Grupo Supervielle S.A. - Our Approach

ESG Highlights

At Grupo Supervielle, we are committed to help our employees, customers and communities grow sustainably, protecting the environment and acting socially responsibly.

Our sustainability strategy is integrated into our business model and we promote a responsible culture among our employees.

We openly and transparently report our non-financial performance including our environmental, social and corporate governance factors (ESG).

Transparency And Sustainability Strategy Disclosure Standards

Sustainability Report based on international standards (Global Reporting Initiative) published since 2015, with independent validation from Price Waterhouse & Co. S.R.L. Shows performance in economic, social and environmental matters.

First financial group admitted to the GC level of the BYMA Corporate Governance Panel. Includes those companies that voluntarily disclose corporate governance practices in line with best international standards.

Second consecutive year integrating the first sustainability index of the Argentine market, created by ByMA jointly by the IDB.

Ranked by Institutional Investor in 2^nd place for BEST ESG in LatAm in the Financials/Banks category in 2020.

External Validation Assurance

Board oversight encompasses Grupo Supervielle’s ESG initiatives and performance, led by Atilio María Dell’Oro Maini, who heads the Ethics, Compliance and Corporate Governance Committee.
Click here to view our ESG Commitment & Goals.

Our Environmental Responsibility

We work to reduce the impact of our operations on the environment by implementing a responsible environmental management system

Environment – Lines of Action

Energy Management

We implement programs that promote energy efficiency and expand the sustainable use of renewable resources.

Natural Resources, Supplies And Waste Management

We adopt internal processes that promote the efficient use of natural resources used in our daily operations and reduce the negative impact on the environment by the waste generated in our production and consumption processes.

Sustainable Finance

We develop financial products and services to fund companies and projects that generate a positive environmental and social impact.

Awareness Campaign

We create awareness and promote adequate learning in environmental matters with the goal of promoting a sustainability culture among our employees, suppliers and customers.

Environment – Key Facts

#1

First Argentine bank to obtain the Sustainable User/Generator Certification in 2020 for the installation of solar panels at one of its branches located in the neighborhood of Caballito. Represents energy saving of 20%, with excess energy returning to the public electricity grid.

5,424.52
TonCO2eq

It is the calculation of our Carbon Footprint in headquarters and branches for the 2020 period considering Scope 1 and Scope 2 greenhouse emissions. Offsetting 20% through the purchase of 1,085 Carbon Bonds certified by Verra.

35%

City of Buenos Aires and Greater Buenos Aires Branches.
100% supplied with renewable energy from wind source.
Renewable energy represents 18% of total energy contracted by the bank.
Acquisition of renewable energies allowed us to avoid generation of GHG emissions for an estimated total of 877.5 TonCO2eq during 2020.

55,000

Credit and debit cards recycled and used to make urban furniture donated to the City of Mendoza Municipality.

336

Companies screened and analyzed through our environmental and social risk policy, which represents 31% of the total portfolio analyzed in 2020.

+800

Obsolete IT equipment donated to Fundación Equidad for refurbishment and donated to schools, community kitchens and NGOs in the City of Buenos Aires and Greater Buenos Aires.

Social – Key Facts

Customers

94%

Average transactions conducted through our automated and digital channels during 2020 vs 6% conducted through a cashier.

88,560

Training certifications of senior citizen clients in digital literacy and financial education to date in alliance with 21 universities in 7 provinces and the City of Buenos Aires. Our digital inclusion program received the ACDE Award in 2018.

145,045

Senior citizen clients registered in the Supervielle Senior Citizen Application as of December 30, 2020, to give proof of life with facial recognition without the need to go to a branch.

Employees

#3

Position in best employers among Argentine banks of the Apertura magazine ranking and 14 among companies with more than 1000 employees.

98%

of Grupo Supervielle' s employees received some type of training. Complying with 105,000 total training hours.

#1

Banco Supervielle was the first bank to sign the assistance to victims of gender-based violence protocol in 2017. During 2020, 6 complaints were handled.

Community

1,553,623

Food plates donated by Grupo Supervielle and its clients to Banco de Alimentos in the last four years to supplement the diet of children and adults in vulnerable situations.

1,545

Volunteers (actions) of Grupo Supervielle that have been joining year after year since 2015 in solidarity initiatives to solve problems of various kinds in the communities where we operate.

