[PPT] - Grupo Supervielle Company Presentation 3Q 2016 Disclaimer This PowerPoint Presentation

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Grupo Supervielle

Company Presentation 3Q 2016

SLIDE 2

Disclaimer

This presentation contains certain forward-looking statements that reflect the current views and/or expectations of Grupo Supervielle and its management with respect to its performance, business and future events. We use words such as “believe,” “anticipate,” “plan,” “expect,” “intend,” “target,” “estimate,” “project,” “predict,” “forecast,” “guideline,” “seek,” “future,” “should” and

ther similar expressions to identify forward-looking statements, but they are not the only way we identify such statements. Such

statements are subject to a number of risks, uncertainties and assumptions. We caution you that a number of important factors could cause actual results to differ materially from the plans, objectives, expectations, estimates and intentions expressed in this

release. Actual results, performance or events may differ materially from those in such statements due to, without limitation, (i)

changes in general economic, financial, business, political, legal, social or other conditions in Argentina or elsewhere in Latin America or changes in either developed or emerging markets, (ii) changes in regional, national and international business and economic conditions, including inflation, (iii) changes in interest rates and the cost of deposits, which may, among other things, affect margins, (iv) unanticipated increases in financing or other costs or the inability to obtain additional debt or equity financing

n attractive terms, which may limit our ability to fund existing operations and to finance new activities, (v) changes in

government regulation, including tax and banking regulations, (vi) changes in the policies of Argentine authorities, (vii) adverse legal or regulatory disputes or proceedings, (viii) competition in banking and financial services, (ix) changes in the financial condition, creditworthiness or solvency of the customers, debtors or counterparties of Grupo Supervielle, (x) increase in the allowances for loan losses, (xi) technological changes or an inability to implement new technologies, (xii) changes in consumer spending and saving habits, (xiii) the ability to implement our business strategy and (xiv) fluctuations in the exchange rate of the

Peso. The matters discussed herein may also be affected by risks and uncertainties described from time to time in Grupo

Supervielle’s filings with the U.S. Securities and Exchange Commission (SEC) and Comision Nacional de Valores (CNV). Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as the date of this

document. Grupo Supervielle is under no obligation and expressly disclaims any intention or obligation to update or revise any

forward-looking statements, whether as a result of new information, future events or otherwise.

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Institutional Presentation

Macro Overview

Decreasing Inflation Supports Expectations of Recovery in 2017 Despite Slower than Anticipated Economic Activity in 2H16

According to October´s Market Expectations Survey, Lebac Rate for December 2016 increased to 25.1% from 25.0% in August and 25.5% in July. Current LEBAC 26.25%

Badlar Rate (Private Banks Deposit Rate)

In AR$ billion

Inflation

33.0% 30.8% 31.2% 38.0% 38.0% 34.3% 30.8% 30.3% 28.3% 26.8% 25.1%

End of period

Source: REM. BCRA

21.0% 24.1% 27.5% 30.2% 24.6% 21.1% 27.3% 30.8% 26.6% 22.2% 3Q15 4Q15 1Q16 2Q16 3Q16 Badlar Avg. Badlar EoP

Source: Daily Report BCRA Source: Monetary Policy report BCRA: October 2016. Expected Dec 16 monthly inflation at 1.5%, down from 1.6% in August and from the 1.8% in July

2.3%

2.6%

2.4% 0.4%

3.4%
2.3%
2.0%

3.2% 2013 2014 2015 1Q16 2Q16 3Q16e* 2016e 2017e 2013 2014 2015 1Q16 2Q16 3Q16e* 2016e 2017e

Source: Monetary Policy report BCRA: October 2016. Expected -2.0% GDP for 2016 down from -1.5% in August’s and July’s Market Expectations Survey BADLAR is Buenos Aires Deposits of Large Amount rate. Current BADLAR rate 21.0%

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723 805 823 890 946 7.5% 11.3% 2.3% 8.1% 6.3% 8.4% 9.7% 2.8% 16.2% 13.0% 3Q15 4Q15 1Q16 2Q16 3Q16

Loans to Private Sector QoQ growth SUPV growth

Loans to Private Sector Deposits from Private Sector

In AR$ billion In AR$ billion

Financial Sector

System Loans and Deposits Continue to Expand Below Rate of Inflation

30.8% 37.2%

Source: Daily Report BCRA

908 1,049 1,105 1,182 1,246 5.0% 15.4% 5.4% 6.9% 5.5% 2.7% 14.1%

2.0%

12.6% 15.9% 3Q15 4Q15 1Q16 2Q16 3Q16

Deposits from Private Sector QoQ growth SUPV growth Source: Daily Report BCRA

Supervielle beats system loan and deposit growth.
Loans to private sector rose 6.3% QoQ, driven mainly by increases of 7% in corporate loans (31% in U.S. dollar denominated

loans) and 10% in personal loans.

Deposits from private sector up 5.5% QoQ and 37.2% YoY, reflecting growth in time deposits and US$ deposits.
Badlar rate down 440 basis points QoQ to 22.2% at the end of September and 21.2% at the close of October, mirroring the

decline in the Lebac rate.

