Grupo Supervielle Sa Class B · BCBA:SUPV
Grupo Supervielle Sa Class B — Q2 2017 Earnings Presentation
17 slides from Grupo Supervielle Sa Class B's earnings presentation, Aug 10, 2017
Slide 1: Grupo Supervielle 2Q17 Earnings Conference Call
GRUPO a SUPERVIELLE ‘a SUPERVIELLE Tarjeta Automatica s.a. ” t 288 Ae J La fed Cor nference Call ¢ Peete Mf ee | “Cordial § g 7] |) Zz y- YE MES oo SUPERVIELLE
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: Second quarter 2017 highlights
COMPANY PRESENTATION Second quarter 2017 highlights GRUPO a SUPERVIELLE Strong results underpin focus on profitable growth RRQ QQe ROBUST PROFITABILIY with net income up 245% YoY and 52% QoQ. Excluding non-recurring items, net income increased 202% YoY and 22% QoQ. FOCUS ON PROFITABLE LOAN AND DEPOS
Slide 4: Macro overview
COMPANY PRESENTATION . GRUPO - Macro overview SUPERVIELLE | Strong pick-up in economic activity while consumption continues to lag behind; Central Bank remains committed to continue lowering inflation [4 GROWTH (%] Bo [%] Sol 37 137 | : : : : : : : Mar Apr May Jun Jul Ago Sep Oct Nov Dec Jan Feb Mar
Slide 5: Financial sector overview
COMPANY PRESENTATION Financial sector pure, Pm | Solid growth in system deposits and loans, mainly US$-denominated loans; SUPV performance reflects focus on profitable growth and robust deposit franchise BBP Lo ANs To PRIVATE SECTOR [ARS Bill] BBP 10 TAL DEPOSITSLARS Bill f 51.3% 1 2Q16 3Q16 4Q16 1Q
Slide 6: Supervielle loan performance
Supervielle loan performance GRUPO a SUPERVIELLE Focus on profitable growth drives loan book expansion of 51% YoY and 8% QoQ TOTAL LOANS BREAKDOWN Loans & Leasing, plus Sec LOANS & LEASING, PLUS SECURITIZED PORTFOLIO [AR$ Mill.) ortfolio ritized Pc 12,226] a z [29,450] 2,040) 53 40 axe b7 330m? 904m
Slide 7: Loan performance
GRUPO - SUPERVIELLE Loan performance Growth driven mainly by expansion in corporate and retail loan portfolios, while soft retail sales impacted consumer finance loans | | TOTAL LOAN PORTFOLIO BREAKDOWN BY SEGMENT Loans & Leasing, plus Securitized Portfolio [AR$ Mill.]? CORPORATE RETAIL CONSUMER FIN
Slide 8: Funding
COMPANY PRESENTATION GRUPO a . SUPERVIELLE j Funding Strong deposit growth supports loan expansion & liquidity profile BB TOTAL Deposits :Aks Mill BBP 1 0TAL DEPOSITS + MEDIUM TERM NOTESLARS Mil [49,534] fo702] 2016 3016, no AQ" 1Q)7 2Q17 206 «= 3016S 0=Ssi17S—SS—«07 MARS Deposits ™ Fx Deposits Q ar
Slide 9: Funding
GRUPO a . SUPERVIELLE Funding High quality funding with increased share of low cost retail deposits BBP DePosits Q-Q VARIATION (%1 BBP eros BREAKDOWN (%1 H 28 H i 29 i H 28 H ' ' 4 ' t 3 t : Wholesale/Institutional Retail : : : 28 : ° : c : se) : 5 - - 7 ° ° Corporate Senior Citizen Service Center :
Slide 10: Gross financial margin & NIM
GRUPO a SUPERVIELLE J Gross financial margin & NIM Total NIM increased 110bps QoQ to 19.8% from 18.7% in 1Q17, despite the 20 bps decrease in the Badlar rate during the period BBB GROSS FINANCIAL MARGIN [AR$ Mill. BB Neri TeRest MARGIN [NIM -%1 | 68.5% TOTAL AR$ 4,061.0 uss 2,133.2 Loan Portfolio 1,
Slide 11: Service fee income & income from insurance activities
GRUPO a . . . . eee SUPERVIELLE Service fee income & income from insurance activities Net service fee income grows above inflation YoY, while non-credit related insurance supports positive dynamics in income from insurance activities BBB 7 SERVICE FEE INCOME LARS Mill] Te FROM INSURANCE ACTIVITIES [
Slide 12: Asset quality
GRUPO a SUPERVIELLE Asset quality Maintain vigilant focus on credit risk with NPLs stable QoQ despite 1H seasonally higher delinquency rates in consumer finance; July lagged delinquency improving BBP Lo AN Loss PROVISIONS EVOLUTION BBB CONSUMER FINANCE - LAGGED DELINQUENCY Coverage 30+ Lagged Delinq
Slide 13: Administrative expenses & efficiency ratio
GRUPO a SUPERVIELLE Administrative expenses & efficiency ratio Increased profitability supports YoY and QoQ efficiency gains | | ADMINISTRATIVE EXPENSES & EFFICIENCY RATIO[AR$ Mill.) Personnel) 995.2 1278.8 1322.0 «3.4% 46.0% Expenses Non Personnel 553.5 6073 698.8 15.1% 26.2% Expenses Total Adminis
Slide 14: Profitability
GRUPO a SUPERVIELLE Profitability Net income more than doubled YoY and increased 52% QoQ | Aa INCOME [AR$ Mill. > Net income of AR$579.7 Mn in 2Q17, up 245.2% YoY, and 51.8% QoQ. Excluding one-time items in 2Q17 and 1Q17, net income increased 202% YoY and 22% QoQ. * Ps.60 Mn from the sale of a prope
Slide 15: Capitalization
GRUPO a SUPERVIELLE j Capitalization Successfully executing on capital deployment plan BBD CAPITAL DEPLOYMENT [Tier | ratio 961 81 15.3 : =: | March-16 Capital Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Tier | Ratio injection proformawith proformaas proformaas prof
Slide 16: Supervielle increases 2017 guidance
COMPANY PRESENTATION GRUPO - SUPERVIELLE J Supervielle increases 2017 guidance 2017 MACRO ASSUMPTIONS FY 2017 EXPECTATIONS (6) Original | Updated 43-50 % a> ee L 38-45% Efficiency _ £70 AR$ 2.1 - 2.3 Bill. 10.5 - 11.2% AR$ 2.2 - 2.4 Bill. | | | | | af 1 Source: Market Expectations Survey as of Janua
Slide 17: SUPERVIELLE
GRUPO | a SUPERVIELLE