Grupo Supervielle S.A. (NYSE: SUPV) (BYMA: SUPV),
(“Supervielle” or the “Company”) a universal financial services
group headquartered in Argentina with a nationwide presence, today
reported results for the three-month period ended March 31,
2020.
Starting 1Q20, the Company began reporting results applying
Hyperinflation Accounting, in accordance to IFRS rule IAS 29 (“IAS
29”) as established by the Central Bank. For ease of comparison,
figures for all quarters of 2019 have been restated applying IAS 29
to reflect the accumulated effect of the inflation adjustment for
each period through March 31, 2020. More information can be found
in the Section “Hyperinflation Accounting in Argentina” on page
58.
This report also includes Managerial figures which exclude the
IAS29 adjustment for 1Q20 and present 1Q19, 2Q19, 3Q19 and 4Q19
figures as they were previously reported according to Central Bank
Rules until December 31, 2019 and before the adoption of Rule IAS29
this quarter.
Details with regard to the Argentine government’s social aid,
monetary and fiscal measures to mitigate the economic impact of the
COVID-19 pandemic can be found on page 56, while the specific
measures taken by Grupo Supervielle in response to the pandemic may
be found on page 11.
Management Commentary Commenting on first quarter 2020
results, Jorge Ramirez, Grupo Supervielle's CEO, noted: “As we
navigate this unprecedented global health and economic crisis, we
are focusing on three key strategic areas: protecting the health of
our employees and customers, while supporting our communities
through donations to social agencies and other initiatives,
ensuring operational continuity and accelerating our digital
transformation to optimize our customers’ experience. Importantly,
our high liquidity and comfortable capitalization levels strengthen
our long-term sustainability in a rapidly changing environment.
Responding early to the COVID-19 pandemic, we established remote
working for over 95% of non-branch employees, rotation of half of
our branch staff every two weeks and 100% remote work for some of
our subsidiaries, in advance of the mandatory shelter-in-place
established by the government on March 19, 2020. Stricter
sanitation procedures were set up across our branches that remain
open for limited transactions. More recently, as restrictions are
being gradually lifted, we have implemented back-to-work protocols
for essential employees to safeguard their health and
wellbeing.
With a focus on supporting our customers, we have rapidly
adjusted operations, accelerated digitalization and implemented a
series of measures to promote safe banking and provide financial
relief. For example, for senior citizens, which are a significant
portion of our customer base, we adapted our ATM network
infrastructure, we added functionalities to our online applications
as well as in transactional channels and updated procedures to
facilitate their banking needs. This has translated in a
significant increase in the use of digital and automatic
transactional channels. We are also supporting SMEs with their
payroll and working capital needs through loans promoted by the
government; and have launched specific credit lines for SMEs in the
health and transportation sectors. On the digital transformation
front, we are also adding functionalities across personal and
corporate banking, as well as consumer finance to rapidly meet
current and future needs.
Looking ahead, the path to economic recovery remains uncertain
and is largely dependent on the depth and duration of this global
health crisis and the government’s measures to contain the outbreak
and actions to mitigate the economic impact. The pace of the
recovery will also depend on the resolution of the Argentine
sovereign debt restructuring, and a combination of all of the above
factors will certainly impact the overall system asset quality We
will continue to closely monitor our loan portfolio and make
adjustments accordingly.
In this environment, as I mentioned earlier, we remain focused
on implementing the highest possible standards to protect the
health of our employees and customers, ensure continuity of our
operations and accelerate initiatives, such as the digital
transformation process, that will enhance our ability to continue
to provide the customized and elevated level of service that
distinguishes our Company,”, concluded Mr. Ramirez.
First Quarter 2020 Highlights PROFITABILITY
Profit before income tax of AR$797.0 million in 1Q20
compared to a AR$631.8 million loss in 1Q19 and a AR$928.4 million
loss in 4Q19. Excluding the impact of IAS29, Profit before income
tax, would have been Ps.1.8 billion in 1Q20 up 137.8% YoY and 72.9%
QoQ.