SLIDE 6

The Argentine Banking Business has the Potential for a New Growth Cycle

Underpenetrated financial system with growth expected at least 2x over next five years

Notes

1. Source: IMF WEO Database as of October 2015
2. Source: Inter-American Development Bank & Each country’s insurance regulator
3. As of Dec-15 for all countries except Argentina (as of Sep-15)
4. Source: Each country’s financial regulatory agencies. Include State-owned banks

Argentina: Third Largest Economy of Latin America

2015E GDP (PPP US$ Bn)(1)

Under-developed Banking & Insurance System

As a % of GDP (%)(2)

15.7 18.3 22.4 13.8 23.6 12.1 2015E GDP Per Capita (PPP US$) 4.3 2.6 2.4 1.8 1.9 1.5

%

2015 Insurance Premiums Written(3) 2015 Loans to the Private Sector

...and Strong Capitalization Levels

Shareholders’ Equity as a % of Total Assets (%)

…In a less concentrated Banking System…

December 2015 Total Assets Market Share of the Top 5 Banks of Each Country (%)(4)

3,208 2,220 964 665 424 385

Brazil Mexico Argentina Colombia Chile Peru

11.3 11.2 11.5 12.1 12.5 12.3

2010 2011 2012 2013 2014 2015

79.4 49.3 47.8 31.4 18.7 13.8

Chile Brazil Colombia Peru Mexico Argentina

86.5 74.1 73.2 72 63.4 51.3

Peru Brazil Chile Mexico Colombia Argentina

SLIDE 7

Institutional Presentation

SUPV at a glance……

1 2 3

 Fast growing financial services group in Argentina  We operate a network and client base with a strong capacity for growth with the new capital raised in IPO  We are a universal financial services platform with nation-wide distribution and leadership position in consumer finance, retirees, SME and middle market with high margin and potential for continued growth 3Q16: SUPV Financial Performance

4

 Net Income up 126% YoY and 160% QoQ as Supervielle Executes on Growth

Strategy. Operating Leverage Delivers Efficiency Ratio of 62.5% in 3Q16.

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Julio Patricio Supervielle Economic interest 53.7% Voting rights 80.7% Float 47.3%

Shareholders [%]

Controlling shareholder Julio Patricio Supervielle, and 47.3% free float. US$ 323 million IPO completed on May 19, 2016 (US$ 253 million primary and US$ 70 million secondary)

SLIDE 10

Notes: All figures as of September 30, 2016; assumed ARS/USD 15.26

1. Total loans and leasing; includes securitized portfolio
2. Argentine Financial System excluding public banks

3.includes 145 bank branches, 32 senior citizen centers, 11 banking payment and collection centers, 67 CCF sales points in Walmarts, 20 consumer finance branches and 41 consumer finance sale points and 9 microfinance branches

4. Last twelve month

5.Figures as of Septem,ber 30, 2016

Who we are

Consumer Finance Asset Management Services Insurance

Integrated Financial Platform(5) Track Record of Strong Growth(5)

2001 Sep 16

93 2,179 Loans (US$MM) (6) Distribution Network (3) Employees 23 325 515 4,911 Δ 23x Δ 14x Δ 10x

2001 Sep 16 2001 Sep 16

Main Segments Cross-Selling Segments

Corporate Banking Retail Banking $0,9Bn Loans (1) $1.3Bn Deposits $163MM Deposits $258MM Loans $631MM AUM $42.1MM GWP4 $15.1MM Net Revenue4 $0.9Bn Loans (1)

Growth and Success

Loan Market Share

Financial System – Excluding Public Banks(%)

4.0% 0.2%

0.0 1.0 2.0 3.0 4.0 2001 2003 2005 2007 2009 2011 2013 2015 jun-16

4.2%

Excluding Securitized Portfolio

Ample Room for Growth in our Network

Loans per Branch in ARS MM Track record of strong organic growth combined with strategic acquisitions

(2)

High Growth Financial Services Franchise in an Industry with Strong Potential

1.8MM Customers 5k Customers 420k Customers

127 137 195 238 298 19 21 18 25 16 146 158 213 263 314 Banco Supervielle Macro Private System Frances Galicia

Mar 16 (pre IPO) Var Mar 16-Jun 16

Mar 16 (pre IPO)

1,738 325 4,884

May 19, 2016 Mar 16 (pre IPO) Mar 16 (pre IPO)

SLIDE 11

Notes

1. Includes 145 bank branches, 32 senior citizen centers and 11 banking payment and collection centers

2.Market shares based on Private Financial System in Argentina as of June 2016. Figures exclude securitized portfolio

3. Factoring market share around 7%. Market share based on private banks sector as of June 2016

Distribution Network and Client Base with Strong Growth Potential

Nationwide Network & Leadership in Core Products

Strong origination capacity for growth with the new capital

Branches: 20
Sale Points: 41
Employees: 495
Branches: 67 (inside

Walmart Stores)

Employees: 701
Access Points(1): 188
Self Service: 167
ATMs: 487
Employees: 3,451

Presence in Argentina’s major regions and cities where the GDP per- capita is above US$12,000 Leadership in Core Products with Competitive Advantage

Product Market Share Personal Loans(2) 6.6% Leasing (3) 12.2% Factoring (3) 7.0% Active Mastercard Cards(2) 7.8% Social Security Payments to Senior Citizens 12.9%

