Grupo Supervielle SA (FRA:189A)

Q3 2025 Grupo Supervielle SA Earnings Call Transcript

Nov 26, 2025 / 02:00 PM GMT

Release Date Price: €9.3 (+7.51%)

Transcript

Key Points

Positve

Grupo Supervielle SA (SUPV) reported strong deposit growth, with a 15% increase quarter-on-quarter and over 40% year-on-year.
Dollar deposits reached a record high, increasing by 31% sequentially.
The company maintained a sound capital base with a CTR1 ratio of 13.2%, rising to 14.5% in October.
Grupo Supervielle SA (SUPV) is on track with its strategic initiatives, including scaling its super app and enhancing customer engagement.
The company anticipates real loan growth of 35-40% for 2025, driven by corporate lending and improving disposable income.

Negative

Net financial income declined by 43% sequentially due to macro and regulatory headwinds.
Funding costs increased significantly, impacting profitability due to high interest rates and reserve requirements.
The central bank's increased reserve requirements tightened liquidity, negatively impacting financial margins.
The sharp rise in real interest rates resulted in a negative spread on the UVA mortgage portfolio, affecting financial margins.
Grupo Supervielle SA (SUPV) expects a high net cost of risk, projected at 5.8% to 6.3%, reflecting challenging asset quality trends.

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

SUPVm.BA - Grupo Supervielle SA
Q3 2025 Grupo Supervielle SA Earnings Call
Nov 26, 2025 / 02:00PM GMT

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Presentation
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On the funding side, deposit growth was strong, up 15% quarter on quarter in real terms and over 40% year on year.

Dollar deposits climbed to another record high, up 31% sequentially. A remunerated account strategy continues to to gain traction and helping deepen client relationships.

Profitability was most impacted, mainly due to margin compression and a higher cost of risk. Partially mitigating this, we maintain a tight control on cost, which declined 2% quarter on quarter and 12% year to today in real terms.

We maintain a sound capital base to support growth as monetary policy continues to ease and loan demand resumes. Our CTR1 ratio reached 13.2%. At quarter end and rose to 14.5% in October supported

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