Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q2 2020 Earnings Presentation
29 slides from Grupo Supervielle Sa Class B's earnings presentation, Aug 21, 2020
Slide 1: Conference Call
Conference Call 0
Slide 2: Disclaimer
GRUPO a SUPERVIELLE fb Disclatuer
Slide 3: Long-term sustainability strengthened with COVID-19 mitigating initiatives
GRUPO > 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 4: Strong Commitment to Customers & Community
Strong Commitment to Customers & Community Support through different Lending programs Assisting in the Fight Against COVID-19 ° AR$ 7.1 billion in new Loans granted to SMEs and middle market companies *AR$ 264 million in Zero interest rate financing *AR$ 3 billion in Automatic rescheduling on unpaid
Slide 5: Digital Transformation & Accelerated Adoption
Digital Transformation & Accelerated Adoption GRUPO > SUPERVIELLE 6 TIT BANKING BUSINES \ Participation [%] ) ECHEQ issuance” €-Factoring” Time Deposits” - 2Q-2020 vs 19-2020 0 f . Cashier —— Exponential growth Increased °70% of total 5 ¥68% reaching Ar$ 4B volume through digital [i] Home Banking >
Slide 6: Increase in Digital Indicators [Feb/Jul 2020]
Increase in Digital Indicators! [Feb/Jul 2020] crupo J SUPERVIELLE INSTITUTIONAL Website PERSONAL Online Banking PERSONAL Mobile Banking SENIOR CITIZENS “Fe de Vida” App CONSUMER FINANCE Application Geers eal || |* 5 | Visits
Slide 7: Challenging Macro Environment Impacted by COVID-19
Challenging Macro Fur Covid-19 drives sharp drop in industrial production, with some economic indicators hinting at a possible rebound ... ——Economic Indicator (MoM var) 170 Industrial Production 120 \ 70 Source Indec. Base 2004. Source: Indec, REM BCRA July 2020 .. putting pressure on expected infl
Slide 8: [AR$ Bill. in Nominal terms] [Original Currency]
[AR$ Bill. in Nominal terms] [Original Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 7
Slide 9: [AR$ Bill. in Nominal terms] [Original Currency]
[AR$ Bill. in Nominal terms] [Original Currency] [in AR$ Bn. in Original Currency] [in US$ Bn.] 8
Slide 10: [AR$ Mill.] 1) [AR$ Mill, in Original Currency] 1)
[AR$ Mill.]1) [%] [AR$ Mill, in Original Currency]1) 9
Slide 11: Loan portfolio breakdown: Corporate, Personal & Business
[AR$ Mill]1) [AR$ Mill]1) [%]1) Corporate Portfolio breakdown2) Personal & Business Portfolio breakdown 10
Slide 12: Funding & Liquidity
Funding & Liquidity cruro J SUPERVIELLE Strong liquidity strengthens capital base to navigate complex and rapidly changing environment. Total deposits up 10.8% QoQ Funding (Arg Mi] Liquidity /%/ Jun 19 Sep 19 Dec19 Mar20 Jun20 14.8% -18.6% +24.0% +9.0% 229,449 195,489 «159,084 197,296 215,072 L____(
Slide 13: Deposit breakdown by customer and product
Breakdown [%] By Customer By Product AVG [AR$] EOP BALANCE 12
Slide 14: Net Financial Income (NFI) & NIM
J is Net Financial Income (NFI) & NIM GRUPO > SUPERVIELLE NFI up 16% QoQ & NIM up 70 bps on asset growth, taking advantage of higher spreads, lower reserve requirements & a better AR$ investment portfolio mix Net Financial Income ARs Mi] NIM [%/ { -5,3% } , 2Q19, 3Q19) 4Q19_-—-1Q20) = 2Q20 | p62 rts
Slide 15: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%]1) 14
Slide 16: Asset quality
Asset quality GRUPO > 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 Evodution 1077 86.1 83.0 996 1271 Coverage 9
Slide 17: Supervielle Loans - Risk Management
Supervielle Loans- Risk Management Loans breakdown by industry? /%/ Families and individu. es 42,2 Agribusiness 9,9 Food & Beverages = =9 5 Civil Construction _!!_7 3 Utilities mm 3,8 Oil, Gas & Mining ml 3,7 Financial Mil3, Wine = 2,9 Automobile m 2,2 Retailer m 1,8 Chemicals & plastics ™ 1,4 Trans
Slide 18: 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 19.000 17.000 15.000 13.000 11.000 9.000 7.000 5.000 3.000 1.000 -1.000 Personnel and Administrative Expense
Slide 19: [AR$ Mill.] [AR$ Mill.]
[AR$ Mill.] [AR$ Mill.] [%] [%] 18
Slide 20: 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 (Tier / Ratio %}” 5 04% a 05% aml ms 10% 13,3% Mar 20 2Q20 Expected loss Net Result RWA Other Inflation regulato
Slide 21: Loans, Deposits, Asset Quality, NIM, Expenses, Fee Income, Capital & Liquidity
Loans Deposits Asset Quality NIM Operating Expenses Fee Income Capital & Liquidity 20
Slide 22: Contents: Q&A
GRUPO a SUPERVIELLE im Q&A
Slide 23: Annex
GRUPO a SUPERVIELLE Annex
Slide 24: 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 oo 2Q20 1920 4Q19 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% NIFFI & Exchange Rate Di
Slide 25: 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 2Q20 1Q20 4Q19 3Q19 2Q19 ROAE 14.4% 77% 6.9% -36.2% 12.9% ROAA\ 2.0% 1.0% -0.9% 42% 14% Net Interest Margin (NIM)| 23.5% 22.8% 28.8% 74% 22.0% Net Fee Income
Slide 26: Key Indicators
KEY INDICATORS cruro > SUPERVIELLE In millions of Ps. stated in terms of the measuring unit current at the end of the reporting period Profitability & Efficiency 2Q20 1Q20 4Q19 3Q19 2Q19 Retail Price Index (%): 54% 7,8% 17% 125% 95% Avg. Retail Price Index (%) 43,9% 50,5% 52,1% 54,1% 56,3% UVA (van)
Slide 27: Income Statement & Balance Sheet (Managerial Information)
INCOME STATEMENT & BALANCE SHEET cwuro SUPERVIELLE Managerial Information Non-restated figures - In millions of Argentine Ps. Income Statement 2Q20 1Q20 4Q19 3Q19 2Q19 QoQ YoY Net Interest Income 8,109.2 6,840.0 4,412.3 1523.8 1,370.7 18.6% 491.6% NIFFI & Exchange Rate Differences 941.8 397.4 3,245.
Slide 28: Key Indicators
KEY INDICATORS Non-restated figures - In millions of Argentine Ps. Profitability ee 2Q20 1Q20 4Q19 3Q19 2Q19 ROA 32,4% 26,4% 28,4% 6,2% 42,2% ROA 3,7% 35% 3,7% 0,7% 47% GRUPO > SUPERVIELLE
Slide 29: Thank You!
Thank You! 28