QoQ improvement was explained by: i) a 15.2% decrease in
Personnel & Administrative Expenses, (ii) a smaller impact of
inflation adjustment due to deceleration in inflation in 1Q20
compared to 4Q19, and (iii) an increase in Net Service Fee Income
mainly from fees repricing throughout the quarter. These were
partially offset by (i) lower Net Financial Income as 4Q19
benefitted from price improvements in reprofiled government short
term treasury notes and (ii) higher LLP based on expected losses
according to IFRS9.
Attributable Net income of AR$453.4 million in 1Q20,
compared to AR$1.4 billion loss in 1Q19 and AR$759.4 million loss
in 4Q19. Excluding the impact of IAS29, Attributable Net income
would have been AR$1.5 billion in 1Q20 increasing 148.8% YoY and
remaining stable as compared to 4Q19. 1Q20 net income reflects an
AR$343.2 million charge in Income Tax compared to an AR$168.6
million gain in 4Q19.
ROAE of 7.7% in 1Q20 compares to -20.1% in 1Q19 and
-13.1% in 4Q19. ROAE in 1Q20 benefitted from deceleration in the
inflation pace (7.8% in the quarter) compared to ROAE in 4Q19 and
1Q19 when inflation peaked at 11.7% and 11.8% respectively.
Excluding the impact of IAS29, ROAE would have been 26.4% in 1Q20
compared to 13.6% in 1Q19 and 28.4% in 4Q19.
ROAA of 1.0% in 1Q20 compared to -2.2% in 1Q19 and -1.7%
in 4Q19. Excluding the impact of IAS29, ROAA would have been 3.5%
in 1Q20 compared to 1.5% in 1Q19 and 3.7% in 4Q19.
Revenues were down 8.5% YoY and flat QoQ. Excluding
adoption of IAS29, Total revenues would have increased 36.8% YoY
and 5.6% QoQ.
MARGIN
Net Financial Income of AR$7.4 billion was down 11.7% YoY
and 13.8% QoQ. In 4Q19, NFI income was AR$1.3 billion benefitted
from price improvements in reprofiled short term AR$ and US$
Argentine treasury notes held by Supervielle. Excluding this non
recurring income in 4Q19, NFI in 1Q20 would have increased 0.9%
mainly explained by a 950 basis points (bps) decrease in AR$ cost
of funds following the decline in market interest rates, while
interest on loans continued to benefit from additional repricing in
personal loans, partially offset by a 2,600 bps decrease in the
average yield of the Central Bank 7 days Leliqs, from 68.7% to
42.4%. Excluding the impact of IAS29, Net Financial Income, would
have been Ps. 7.2 billion in 1Q20 increasing 32.1% YoY but down
5.5% QoQ. Excluding non recurring income in 4Q19, comparable non
restated NFI figures would have reflected a 10.7% increase QoQ.
Net Interest Margin (NIM) of 22.8% was up 388 bps YoY,
but declined 592 bps QoQ. Excluding the price improvement impact of
reprofiled short term Argentine treasury notes held by Supervielle
in 4Q19, NIM would have decreased 180 bps in the quarter. This
decrease reflects the strong increase in assets, mainly driven by:
i) an increase in holdings of Central Bank Leliqs by raising
wholesale deposits to take advantage of higher spreads on Leliqs;
and ii) the abovementioned 2,600 bps decline in the average yield
of the Central Bank Leliqs. These effects were partially offset by
the 950 bps decrease in AR$ cost of funds following the decline in
market interest rates, and the continued lagged repricing of the
AR$ portfolio. AR$ Loan portfolio NIM in the quarter was 30.0%
compared to 28.3% in 4Q19.
ASSET QUALITY
The total NPL ratio increased by 140 bps YoY but declined
70 bps QoQ to 6.7% in 1Q20. QoQ performance was explained by a 80
bps decrease in Personal and Business Segment NPL and 720 bps
decrease in Consumer Finance NPL. QoQ decline benefitted from
Central Bank regulatory easing amid the pandemic on debtor
classifications (adding a 60 days grace period before the loan is
classified as NPL) and the suspension of mandatory reclassification
of customers that are non performing with other banks, but
performing with Supervielle.
