Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Latin Securities Argentina in New York (April 2026)
59 slides from Grupo Supervielle Sa Class B's conference presentation, April 2026
Slide 1: Corporate Presentation 4Q25
Corporate Presentation 4Q25 April 2026 IR-GrupoSupervielle@gruposupervielle.com.ar Reconquista 330, (C1003ABH), Ciudad de Buenos Aires, Argentina
Slide 2: Disclaimer
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,” “expect,” “intend,” “
Slide 3: Contents
Who we are SUPV 4Q25 Results, SUPV Earnings Conference Call Presentation, March 3, 2026 Annex I: 4Q25 Supplementary Financial Contents Information & Ratios Annex II: Industry Outlook and Supplementary Information Annex III: Macro Annex IV: ESG Commitment IR-GrupoSupervielle@gruposupervielle,com,ar C
Slide 4: Who we are
SUPV Who we are IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 4
Slide 5: Building an Ecosystem: Focused on Our Customers' Everyday Banking and Financial Needs
Building an Ecosystem: Focused on Our Customers’ Everyday Banking and Financial Needs FINANCIAL SERVICES INSURANCE Market share 1 MOBILITY 4.1 Play Store 9° 2.8% 396 k 4.6 App Store 1 Loans 2.5 Bank 11° 3.0% Insurance AuC US$ Bn] policies HOUSING APIs Bank Deposits 2) Argentina integration 1.9M Corp
Slide 6: Executing on Our Strategy; Scaling the Ecosystem
Executing on Our Strategy; Scaling the Ecosystem Customer -Centric Cluster -Based One-stop shop investment platform & Tech Enabled Customer Strategy Fast, Disruptive Strategic SMBs & Mass Affluent Strategic Moves partnerships Cross -Selling IOL Customers Ready for what’s next • Evolving the Supervie
Slide 7: Strategic Focus: Profitable Growth via Targeted Segments and Products
Strategic Focus: Profitable Growth via Targeted Segments and Products Prioritization of Segments/Products: Prioritizing Targeted Industry - Client Clusters Customer -Centric 1 Corporates 5 & Tech Enabled (Segments/ Products/ Industry), E,g, Oil & Gas, Mining Fast, Disruptive Strategic Moves 2 Mendoz
Slide 8: Our Subsidiaries
Our Subsidiaries 100% 100% SOFITAL S.A .U.F. e I, 5.0% 5.0% 4.76% “Banco Supervielle S,A,” 95.0% 100% 95.0% 100% 95.2% 100% 99.9% 95.0% 97.1% 100% Direct Participation Direct + Indirect Participation 100% 99.995% Holding 100% 100% 100% 100% 0% 100% 0% 100% S.A. 100% Agente 100% de Valores AGENTE DE
Slide 9: 4Q25 Results
4Q25 Results SUPV Earnings conference call presentation March 3, 2026 9
Slide 10: 4Q25 Highlights: Delivered within Guidance Amid Elevated Credit Stress
4Q25 Highlights: Delivered within Guidance Amid Elevated Credit Stress Loan Growth Asset Deposit Profitability Outperforms Quality Growth and Capital Industry • Loan book +8% QoQ (vs. • NPL ratio 5.0% (vs. 3.9% • Deposits -6% QoQ; +23% • Net loss of AR$19.5b 2.0% system); +172% in 3Q25), in line wit
Slide 11: 4Q25 Highlights: Peak Volatility; 2026 Set for Progressive Normalization
4Q25 Highlights: 4Q25 Captured Peak Volatility; 2026 Set for Progressive Normalization 4Q25 Peak Volatility Amid Political Transition 2026 Outlook: Foundations Financial Deepening • Mid-term election volatility impacted 4Q25 • Structural reforms to enhance macro predictability • High real rates and
Slide 12: Attributable Net Loss of AR$19.5 Billion Improved QoQ, Sound Capital and Liquidity
Attributable Net Loss of AR$19.5 Billion Improved QoQ, Sound Capital and Liquidity 4Q25 EARNINGS • Lower funding • Improved • Slightly higher • Brokerage • Continued • Resulting from • Cost of • Lower tax gain costs and market quarterly activity efficiency increased seasonal credit vs. 3Q25 higher v
