Grupo Supervielle (SUPV) Corporate presentation summary

Strategic overview and business model

• Focused on building a customer-centric financial ecosystem, integrating banking, insurance, asset management, and digital investment services with a strong emphasis on technology and cross-selling initiatives.

• Largest digital broker in Argentina, leveraging scalable, AI-driven platforms and partnerships to drive engagement and operating leverage.

• Strategic focus on profitable growth through targeted segments, especially corporates in mining, oil & gas, and the Mendoza wine region, with disciplined retail expansion.

• Subsidiaries span banking, insurance, asset management, and digital brokerage, supporting a diversified service offering.

Financial performance and operating results (1Q26)

• Net income before extraordinary severance charges turned positive, with adjusted net income at AR$6.7bn and adjusted ROAE of 2.5%.

• Loans declined 5.6% QoQ due to selective origination and peso appreciation, while USD loans grew 12.8% in original currency.

• Deposits fell 4.7% QoQ, reflecting a deliberate reduction in high-cost wholesale funding; USD deposits rose 6% in original currency.

• NIM at 17.7%, supported by lower cost of funds; CET1 capital ratio stable at 15.4%.

• Efficiency program reduced headcount by 15%, generating AR$33bn in annual personnel savings.

Asset quality and risk management

• NPL ratio at 5.6%, up from 5.0% in Dec-25, but showing early signs of stabilization and improvement in March.

• Net cost of risk declined to 6.0% from a 4Q25 peak of 10.4%, reflecting proactive collection and refinancing initiatives.

• Retail loan origination focused on payroll and pension clients, with 87% of personal loans granted to these segments.

• Commercial loan portfolio is well-diversified across industries, with 44% of non-performing commercial loans collateralized.

• SUPV’s NPL ratio remains below the system average, with the gap widening.