Loan loss provisions (LLP) totaled AR$1.6 billion in
1Q20, decreasing 45.4% YoY but increasing 32.0% QoQ. In 1Q20,
levels of provisioning reflect expected losses arising from
adoption of Central Bank implementation of IFRS9 rule, effective on
January 1, 2020 except for consumer finance segment, but includes
only a non-material amount for a Covid-19 potential impact.. The
coverage ratio increased to 99.6%, from 83.0% in 4Q19, due to
increased loan loss provisions in the quarter and benefitting from
the above mentioned regulatory easing. As of March 31, 2020
collateralized non-performing commercial loans increased to 61% of
total, from 58% as of December 31, 2019 and 20% as of June 30,
2019.
EXPENSES & EFFICIENCY
Efficiency ratio was 60.4% in 1Q20 declining 410 bps from
1Q19 and 1,600 bps from 4Q19. Excluding non-recurring severance and
early retirement charges of AR$880 million in 4Q19, efficency in
1Q20 improved 620 bps QoQ mainly due to the decrease in
administrative expenses reflecting streamlining undertaken in 2019
and strict cost control actions implemented by the Company while
revenues remained flat.
LIQUIDITY
Loans to deposits ratio of 68.1% was down from 74.9% as
of March 31, 2019 and from 103.5% as of December 31, 2019. AR$
loans to AR$ deposits ratio was 62.3% compared to 78.3% on March
31, 2019 and 107.6% as of December 31, 2019. The ratio reflects the
QoQ 60.9% increase in AR$ deposits following the increase in AR$
wholesale and institutional deposits raised to fund increased
investments in Central Bank 7-day Leliqs and the 14.8% increase in
core peso franchise deposits, while AR$ loans remained flat. The
4Q19 ratio reflected the Company’s decision to deleverage its
balance sheet and year end liquidity management. As of March 31,
2020, the Liquid US$ Assets to US$ deposits ratio was 61%, while
Liquid AR$ Assets to AR$ deposits ratio was 60%.
Total Deposits measured in AR$ unit at the end of 1Q20
declined 16.5% YoY but increased 41.5% QoQ to AR$135.8 billion. AR$
deposits rose 3.1% YoY and 60.9% QoQ. Foreign currency deposits
(measured in US$) declined 58.2% YoY and 4.1% QoQ, following
industry trends since August 2019
ASSETS
Loans measured in AR$ unit at the end of 1Q20 declined
24.0% YoY and 7.2% QoQ to AR$92.2 billion. The AR$ Loan portfolio
rose 17.9% YoY and 6.9% QoQ. FX loans, measured in US$, declined
39.4% YoY and 8.0% QoQ. YoY and QoQ inflation was 48.4% and 7.8%
respectively.
Total Assets down 19.8% YoY but up 22.4% QoQ, to AR$197.0
billion. QoQ performance reflects the increase in holdings of
Central Bank Leliqs by raising wholesale deposits to take advantage
of higher spreads on Leliqs, following the balance sheet
deleveraging in prior quarter.
CAPITAL
Common Equity Tier 1 Ratio as of March 31, 2020, was
13.3%, compared to the 11.3% reported as of December 31, 2019 and
11.9% reported as of March 31, 2019. The QoQ increase reflects
initial IAS29 adjustment on non monetary assets, and Central Bank
regulatory easing on provisions amid the Covid-19 pandemic that
allows banks to consider as Tier 1 Common Equity, the difference
between expected loss provisions recorded following IFRS9, and
provisions recorded as of November 30, 2019 under the previous
accounting framework. On a proforma basis, if having impacted by
December 31, 2019 inflation adjustment, Tier 1 ratio would have
been 12.1%.
Financial Highlights & Key Ratios
Information stated in terms of the measuring unit current at the
end of the reporting period, including the corresponding financial
figures for previous periods provided for comparative purposes.
