{"product_id":"gruposupervielle-business-model-canvas","title":"Grupo Supervielle Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Model Canvas for a Financial Group: value drivers, customers, partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the strategic core of Grupo Supervielle with a concise Business Model Canvas that maps its value propositions, customer segments, key partners and revenue levers. This snapshot reveals how the group competes, scales and manages risk across banking and financial services. Purchase the full, editable Canvas to get detailed, actionable insights for investors, consultants and founders.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorrespondent \u0026amp; Partner Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs of 2024, alliances with local and international correspondent banks enable Grupo Supervielle to process payments, trade finance and cross-border transfers with improved liquidity access. These partners expand product breadth and alternative funding sources, and they support syndications for large corporate credits. Such ties measurably improve service reliability and settlement efficiency across channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintechs \u0026amp; Payment Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCollaboration with fintechs and card schemes accelerates digital payments and onboarding, boosting Supervielle’s ability to scale mobile wallets and instant transfers. Integrations improve UX, strengthen fraud controls and expand acceptance coverage across retail and online channels. Co-creation with partners shortens time-to-market for new features while enabling low-cost rails that enhance financial inclusion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology \u0026amp; Data Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTechnology and data vendors—core banking, cloud, cybersecurity and analytics—underpin Grupo Supervielle’s digital operations, leveraging a global public cloud market that reached about $620 billion in 2024 to scale infrastructure. Advanced data partners enrich risk scoring and personalization, improving credit decisioning and cross-sell precision. These partnerships increase resilience and help optimize costs while accelerating product innovation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance \u0026amp; Asset Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnderwriters and investment partners expand Grupo Supervielle’s bancassurance and fund shelf, enabling broader product distribution and improved asset-liability matching. Co-distribution with insurers and asset managers lifts fee income and customer stickiness. Risk-sharing arrangements enhance capital efficiency and solvency metrics. Clients receive curated multi-asset solutions tailored to retail and wholesale segments.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUnderwriters \u0026amp; investment partners: broaden product range\u003c\/li\u003e\n\u003cli\u003eCo-distribution: higher fee income, greater retention\u003c\/li\u003e\n\u003cli\u003eRisk-sharing: improved capital efficiency\u003c\/li\u003e\n\u003cli\u003eClients: curated multi-asset solutions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulators \u0026amp; Industry Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEngagement with BCRA and sector associations ensures Grupo Supervielle’s compliance and market stability, providing formal channels for policy feedback and reducing operational risk through clear regulatory alignment. Active participation in payments and AML standard-setting reinforces controls and builds trust with customers and investors by demonstrating governance rigor.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRegulatory engagement — strengthens compliance\u003c\/li\u003e\n\u003cli\u003ePolicy feedback — lowers operational risk\u003c\/li\u003e\n\u003cli\u003eStandards participation — improves payments \u0026amp; AML\u003c\/li\u003e\n\u003cli\u003eStakeholder trust — attracts customers \u0026amp; investors\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e\u003c\/h3\u003e\n\u003cp\u003eAlliances and cloud scale payments, trade finance and digital onboarding \u003cstrong\u003e$620B\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAlliances with correspondent banks and fintechs enhance payments, trade finance and digital onboarding, improving liquidity access and settlement efficiency. Technology and data vendors scale operations—global public cloud market reached about $620 billion in 2024—boosting analytics, security and cost optimization. Underwriters, insurers and regulators expand product distribution, risk-sharing and compliance channels.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003ePrimary impact\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\u003ctr\u003e\n\u003ctd\u003ePublic cloud vendors\u003c\/td\u003e\n\u003ctd\u003e$620B market (2024): scalability, analytics\u003c\/td\u003e\n\u003c\/tr\u003e\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas for Grupo Supervielle detailing customer segments, value propositions, channels, revenue streams and key resources across 9 BMC blocks, with competitive analysis, SWOT and actionable insights for investors and strategists.