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Leading Consumer Finance Business

Strategic partnership with Walmart provides access to middle and

low income population – Agreement renewed in 2014 for 4th consecutive time through 2020 – Longstanding agreement with extensive infrastructure investments from both parties

Hiper Tehuelche and Tarjeta Automática complement presence in

Patagonia region

Strong growth potential:

– Expansion of Walmart stores, combined with deeper penetration rates – Cross-selling and loyalty programs

First private MasterCard issuer

Main Distribution Channels

Sales & Collections Centers Clients Coverage Loans 67 355K Larger Cities 38 65K Patagonia ARS 3.9Bn

Differentiated Retail Focus

Customer-Oriented, Complementary Distribution Networks:

Bank Branches: Presence in high income locations in City of Buenos

Aires, Greater Buenos Aires and in the Cuyo Region

Senior Citizens Service Centers: #1 private servicer of social security

payments – Large client base with low acquisition cost – Dedicated infrastructure with 78 dedicated branches and senior citizens centers and longstanding focus on segment create barriers to entry – Client segment with low credit risk, source of stable low cost funding A B

Segmented Distribution Model

Tailored Offering Designed for Each Core Segment

SLIDE 13

Special focus on small and

medium enterprises, comprised by higher margin clients

Network of hubs distributed

across main provinces in the country

Proximity to Clients (Through Hubs) Partnership with Clients (Via Value Chain) Efficient Underwriting (Streamlined Process) Personalized Attention (Strong Product & Client Knowledge)

Customized Value Proposition

Products & Services Across the Value Chain Segments Middle Market SMEs Corporates Foreign Trade and Financings

Foreign Trade Transactions
Pre Financing of Exports
International Factoring (“FCI”)

3 Treasury Management

Cash Management
Corporate Deposits

4 5 Payroll

Payroll services

Short-term Financing

Overdrafts
Factoring
i-Factus
Public works certificates
Warrants
MGS (1)

1 Medium / Long-term Financing

Leasing
Secured Loans
Project Finance / Syndicated Loans
Mandatory Credit Lines (LIPs)

2

One-Stop Shop Franchise Servicing Clients Across the Value Chain

Notes

1. Mutual Guaranteed Societies

SME & Middle Market Focused Corporate Franchise

Leadership in factoring and

leasing products

Expertise in core businesses
f regional economies

(infrastructure and wine industry)

SME & Middle Market Model Based on Service

SLIDE 14

Institutional Presentation

Our strategy for Capital Deployment

Larger ticket per client
Increase transactional services becoming principal bank
Special focus on strategic relationships in key dynamic industries such as infrastructure and energy

Middle Market & SME

A

By leveraging our middle market strategy, to increase penetration in high quality payroll customers
Leverage our retail-oriented client base to increase our cross-selling capabilities in affluent and small business segments
Mortgages and Car Loans

Consumer Finance Retail Banking

B

Accompany Walmart growth strategy and increase penetration in target customers
Larger capital base should enable us to forge alliances with medium retail chains

C

Our Higher Capital Base to Unlock Superior Growth Potential Aggressive Digital Strategy

15

SLIDE 16

Institutional Presentation

Loan Portfolio

17

6,880 8,262 12,153 15,605 21,856 31,752 1,668 2,566 2,564 3,126 2,785 1,513 8,548 10,828 14,717 18,731 24,641 33,264

2011 2012 2013 2014 2015 Sep 16

Total Loans and Leasing Securitized Loans and Leasing 2.4% 4.2% 3.0% 3.0% 3.2% 3.0% 1.8% 3.0% 3.8% 2.9% 3.1% 4.1% 2011 2012 2013 2014 2015 9M16 NPL Ratio Cost of risk

Asset Quality

Coverage ratio (%)

107.7 84.7 94.0 88.9 83.7 89.7

44% 43% 12%

Portfolio breakdown

Corporate Retail Consumer Finance

Loan Portfolio Evolution Loan Portfolio Breakdown as of September 2016

62.9% 37.1%

Corporate Portfolio breakdown*

SME´s & Middle Market Large

58.0% 8.0% 34.0%

Retail Portfolio breakdown

Senior Citizens Entrepreneurs & Small Businesses Payroll & Open market Customers

*SME´s considers annual sales between AR$ 40-200 million, Middle Market considers annual sales between AR$ 200-1,000 million and Large considers annual sales over AR$ 1,000 million.

26.7% 35.9% 27.3% 31.6% 35.0%

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Funding & Deposits base

18

Loans to Deposits2

92.4%

92.2%

Funding Deposits breakdown

1 Includes: Other liabilities resulting from financial brokerage and Subordinated Negotiable Obligations 2Loans to total deposits: Loans include loans, receivables from financial leases and other receivables from financial transactions covered by the Central Bank’s debtor classification regulations.