Highlights
(In millions of Ps. stated in terms of the
measuring unit current at the end of the reporting period)
% Change
INCOME STATEMENT
1Q20
4Q19
3Q19
2Q19
1Q19
QoQ
YoY
Net Interest Income
7,030.1
4,910.0
1,932.7
1,910.0
1,894.1
43.2%
271.2%
NIFFI & Exchange Rate Differences
410.3
3,717.6
4,762.0
7,231.8
6,535.1
-89.0%
-93.7%
Net Financial Income
7,440.4
8,627.6
6,694.7
9,141.8
8,429.2
-13.8%
-11.7%
Net Service Fee Income (excluding income
from insurance activities)
1,737.6
1,511.2
1,710.4
1,730.4
1,899.4
15.0%
-8.5%
Income from Insurance activities
323.4
368.7
327.4
302.6
321.4
-12.3%
0.6%
RECPPC
-869.3
-1,874.3
-1,775.9
-907.4
-1,694.8
-53.6%
-48.7%
Loan Loss Provisions
-1,580.6
-1,197.2
-2,544.7
-1,694.9
-2,896.6
32.0%
-45.4%
Personnel & Administrative
Expenses
5,380.5
6,343.6
5,410.2
6,125.7
5,551.2
-15.2%
-3.1%
Profit before income tax
797.0
-928.4
-2,390.1
983.6
-631.8
-185.8%
-226.2%
Attributable Net income
453.4
-759.4
-2,179.7
1,130.5
-1,353.5
-159.7%
-133.5%
Attributable Comprehensive income
405.2
-676.2
-2,179.0
1,141.2
-1,355.0
-159.9%
-129.9%
Earnings per Share (AR$)
1.0
-1.7
-4.8
2.5
-3.0
Earnings per ADRs (AR$)
5.0
-8.3
-23.9
12.4
-14.8
Average Outstanding Shares (in
millions)
456.7
456.7
456.7
456.7
456.7
BALANCE SHEET
mar 20
dec 19
sep 19
jun 19
mar 19
QoQ
YoY
Total Assets
196,973.1
160,885.0
195,007.4
228,173.3
245,587.4
22.4%
-19.8%
Average Assets1
189,314.9
175,470.2
209,761.6
227,076.6
241,756.2
7.9%
-21.7%
Total Loans & Leasing
92,230.8
99,342.6
105,408.7
111,250.9
121,396.1
-7.2%
-24.0%
Total Deposits
135,795.5
95,950.4
122,914.5
152,599.4
162,713.1
41.5%
-16.5%
Attributable Shareholders’ Equity
26,481.0
26,075.7
26,754.8
31,678.2
28,291.6
1.6%
-6.4%
Average Attributable Shareholders’
Equity1
23,595.0
23,130.8
24,540.5
25,105.3
26,898.4
2.0%
-12.3%
KEY INDICATORS
1Q20
4Q19
3Q19
2Q19
1Q19
Profitability & Efficiency
ROAE
7.7%
-13.1%
-35.5%
18.0%
-20.1%
ROAA
1.0%
-1.7%
-4.2%
2.0%
-2.2%
Net Interest Margin (NIM)
22.8%
28.8%
17.4%
22.0%
19.0%
Net Fee Income Ratio
21.7%
17.9%
23.3%
18.2%
20.8%
Cost / Assets
12.3%
15.8%
11.4%
11.8%
9.9%
Efficiency Ratio
60.4%
76.3%
75.6%
65.2%
64.5%
Liquidity & Capital
Total Loans to Total Deposits
68.1%
103.5%
85.8%
72.9%
74.9%
AR$ Loans to AR$ Deposits
62.3%
107.6%
82.2%
78.5%
78.3%
US$ Loans to US$ Deposits
97.2%
92.1%
95.9%
60.9%
66.8%
Liquidity Coverage Ratio (LCR)3
130.2%
150.3%
141.7%
164.5%
143.9%
Total Equity / Total Assets
13.4%
16.2%
13.7%
13.9%
11.5%
Capital / Risk weighted assets 4
14.0%
12.2%
12.8%
12.9%
13.2%
Tier1 Capital / Risk weighted assets 5
13.3%
11.3%
11.8%
11.9%
