source: BCRA Source: BCRA 94,8% 84,7% 54,2% 14,3% 13,7% 13,7% 16,2% 19,5% 12,6% 12,7% 11,7% -3,8% 11,3% 11,5% 10,5% -4,6% -7,8% -6,1% 9,7% -14,1% -18,6% 8,5% -20,8% 8,0% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q252Q25* 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q252Q25 7
Slide 8: IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 8
Slide 9: Financial services
Financial services • • Household name and the oldest private franchise in the country • • The seventh largest Argentine private bank in terms of loans • Grupo Supervielle listed in NYSE and BYMA since 2016 • • • Placing the customer at the center of all we do • Implemented a deep cultural and digita
Slide 10: APIs, Bank integration, Investments
• APIs Bank • integration • • Investments • • as a Service • 10
Slide 11: Holding, Agente de Valores
Holding S,A, Agente de Valores 11
Slide 12: Strategic Focus: Profitable Growth via Targeted Segments and Products
GRUPO a Strategic Focus: Profitable Growth via Targeted Segments and SUPERVIELLE Products Prioritization of Segments/Products: Prioritizing Targeted Industry - Client Clusters whe Customer-Centric *Qe & Tech Enabled @. ee. Industry), Eg Oil & Gas, Mining CY. Fast, Disruptive ek j ; “Strategic Moves
Slide 13: IOL's 2025 Outlook: Stable Macro Fueling Capital Markets
IOL's 2025 Outlook: Stable Macro Fueling Capital Markets Driving grupo Dr Higher Volumes and Broader Participation oy . nO Retail Segment Ces SMBs & WM Segment * Growth in SMBs: 24-hour account opening + 24/7 liquidity solutions * One-stop shop for investments * Access to international investments &
Slide 14: 2Q25 Results
GRUPO a SUPERVIELLE 2Q25 Results SUPV Earnings conference call presentation August 13, 2025 14
Slide 15: 2Q25 Highlights: Executing Amid a Transitional Macro Backdrop
| 2Q25 Highlights: Executing Amid a Transitional Macro Backdrop aura, De 2025 Environm GRUPO hess SUPERVIELLE sj 2Q25 Macro Environment * Successful lifting of FX restrictions for individuals * Inflation continued to decelerate Asset Quality & Capital Outperforming Loan ° - + Environment impacted by
Slide 16: Continued Shift to Private-sector Loans from Treasury Notes
Continued Shift to Private-sector Loans from Treasury Notes, with LDR and Leverage Well-below Historical Levels Shift from Investment to Loan portfolio ( Ou GS [% of Assets] —— IRS Investment portfolio loane ee -28p.p. 425p.p. 50% 9 48% 45% iy 45% 36% 29% : I i U al i "(sme Deposits |_____ Leverage
Slide 17: Scaling Innovation: Early results across our four strategic initiatives
Scaling Innovation: Early results across our four strategic initiatives aura, De 1Q25 strategic initiatives results 20:05 First bank to have an of Integrated Gen Investment transactions online store hosted on Al-powered interactions via | powered by IOL through a= TIENDA the Bank's app, viewte [OV (
Slide 18: • • • • • • • +10.3% +14.8% -33.7% -12.7% +4.2% +31.5% -40.2%
• • • • • • • +10.3% +14.8% -33.7% -12.7% +4.2% +31.5% -40.2% 18
Slide 19: Retail loans and Commercial loans
Retail loans Commercial loans +2% QoQ +23% QoQ +130% YoY +37% YoY 19
Slide 20: NPL Ratio at 2.7%, Consistent with Industry & Historical Levels
NPL Ratio at 2.7%, Consistent with Industry & Historical Levels, Reflecting Credit Normalization after Strong Growth in Retail Loans in Previous Quarters 8 NPL & Coverage NPL{ “ Ratio [%] Dot 302,9% mm Loan Loss fo) Provisions, Net | i AR$ million] a OCost of risk [%] 152,79 52% 129,7% 0 mNPL 2024 1
Slide 21: Total Funding +30% YoY, Driven by Deposits
Total Funding +30% YoY, Driven by Deposits and Growing Contribution crue l from Corporate Notes which Reached 6% of total funding SUPERVIELLE Funding AR$ Deposits Breakdown rs +29.6% +23.5% . 56.1% +0.9% 2,445 2,993 3,019 4,409 5,386 5714 Wholesale Funding Time Deposits Individuals and Savings ACUI
Slide 22: NIM Expanded QoQ Driven by Spread increases
NIM Expanded 160 bps QoQ to 21% Driven by Spread increases both in Client cruro and Market Related Portfolios SUPERVIELLE Net Financial Income NIM breakdown [AR$ Mill, -26.8% 160.2 +11.5% | 283,346 a 35,4 28 NFI \ 185,970 207,379 : - 20,1 2Q24 1Q25 2Q25 +14.8% | -65.2% 170.758 | 55.20 | —2—Loan Port
Slide 23: Revised 2025 Perspectives in an Election Year
Revised 2025 Perspectives in an Election Year; Transition Period Now cruro > Anticipated to Extend into 2026 wee *Loans expected to grow between 40-50% in real terms Loans oe - contingent on monetary policy & regulation B5,0% ‘i P ° y * Balanced mix between retail and corporate loans L ==e 42% «LDR
Slide 24: Revised 2025 Perspectives in an Election Year (cont.)