Slide 13: Commercial Lending Continues to Outpace Retail Loans
Commercial Lending Continues to Outpace Retail Loans Reflecting a Stricter Underwriting Criteria Loan portfolio evolution Mar 24 - Loan portfolio Breakdown [In AR$ Bn] QoQ YoY to date [%] Commercial portfolio +25% +64% +171% 2.300 Retail loans 37% 1.800 -4% +8% +185% 1.300 Retail 63% portfolio Comme
Slide 14: NPL Ratio at 5.0%, In Line with Industry; Net CoR of 10.4%
NPL Ratio at 5.0%, In Line with Industry; Net CoR of 10.4% Recent Trends NPL, Coverage and CoR [%] [Dec -Jan] • Company initiatives centered on 169,2% collections and refinancing targeted at 112,2% 111,6% individual and SME customers NPL • Lower migration of loans into more 1,3% 3,9% 5,0% Coverage r
Slide 15: Deliberate Deposit Mix Repositioning; Retail & Commercial Base Strengthening
Deliberate Deposit Mix Repositioning; Retail & Commercial Base Strengthening AR$ Deposits Breakdown AR$ Retail & Commercial Deposits growth [%] [AR% Bn.] % QoQ YoY Time Deposits (Individuals and Companies) Checking Accounts 650 -0.4% +19% Savings Accounts 600 +39% +19% Wholesale 51% 47% 550 Funding
Slide 16: NIM Expanded to 19% as Funding Costs Normalized
NIM Expanded to 19% as Funding Costs Normalized and Market Income Improved Net Financial Income [AR$ Mill,] NIM breakdown +1.3% NIM [%] 24.9% 10.8% 18.8% +82.2% Var % 31,5 26,1 Loan Portfolio NFI 242,617 134,834 245,702 QoQ YoY 21,6 15,2 16,9 Investment Portfolio 11,4 +768.8% -12.7% 4Q24 3Q25 4Q25 1
Slide 17: Setting 2026 Expectations, Poised to Rebound as Normalization Continues
Setting 2026 Expectations, Poised to Rebound as Normalization Continues 4Q QoQ Var 2025 YoY 2026e • Temporary mix-shift towards corporate loans. Retail lending to 25 - 30% resume as economic activity, employment and disposable income Loans 37% improve 8,4% • Peso loans anticipated to outperform US$
Slide 18: Setting 2026 Expectations, Poised to Rebound as Normalization Continues
Setting 2026 Expectations, Poised to Rebound as Normalization Continues 4Q25 QoQ Var* FY25 YoY Var 2026e Growth in real Net Fee 4.6% terms • Fueled by banking and brokerage fees Income 5% 1% 4Q25 QoQ Var 2025 YoY Var 2026e Operating 6% • Structural Expenses stable in real terms, reflecting cost disc
Slide 19: Annex I: 4Q25 Supplementary Financial Information & Ratios
Annex I: 4Q25 Supplementary Financial Information & Ratios 19
Slide 20: Balance Sheet Repositioning Toward Private-Sector Lending
Balance Sheet Repositioning Toward Private -Sector Lending Shift from Investment to Loan portfolio [% of Assets] Investment portfolio Loans -30 p.p. +25p.p. 50% 45% 48% 48% 44% 24% 21% 29% 20% 23% Dec 23 Mar 24 Dec 24 Sep 25 Dec 25 Dec 23 Mar 24 Dec 24 Sep 25 Dec 25 32.2% 43.6% 69.7% 67.3% 77.8% Loa
Slide 21: Loan Book Up 8% QoQ and 37% YoY Led by Commercial Loans
Loan Book Up 8% QoQ and 37% YoY primarily led by Commercial Loans while Retail Lending Decelerated Amid Tighter Credit Policies 02 Total Loan Breakdown 01 Assets Evolution [AR$. Bn) [%]2) +30.7% -3.1% 100% 100% 100% 5,960 8,044 7,791 Net Loans: 48% of total 48% 44% 37% 3.506 3.751 2.844 Public Secto
Slide 22: Commercial Lending Continues to Outpace Retail Loans