44.0% 32.7% 16.1% 7.2%

2015

Time Deposits Savings accounts Checking accounts Other 46.0% 36.6% 14.0% 3.4%

Sep16

104,4% 7,238 9,302 12,819 16,893 23,716 30,417 1,489 1,845 2,502 3,522 5,279 5,464 677 988 1,352 1,707 2,374 6,413 1,347 1,965 2,063 2,571 2,150 1,140 10,751 14,100 18,737 24,693 33,518 43,434 2011 2012 2013 2014 2015 Sep-16

Financial trust debt securities remaining balance Shareholders equity Other Fis & Subordinated Negotiable Obligations1 Deposits 32.9% 31.1% 31.8% 35.7% 29.6% (9M)

SLIDE 19

44.5% 42.6% 43.6% 40.6% 40.0% 35.7%

2011 2012 2013 2014 2015 9M16

SUPV Financial Ratios

19 Net Fee Income Ratio Net Interest Margin (NIM)

13.5% 17.3% 16.4% 17.4% 18.1% 20.4%

2011 2012 2013 2014 2015 9M16

25.2% 37.9% 30.8% 22.7% 32.2% 23.7%

2011 2012 2013 2014 2015 9M16 Return on Average Equity (ROAE)

1.6% 2.9% 2.5% 1.8% 2.5% 2.7%

2011 2012 2013 2014 2015 9M16 Return on Average Assets (ROAA)

81.0% 74.5% 74.1% 78.3% 76.2% 68.8%

2011 2012 2013 2014 2015 9M16 Efficiency Ratio

54.9% 57.3% 58.8% 51.8% 52.4% 51.8%

2011 2012 2013 2014 2015 9M16 Net Fee Income as % of administrative expenses

Net Interest Margin: Net interest income divided by average interest earning assets. Net Fee Income Ratio: Net services fee income + Income from insurance activities divided by the sum of gross financial margin and net services fee income. Net Fee Income as a % of Administrative Expenses: Net services fee income + Income from insurance activities divided by administrative expenses. ROAE: Net income divided by average shareholders’ equity, calculated on a daily basis and measured in local currency. ROAA: Net income divided by average assets, calculated on a daily basis and measured in local currency. Efficiency ratio: Administrative expenses divided by the sum of gross financial margin, services fee income and expenses and income from insurance activities. 3Q16 20.5% 3Q16 28.6% 3Q16 62.5% 3Q16 34.6% 3Q16 4.0% 3Q16 55.4%

SLIDE 20

Institutional Presentation

Third Quarter 2016 Highlights

Supervielle Reports Strong Quarter as it Executes on Growth Strategy

21

SLIDE 22

Supervielle Loan Performance

Notes

1. Denotes loans and leases before allowances

Loans & Leasing, plus Securitized Portfolio

(AR$ Million) (1)

On-balance sheet loans up 15.8% QoQ and 59.1% YoY, while securitized loans declined in line with post IPO

funding strategy

Loan growth mainly driven by Corporate Segment with foreign trade and U.S. dollar denominated loans up

AR$1.7 Bn QoQ and AR$3.4 Bn YoY; consumer finance loans maintain share of portfolio

Expanded Loan Book By 13% QoQ Double Industry Growth and 48% YoY

22

Total Loans Breakdown (%)

Loans & Leasing, plus Securitized Portfolio

19,957 21,856 23,283 27,409 31,752 2,507 2,785 2,057 2,040 1,513

9.7% 2.8% 16.2% 13.0%

3Q15 4Q15 1Q16 2Q16 3Q16

Loans & Leasing Securitized loan portfolio

48.1% 33,264 22,463 24,641 25,340 29,449

35% 41% 44% 52% 47% 43% 13% 12% 12%

1Q16 2Q16 3Q16

Corporate Retail Consumer Finance

62.9% 37.1%

Corporate Portfolio breakdown*

SME´s & Middle Market Large

58.0% 8.0% 34.0%

Retail Portfolio breakdown

Senior Citizens Entrepreneurs & Small Businesses Payroll & Open market Customers

3Q16 Breakdown

*SME´s considers annual sales between AR$ 40-200 million, Middle Market considers annual sales between AR$ 200-1,000 million and Large considers annual sales over AR$ 1,000 million.

SLIDE 23

Loan Performance

Loan Expansion Driven by Double Digit Growth in Corporate Loans, Supported by Retail and Consumer Finance

Total Loan Portfolio Breakdown by Segment

Loans & Leasing, plus Securitized Portfolio (AR$ Million) (1)

Tripled market growth driven mainly by

foreign trade-related and U.S. dollar denominated loans Strategy

Larger ticket per client
Increase transactional services to become

primary bank

Focused on increasing business with

strategic clients in growing industries i.e. agribusiness, infrastructure and energy

Doubled 2Q16 growth rate driven by pick-up

in loans to senior citizens Strategy

Consolidate atomized & stable funding base

in senior citizens

Leverage middle-market relationships to

grow penetration in quality payroll clients

Leverage retail client base to increase

cross-selling capabilities in affluent and small business segments

Longer-term offer mortgages & car loans
Continued growth in this market while

starting early signs of reversal in asset quality deterioration. Strategy

Leverage Walmart’s growth strategy to

increase penetration of target customers

Larger capital base provides opportunity to

form alliances with medium retail chains

23

7,743 8,180 8,388 11,415 14,049 8,021 8,419 8,549 11,483 14,105 3Q15 4Q15 1Q16 2Q16 3Q16 9,586 10,421 11,201 11,748 13,004 11,355 12,483 12,751 13,092 13,849 3Q15 4Q15 1Q16 2Q16 3Q16