Revised 2025 Perspectives in an Election Year; Transition Period Now = cruro > Anticipated to Extend into 2026 sbrenvienté + Bank net fees expected to grow on higher income and lower expenses * Asset Management fees anticipated to follow growth in AUMs * Insurance performance improving on higher cus
Slide 25: Annex I: 2Q25 Supplementary Financial Information & Ratios
GRUPO a SUPERVIELLE Annex I: 2Q25 Supplementary Financial Information & Ratios
Slide 26: Commercial and retail loan growth
• Commercial loans +23% QoQ & 37% YoY • Retail loans +2% QoQ & 130% YoY 26
Slide 27: Disciplined Loan Origination
| Disciplined Loan Origination gue, > Loans to payroll and pension clients/ total loans to tndhviidwells Collateralized commercial loan portfolio € Personal loans granted to payroll and Collateralized non-performin 88%) > : p ig 0 (0%) pension customers commercial loan portfolio < (66% 58% ) > Credi
Slide 28: Atomized and Diversified Loan Portfolio
Atomized and Diversified Loan Portfolio within Company cruro Portfolio Limits Loans breakdown by 2Q25 1Q25 2Q24 Business Sector Share Share Share Families and individuals 43.8% 47.9% 30.6% Agribusiness 8.0% 77% 9.8% Food & Beverages 5.6% 5.7% 71% Utilities 3.4% 3.6% 74% Transport 3.3% 3.0% 1.8% IT &
Slide 29: Market share gains in US$ Deposits
76% 73% 84% • 110 bps YoY Market share gains in US$ Deposits 24% 27% 16% 29
Slide 30: Net Revenues and Expenses
Net Revenues 1 Expenses 2 2Q25 2Q25 Q oQ +1.9% Q oQ +4.2% YoY -21.7% YoY -5.8% 1H25 1H25 YoY -40.9% YoY -11.4% 30
Slide 31: Net Fee Income Up 17% in 1H25
! Net Fee Income Up 17% in 1H25, Despite Lower Brokerage and crupo J Lagging Repricing in 2Q25; Insurance +33% YoY in 1H25 SUPERVIEILE Net Service Fee Income ex insurance [AR$ Mill,] 2,0% 0,0% 0,3% Non-financial services - 5 +5,7% +17.2% -12.5% Asset Management Other bank fees a7 028 77.085 39.867 4
Slide 32: 2Q25 Net Income Up 62% QoQ
2Q25 Net Income Up 62% QoQ to AR$13.9 billion with ROAE at 6%; NFI Growth & Cost Grupo J Savings, Partially Offset Higher LLPs and Lower Fees SUPERVIELLE Profit Before Income Tax i 23.804 100.621 moa 32439 gays 13.604 2.019 43.065 13.316 26.051 10.797. 13.702 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25 2024
Slide 33: 2025 Performance - Capitalization with CET Ratio at 13.9%
| 2025 Performance - Capitalization with CET 1 Ratio at 13.9% supports loan expansion ° Profit capitalization » RWA growth above inflation » Higher deductions on ECL and deferred tax -0.4 42 — —_—_——————_ —— +0.2 Bank, Net Result RWA Deductions GRUPO a SUPERVIELLE 16.7% If adopting Basel III for ope
Slide 34: Income Statement & Balance Sheet
Income Statement & Balance Sheet SUPERVIELLE In millions of Ps, stated in terms of the measuring unit current at the end of the reporting period 2Q25 1925 4Q24 3Q24 2Q24 QoQ YoY Net Interest Income 191,273 157,291 165,237 171,198 232,939 216% = -17.9% NIFFI & Exchange Rate Differences 16,106 28,679
Slide 35: Key Indicators
