Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Morgan Stanley 11th Annual Latin America Executive Conference 2019
22 slides from Grupo Supervielle Sa Class B's conference presentation, Jan 14, 2019
Slide 1: Morgan Stanley 11th Annual Latin America Executive Conference
GRUPO a SUPERVIELLE > SUPERVIELLE Tarjeta Automatica s.a. > SUPERVIELLE SEGUROS A Morgan Stanley 11th Annual Latin America ; Executive Conference 4 Cordial January 2019 y i Set MANAGEMENT fe F F . Q invertirOnline.com
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: Supervielle
i“ SUPERVIELLE
Slide 4: Supervielle Seguros Follow On
Supervielle SUPV Seguros Follow On • • • • • • • • • • • 4
Slide 5: But significant shift since the end of April and during the rest of the year
But significant shift since the end of April and during the rest Sct of the year By Market Expectations / Consensus 2018e y 2018e 2019e QUanuary’s i] (November’s (December’s Survey1) ' q Survey) 3.0% 1 -2.4% ' 1.2% Source: Central Bank Market Expectation Survey ' H (/REM") Inflation 19.4% ' 475% H 2
Slide 6: The sudden stop since the end of April...
COMPANY PRESENTATION The sudden stop since the end of April... .. changed our assumptions for the year and impacting overall results and 2018 guidance. Ability to adapt our business model to a rapidly changing environment (a Fx Depreciation intinuous Increases in interest rates ~~ Inflation trending
Slide 7: Macro dynamics in recent months: FX stabilizing
COMPANY PRESENTATION GRUPO - . . SUPERVIELLE j Macro dynamics in recent months.... ...fx stabilizing following implementation of new Monetary Policy framework my (AR$/US$) i +33% 1 {a2%) ee’) New Monetary Policy framework I 1 eeouss es PEPE Jun29 julé—jullé.—jul24—jul31. = Aug? = Aug13.— Aug23.- Aug
Slide 8: Macro dynamics in recent months: inflation and interest rates
COMPANY PRESENTATION . oo. cruro > Macro dynamics in recent months..... SUPERVIELLE .closely monitoring inflation following sharp currency depreciation in previous months: Interest rates remains high but slightly decreased | INFLATION [%] | Next 12M avg. inflation expectation [% ] Mar Avr May Jun. J
Slide 9: Supervielle
i“ SUPERVIELLE
Slide 10: 14.1% 10.0% 9.5% 14.2% 28.4% 36.2% 19.6% (1.5)%
14.1% 10.0% 9.5% 14.2% 28.4% 36.2% 19.6% (1.5)% 10
Slide 11: 146,123 146,123 120,789 120,789 92,202 96,570 81,558 96,570 92,202 81,558 11
146,123 146,123 120,789 120,789 92,202 96,570 81,558 96,570 92,202 81,558 11
Slide 12: 83,378 75,830 66,480 60,693 53,154 ´
83,378 75,830 66,480 60,693 53,154 ´ 12
Slide 13: 97,185 75,673 56,409 55,540 47,171
97,185 75,673 56,409 55,540 47,171 13
Slide 14: 3Q18 Profitability
cruro > 3Q18 Profitability SUPERVIELLE Net income up 56% YoY and 220% QoQ. Attributable comprehensive income up 56% YoY and 84% QoQ. ATTRIBUTABLE COMPREHENSIVE INCOME nexeeeed) soit etalhaye wey CAR$ Mill.] * Higher net financial income driven by investments in high margin Central Bank securities an
Slide 15: Net Financial Income, NIM & NFM
COMPANY PRESENTATION Net Financial Income, NIM & NFM Net Financial Income (NII, NIFFI & Exchange rate differences) up 21% sequentially with NIM improving by 170 bps and NFM by 80 bps | AS Financial Income [AR$ Mill. ] | NIM 3,623.6 3,615.0 55 2.898,2 3Q17 4Q17 1Q18 2Q18 3Q18 NII mNIFFI & Exchange ra
Slide 16: Credit Card Loans NPL and Delinquency
Credit Card Loans NPL Credit Card Loans Delinquency +90 Personal Loans NPL Personal Loans Delinquency +90 Retail Segment NPL Retail Segment Delinquency 16
Slide 17: Asset quality consumer finance
GRUPO a SUPERVIELLE ] Asset quality consumer finance NPL creation decreased sharply in 3Q18 and 3 month vintage data improved, reflecting that tighter credit scorings are turning in good results BBP «30 DAYS DELINQUENCY, 3 MONTH VINTAGE BBB CONSUMER FINANCE - NPL Creation [AR$ MIM.1 Jan? «3% 4,0% 4.
Slide 18: Supervielle
i“ SUPERVIELLE
Slide 19: Why Supervielle
GRUPO a SUPERVIELLE Js WHY SUPERVIELLE > Argentina: towards Fiscal Sustainability Great > Financial Sector: POTENTIAL Growth Potential Intact going into the | J oupy FUTURE Operating Leverage Differentiated Strategy to Capture Growth Leadership in Relevant Products and Markets 19
Slide 20: Supervielle Seguros Follow On
8th Private Bank in terms SUPV of Loans Follow On Supervielle Seguros 20
Slide 21: Supervielle Strategy: One Client Vision
GRUPO a SUPERVIELLE J Supervielle Strategy: One Client Vision ance Asset Online eonieane Coniccs DISTRIBUTION NETWORK AND CLIENT “ Managemen’ Broker < BASE WITH STRONG GROWTH POTENTIA surenvions surenvidre Q~sioinese Mle * Cordial ; » ec & = Shawn mute . SUPERVIELLE a . = Branches): 203 = Branches:
Slide 22: Thank you!
GRUPO | a SUPERVIELLE Thank you!
Grupo Supervielle — Morgan Stanley 11th Annual Latin America Executive Conference 2019 on 6ix