Loan Loans (incl. Securitized portfolio)

1,975 2,349 2,917 2,966 3,384 2,345 2,753 3,197 3,496 3,936 3Q15 4Q15 1Q16 2Q16 3Q16 75.9% 22.0% 67.8%

Corporate Retail Consumer Finance

22.8% 5.0% 1.5% 34.3% 5.8% 9.8% 2.1% 2.7% 12.6% 17.3% 16.1% 9.5% Note: Denotes loans and leases and securitized loan portfolio after allowances

SLIDE 24

5% 9%

7%

5% 28% 11% 3% 10% 7% 4%

4%

22% 4% 27% 9% 3Q15 4Q15 1Q16 2Q16 3Q16 20,651 23,717 24,347 27,652 30,417 3Q15 4Q15 1Q16 2Q16 3Q16

104.4% 96.6% 92.2% 95.6% 99.1%

Funding

Total Deposits

(AR$ Million)

13.6%

Loans to Total Deposits

2.7% 14.8% 10.0%

54% 46%

Retail Institutional

Total deposits were AR$30.4 Bn in 3Q16, up 10% QoQ and

47.3% YoY

Low-cost checking and savings accounts represented 56% of

deposits.

Retail deposits (savings accounts and time deposits)

represented 54% of total deposits

Loans to deposits rose to 104.4% vs. 99.1% in 2Q16

reflecting the strategy to primarily fund loan growth by reducing Central Bank notes portfolio before starting to take higher-cost institutional deposits Deposit Breakdown

In %

47.3%

Saving Accounts Time Deposits Checking Accounts Others

Above-Industry Increase in Deposit Base Supports Strong Loan Growth

24

Deposits - Q-Q Variations

In % 5% 15% 0% 10% 19%

QoQ variation

SLIDE 25

854.4 1,076.9 1,105.6 1,304.4 1,566.4 2,278.8 3,976.5 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16

Gross Financial Margin & NIM

Solid NIM of 20.5% Despite Decline in Interest Rates

25

Gross Financial Margin

(AR$ Million)

Net Interest Margin (NIM)

18.9% 17.5% 20.0% 20.4% 20.5% 18.6% 20.4%

3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 83.3% 74.5%

3Q16 Gross financial margin up 20.1% QoQ
Average interest earning assets rising above average interest bearing liabilities
Interest rate on average liabilities declining faster than interest rates on average loans
Average rate on personal loans rose 495 bps, partially offsetting the lower average interest rate on corporate loans
NIM of 20.5% in 3Q16 compared to 18.9% in 3Q15 and 20.4% in 2Q16.

20.1%

SLIDE 26

Pick-Up in Net Service Fees Further Supported by Income from Insurance Activities

533.8 614.0 538.6 555.3 635.4 1,443.2 1,729.3

3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16

Net Service Fee Income Ratio*

19.0% 19.8%

Net Service Fee Income

(AR$ Million)

Income from Insurance Activities

(AR$ Million) 42.1 62.0 117.9 164.4 194.0 113.9 476.2 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 40.3% 38.6% 37.3% 35.6% 34.6% 40.6% 35.7% 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 318.0% 360.4%

Service Fee Income & Income From Insurance Activities

26 *Includes income from insurance activities

Net Service Fee Income grew above inflation QoQ,

reflecting re-repricing and solid business dynamics in credit and debit cards, as well as in deposits, checking and savings accounts

Income from Insurance Activity driven by rapid growth at

Supervielle Seguros since start-up in 4Q14 and the migration since 4Q15 of a portion of the portfolio previously booked in a third party insurance company. Starting Sep, 2016 Banco Supervielle and Cordial Compañía Financiera are self-insuring against credit related risks and no longer contract this insurance

14.4% 18.0%

SLIDE 27

Asset Quality

Asset Quality Deterioration Shows Some Early Signs of Reversal Following Spike in 2Q16

27

Consumer Finance –Lagged Delinquency Loan Loss Provisions Evolution NPLs Ratio by segment Sep-16 Jun-16 Sep-15 Corporate Segment 0.2% 0.5% 0.7% Retail Segment 3.8% 3.7% 4.0% Consumer Finance Segment 11.4% 11.1% 9.2% TOTAL 3.0% 3.1% 3.1%

6% 7% 8% 9% 10% 11% 12% 13% 14%

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

30+ Lagged Delinquency – Personal Loans* 2013 2014 2015 2016

6% 7% 8% 9% 10% 11% 12% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

30+ Lagged Delinquency – Credit Cards* 2013 2014 2015 2016

99 188 184 296 261 2.1% 3.6% 3.4% 5.0% 3.7%

Coverage ratio (%)

* Managerial analysis

SLIDE 28

Administrative Expenses & Efficiency Ratio

(AR$ Million)

Significant QoQ increase in revenues with relatively stable administrative expenses drives significant improvement in

efficiency ratio

Administrative expenses rose 2.6% QoQ, or AR$37.6 Mn, as higher personnel, advertising and publicity, and other

expenses more than offset the decline in taxes.

