Q4 2025 Grupo Supervielle SA Earnings Call Transcript
Key Points
- Loan growth outperformed the industry, with total loans growing 8% sequentially and 37% year-over-year, driven by corporate lending.
- US dollar deposits increased 42% year-over-year, gaining 60 basis points of market share.
- Net interest margin (NIM) rebounded sequentially, supported by lower funding costs and better investment portfolio yields.
- CET1 capital ratio strengthened to 15.4%, up 220 basis points quarter-over-quarter, preserving flexibility for 2026 growth.
- The Supervielle app continues to evolve as a financial hub, with over 70% of transactions being digital, enhancing engagement and operating efficiency.
- The non-performing loan (NPL) ratio increased to 5%, reflecting elevated system-wide credit stress.
- Grupo Supervielle reported an attributable net loss of AR 19.5 billion, despite narrowing from the previous quarter.
- Loan loss provisions increased 75% sequentially, driven by higher system-wide delinquency and updated macroeconomic assumptions.
- Total deposits declined sequentially due to strategic deleveraging, particularly in higher-cost wholesale institutional funding.
- Retail loan balances declined 4% sequentially, reflecting stricter underwriting standards amid elevated rates and higher system-wide delinquency.
Good morning, and welcome to Grupo Supervielle's fourth quarter 2025 earnings call. I'm Ana Bartesaghi, Treasurer and IRO. Today's conference call is being recorded. (Event Instructions) Speaking today are Patricio Supervielle, our Chairman and CEO; and Mariano Biglia, our CFO.
Gustavo Paco Manriquez, Banco Supervielle's CEO; and Diego Pizzulli, CEO of Inverted Online, will also be available during the Q&A session. Before we begin, please note this call may include forward-looking statements. Please refer to our earnings release and SEC filings for further details.
Thank you, Ana. Good morning, everyone, and thank you for joining us today. In the fourth quarter, we delivered results within our guidance range and positioned the balance sheet for industry recovery. The period was marked by elevated system-wide credit stress, which we were not immune to. However, in
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