11.9%
Risk Weighted Assets / Total Assets
69.8%
89.2%
76.7%
68.5%
45.3%
Asset Quality
NPL Ratio
6.7%
7.4%
6.9%
5.1%
5.3%
Allowances as a % of Total Loans
6.6%
6.3%
6.0%
5.5%
5.3%
Coverage Ratio
99.6%
83.0%
86.1%
107.7%
100.0%
Cost of Risk
6.8%
5.0%
9.6%
6.0%
9.8%
MACROECONOMIC RATIOS
Retail Price Index (%)6
7.8%
11.7%
12.5%
9.5%
11.8%
Avg. Retail Price Index (%)
50.5%
52.1%
54.1%
56.3%
51.2%
UVA (var)
9.5%
14.3%
8.5%
12.0%
9.4%
Pesos/US$ Exchange Rate
64.47
59.90
57.56
42.45
43.35
Badlar Interest Rate (eop)
27.6%
39.4%
58.9%
47.5%
45.7%
Badlar Interest Rate (avg)
33.2%
48.1%
54.7%
50.9%
41.8%
Monetary Policy Rate (eop)
38.0%
55.0%
78.4%
62.7%
68.2%
Monetary Policy Rate (avg)
45.6%
65.3%
71.5%
66.8%
55.8%
OPERATING DATA
Active Customers (in millions)
1.8
1.8
1.8
1.8
1.8
Access Points
316
316
317
318
316
Employees7
5,055
5,019
5,134
5,135
5,203
0.7%
-2.8%
- Average Assets and average Shareholder´s Equity calculated on a
daily basis
- Total Portfolio: Loans and Leasing before Allowances. According
to IFRS, this line item includes Securitized Loan Portfolio and
loans transferred with recourse.
- This ratio includes the liquidity held at the holding company
level.
- Regulatory capital divided by risk weighted assets taking into
account operational and market risk. Since January 1, 2020,
financial institutions which are controlled by non-financial
institutions (as in our case in relation with the Bank) shall
comply with the Minimum Capital requirements, among others on a
consolidated basis comprising the non-financial holding and all its
subsidiaries (excluding insurance companies and non-financial
subsidiaries). As of March 31, 2020, the calculation methodology
has not been released and therefore we continue to calculate this
ratio adding to the Bank’s regulatory capital ratio, the amount of
liquidity held at the holding company level. In previous quarters
this ratio was named as Proforma Ratio .
- Tier 1 capital divided by risk weighted assets taking into
account operational and market risk. Applies same disclosure as in
footnote 4.
- Source: INDEC
- These figures do not include temporary employees
Managerial Information Non-restated figures
The 1Q20 management information included hereunder is not
serived directly from accounting records as it is an estimate of
non-restated figures excluding the impact of IAS 29 effective
January 1, 2020. This information is only provided for comparative
purposes with figures disclosed in previous years before the
adoption of rule IAS 29.
Highlights - Non-restated
figures
(In millions of Argentine Ps.)