Commercial Lending Continues to Outpace Retail Loans Reflecting a Stricter Underwriting Criteria Retail Loans: 37% of total from Commercial Loans: 63% of total from 01 48% as of Dec 24 02 52% as of Dec 24 1 62 18 Retail loans Commercial loans 33 In AR$ Bn, In AR$ Bn, Retail -4% QoQ Commercial 40 +25
Slide 23: Retail Loan Portfolio: Focus on Payroll and Pension Customers
Retail Loan Portfolio: Focus on Payroll and Pension Customers Over Open Market Customers 52% Loans to payroll and pension clients/ Credit cards volumes to payroll 59% and pension customers total loans to individuals Personal loans granted to payroll Collateralized retail loan portfolio to 86% and pe
Slide 24: Atomized and Diversified Loan Portfolio within Company Portfolio Limits
Atomized and Diversified Loan Portfolio within Company Portfolio Limits Loans breakdown by industry [%] 4Q25 3Q25 4Q24 Business Sector Share Share Share Families and individuals 35.9% 40.4% 42.3% Agribusiness 9.4% 8.8% 9.1% Collateralized commercial loan portfolio 22% Food & Beverages 5.3% 6.0% 5.9%
Slide 25: NPL Ratio at 5.0%, In Line with Industry
NPL Ratio at 5.0%, In Line with Industry NPL & Coverage NPL Breakdown Ratio [%] 169,2% 2024 2025 Dec Sep Dec 112,2% 111,6% Corporate & SMES 0.9% 2.0% 3.2% Retail 1.8% 7.1% 9.2% TOTAL 1.3% 3.9% 5.0% 1,3% 3,9% 5,0% Note: NPL ratio includes off balance sheet guarantees granted to customers NPL 4Q24 3Q2
Slide 26: Total Funding +26% YoY, Driven by Deposits and Foreign Trade Lines
Total Funding +26% YoY, Driven by Deposits and Growing Contribution from Foreign Trade Lines to Support SMEs Financing Funding AR$ Deposits Breakdown Deposits Breakdown [AR$ Bn,] [%] +26.2 % AR$ Deposits (Bn,) US$ Deposits (MM) -4.1% +11.4% +42.5 % 5,597 7,366 7,062 -5.9% -5.9% 3.618 3.405 1.248 1.1
Slide 27: YTD Operating Expenses Down 9%, Supported by Structural Cost Efficiencies
YTD Operating Expenses Down 9%, Supported by Structural Cost Efficiencies Net Revenues, Expenses & Efficiency Ratio [AR$ Mill,] EFFICIENCY [%] 63.8 95.8 60.6 49.3 66.5 Net Revenues 1 Expenses 2 1.389.549 937.274 4Q25 4Q25 684.364 622.917 170.797 267.799 154.086 160.851 162.993 268.837 Q oQ +67.1% Q
Slide 28: Net Fee Income Up 1% QoQ in 4Q25, Driven by Brokerage Fees
Net Fee Income Up 1% QoQ in 4Q25, Driven by Brokerage Fees, as Banking Fees Repricing Took Effect Late in the Quarter Fee Income breakdown Net Service Fee Income ex ex insurance [%] insurance [AR$ Mill,] Non-financial services -4.1% +3.5 % 11,9% 13,9% 11,7% +0.9 % Asset Management Other bank fees 11
Slide 29: Attributable net loss narrowed sequentially as revenues recovered
Attributable net loss narrowed sequentially as revenues recovered and NIM rebounded to 19%, while preserving a solid 15.4% CET1 ratio Profit Before Income Tax Attributable Net Income [AR$ Mill,] [AR$ Mill,] 164.675 37.076 9.618 15.549 - -45.914 -50.734 -33.632 -31.472 -19.525 150.49 -54.224 -34.652
Slide 30: 2025 Performance - CET1 of 15.4%
2025 Performance - CET1 of 15.4%, Driven by Lower Deferred Tax Asset Deductions and lower RWA Density • 100% impact • Lower RWA • Lower deductions on TIER1 from net loss density deferred tax KEY MESSAGE -0.2 +0.8 +1.8 15,4% 13,2% Sep 25 Bank, Net Result RWA Deductions Dec 25 30 30
Slide 31: Income Statement & Balance Sheet
Income Statement & Balance Sheet In millions of Ps., stated in terms of the measuring unit current at the end of the reporting period 4Q25 3Q25 2Q25 1Q25 4Q24 QoQ YoY 2025 2024 Var Net Interest Income 244,022 165,545 218,613 179,774 188,856 47.4% 29.2% 807,954 1,053,998 -23.3% NIFFI & Exchange Rate