The 41.3%, or AR$437.6 Mn, YoY increase in administrative expenses was mainly due to salary increases from

collective bargaining agreements, advertising and publicity and other expenses

1,058.7 1,196.2 1,299.6 1,458.7 1,496.2 3,065.2 4,254.5 74.0% 68.2% 73.8% 72.1% 62.5% 79.9% 68.8% 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 Admistrative Expenses Efficiency Ratio 41.3% 38.8%

Administrative Expenses

Operating Leverage Delivers Efficiency Ratio of 62.5% in 3Q16

28 2.6%

SLIDE 29

36.7% 61.6% 27.5% 15.6% 28.6% 20.8% 23.7% 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 2.8% 4.7% 2.1% 1.8% 4.0% 1.6% 2.7% 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 193.1 360.1 174.7 167.9 436.4 314.0 779.0 3Q15 4Q15 1Q16 2Q16 3Q16 9M15 9M16 148.1% 126.1%

ROAE ROAA

Net income was AR$436.4 Mn, up 126.1%

YoY and 159.9% QoQ.

ROAE increased to 28.6% in 3Q16 from

15.6% in 2Q16 after the temporary dilution from the capital raised in the IPO.

ROAA improved to 4.0% from 1.8% in

2Q16 reflecting higher operating leverage. Net Income

(AR$ Million)

Profitable Growth with Net Income Up 160% QoQ; Significant Recovery In ROAE and ROAA

Profitability

29 159.9%

SLIDE 30

7.2 8.1 15.3 13.5 12.6

Mar-16 Tier I Ratio Capital Injection Consolidated pro forma with RWA as of mar-16 Consolidated pro forma as of jun-16 Consolidated pro forma as of sep-16

Capitalization

Successfully Executing on Capital Deployment Plan

Funds at the HoldCo: ~AR$900 Mn as of September 30, 2016

Repaid maturing debt of AR$123 Mn
Remaining funds invested in mutual funds posting a 29.4% annual return in 3Q16
Excess liquidity of approx. AR$620 Mn to fund growth following debt pay down

Capital Deployment

Tier I Ratio (%) 30

SLIDE 31

2016 Guidance

GDP1 expected to contract by 1.5% in 2016
Inflation1 trending down to 1.8% December, expected to be 42% for full

year 2016

Average Deposit rate2 (BADLAR) expected to reach 23.5% in

December 2016 2016 MACRO ASSUMPTIONS

47-57%

Total Loan Growth3 FY 2016 EXPECTATIONS

3.0 – 3.2%

NPL Ratio

17 – 20%

NIM

66 – 71%

Efficiency Ratio

AR$ 1.2 – 1.4 Bn

Net Income4

11.5 – 12.5%

Tier 1 Ratio5

1 Source: Market Expectations Survey as of July 2016 2 Company estimate 3 Including leases and securitized portfolio 4 This represents an increase of between 78% and 108% in the year 5 The TIER 1 ratio guidance includes net funds held at the holding company 6 According to the most recent available Market Expectation Survey as of September 2016, i) GDP is expected to contract by 1.7% in 2016; and ii) monthly December 2016 inflation rate is estimated to

trend down to 1.6%.

SLIDE 32

Institutional Presentation

Corporate Governance

Patricio Supervielle Chairman of the Board Jorge Ramírez Vice-Chairman of the Board Alejandro Stengel Second Vice-Chairman of the Board Richard Guy Gluzman Board Member Atilio Dell’Oro Maini Board Member Laurence Loyer Independent Board Member Diana Mondino Independent Board Member Gabriela Macagni Independent Board Member

BOARD

Internal Auditor

Leandro Conti

Chief Risk Officer

Javier Conigliaro

Cordial Microfinanzas CEO

César Simurro

Chief of Operations

Claudia Andretto

Chief Legal & Compliance Officer

Sergio Gabai

Chief Human Resources Officer

Santiago Batlle

Chief Credit Risk Officer

Javier Martinez Huerga

SLIDE 34

Institutional Presentation

Appendix III: Financial Statements

35

Grupo Supervielle – Summary Consolidated Balance Sheet

Assets Cash and Due from Banks 5,708 6,809 3,649 2,663 2,177 1,230 1,017 Government and Private Securities 2,773 932 1,008 485 230 337 431 Loans 29,551 20,765 15,013 11,634 7,660 6,455 4,523 Allowances for Loan Losses (801) (617) (417) (342) (285) (167) (102) Other Receivables 3,164 2,462 2,264 1,742 1,737 1,045 690 Leasing 1,386 1,075 584 512 594 420 312 Other Assets 2,652 1,620 1,140 725 579 567 389 Total Assets 44,433 33,046 23,241 17,418 12,692 9,887 7,260 Liabilities and Shareholders’ Equity Deposits 30,417 23,717 16,893 12,819 9,302 7,239 5,631 Other Liabilities 7,603 6,956 4,641 3,247 2,402 1,969 1,151 Total Liabilities 38,020 30,672 21,534 16,066 11,703 9,208 6,782 Shareholders’ Equity 6,413 2,374 1,707 1,352 988 677 478 Total Liabilities and Shareholders’ Equity 44,433 33,046 23,241 17,418 12,692 9,885 7,260 [ArPs million]

