Grupo Supervielle S.A. filed its 2025 annual report on Form 20‑F with the U.S. Securities and Exchange Commission on April 8, 2026, providing audited financial statements and management’s discussion of the year’s performance.
The filing shows that the bank reported an attributable net loss of AR$48.6 billion for FY 2025, a sharp reversal from the AR$164.7 billion net income reported in FY 2024. The loss reflects the impact of extraordinary monetary tightening and regulatory conditions in Argentina, which compressed margins and increased provisions.
Despite the loss, the balance sheet expanded, with total assets rising to AR$7,791.5 billion and deposits increasing to AR$5,118.9 billion as of December 31, 2025. The growth in assets is driven by a 37 % year‑over‑year increase in total loans, supported by strong real loan growth of 35‑40 % projected for the remainder of 2025.
Net interest margin (NIM) rebounded to 19 % in Q4 2025 after a decline to 10.8 % earlier in the year, indicating a recovery in interest income as the bank’s loan portfolio expanded and fee income improved.
Management guidance for 2026 focuses on maintaining loan growth of 30‑40 % and targeting a high single‑digit to low double‑digit return on equity (ROE). The outlook signals confidence in the bank’s ability to navigate the challenging macro environment while strengthening capital adequacy.
Analysts noted that the net loss, while significant, is offset by the bank’s robust capital position and the expectation of a rebound in profitability as monetary conditions normalize. The filing also highlights ongoing digital transformation initiatives, such as WhatsApp Banking, aimed at enhancing customer experience and operational efficiency.
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