Slide 32: Key Indicators
Key Indicators 4Q25 3Q25 2Q25 1Q25 4Q24 2025 2024 ROAE -7.7% na 5.8% 3.5% 13.9% -4.6% 15.7% ROAA -1.0% na 1.0% 0.6% 2.6% -0.7% 3.1% Profitability Net Interest Margin (NIM) 18.8% 10.8% 20.8% 19.2% 24.9% 17.1% 35.5% & efficiency Net Fee Income Ratio 20.1% 31.2% 19.4% 23.5% 21.2% 22.8% 14.7% Cost / Ass
Slide 33: Key Indicators
Key Indicators 4Q25 3Q25 2Q25 1Q25 4Q24 Retail Price Index (%) – QoQ 7.8% 6.0% 6.0% 8.5% 8.0% Retail Price Index (%) – YoY 31.5% 31.8% 39.4% 55.9% 117.8% UVA (var) 6.8% 5.4% 8.7% 7.2% 10.2% Macro Pesos/US$ Exchange Rate 1,366.58 1,194.08 1,073.88 1,032.50 data 1,459.42 Tamar ( eop) 28.9% 42.4% 33.6%
Slide 34: Annex II: Industry Outlook and Supplementary Information
Annex II: Industry Outlook and Supplementary Information IR-GrupoSupervielle@gruposupervielle,com,ar Ciudad de Buenos Aires, Argentina 34
Slide 35: Looking Ahead: Recovery Path Strengthened by Solid Macroeconomic Anchors
Looking Ahead: Recovery Path Strengthened by Solid Macroeconomic Anchors and Mid -Term Election Outcome, Setting the Momentum for Structural Reforms 2026 structural reforms approved Labor reform and & Mid-term elections Glacier Protection Law strengthened government’s FX Reserves approved ACHIEVEMEN
Slide 36: The Argentine Banking Business Has the Potential for Multiple Years of Growth
The Argentine Banking Business Has the Potential for Multiple Years of Growth Under -developed Banking System Credit penetration across the Loans / GDP region Source Morgan Stanley based on public information and company estimates. As of December 31, 20 25 Source Morgan Stanley based on public infor
Slide 37: 2024 First Year of Loan Growth Since 2017
2024 First Year of Loan Growth Since 2017 Loans to the Private Sector Evolution Loans to Private Sector (in real terms) (AR$ bn in real terms, December 2025) Source: BCRA Source: BCRA 94,6% 85,2% 134.230 132.277 129.670 63,2% 123.837 120.461 54,3% 111.589 36,7% 106.813 14,8% 22,2% 109.883 14,1% 97.1
Slide 38: Loans Continued to Expand but at a Slower Pace
Loans Continued to Expand but at a Slower Pace, Constrained by Tight Monetary Policy and Weak Economic Environment Loans to Private Sector [AR$ Bill, in real terms] +36.3% -3.6% +10.4% +12.8% +7.6% +1.7% -1.4% -2.5% +0.3% 105.368 116.353 131.219 141.252 143.626 141.557 137.951 138.424 4Q24 1Q25 2Q25
Slide 39: Financial Sector AR$ Deposits Declining in real terms in 1Q26
Financial Sector AR$ Deposits Declining in real terms in 1Q26; US$ Deposits Momentum Continue Private Sector Deposits [AR$ Bill. in Real terms] +13.7% -7.6% -2.1% +6.7% +4.5 % +4.1% -3.3% -2.3% -2.2% 157.942 154.684 165.112 172.496 179.628 173.675 169.735 165.965 4Q24 1Q25 2Q25 3Q25 4Q25 Jan 26 Feb
Slide 40: Ranking
Ranking Competition | Financial System in million of Ps as of December 2025 SUPV # 9 SUPV # 11 Argentine Financial System in terms of loans Argentine Financial System in terms of Deposits Assets Share Loans Share Deposits** Share Banco Nación 69,203,707 22.8% Banco Nación 25,224,618 19.2% Banco Naci
Slide 41: Regulatory Environment in Argentina
Regulatory Environment in Argentina The following table provides a summary of the most relevant regulations currently in place, A more detailed description of regulations is also included hereunder,grouped by topic, to facilitate understanding, Regulation Description Current Data (April 9, 2026) Tim
Slide 42: Regulatory Environment in Argentina [cont.]
