$SUPV

Grupo Supervielle S.A.

CIK:0001517399|SEC Filings

Consolidated Income Statement - ARS ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Consolidated Income Statement
Interest income	$ 1,766,381,830	$ 2,185,410,149	$ 3,316,401,526
Interest expenses	(947,126,579)	(1,168,170,898)	(2,364,754,548)
Net interest income	819,255,251	1,017,239,251	951,646,978
Net income from financial instruments measured at fair value through profit or loss	75,783,314	185,568,334	395,554,356
Result from derecognition of assets measured at amortized cost	5,063,724	107,953,651	48,289,750
Exchange rate differences on gold and foreign currency	(58,690,843)	12,197,355	16,617,592
Net Income From Financial instruments And Exchange Rate Differences	22,156,195	305,719,340	460,461,698
Net Financial Income	841,411,446	1,322,958,591	1,412,108,676
Service Fee Income	267,528,507	257,445,771	266,771,582
Service Fee Expense	(59,002,175)	(56,014,098)	(69,256,084)
Income from insurance activities	36,484,311	32,880,268	41,340,712
Net Service Fee Income	245,010,643	234,311,941	238,856,210
Subtotal	1,086,422,089	1,557,270,532	1,650,964,886
Results from exposure to changes in the purchasing power of money	(142,717,560)	(402,396,322)	(312,028,120)
Other operating income	64,915,253	51,558,266	67,860,053
Impairment losses on financial assets	(267,444,919)	(78,288,899)	(96,367,148)
Net operating income	741,174,863	1,128,143,577	1,310,429,671
Personnel expenses	(327,252,742)	(385,865,340)	(459,477,398)
Administration expenses	(221,807,455)	(229,325,163)	(241,887,603)
Depreciation and impairment of non-financial assets	(73,412,284)	(69,173,761)	(91,472,033)
Other operating expenses	(202,719,218)	(255,839,291)	(270,107,357)
(Loss) / Income before taxes	(84,016,836)	187,940,022	247,485,280
Income tax	46,346,613	(50,380,411)	(99,503,554)
Net (Loss) / Income for the year	(37,670,223)	137,559,611	147,981,726
Net (Loss) / Income for the year attributable to owners of the parent company	(37,571,322)	137,459,742	147,861,490
Net (Loss) / Income for the year attributable to non-controlling interests	(98,901)	99,869	120,236
NUMERATOR
Net (Loss) / Income for the year attributable to owners of the parent company	(37,571,322)	137,459,742	147,861,490
Net (Loss) / Income attributable to owners of the parent company adjusted by dilution	$ (37,571,322)	$ 137,459,742	$ 147,861,490
DENOMINATOR
Weighted average of outstanding ordinary shares	437,731	439,664	442,727
Weighted average of outstanding ordinary shares issued of the period adjusted by dilution effect	437,731	439,664	442,727
Basic (Loss) / Income (in pesos/share)	$ (85.83)	$ 312.65	$ 333.98
Diluted (Loss) / Income (in pesos/share)	$ (85.83)	$ 312.65	$ 333.98
Antidilutive shares excluded from the weighted average shares calculation (in share)	4,262