$264MM

Grupo Supervielle' s social investment between 2015 and 2020 in corporate philanthropy programs with focus on childhood, education, senior people, and civic strengthening initiatives, and patronage actions.

Our Corporate Governance Responsibility

We operate in accordance with the highest standards of corporate governance, promoting transparency, ethical behavior, respect for the principle of legality and the sustainability of our activities and those of our value chain.

Corporate Governance - Lines of Action

Respect for the principle of legality

We periodically review the degree of compliance with laws and regulations that are applicable to us and implement the necessary actions to correct deviations.

Transparency

We provide information in a clear, precise and objective manner to allow interested parties to accurately assess the impact that Grupo Supervielle’s decisions and activities have on their respective interests.

Ethical Behaviour

We promote an ethical behavior based on our values and on a culture of integrity, both in the development of our activities and in the decision-making process in the interaction between our employees and with our stakeholders.

Value Chain

We work to maximize opportunities to generate shared value with our value chain, ensuring the adoption by our suppliers of the fundamental principles in terms of sustainability.

Corporate Governance – Key Facts

#1

Transparency Award granted to Grupo Supervielle in 2018 by CICyP (Consejo Interamericano de Comercio y Producción) in partnership with Bolsa de Comercio de Buenos Aires (Buenos Aires Stock Exchange) and Alliance for Integrity, in recognition of its track record based on criteria associated with the practice of ethics, integrity, conduct and compliance.

97%

Compliance with regulatory obligations mapped by EY in the Regulatory Risk Assessment carried out on Grupo Supervielle and its subsidiaries (2020). Of the 3%, during 2021, 60% of the regulatory obligations have been regularized.

3

consecutive years as part of the BYMA Corporate Governance Panel, which includes those companies already listed in BYMA that voluntarily complied with corporate governance practices in line with the best international standards.

6

Consecutive years publishing the Sustainability Report based on international standards (Global Reporting Initiative) which shows the performance in economic, social and environmental matters of the companies that comprise Grupo Supervielle.

4,613

Employees took the Code of Ethics course in the Virtual Campus during 2020.

86%

Banco Supervielle employees took the Anti-Money Laundering and Terrorism Financing course as of December 2020.

Materiality

Grupo Supervielle maintains fluid and transparent relationships with its stakeholders and continually seeks to understand their expectations and concerns, with the goal of translating these into information of strategic value for effectively managing the business.

Grupo Supervielle’s vision is in line with the expectations and needs of its stakeholders. The materiality analysis is a key process to identify those expectations and to develop action plans, objectives and strategies that promote sustainable development.

The materiality analysis is carried out annually and it is aligned with the Global Reporting Initiative Standards (GRI). The materiality issues for 2020 are listed below:

Environmental

Development of products and services designed to provide social and environmental benefits and Credit risk evaluation policies and procedures with environmental and social criteria
Optimization of resources
Energy management

Social

Client data protection
Human Rights assessment
Diversity and equal opportunities
People training and education
Financial inclusion of disadvantaged groups
Quality employment
Market positioning of our Value proposition
Economic Value creation for the comunity
Management of Employee staff health and safety
Good relationships with the community
Access points in sectors of low socio-economic levels
Commitment with customers

Governance

Profitability and economic sustainability
Ethical Behavior and Integrity culture
Socio-economic regulatory compliance
Transparency in the information of Products and services
Management of the value chain

We have identified the following stakeholders:

Materiality analysis

For the 2020 fiscal year, in addition to the information obtained from the different dialogue channels that are constantly active, we conducted online surveys with our stakeholders and held personal conversations with employees. The materiality of the 2020 Sustainability Report, which is made up of 12 topics, is the result of said interactions.

Sustainability Reports

We would like you to get to know us, to learn about our projects and initiatives. In this section you can find Grupo Supervielle Sustainability Reports, which show the main results at an economic, social and environmental level, focusing on the most relevant issues for our stakeholders.

They are prepared in accordance with the Global Reporting Initiative standards and seek to share Grupo Supervielle's contribution to the United Nations Sustainable Development Goals.

We are the first financial group admitted to the GC Level of the BYMA Corporate Governance Panel and we have been part of the BYMA sustainability index for the 3rd consecutive year.

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