Regulatory Environment in Argentina [ cont.] The following table provides a summary of the most relevant regulations currently in place, A more detailed description of regulations is also included hereunder,grouped by topic, to facilitate understanding. Regulation Description Limit Liquidity Coverag
Slide 43: Minimum Cash Reserve Requirements
Minimum Cash Reserve Requirements AR$ Checking & Savings Accounts (excluding mutual funds deposits) 8% set up in 53.5% 5% set up in 9% set up in treasury bonds +3.5pp -3.5pp 50% -5pp 45% treasury bonds treasury bonds +5pp 35,0% 31,5% 50,0% 31,5% 45,0% 45,0% 18,5% 18,5% 13,5% 2023 jun 25 aug 25 sep 2
Slide 44: Annex III: Macroeconomic environment
Annex III: Macroeconomic environment 44
Slide 45: Sharp Decline in Inflation Levels
Sharp Decline in Inflation Levels 01 Monthly Inflation [%] 02 Annual inflation Evolution [%] 30 350 25,5 211,4 289,4 300 25 250 20 200 15 94,8 150 117,8 10 100 53,8 31,5 29,1 5 24,8 33,1 50 47,6 50,9 36,1 2,9 0 0 dic-17 dic-18 dic-19 dic-20 dic-21 dic-22 dic-23 dic-24 dic-25 dic 26 e feb-23 feb-22 f
Slide 46: Interest Rates: From Steady Decline to Pre-Election Volatility
Interest Rates: From Steady Decline to Pre -Election Volatility; Normalization Seen in March 01 Interest rates [%] 4Q25 ( avg): Badlar: 35.57 3Q25 ( avg): 66,38 1Q25 (avg): 2Q25 ( avg): 66,00 Tamar: 38.30 4Q24 ( avg): Badlar: 42.83 3Q24 ( avg): Badlar: 32.7 Badlar: 36.7 Badlar: 29.9 Tamar: 45.73 Bad
Slide 47: Monetary Base Growth Decelerates, FX Reserves Bolstered by IMF Agreement
01 30-ene-24 29-feb-24 31-mar-24 30-abr-24 31-may-24 Source: Central Bank 30-jun-24 [AR$ Bn, %] 31-jul-24 31-ago-24 30-sep-24 31-oct-24 30-nov-24 Monetary base evolution 31-dic-24 31-ene-25 Monetary Base 28-feb-25 31-mar-25 30-abr-25 31-may-25 30-jun-25 31-jul-25 31-ago-25 YoY Growth 30-sep-25 31-oc
Slide 48: Economic Activity Sustains High Levels
Economic Activity Sustains High Levels, Even Amid Recent Short -Term MoM Swings Monthly E conomic indicator. Monthly Economic indicator. 01 Index, YoY Growth 02 Seasonally adjusted series. MoM Growth 180,0 40,0 15,0 160,0 155,3 30,0 10,0 150,0 160,0 149,0 140,0 20,0 5,0 140,0 130,0 10,0 0,0 120,0 12
Slide 49: Consumer Confidence Index
Consumer Confidence Index 01 Consumer confidence Index 3,5 102,1% 3 2,86 2,46 2,5 2,45 2,30 2 1,94 1,5 18,5% 17,5% 1 15,6% 12,2% 11,8% 9,9% 5,8% 7,1% 5,6% 6,8% 8,1% 2,7% 5,0% 4,9% 1,8% 0,5% 0,5 -0,5% -0,3% -5,4% -0,1% -0,6% -1,1% -4,4% -2,1% -3,7% -1,9% -3,7% -4,6% -3,5% -8,1% -9,1% -8,7% -1,8% -8,2
Slide 50: Unemployment Rises Recently but Remains Low by Historical Standards
