Grupo Supervielle SA (FRA:189A)

Q4 2024 Grupo Supervielle SA Earnings Call Transcript

Mar 11, 2025 / 02:00 PM GMT

Release Date Price: €11.1 (-3.48%)

Transcript

Key Points

Positve

Grupo Supervielle SA (SUPV) achieved significant loan book expansion, with a 27% quarter-over-quarter increase and a 1107% year-on-year growth, surpassing industry growth rates.
The company's digital transformation strategy, initiated in 2020, has been successfully completed, enhancing operational agility and positioning Grupo Supervielle SA (SUPV) as a tech-driven institution.
Retail loans, which offer higher margins, increased to 48% of the total portfolio, up from 40% a year ago, indicating a strategic shift towards more profitable segments.
Grupo Supervielle SA (SUPV) maintained a strong capital position with a CET1 ratio of 16.1%, supporting continued growth and strategic initiatives.
The company's digital brokerage platform, IOL, saw a 57% increase in accounts and a 70% rise in average monthly active users, reinforcing its leadership in Argentina's digital brokerage market.

Negative

The non-performing loan ratio increased slightly to 1.3%, although it remains within historically low levels.
Net interest margins are expected to adjust downwards to 18-20% in 2025 due to lower inflation and increasing leverage, potentially impacting profitability.
The competitive environment is intensifying, with expectations of declining spreads as interest rates decrease.
Grupo Supervielle SA (SUPV) anticipates a gradual increase in the NPL ratio to 2-2.2% in 2025, reflecting increased lending activity and a more balanced loan mix.
Operating expenses are expected to grow below inflation, which may challenge the company in managing costs effectively while supporting loan growth of 60% in real terms.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SUPVm.BA - Grupo Supervielle SA
Q4 2024 Grupo Supervielle SA Earnings Call
Mar 11, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning everyone and welcome to Grupo Supervi's fourth quarter and end 2024 earnings call.

I'm Arusher and IRO. Today's conference call is being recorded. As a reminder, all participants will be in listen-only mode. To ask questions during the Q&A session and show your first and last name appear on the Zoom platform. Questions can be asked by voice or through the Q&A box. Speaking today will be Patricio Superviel, our Chairman and CEO, Gustavo Paco Enrique Franco Supervi Cio, Diego Picoli, CEO of Inter online, and Mariano Viglia, our CFO. All will be available during the Q&A session.

Before we begin, I'd like to remind you that today's call may include forward-looking statements which are based on

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