2015 2014 2013 2012 2011 2010

Source: Company filings

Sep-16 Audited – December 31st Limited Review

SLIDE 36

Appendix III: Financial Statements

36

Grupo Supervielle – Summary Consolidated Income Statement – Accumulated Figures

Source: Company filings

Financial Income 7,671.1 4,658.7 6,741.7 4,751.4 3,045.4 2,210.3 1,475.6 923.9 Financial Expenses (3,694.6) (2,379.9) (3,386.1) (2,464.5) (1,303.9) (818.3) (603.2) (337.5) Gross Financial Margin 3,976.5 2,278.8 3,355.7 2,286.8 1,741.5 1,392.0 872.4 586.3 Provision for Loan Losses (741.0) (356.0) (543.8) (356.5) (350.5) (209.8) (99.1) (67.8) Income from Services 2,496.9 1,991.3 2,835,7 2,162.8 1,765.7 1,289.7 860.7 608.2 Expenses for Services (767.6) (548.1) (778.5) (610.3) (421.6) (254.7) (161.4) (104.2) Income From Insurance Activities 476.2 113.9 175.9 8.5

Administrative Expenses

(4,254.5) (3,065.2) (4,261.4) (3,013.8) (2,287.2) (1,807.7) (1,273.0) (873.1) Income from Financial Transactions 1,186.5 414.7 783,6 477.5 447.8 409.5 199.5 149.4 Miscellaneous Income 279.4 215.4 367,2 190.0 129.2 72.5 52.6 49.9 Miscellaneous Losses (308.8) (156.3) (213,4) (91.8) (95.7) (71.1) (59.6) (54.2) Minority Interest (14.6) (9.6) (16,1) (13.7) (10.6) (9.6) (5.2) (11.7) Income before Income Tax 1,142.6 464.2 921,3 562.0 470.8 401.3 187.3 133.5 Income Tax (363.6) (150.2) (247,2) (199.1) (97.8) (75.1) (43.5) (40.7) Net Income 779.0 314.0 674,1 362.9 373.0 326.2 143.6 92.7 [ArPs million]

Audited – December31st 2015 2014 2013 2012 2011 2010 9M 15 9M 16 Limited Review

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Appendix III: Financial Statements

37

Grupo Supervielle – Summary Consolidated Income Statement - Quarterly Figures

Source: Company filings

Financial Income 2.775,5 2,557.0 2,338.7 2,083.1 1,731.9 8.5% 60.3% Financial Expenses (1.209,0) (1,252.6) (1,233.1) (1,006.2) (877.5)

3.5%

37.8% Gross Financial Margin 1,566.4 1,304.4 1,105.6 1,076.9 854.4 20.1% 83.3% Provision for Loan Losses (261.4) (295.9) (183.6) (187.9) (98.5)

11.7%

165.3% Income from Services 910.4 813.1 773.5 844.4 733.7 12.0% 24.1% Expenses for Services (275.0) (257.7) (234.9) (230.4) (199.9) 6.7% 37.5% Income From Insurance Activities 194.0 164.4 117.9 62.0 42.1 18.0% 360.4% Administrative Expenses (1,496.3) (1,458.7) (1,299.6) (1,196.2) (1,058.7) 2.6% 41.3% Income from Financial Transactions 638.2 269.5 278.9 368.9 273.1 136.8% 133.7% Miscellaneous Income 97.3 108.2 73.9 151.8 100.2

10.0%
2.9%

Miscellaneous Losses (103.5) (96.1) (109.2) (57.1) (69.6) 7.6% 48.7% Minority Interest (7.7) (2.8) (4.0) (6.5) (5.4) 171.8% 43.6% Income before Income Tax 624.3 278.8 239.5 457.1 298.4 124.0% 109.3% Income Tax (187.9) (110.9) (64.8) (96.9) (105.3) 69.5% 78.4% Net Income 436.4 167.9 174.7 360.1 193.1 159.9% 126.1% [ArPs million]

1Q16 4Q15 3Q15 YoY QoQ 2Q16 3Q16

SLIDE 38

Appendix III: Ratios

38

Grupo Supervielle Key Indicators: Accumulated

9M16 9M15 2015 2014 2013 2012 2011 KEY INDICATORS Profitability & Efficiency ROAE 23.7% 20.8% 32.2% 22.7% 30.8% 37.9% 25.2% ROAA 2.7% 1.6% 2.5% 1.8% 2.5% 2.9% 1.6% Net Interest Margin 20.4% 18.6% 18.1% 17.4% 16.4% 17.3% 13.5% Net Financial Margin

18.4% 15.7%

16.4% Net Fee Income Ratio 35.7% 40.6% 40.0% 40.6% 43.6% 42.6% 44.5% Net Fee Income as a % of Administrative Expenses 51.8% 50.8% 52.4% 51.8% 58.8% 57.3% 54.9% Efficiency Ratio 68.8% 79.9% 76.2% 78.3% 74.1% 74.5% 81.0% Liquidity & Capital Loans to Total Deposits1 104.4% 96.6% 92.2% 92.4% 94.8% 88.8% 95.1% Total Equity as a % of Total Assets 14.4% 7.2% 7.2% 7.3% 7.8% 7.8% 6.8% Regulatory Capital/ Risk Weighted Assets2 13.0% 8.5% 8.7% 8.9% 9.0% NA NA Consolidated Tier 1 Capital / Risk weighted assets 12.6% 6.7% 6.7% 6.9% 6.7% Asset Quality NPL Ratio 3.0% 3.1% 3.2% 3.0% 3.0% 4.2% 2.4% Allowances as a % of Total Loans 2.5% 2.7% 2.9% 2.7% 2.9% 3.5% 2.5% Coverage Ratio 83.7% 86.1% 89.7% 88.9% 94.0% 84.7% 107.7% Cost of Risk 3.7% 2.1% 3.1% 2.9% 3.8% 3.0% 1.8%

(1) On Balance Sheet Loans/Total Deposits. (2) This ratio applies only to the Bank and CCF on a consolidated basis.

