SUPV Latest Report

Financial Performance

Grupo Supervielle's total operating revenue in September 2024 was RMB186.161 billion, a decrease of approximately 24.4% from RMB2460.89 billion in 2023. This significant decline reflects a decline in the company's revenue-generating capacity, which may negatively impact its overall profitability and financial health.

Key Financial Data

1. A 24.4% YoY decrease in total operating revenue indicates a significant weakening of revenue-generating capacity.

2. Intensified industry competition may lead to increased pressure on market share and customer acquisition.

3. Changes in the macroeconomic environment (such as interest rates, inflation) affect borrowing demand, which in turn affects revenue.

4. Changes in industry policies (such as regulatory policies, tax policies) may affect business operations.

5. The risk of customer loss increases, further affecting operating revenue if market demands are not met.

Peer Comparison

1. Industry-wide analysis: The financial industry faced double pressure of rising interest rates and economic slowdown in 2024, with a general decline in total operating revenue, reflecting the overall poor health of the industry.

2. Peer evaluation analysis: Grupo Supervielle's revenue decline was significant, indicating its lack of competitiveness in the market. In contrast, other financial institutions may have maintained relatively stable revenue levels through effective cost control and market strategies.

Summary

Grupo Supervielle's revenue decline is mainly due to factors such as intensified competition, changes in the economic environment, and increased customer loss risk. The company needs to carefully assess the impact of these external environments on its business and make corresponding strategic adjustments.

Opportunities

1. Attract lost customers and expand new customers through improved customer service and product innovation.

2. Enhance market competitiveness in a competitive market through technological upgrades and service optimization.

3. Pay attention to macroeconomic changes and flexibly adjust credit policies to adapt to market demand.

4. Strengthen communication with regulatory authorities to effectively manage the impact of policy changes.

Risks

1. Economic and financial turmoil may lead to liquidity problems and credit supply contraction, adversely affecting business operations.

2. Intensified industry competition may lead to further loss of market share, affecting revenue levels.

3. Increased customer loss rates may lead to a decline in the company's reputation and market position.

4. Policy changes may pose potential threats to business operations and revenue.