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Grupo Supervielle's strategy into a digestible one-page canvas for quick review and decision-making, ideal for teams and executives.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLending \u0026amp; Credit Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOrigination across consumers, SMEs and corporates drove balance-sheet growth, with the loan book expanding about 20% YoY in 2024 to roughly ARS 1.1 trillion. Risk-based pricing and credit scoring underpin underwriting, preserving yield while segmenting risk tiers. Continuous monitoring and collection strategies kept NPLs below 3% in 2024. Sector specialization enabled tailored solutions for agribusiness, retail and manufacturing clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit Gathering \u0026amp; Cash Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGrupo Supervielle focuses on attracting low-cost deposit funding to support lending and liquidity, with deposits growing 12% in 2024 to underpin credit lines and reduce reliance on wholesale funding. Transactional services — payments, accounts and POS — strengthen day-to-day client ties and raised fee income in 2024. Cash concentration and payments solutions optimize corporate cash flow, while more stable retail funding in 2024 curtailed interest expense volatility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Product Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMobile, web and API enhancements raised customer experience at Grupo Supervielle, with over 1.2 million active digital customers reported in 2024 and digital transactions surpassing branch volumes for core services. Agile delivery reduced time-to-market and defects, accelerating monthly releases. UX, security and performance are continuously optimized through A\/B testing and automated security scans. Strategic partnerships with fintechs compress innovation cycles and expand API ecosystems.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk, Compliance \u0026amp; AML\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRisk, Compliance \u0026amp; AML functions actively manage credit, market, liquidity and operational risks through portfolio monitoring, limits and contingency planning, while KYC, AML and sanctions screening preserve client and transaction integrity. Regular stress testing and a robust governance framework ensure alignment with regulatory expectations, safeguarding capital and reputation.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eComprehensive risk monitoring\u003c\/li\u003e\n\u003cli\u003eKYC, AML, sanctions screening\u003c\/li\u003e\n\u003cli\u003ePeriodic stress testing\u003c\/li\u003e\n\u003cli\u003eGovernance aligned with regulators\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury \u0026amp; Balance Sheet Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eTreasury and balance sheet management at Grupo Supervielle aligns ALM to optimize duration, maintain liquidity buffers (~12% of deposits in 2024) and diversify funding mix; trading and hedging actively manage rate and FX exposures to protect net interest margins. Investment portfolios balance yield and risk across sovereign and corporate instruments, while treasury enforces pricing discipline across loan and deposit products.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eALM: duration \u0026amp; liquidity\u003c\/li\u003e\n\u003cli\u003eHedging: rate \u0026amp; FX\u003c\/li\u003e\n\u003cli\u003eInvestments: yield vs risk\u003c\/li\u003e\n\u003cli\u003ePricing: product-level discipline\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoans ARS 1.1T (+20% YoY), Deposits +12%, 1.2M digital users, NPLs \u0026lt;3%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOrigination across consumers, SMEs and corporates grew loans ~20% YoY to ARS 1.1T in 2024, underpinned by risk-based pricing and NPLs \u0026lt;3%. Deposits rose 12% in 2024, supporting liquidity and lowering wholesale funding. Digital channels reached 1.2M active users, shifting volumes online and boosting fee income. Treasury\/ALM maintained ~12% liquidity buffer and active FX\/rate hedging.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eARS 1.1T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan growth\u003c\/td\u003e\n\u003ctd\u003e~20% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits growth\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive digital users\u003c\/td\u003e\n\u003ctd\u003e1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;3%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity buffer\u003c\/td\u003e\n\u003ctd\u003e~12% of deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Grupo Supervielle Business Model Canvas you'll receive after purchase. It's not a mockup—this snapshot comes from the final editable file. After buying, you'll download the complete document formatted and ready to edit, present, or share.