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Grupo Supervielle (SUPV) investor relations material
Grupo Supervielle Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary26 Nov, 2025
Executive summary
Third quarter 2025 was marked by severe macroeconomic and regulatory headwinds, including high real interest rates, record reserve requirements, and pre-election volatility, resulting in a net loss of ARS 50.3 billion.
Loan growth remained solid at 8% in real terms, led by corporates, while retail declined due to tightened origination standards.
Deposit growth was strong, up 15% quarter-on-quarter and over 40% year-on-year, with US dollar deposits reaching record highs.
Asset quality weakened, with NPL ratio rising to 3.9%, mainly in retail, and early commercial loan stress emerging.
Strategic initiatives advanced, including digital innovation (SuperApp), expansion into mining and oil & gas, and a new sponsorship with the national soccer team.
Financial highlights
Net financial income declined 43% sequentially due to increased funding costs and compressed spreads.
Peso NIM dropped to 11.7% and total NIM to 10.8%, down sharply from prior quarters.
Funding costs rose by ARS 56 billion, and higher reserve requirements negatively impacted liquidity by ARS 21 billion.
Net fee income rose 7-8.8% QoQ, supported by brokerage and banking fees.
CET1 ratio reached 13.2% at quarter end, rising to 14.5% in October.
Outlook and guidance
Real loan growth for 2025 expected at 35%-40%, led by corporates, with retail resuming as disposable income improves.
Deposits forecast to grow 30%-35%, with further gains in USD balances.
NPL ratio expected between 4.7%-5.1%; net cost of risk projected at 5.8%-6.4%.
NIM anticipated between 15%-18% for the year, but remains pressured by high rates and reserve requirements.
ROE for 2025 expected between -5% and 0%; for 2026, high single digits or low double digits, with a medium-term target of 15%-20%.
Quantify 3Q25 NIM pressure from regulatory actions?
Detail September regulatory capital cap impact
Assess early impact of IOL integration and new branches
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Explore asset rotation for capital efficiency.
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Next Grupo Supervielle earnings date
Q4 20252 Mar, 2026
Next Grupo Supervielle earnings date
Q4 20252 Mar, 2026
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Frequently asked questions
Grupo Supervielle S.A. is an Argentina-based financial services company offering a broad range of banking and financial products to individuals and businesses. Its services include retail and corporate banking, consumer and SME loans, insurance, asset management, and other financial solutions. Grupo Supervielle operates through a network of branches and digital platforms under various brands, catering to diverse customer segments in Argentina. The company is headquartered in Buenos Aires, Argentina, and its shares are listed on the Buenos Aires Stock Exchange and the New York Stock Exchange.
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