SLIDE 39

Appendix III: Ratios

39

Grupo Supervielle Key Indicators: Quarterly

3Q16 2Q16 1Q16 4Q15 3Q15 KEY INDICATORS Profitability & Efficiency ROAE 28.6% 15.6% 27.5% 61.6% 36.7% ROAA 4.0% 1.8% 2.1% 4.7% 2.8% Net Interest Margin 20.5% 20.4% 20.0% 17.5% 18.9% Net Financial Margin

19.0% 18.5% 17.4% 18.4% 16.0%

Net Fee Income Ratio 34.6% 35.6% 37.3% 38.6% 40.3% Net Fee Income as a % of Administrative Expenses 55.4% 49.3% 50.5% 56.5% 54.4% Efficiency Ratio 62.5% 72.1% 73.8% 68.2% 74.0% Liquidity & Capital Loans to Total Deposits1 104.4% 99.1% 95.7% 92.2% 96.7% Total Equity as a % of Total Assets 14.4% 14.6% 7.3% 7.2% 7.2% Regulatory Capital/ Risk Weighted Assets2 13.0% 14.0% 9.3% 8.7% 8.5% Proforma Consolidated Tier 1 Capital / Risk weighted assets 3 12.6% 13.5% 7.2% 6.7% 6.7% Asset Quality NPL Ratio 3.0% 3.1% 2.7% 3.2% 3.1% Allowances as a % of Total Loans 2.5% 2.6% 2.3% 2.9% 2.7% Coverage Ratio 83.7% 83.2% 83.9% 89.7% 86.1% Cost of Risk 3.7% 5.0% 3.4% 3.6% 2.1%

(1) On Balance Sheet Loans/Total Deposits. (2) This ratio applies only to the Bank and CCF on a consolidated basis. (3) In 3Q16, includes $620 million Tier1 Capital retained at the holding company level available for injection in subsidiaries.

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SLIDE 41

41

Investor Relations Contacts

ri@gruposupervielle.com.ar www.gruposupervielle.com

Ana Bartesaghi

Treasurer & IRO  +5411 4324 8132

Gustavo Tewel

IR senior analyst  +5411 4324 8158

Nahila Schianmarella

IR junior analyst  +5411 4324 8135

Grupo Supervielle

Company Presentation 3Q 2016

Disclaimer

Contents

Macro Overview

Financial Sector

The Argentine Banking Business has the Potential for a New Growth Cycle

Contents

SUPV at a glance……

Shareholders [%]

Who we are

Nationwide Network & Leadership in Core Products

Strong origination capacity for growth with the new capital

Segmented Distribution Model

Tailored Offering Designed for Each Core Segment

SME & Middle Market Model Based on Service

Contents

Our strategy for Capital Deployment

Contents

Loan Portfolio

Funding & Deposits base

SUPV Financial Ratios

Contents

Third Quarter 2016 Highlights

Supervielle Reports Strong Quarter as it Executes on Growth Strategy

Supervielle Loan Performance

Expanded Loan Book By 13% QoQ Double Industry Growth and 48% YoY

Loan Performance

Loan Expansion Driven by Double Digit Growth in Corporate Loans, Supported by Retail and Consumer Finance

Funding

Above-Industry Increase in Deposit Base Supports Strong Loan Growth

Gross Financial Margin & NIM

Solid NIM of 20.5% Despite Decline in Interest Rates

Pick-Up in Net Service Fees Further Supported by Income from Insurance Activities

Service Fee Income & Income From Insurance Activities

Asset Quality

Asset Quality Deterioration Shows Some Early Signs of Reversal Following Spike in 2Q16

Administrative Expenses

Operating Leverage Delivers Efficiency Ratio of 62.5% in 3Q16

Profitable Growth with Net Income Up 160% QoQ; Significant Recovery In ROAE and ROAA

Profitability

Capitalization

Successfully Executing on Capital Deployment Plan

2016 Guidance

47-57%

3.0 – 3.2%

17 – 20%

66 – 71%

AR$ 1.2 – 1.4 Bn

11.5 – 12.5%

Contents

Corporate Governance

Contents

Appendix III: Financial Statements

Grupo Supervielle – Summary Consolidated Balance Sheet

Appendix III: Financial Statements

Grupo Supervielle – Summary Consolidated Income Statement – Accumulated Figures

Appendix III: Financial Statements

Grupo Supervielle – Summary Consolidated Income Statement - Quarterly Figures

Appendix III: Ratios

Grupo Supervielle Key Indicators: Accumulated

Appendix III: Ratios

Grupo Supervielle Key Indicators: Quarterly

Investor Relations Contacts