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranch \u0026amp; ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePhysical branch and ATM network underpins client acquisition, advisory and cash services for Grupo Supervielle, maintaining brand visibility in key Argentine regions in 2024. Hybrid models increasingly blend in-branch advisory with digital transaction channels to boost retention. Selective footprint optimization in 2024 targets cost reduction while preserving service access in strategic locations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platforms \u0026amp; APIs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMobile and web channels deliver 24\/7 services, supporting millions of monthly sessions across Grupo Supervielle’s digital ecosystem. APIs enable corporate integrations and partnerships, connecting fintechs and firms for account-to-account flows and B2B services. Robust security and 99.9%+ uptime SLAs sustain client trust, while scalable data pipelines power real-time personalization and segmentation of millions of customer profiles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital \u0026amp; Relationship Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eIn 2024 Grupo Supervielle leverages specialized SME and corporate relationship managers to deepen client ties and grow fee income. Dedicated risk, compliance and IT talent underpin controlled expansion and digital resilience. Sales teams focus on cross-sell and retention to boost lifetime value. Continuous training programs sustain service quality and regulatory adherence.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand, Trust \u0026amp; Customer Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eGrupo Supervielle's recognized brand lowers acquisition friction, supporting cross-sell; in 2024 it served over 2.0 million customers and held roughly 4% of Argentine deposit market share, enhancing branch and digital conversion. Long-standing relationships lift loyalty and NPS; transaction and behavioral data enable targeted offers; strong reputation eases access to funding.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ecustomers: \u0026gt;2.0M (2024)\u003c\/li\u003e\n\u003cli\u003edeposit market share: ~4% (2024)\u003c\/li\u003e\n\u003cli\u003ehigh cross-sell, lower CAC\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital, Liquidity \u0026amp; Licenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eRegulatory capital (CET1 ~14.8% at mid‑2024) enables Grupo Supervielle to expand credit while meeting Basel requirements; stable liquidity (liquidity coverage \u0026gt;110% in 1H24) underpins daily operations and market confidence. Banking, insurance and asset‑management licenses allow multi‑product distribution, while governance frameworks support sustainable, compliant growth.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCapital:CET1 ~14.8% (mid‑2024)\u003c\/li\u003e\n\u003cli\u003eLiquidity:LCR \u0026gt;110% (1H24)\u003c\/li\u003e\n\u003cli\u003eLicenses:banking, insurance, asset mgmt\u003c\/li\u003e\n\u003cli\u003eGovernance:risk and compliance frameworks\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel reach \u003cstrong\u003e\u0026gt;2.0M\u003c\/strong\u003e customers; CET1 \u003cstrong\u003e~14.8%\u003c\/strong\u003e, LCR \u003cstrong\u003e\u0026gt;110%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePhysical branch\/ATM network and digital channels (mobile\/web, APIs) jointly serve \u0026gt;2.0M customers, enabling cross‑sell and 24\/7 access. Specialized SME\/corporate RMs, risk, compliance and IT staff support product distribution and controlled growth. Brand strength and data-driven personalization lift conversion and retention. Regulatory capital and liquidity (CET1 ~14.8%, LCR \u0026gt;110%) underpin lending capacity.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024 value\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;2.0M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit market share\u003c\/td\u003e\n\u003ctd\u003e~4%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (mid‑2024)\u003c\/td\u003e\n\u003ctd\u003e~14.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR (1H24)\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;110%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUniversal Banking Convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUniversal Banking Convenience bundles accounts, payments, loans, investments and insurance into one platform so customers access everything from a single relationship. Seamless branch-to-digital journeys deliver consistent service and interface, reducing switching frictions. Integrated data enables faster credit and product decisions through centralized analytics. Consolidation cuts customer time and transactional costs by simplifying administration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSME-Focused Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGrupo Supervielle delivers SME-focused solutions: tailored working capital, factoring and cash-management packages, plus payroll and supplier-payment tools that streamline operations. Relationship managers with local sector expertise provide quick credit decisions with pragmatic documentation. In 2024 Argentina’s SMEs—about 99% of firms—remain priority clients, driving the bank’s SME product expansion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital, Secure, Always-On\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eGrupo Supervielle prioritizes an intuitive app and web platform with strong multi-factor authentication; in 2024 it emphasized real-time payments and transfers to boost utility, layered proactive alerts and user controls to reduce fraud risk, and continuous updates delivering features customers value while maintaining Buenos Aires-based operational oversight.