Consolidated Statement of Cash Flow - ARS ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash flow from operating activities
Net (Loss) /income for the year	$ (37,670,223)	$ 137,559,611	$ 147,981,726
Adjustments to obtain flows from operating activities:
Income tax	(46,346,613)	50,380,411	99,503,554
Depreciation and Impairment of non - financial assets	73,412,284	69,173,761	91,472,033
Impairment losses on financial assets	267,444,919	78,288,899	96,367,148
Other adjustments:
Exchange rate difference on gold and foreign currency	58,690,843	(12,197,355)	(16,617,592)
Interest Income from loans and other financings	(1,766,381,830)	(2,185,410,149)	(3,316,401,526)
Interest Expense from deposits and financing received	947,126,579	1,168,170,898	2,364,754,548
Net income financial assets measured at fair value through profit or loss	(75,783,314)	(185,568,334)	(395,554,356)
Fair value measurement of investment properties	668,493	13,403,341	20,087,747
Results from exposure to changes in the purchasing power of money	142,717,560	402,396,322	312,028,120
Interest on liabilities for financial leases	3,599,457	2,526,891	96,511
Provisions reversed	(8,428,118)	(6,061,546)	(15,763,074)
Result from derecognition of financial assets measured at amortized cost	(5,063,724)	(107,953,651)	(48,289,750)
(Increases) / decreases from operating assets:
Debt securities at fair value through profit or loss	162,183,121	145,439,605	539,889,794
Derivatives	(3,822,810)	4,783,800	(8,235,054)
Reverse Repo transactions	(3,657,016)	2,164,841,966	(1,972,319,351)
Loans and other financing
To the non-financial public sector	(4,484,004)	1,678,725	(3,452,852)
To the other financial entities	(305,257,539)	(15,320,269)	(5,727,649)
To the non-financial sector and foreign residents	906,339,273	654,180,070	3,949,739,054
Other debt securities	264,446,446	(349,809,051)	1,686,693,748
Financial assets pledged as collateral	(450,489,734)	(97,803,242)	(3,798,751)
Other assets	(50,042,557)	92,717,375	(268,204,001)
Increases / (decreases) from operating liabilities:
Non-financial public sector	(59,077,835)	(98,248,897)	40,226,149
Financial sector	500,284	(1,121,390)	460,286
Private non-financial sector and foreign residents	59,744,786	(1,329,442,807)	(2,852,560,482)
Derivatives	(2,281,117)	2,281,117
Repo transactions	348,734,043	41,983,644	2,693,725
Liabilities at fair value through profit or loss	693,909	(1,741,432)	(17,341,569)
Other liabilities	85,852,555	62,354,151	43,590,316
Income Tax paid	(32,767,692)	(18,927,729)	(18,846,565)
Net cash provided by operating activities (A)	478,396,536	682,554,735	452,471,887
Payments related to:
Purchase of PPE, intangible assets and other assets	(72,807,314)	(75,493,630)	(70,903,805)
Purchase of liabilities and equity instruments issued by other entities	(4,770,986)	113,463	3,434,791
Collections:
Disposals related to PPE, intangible assets and other assets	10,999,773	14,548,595	13,357,484
Net cash used in investing activities (B)	(66,578,527)	(60,831,572)	(54,111,530)
Payments:
Lease liabilities	(15,222,513)	(11,698,919)	(14,335,184)
Unsubordinated debt securities	(355,803,167)	(3,081,005)	(5,107,170)
Financing received from the Argentine Central Bank and other financial institutions	(8,897,679,921)	(351,367,114)	(436,370,667)
Dividends distribution	(32,881,325)	(36,784,395)
Acquisition of treasury shares		(13,045,502)	(2,460,175)
Collections:
Unsubordinated debt securities	459,315,760	68,527,449	98,980
Financing received from the Argentine Central Bank and other financial institutions	9,326,777,805	395,351,414	394,753,367
Net cash provided by (used in) financing activities (C)	484,506,639	47,901,928	(63,420,849)
Effects of exchange rate changes (D)	254,256,179	348,842,491	621,512,821
Result from exposure to changes in the purchasing power of the currency of Cash and equivalents (E)	(415,723,552)	(739,041,457)	(717,802,267)
Net increase in cash and cash equivalents (A+B+C+D+E)	734,857,275	279,426,125	238,650,062
Cash and cash equivalents at the beginning of the year	1,003,372,458	723,946,333	485,296,271
Cash and cash equivalents at the end of the year	$ 1,738,229,733	$ 1,003,372,458	$ 723,946,333

Consolidated Statement of Financial Position - ARS ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 1,599,186,464	$ 858,981,662
Cash	208,669,564	199,785,619
Financial institutions and correspondents
Argentine Central Bank	1,208,438,443	630,184,457
Other local financial institutions	130,109,546	26,898,713
Others	51,968,911	2,112,873
Debt Securities at fair value through profit or loss	249,506,501	346,410,248
Derivatives	9,910,637	6,087,827
Reverse Repo transactions	3,657,016
Other financial assets	57,533,129	37,666,571
Loans and other financing	3,765,478,226	2,854,710,927
To the non-financial public sector	8,735,442	4,251,438
To the financial sector	332,055,174	26,797,635
To the Non-Financial Private Sector and Foreign residents	3,424,687,610	2,823,661,854
Other debt securities	804,907,828	1,069,354,274
Financial assets pledged as collateral	681,163,072	230,673,338
Investments in equity instruments	5,705,943	934,957
Property, plant and equipment	132,658,360	134,096,351
Investment Property	92,588,256	103,441,552
Intangible assets	231,836,457	218,386,830
Deferred income tax assets	91,403,537	15,713,555
Other non-financial assets	44,029,469	46,755,337
TOTAL ASSETS	7,769,564,895	5,923,213,429
LIABILITIES
Deposits	5,118,886,479	4,174,648,931
Non-financial public sector	131,280,895	190,358,730
Financial sector	744,014	243,730
Non-financial private sector and foreign residents	4,986,861,570	3,984,046,471
Liabilities at fair value through profit or loss	693,909
Derivatives		2,281,117
Repo transactions	393,411,412	44,677,369
Other financial liabilities	280,272,285	218,614,513
Financing received from the Argentine Central Bank and other financial institutions	480,793,742	51,695,858
Unsubordinated debt securities	174,866,398	67,297,539
Current income tax liability	442,758	6,880,917
Provisions	13,890,828	53,412,545
Other non-financial liabilities	320,235,349	252,894,438
TOTAL LIABILITIES	6,783,493,160	4,872,403,227
SHAREHOLDERS' EQUITY
Capital stock	437,731	437,731
Paid in capital	729,164,744	729,164,744
Inflation Adjustment of capital stock	77,948,047	77,948,047
Treasury shares	6,680	18,991
Inflation adjustment of treasury shares	4,023,614	11,438,151
Cost of Treasury shares	(15,505,688)	(27,845,492)
Reserves	257,638,259	122,692,968
Retained earnings	(46,319,749)	(19,409,103)
Other comprehensive income	15,491,602	17,505,175
Net (Loss) / Income for the year	(37,571,322)	137,459,742
Shareholders' Equity attributable to owners of the parent company	985,313,918	1,049,410,954
Shareholders' Equity attributable to non-controlling interests	757,817	1,399,248
TOTAL SHAREHOLDERS' EQUITY	$ 986,071,735	$ 1,050,810,202