Key Indicators 2Q25 1Q25 4Q24 3Q24 2Q24 1H25 1H24 ROAE 5.8% 3.5% 13.9% 48% 10.4% 47% 22.1% ROAA 1.0% 0.6% 2.6% 1.0% 2.3% 0.8% 48% Beetability NetInterest Margin = 59.3% 19.2% 24.9% 24.7% «36.3% ©—«'19.9% + -48.6% & efficiency (NIM) Net Fee Income Ratio 19.4% 23.5% 21.2% 22.5% 14.0% 214% 10.3% Cost /
Slide 36: Key Indicators
Key Indicators Retail Price Index (%)- QoQ Retail Price Index (%)- YoY UVA (var) Pesos/US$ Exchange Rate Badlar Interest Rate (eop) Macro data Badlar Interest Rate (avg) Monetary Policy Rate (eop) Monetary Policy Rate (avg) 2Q25 1Q25 4Q24 3Q24 2Q24 6.0% 8.5% 8.0% 12.1% 18.6% 39.4% 55.9% 117.8% 209.0
Slide 37: Annex II: Industry Outlook and Supplementary Information
GRUPO a SUPERVIELLE Annex II: Industry Outlook and Supplementary Information
Slide 38: Financial Sector Loans Accelerating Since 2Q24
Financial Sector Loans Accelerating Since 2Q24 grupo De Loans to Private Sector [AR$ Bill, in real terms] | (+81.9% | a vee _ _ _ _ LL ™ L 2024 3Q24 4Q24 1025 225 AR$ Loans Lin AR$ Bn, in Original Currency] | [+89.7% | 1 I (+152.0%] ; 2024 3Q24 4Q24 1925 2025 2024 3Q24 4Q24 1925, 2025 Source: BCRA —
Slide 39: Financial Sector AR$ Deposits Expanding Below Loan Growth
| Financial Sector AR$ Deposits Expanding Below Loan Growth; US$ Deposits Grupo J Rebounding SUPERVIELLE Private Sector Deposits [AR$ Bill, in Real terms] | [+29.7% | | = “™ a “™ a ™ a ™ - 2Q24 3Q24 4Q24 1Q25 2Q25 AR$ Deposits [in AR$ Bn, in Original Currency] (+20.4% } | (+70.2% } | (40.5%) (+5.3%)
Slide 40: Banking system ranking by loans and deposits
Banco Nación 49,452,092 22.1% Banco Nación 17,896,824 20.2% Banco Nación 31,539,252 21.9% Banco Galicia 23,841,507 10.6% Banco Galicia 10,535,334 11.9% Banco Galicia 14,986,235 10.4% Santander 20,482,896 9.1% Santander 9,054,570 10.2% Santander 14,517,065 10.1% BBVA 15,933,851 7.1% BBVA 8,498,642 9.
Slide 41: Active interest rates and fees
Badlar Badlar: 55.38% (as of August 27, 2025) Active interest rates TAMAR (30 days Time Deposits over AR$1 billion) Tamar: 61.19% (as of August 27, 2025) Maximum Percentage allowed to be charged on 0.6% Debit Cards Interchange fees credit and debit cards 1.3% Credit Cards 125% over the previous mont
Slide 42: Provision for loan losses and Minimum Reserve requirements
Provision for loan losses IFRS9 Some exceptions in government-issued debt securities AR$ Time Deposits 28.5% in Treasury Notes AR$ Checking and Saving Accounts (excluding Mutual Funds) 53.5% (35% in cash, 18.5% in eligible Treasury notes) AR$ Mutual Funds remunerated Accounts 48.5% (40% in cash, 8.5
Slide 43: Annex III: ESG Commitment
GRUPO a SUPERVIELLE Annex III: ESG Commitment
Slide 44: ESG Strategy & Sustainable Growth
ESG Strategy & Sustainable Growth GRUPO a SUPERVIELLE OUR COMMITMENTS OUR FOCUS AREAS @ Sustainable growth—protection of the environment and pursuance of our business strategy in a socially responsible manner @ Good governance practices, diversity and inclusion are key factors B® Integration of ESG
Slide 45: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina
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