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth \u0026amp; Retirement Offerings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFunds, advisory and savings products tailored to conservative, balanced and growth risk profiles, serving 1.2 million retail clients in 2024 and expanding AUM across multi-asset mandates.\u003c\/p\u003e\n\u003cp\u003eGoal-based planning maps life-cycle needs from accumulation to decumulation with scenario testing; transparent fees and standardized reporting increase client trust.\u003c\/p\u003e\n\u003cp\u003eProprietary market insights and monthly research briefings improve allocation decisions and reported 12-month fund performance dispersion.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProducts: funds, advisory, savings\u003c\/li\u003e\n\u003cli\u003eClients: 1.2M (2024)\u003c\/li\u003e\n\u003cli\u003eApproach: goal-based, life-cycle\u003c\/li\u003e\n\u003cli\u003eTrust: transparent fees \u0026amp; reporting\u003c\/li\u003e\n\u003cli\u003eEdge: market insights \u0026amp; research\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance \u0026amp; Protection Bundles\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBancassurance embedded in loans and accounts streamlines purchase and increases take-up by offering automatic enrollment at origination; claims processes are simplified with clear coverage options and digital filing, lowering friction for retail clients. Bundled products reduce total cost of ownership through combined premiums and fees while improving customers financial resilience in shocks.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBancassurance integration\u003c\/li\u003e\n\u003cli\u003eSimple claims workflow\u003c\/li\u003e\n\u003cli\u003eClear coverage tiers\u003c\/li\u003e\n\u003cli\u003eLower TCO via bundles\u003c\/li\u003e\n\u003cli\u003eEnhanced financial resilience\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUniversal banking bundle accelerates SME growth in Argentina with \u003cstrong\u003e1.2M\u003c\/strong\u003e users, \u003cstrong\u003e99%\u003c\/strong\u003e SME reach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUniversal banking bundling accounts, payments, loans, investments and insurance into one relationship reduces friction and transaction costs; centralized analytics speeds credit decisions. SME suite targets Argentina’s SMEs (≈99% of firms) with working capital, factoring and payroll tools. Digital-first app with multi-factor auth and 2024 push on real-time payments increases utility and fraud protection; retail base 1.2M (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail clients\u003c\/td\u003e\n\u003ctd\u003e1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME target\u003c\/td\u003e\n\u003ctd\u003e≈99% of firms\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePriority tech\u003c\/td\u003e\n\u003ctd\u003eReal-time payments\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAssigned bankers for SMEs and corporates deliver tailored service and industry-specific solutions; regular check-ins as of 2024 systematically surface cross-sell opportunities and early risk signals. Clear escalation paths speed resolution of complex needs, reducing turnaround times and preserving relationships. Deeper trust from personalized engagement increases share of wallet over time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOmnichannel support via branches, chat, phone and app ensures continuity of service and was pivotal as digital channel usage exceeded 60% in 2024, keeping customer journeys seamless. A unified CRM preserves context across channels, reducing repeat inquiries and boosting first-contact resolution. Strict SLAs (response targets under 24h for priority cases) drive speed of response and resolution. Expanded self-service in the app reduces friction and call volumes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLifecycle Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOnboarding, growth and retention journeys are fully mapped, using trigger-based offers tied to life events and cash-flow moments; Argentina had 82.9% internet penetration and ~146 mobile connections per 100 people in 2024, enabling timely digital outreach. Financial education modules and tools boost customers' financial health, while continuous personalized value propositions lower churn and increase wallet share.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty \u0026amp; Rewards\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLoyalty and rewards at Grupo Supervielle drive card usage through point accrual and bundled benefits, while tiered perks recognize tenure and balances to lift retention and average balances. Targeted campaigns in 2024 focused on cross-sell and activation across retail and banking channels. Data-driven segmentation and A\/B testing increased campaign ROI and reduced acquisition cost.