Grupo Supervielle SA (FRA:189A)

Q2 2025 Grupo Supervielle SA Earnings Call Transcript

Aug 14, 2025 / 01:00 PM GMT

Release Date Price: €8.4 (-8.70%)

Transcript

Key Points

Positve

Grupo Supervielle SA (SUPV) reported a 62% sequential increase in net income, reaching 13.6 billion pesos, driven by higher net financial income and lower inflation adjustment.
The company achieved a record high in US dollar deposits, which increased by 154% year on year and 16% sequentially, demonstrating strong client trust and a solid funding base.
Loan growth outpaced the industry, with a 14% sequential increase and a 71% year-on-year increase in real terms, particularly in commercial lending.
Grupo Supervielle SA (SUPV) maintained a solid capital position with a CD1 ratio of 13.9% and delivered a 6% return on equity in real terms.
The company is seeing early success in its strategic initiatives, such as the innovative remunerated account and the GEI-powered WhatsApp channel, which are enhancing client engagement and expanding the deposit base.

Negative

The company faced a 32% increase in loan loss provisions due to higher risk weighting from retail lending, reflecting early signs of industry-wide asset quality deterioration.
Net fee income decreased by 13% as banking fees were not adjusted in the quarter, and there was a lower contribution from the brokerage business.
Expenses rose by 4% due to seasonally lower costs in the prior quarter, impacting overall profitability.
The NPL ratio increased from 2% to 2.7%, indicating a deterioration in asset quality, particularly in the retail segment.
The macroeconomic environment remains challenging with tight peso liquidity, high real interest rates, and election-related uncertainty affecting growth prospects.

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

SUPVm.BA - Grupo Supervielle SA
Q2 2025 Grupo Supervielle SA Earnings Call
Aug 14, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning everyone and welcome to Grupo Superviel 2nd quarter earnings call. Emmanu Arteai, treasurer 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, ensure 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, and Mariano Viglia, our Chief Financial Officer. Gustavo Paco Enriquez, Banco Supervill CEO and Diego Picoli, CEO of Inverting online, will also be available during the Q&A session.

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