% Change
INCOME STATEMENT
1Q20
4Q19
3Q19
2Q19
1Q19
QoQ
YoY
Net Interest Income
6,840.0
4,412.3
1,523.8
1,370.7
1,218.3
55.0%
461.4%
NIFFI & Exchange Rate Differences
397.4
3,245.5
3,754.4
5,189.6
4,259.4
-87.8%
-90.7%
Net Financial Income
7,237.5
7,657.8
5,278.1
6,560.3
5,477.7
-5.5%
32.1%
Net Service Fee Income (excluding income
from insurance activities)
1,692.5
1,348.7
1,348.5
1,241.7
1,227.8
25.5%
37.8%
Income from Insurance activities
289.6
266.8
258.1
217.2
204.0
8.5%
42.0%
Loan Loss Provisions
-1,541.8
-1,368.1
-2,007.4
-1,210.8
-1,893.0
12.7%
-18.6%
Personnel & Administrative
Expenses
5,231.1
5,690.4
4,265.4
4,395.8
3,597.7
-8.1%
45.4%
Profit before income tax
1,780.4
1,029.8
-116.5
1,566.1
748.7
72.9%
137.8%
Attributable Net income
1,465.7
1,466.2
301.0
1,901.5
589.1
0.0%
148.8%
Attributable Comprehensive income
1,417.2
1,570.3
732.1
1,909.3
615.4
-9.8%
130.3%
Earnings per Share (AR$)
3.2
3.2
0.7
4.2
1.3
Earnings per ADRs (AR$)
16.0
16.1
3.3
20.8
6.4
Average Outstanding Shares (in
millions)
456.7
456.7
456.7
456.7
456.7
BALANCE SHEET
mar 20
dec 19
sep 19
jun 19
mar 19
Total Assets
192,679.5
146,493.1
159,815.8
166,144.7
163,849.3
31.5%
17.6%
Average Assets1
169,586.3
156,563.6
165,375.6
162,952.7
156,037.7
8.3%
8.7%
Total Loans & Leasing
92,230.8
92,154.9
87,524.6
82,117.7
81,827.1
0.1%
12.7%
Total Deposits
135,795.5
89,008.2
102,060.3
112,638.3
109,676.8
52.6%
23.8%
Attributable Shareholders’ Equity
22,685.2
21,680.0
20,109.7
19,377.6
17,771.0
4.6%
27.7%
Average Attributable Shareholders’
Equity1
22,182.6
20,638.5
19,347.7
18,015.9
17,361.2
7.5%
27.8%
PROFITABILITY
1Q20
4Q19
3Q19
2Q19
1Q19
ROAE
26.4%
28.4%
6.2%
42.2%
13.6%
ROAA
3.5%
3.7%
0.7%
4.7%
1.5%
1Q20 Earnings
Call Dial-In Information
Date:
Friday May 29, 2020
Time:
9:00 AM ET; 10:00 AM (Buenos Aires
Time)
Dial-in Numbers:
1-877-407-0789 (U.S. and Canada),
1-201-689-8562 (International), 0-800-444-6247 (Argentina), or
0800-756-3429 (U.K.)
Webcast:
http://public.viavid.com/index.php?id=139692
Replay:
From Friday May 29, 2020, 12:00 PM ET
through Friday June 12, 2020, 11:59 PM ET. Dial-in number:
+1-844-512-2921 (U.S./Canada) or +1-412-317-6671 (international).
Pin number: 13703230
About Grupo Supervielle S.A.
(NYSE: SUPV; BYMA: SUPV)
Grupo Supervielle S.A. (“Supervielle”) is a universal financial
services group located in Argentina that owns the eleventh largest
bank in terms of loans. Headquartered in Buenos Aires, Supervielle
offers retail and corporate banking, treasury, consumer finance,
insurance, asset management and other products and services
nationwide to a broad customer base including: individuals, small
and medium-sized enterprises and medium to large-sized companies.
With origins dating back to 1887, Supervielle operates through a
multi-brand and multi-channel platform with a strategic national
footprint. As of the date of this report Supervielle had 316 access
points and 1.8 million active customers. As of March 31, 2020,
Grupo Supervielle had 456,722,322 shares outstanding and a free
float of 64.9%. For information about Grupo Supervielle, visit
www.gruposupervielle.com.
Safe Harbor Statement
This press release 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 other 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 on
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.
View source
version on businesswire.com: https://www.businesswire.com/news/home/20200528005902/en/
Investor Relations Contacts: Ana Bartesaghi Treasurer and
Investor Relations Officer 5411-4324-8132
Ana.BARTESAGHI@supervielle.com.ar Gustavo Tewel
5411-4324-8158 Gustavo.TEWEL@supervielle.com.ar Nahila
Schianmarella 5411-4324-8135
Nahila.SCHIANMARELLA@supervielle.com.ar Valeria Kohan
5411-4340-3013 Valeria.KOHAN@supervielle.com.ar
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