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRewards boost usage\u003c\/li\u003e\n\u003cli\u003eTiered perks for tenure\/balances\u003c\/li\u003e\n\u003cli\u003eCampaigns enable cross-sell\/activation\u003c\/li\u003e\n\u003cli\u003eData targeting improves ROI\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFeedback \u0026amp; Co-Creation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIn 2024 Grupo Supervielle leverages surveys, Net Promoter Score and dedicated beta groups to guide product improvements, enabling rapid iteration that targets customer pain points. Transparent communication of changes and roadmaps builds credibility and increases trust. Continuous feedback loops make customers feel heard and engaged, informing prioritization and feature rollouts.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSurveys: channel for feature requests and usability data\u003c\/li\u003e\n\u003cli\u003eNPS: benchmark for satisfaction and loyalty\u003c\/li\u003e\n\u003cli\u003eBeta groups: real-world testing for fast iterations\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBankers + unified CRM, under 24h SLAs and 60%+ digital channels boost SME wallet share\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAssigned bankers and unified CRM deliver personalized SME\/corporate service with clear escalation and priority SLAs under 24h, increasing share of wallet. Omnichannel service kept journeys seamless as digital channels exceeded 60% in 2024. Onboarding and trigger-based offers leverage Argentina’s 82.9% internet penetration and ~146 mobile connections\/100 people. Loyalty programs and data-led campaigns raised activation and cross-sell.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital channel usage\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;60%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInternet penetration (Argentina)\u003c\/td\u003e\n\u003ctd\u003e82.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile connections\/100\u003c\/td\u003e\n\u003ctd\u003e~146\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePriority SLA\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;24h\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranches \u0026amp; Advisors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBranches \u0026amp; Advisors deliver in-person sales and advisory for complex needs, leveraging a nationwide network of over 300 branches in 2024 to build trust and speed onboarding. Local presence enables face-to-face KYC, cash handling and documentation-heavy processes that digital channels struggle with. Regular events and financial clinics attract prospects and deepen SME and retail relationships. This channel supports high-touch solutions like wealth, mortgage and specialized business banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile App \u0026amp; Web\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMobile app and web are Grupo Supervielle's primary channel for daily banking and payments, serving over 2 million digital customers as of 2024 and handling the majority of retail transactions. Personalized dashboards and AI-driven insights raise engagement and average session value. Secure sign-in with biometrics and multi-factor authentication strengthens safety. Continuous delivery pipelines enable monthly feature releases and faster capability rollout.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATMs \u0026amp; Correspondents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eIn 2024 Grupo Supervielle maintains a nationwide ATM and correspondent network providing convenient cash access and deposits across regions, handling thousands of daily transactions. Extended hours and retailer correspondents increase availability beyond branch times. Strategic partnerships widen coverage cost-effectively and support basic transactions at scale.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eContact Center \u0026amp; Chat\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVoice and chat resolve issues quickly, with remote sales teams driving upsell and retention by converting inquiries into products; banks reported automation-led cost reductions in 2024 of roughly 25–35% in customer service operations. IVR and bots handle routine tasks at scale, freeing human agents to manage exceptions and complex cases where conversion and compliance risk are highest. Human agents focus on exception handling and high-value interactions to protect customer lifetime value.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eVoice\/chat: rapid issue resolution\u003c\/li\u003e\n\u003cli\u003eRemote sales: upsell \u0026amp; retention\u003c\/li\u003e\n\u003cli\u003eIVR\/bots: routine task automation\u003c\/li\u003e\n\u003cli\u003eHuman agents: exceptions \u0026amp; high-value cases\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Portals \u0026amp; APIs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCorporate portals offer treasury modules for payments, collections and FX while APIs integrate directly with ERP and accounting systems to automate postings and reconciliations; real-time feeds improve cash visibility to near-instant levels and entitlement controls limit access to authorized users, reducing operational fraud risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\u003c\/ul\u003e\n\u003cli\u003e2024: real-time cash visibility enabled instant reconciliation\u003c\/li\u003e\n\u003cli\u003eAPIs: seamless ERP\/accounting integration\u003c\/li\u003e\n\u003cli\u003eTreasury: payments, collections, FX\u003c\/li\u003e\n\u003cli\u003eSecurity: role-based entitlements\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel bank: 300+ branches, 2M+ digital users, 25–35% service cost savings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBranches (300+ in 2024) provide high-touch sales, KYC and cash services for wealth, mortgages and SMEs. Mobile\/web serve over 2 million digital customers in 2024 and handle most retail transactions with monthly releases and biometrics. ATM\/correspondent network offers thousands of daily cash\/deposit transactions and broad coverage. Voice\/chat\/IVR cut service costs ~25–35% while portals\/APIs enable real-time treasury and ERP integration.