Unemployment Rises Recently but Remains Low by Historical Standards 01 Unemployment [%] 13,1 11,7 11 10,6 10,4 10,1 10,2 9,6 9,7 9,6 9,2 9,1 9 9,1 8,7 8,9 8,3 8,2 7,7 7,6 7,9 7,6 7,5 7,2 7 7 6,9 7,1 6,9 6,9 6,4 6,6 6,3 6,2 5,7 5,7 50 Source Indec Unemployment
Slide 51: Government Determined to Maintaining Financial Balance
Government Determined to Maintaining Financial Balance, and Delivering Results 51 Fuente: Own estimates based on Ministry of Finance information
Slide 52: Trade Balance, Exports & Imports
Trade Balance, Exports & Imports 01 Foreign Trade – US$ millones 87.111 75.791 11.320 Trade Balance Exports Imports 52 Fuente: Own estimates based on INDEC information.
Slide 53: Trade Balance, Exports & Imports
Trade Balance, Exports & Imports Evolution of Argentina’s Export 01 Composition (%) 7 4 3 4 7 7 7 7 7 7 10 12 12 13 29 24 32 32 26 35 33 33 30 26 34 31 28 27 40 40 40 38 37 37 35 41 35 36 39 37 36 37 27 27 30 28 27 23 23 23 25 23 22 23 25 21 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 202
Slide 54: Energy & Mining - Trade Balance
Energy & Mining - Trade Balance 01 Trade Balance evolution (US$ Bn.) 75 71 63 64 54 28 31 23 22 45 18 32 15 25 7 21 16 6 42 43 44 13 6 36 40 9 30 6 25 5 19 3 15 6 8 10 2024 2025 2026e 2027e 2028e 2029e 2030e 2031e 2032e 2033e 2034 2035 Energy Mining 54 Source: Ministry of Economy
Slide 55: RIGI Driving Investments
RIGI Driving Investments Submitted Projects by industry projects Mining Oil & Gas Energy • Investment: USD 69,248 millions 32 • Job creation: 134,000 • Export potencial: 40, 269 millions • Projects: 18 • Projects: 8 • Projects: 3 • Investments: USD • Investments USD • Investments: USD 45,678 million
Slide 56: Tax reduction equivalent to 2.5% of GDP over two years
Tax reduction equivalent to 2.5% of GDP over two years Impact of tax reduction in 2024 and 2025 Impact as % of GDP Total impact 2024 2025 (2024+2025) Total 0.45% 1.99% 2.45% Personal Assets tax 0.42% 0.32% 0.75% Real Estate Transfer Tax 0.01% 0.02% 0.03% Export Duties 0.03% 0.44% 0.47% Import Duties
Slide 57: Annex IV: ESG Commitment
GRUPO a SUPERVIELLE Annex IV: ESG Commitment
Slide 58: ESG Strategy & Sustainable Growth
ESG Strategy & Sustainable Growth OUR COMMITMENTS OUR FOCUS AREAS Sustainable Finance Sustainable growth—protection of the environment Financial Inclusion for our Customers and and pursuance of our business strategy in a socially Energy Management Community responsible manner Natural Resources, Soci
Slide 59: Thank You!
Thank You! IR-GrupoSupervielle@gruposupervielle.com.ar Reconquista 330, (C1003ABH), Ciudad de Buenos Aires, Argentina
Grupo Supervielle — Latin Securities Argentina in New York (April 2026) on 6ix