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003e2024 Metric\u003c\/th\u003e\n\u003cth\u003eImpact\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e300+ locations\u003c\/td\u003e\n\u003ctd\u003eFace-to-face KYC \u0026amp; complex sales\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital (App\/Web)\u003c\/td\u003e\n\u003ctd\u003e2M+ users\u003c\/td\u003e\n\u003ctd\u003ePrimary transaction hub\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATM\/Correspondents\u003c\/td\u003e\n\u003ctd\u003eThousands tx\/day\u003c\/td\u003e\n\u003ctd\u003eWidespread cash access\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eService Automation\u003c\/td\u003e\n\u003ctd\u003e25–35% cost reduction\u003c\/td\u003e\n\u003ctd\u003eAgents focus on exceptions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\/APIs\u003c\/td\u003e\n\u003ctd\u003eReal-time cash visibility (2024)\u003c\/td\u003e\n\u003ctd\u003eInstant reconciliation \u0026amp; ERP integration\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Retail Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSalaried and self-employed retail customers (over 2.3 million served by Grupo Supervielle in 2024) rely on daily banking products—transaction accounts, debit\/credit cards, personal loans and payment services—where price and convenience are decisive. Digital channels process the majority of routine interactions, while a branch network provides in-person support and loan origination. Competitive pricing and fast digital onboarding drive acquisition and retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAffluent \u0026amp; Emerging Wealth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAffluent \u0026amp; Emerging Wealth clients demand advisory, investments and premium service supported by tailored credit and protection; Grupo Supervielle serves ~1.2 million retail customers with a dedicated private banking unit and relationship-led teams. In 2024 the bank reported AUM around ARS 250 billion in wealth-management products, emphasizing transparency and performance reporting. Dedicated relationship managers deliver bespoke credit solutions and risk protection aligned to client profiles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSMEs \u0026amp; Entrepreneurs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eGrupo Supervielle targets SMEs and entrepreneurs with working capital, POS, payroll and cash management solutions tailored for fast decisions and flexible collateral needs. They prioritize local expertise and proximity for on-the-ground underwriting. Lifecycle support spans startup to scale. SMEs represent 99% of Argentine firms, ~70% of employment and about 40% of GDP (INDEC).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLarge corporates demand complex financing, trade, FX and transaction banking with reliable limits, integrated systems and strict governance; service-level agreements and multi-entity, cross-border solutions are essential for treasury continuity and regulatory compliance.\u003c\/p\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\n\u003cli\u003eComplex financing, trade, FX, transaction banking\u003c\/li\u003e\n\u003cli\u003eReliability, credit limits, system integration\u003c\/li\u003e\n\u003cli\u003eHigh governance, SLA-driven service levels\u003c\/li\u003e\n\u003cli\u003eMulti-entity, cross-region cash management\u003c\/li\u003e\n\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic \u0026amp; Nonprofit Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePublic and nonprofit clients rely on Grupo Supervielle for payroll, collections and project financing, requiring high compliance and transparency; in Argentina public payrolls cover roughly 3.2 million workers in 2024, making scale and accuracy critical.\u003c\/p\u003e\n\u003cp\u003eStability and service continuity drive procurement choices, where competitive tenders—used in most municipal and provincial contracts—favor banks with audited processes and 24\/7 operations.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePayroll: large-scale, recurring processing\u003c\/li\u003e\n\u003cli\u003eCollections: high compliance, traceability\u003c\/li\u003e\n\u003cli\u003eProject financing: long tenors, public scrutiny\u003c\/li\u003e\n\u003cli\u003eSelection drivers: continuity, transparency, competitive tenders\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e\n\u003cstrong\u003e2.3M\u003c\/strong\u003e retail, 1.2M affluent, SMEs - payroll for 3.2M workers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail: 2.3M clients (2024) use daily banking; Digital-first onboarding and competitive pricing. Affluent: 1.2M clients, AUM ~ARS 250bn in wealth products. SMEs: core target (99% firms, ~70% employment) needing working capital, POS, payroll. Public: payroll for ~3.2M workers, collections and project finance requiring high compliance.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eClients\/Scale 2024\u003c\/th\u003e\n\u003cth\u003eKey needs\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e2.3M\u003c\/td\u003e\n\u003ctd\u003eAccounts, cards, loans\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAffluent\u003c\/td\u003e\n\u003ctd\u003e1.2M \/ ARS250bn AUM\u003c\/td\u003e\n\u003ctd\u003eAdvisory, bespoke credit\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e99% firms\u003c\/td\u003e\n\u003ctd\u003eWorking capital, POS\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic\u003c\/td\u003e\n\u003ctd\u003ePayroll 3.2M\u003c\/td\u003e\n\u003ctd\u003ePayroll, collections\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest \u0026amp; Funding Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eInterest and funding costs for Grupo Supervielle are driven by expense on deposits, wholesale funding and capital, with domestic rate volatility in 2024 compressing margins across lending and treasury books. ALM frameworks and hedging strategies mitigate repricing risk by aligning asset and liability tenors and using derivatives. Diversified funding—retail deposits, term wholesale lines and capital markets—lowers overall cost and improves resilience versus reliance on any single source.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel \u0026amp; Branch Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSalaries, training and branch facility costs form the core of Grupo Supervielle’s personnel and branch operations, with relationship managers and branch teams driving both acquisition and ongoing service. Targeted productivity programs monitor transactions per FTE and branch throughput to control unit costs. Continuous training lowers onboarding time and improves cross-sell rates, while footprint optimization—consolidating low-performing branches and reallocating resources—reduces fixed facility spend.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology \u0026amp; Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore systems, cloud platforms, software licenses and ongoing development drive Grupo Supervielle’s tech cost base; in 2024 IT and cybersecurity spending rose 18% year-on-year to support uptime and data protection. Security investments guard customer data and availability, while analytics and data platforms enable cross-sell growth. Recurring vendor fees and third-party integrations add material operational expense.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Losses \u0026amp; Provisions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eExpected loss charges at Grupo Supervielle reflect portfolio risk and concentration, with higher provisions in retail and SME segments; collection and recovery operations add measurable operating expense, while macroeconomic conditions in Argentina drive cyclical increases in provisioning; strong underwriting and risk scoring have reduced volatility in recent periods.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eExpected-loss sensitivity to macro cycles\u003c\/li\u003e\n\u003cli\u003eCollection costs raise expense ratios\u003c\/li\u003e\n\u003cli\u003eUnderwriting quality lowers provision volatility\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory \u0026amp; Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRegulatory \u0026amp; Compliance costs at Grupo Supervielle cover KYC\/AML operations, continuous audits, and mandatory reporting, driving intensive staffing and technology spend; capital and liquidity buffers impose clear opportunity costs by locking funds that could otherwise be deployed for lending or investments. Insurance and legal fees are budgeted to ensure continuity, while frequent policy updates demand structured change management and training across the bank.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eKYC\/AML: ongoing operational and tech costs\u003c\/li\u003e\n\u003cli\u003eAudits\/reporting: recurring compliance overhead\u003c\/li\u003e\n\u003cli\u003eCapital\/liquidity: opportunity cost of parked funds\u003c\/li\u003e\n\u003cli\u003eInsurance\/legal: continuity and risk transfer\u003c\/li\u003e\n\u003cli\u003ePolicy updates: change management and training\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e2024 funding costs rose; IT spend \u003cstrong\u003e18%\u003c\/strong\u003e; ALM, hedging and cuts eased margins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eInterest\/funding costs rose in 2024 as domestic rate volatility compressed margins; ALM and hedging partially mitigated repricing risk. Personnel and branch optimization reduced unit costs while training improved cross-sell. IT and cybersecurity spend increased 18% y\/y in 2024 to support uptime and data protection; provisioning and collection expenses rose with macro weakness.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost Category\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT \u0026amp; Cybersecurity\u003c\/td\u003e\n\u003ctd\u003e+18% y\/y\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFunding costs\u003c\/td\u003e\n\u003ctd\u003eElevated (margin compression)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProvisions \u0026amp; Collections\u003c\/td\u003e\n\u003ctd\u003eHigher (macroeconomic driven)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Income on Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eInterest income stems from consumer, SME and corporate credit with yields reflecting segment risk and funding costs; in 2024 Grupo Supervielle reported loan-book growth of about 18% YoY while net interest income rose circa 22% YoY, driven by higher retail yields and corporate pricing adjustments. Pricing differentiates by risk tier and funding term, with volume growth and a shift toward higher-yield consumer and SME loans expanding NII. Stringent collection discipline—delinquency management and provisioning—supported sustainable returns through 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFees \u0026amp; Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFees \u0026amp; commissions at Grupo Supervielle combine account, payments, card and cash-management charges with advisory and structuring fees for corporates; in 2024 fee income grew 22% year-on-year reflecting higher transactional activity. Expanding transaction volumes — driven by digital payments and corporate deal flow — broaden the fee base, while product bundling raises customer attachment and boosts per-customer fee capture.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Management \u0026amp; Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eManagement fees from funds and portfolios (industry range 0.5–2% of AUM) form the base of Grupo Supervielle’s asset management revenue, while performance fees (commonly 10–20% of outperformance) and distribution commissions materially influence topline. Cross-sell into affluent clients and corporate treasuries raises fee density and client lifetime value, and transparent, tiered pricing supports retention and recurring revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance (Bancassurance) Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInsurance (bancassurance) income at Grupo Supervielle derives from premium-sharing and commissions on protection products, with many offers embedded at point of credit origination to raise attachment rates; low capital intensity of distribution lifts ROE while claims service and quick payouts strengthen customer loyalty and retention.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePremium-sharing and commissions\u003c\/li\u003e\n\u003cli\u003eEmbedded offers at credit point\u003c\/li\u003e\n\u003cli\u003eLow capital intensity → higher ROE\u003c\/li\u003e\n\u003cli\u003eClaims service supports loyalty\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFX, Trading \u0026amp; Treasury Results\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFX, Trading \u0026amp; Treasury generate fee and spread income from FX, securities and liquidity management while corporate hedging services add client flow; ALM positioning contributes within approved risk limits and helps stabilize net interest margins. This stream diversifies revenue across cycles, reducing reliance on retail spreads.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpreads on FX and securities\u003c\/li\u003e\n\u003cli\u003eLiquidity management gains\u003c\/li\u003e\n\u003cli\u003eCorporate hedging flow\u003c\/li\u003e\n\u003cli\u003eALM risk-limited contribution\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoans \u003cstrong\u003e+18%\u003c\/strong\u003e, NII \u003cstrong\u003e+22%\u003c\/strong\u003e, Fees \u003cstrong\u003e+22%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eInterest income (loan book +18% YoY in 2024) underpinned NII +22% YoY, driven by higher retail\/SME yields and tighter pricing; provisioning stayed disciplined. Fee income +22% YoY from payments, cards and advisory; AUM fees 0.5–2% and performance fees 10–20%. Bancassurance and FX\/trading add low-capital commissions and spread income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003cth\u003eNote\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book growth\u003c\/td\u003e\n\u003ctd\u003e+18% YoY\u003c\/td\u003e\n\u003ctd\u003eRetail \u0026amp; SME-led\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII\u003c\/td\u003e\n\u003ctd\u003e+22% YoY\u003c\/td\u003e\n\u003ctd\u003eHigher yields\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income\u003c\/td\u003e\n\u003ctd\u003e+22% YoY\u003c\/td\u003e\n\u003ctd\u003ePayments, advisory\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM \u0026amp; perf fees\u003c\/td\u003e\n\u003ctd\u003e0.5–2% \/ 10–20%\u003c\/td\u003e\n\u003ctd\u003eAsset mgmt\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"PESTEL Analysis","offers":[{"title":"Default Title","offer_id":58098080940380,"sku":"gruposupervielle-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/8127\/0620\/files\/gruposupervielle-business-model-canvas.png?v=1781795835","url":"https:\/\/pestel-analysis.com\/products\/gruposupervielle-business-model-canvas","provider":"PESTEL ANALYSIS","version":"1.0","type":"link"}