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Form 20-F Grupo Supervielle S.A

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Form 20-F Grupo Supervielle S.A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ANNUAL REPORT PURSUANT TO SECTION 13 OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2016 Commission file number 001-37777 GRUPO SUPERVIELLE S.A. (Exact name of Registrant as specified in its charter) SUPERVIELLE GROUP S.A. (Translation of Registrant’s name into English) REPUBLIC OF ARGENTINA (Jurisdiction of incorporation or organization) Bartolomé Mitre 434, 5th Floor C1036AAH Buenos Aires Republic of Argentina (Address of principal executive offices) Alejandra Naughton Bartolomé Mitre 434, 5th Floor C1036AAH Buenos Aires Republic of Argentina Tel: 54-11-4340-3053 Email: [email protected] (Name, Telephone, E-mail and/or Facsimile number and Address of Company Contact Person) Securities registered or to be registered pursuant to Section 12(b) of the Act: Title of each class Name of each exchange on which registered American Depositary Shares, each representing 5 Class B New York Stock Exchange shares of Grupo Supervielle S.A. Class B shares of Grupo Supervielle S.A. New York Stock Exchange* * Not for trading, but only in connection with the registration of American Depositary Shares pursuant to the requirements of the New York Stock Exchange. Securities registered or to be registered pursuant to Section 12(g) of the Act: None Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act: None Table of Contents The number of outstanding shares of each of the issuer’s classes of capital or common stock as of December 31, 2016 was: Title of class Number of shares outstanding Class B ordinary shares, nominal value Ps.1.00 per share 237,039,427 Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes o No x If this report is an annual or transitional report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. Yes o No x Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days: Yes x No o Indicate by check mark whether the registrant has submitted electronically and posted on its Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Not applicable. Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one): Large accelerated filer o Accelerated filer o Non-accelerated filer x Emerging growth company o If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards † provided pursuant to Section 13(a) of the Exchange Act. o † The term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards Board to its Accounting Standards Codification after April 5, 2012. Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing: U.S. GAAP o IFRS o Other x If “Other” has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow: Item 17 o Item 18 x If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o No x Table of Contents TABLE OF CONTENTS Item 1. Identity of Directors, Senior Management and Advisors 1 Item 2. Offer Statistics and Expected Timetable 1 Item 3. Key Information 1 Item 3.A. Selected Financial Data 1 Item 3.B Capitalization and indebtedness 6 Item 3.C Reasons for the offer and use of proceeds 6 Item 3.D Risk Factors 6 Item 4. Information of the Company 32 Item 4.A History and development of the Company 37 Item 4.B Business overview 41 Item 4.C Organizational structure 130 Item 4.D Property, plants and equipment 130 Item 5. Operating and Financial Review and Prospects 156 Item 5.A Operating Results 156 Item 5.B Liquidity and Capital Resources 196 Item 5.C Research and Development, patents and licenses, etc. 205 Item 5.D Trend Information 206 Item 5.E Off-balance sheet arrangements 207 Item 5.F Contractual Obligations 208 Item 5.G Safe Harbor 209 Item 6. Directors, Senior Management and Employees 209 Item 7. Shareholders and Related Party Transactions 232 Item 7.A. Major Shareholders 232 Item 7.B Related Party Transactions 233 Item 7.C Interests of experts and counsel 236 Item 8. Financial Information 236 Item 8.A. Consolidated Statements and Other Financial Information 236 Item 8.B Significant Changes 240 Item 9. The Offer and Listing 240 Item 10. Additional Information 241 Item 10.A. Share capital 241 Item 10.B. Memorandum and articles of association 241 Item 10.C Material contracts 248 Item 10.D Exchange Controls 248 Item 10.E Taxation 253 Item 10.F Dividends and paying agents 259 Item 10.G Statement by experts 259 Item 10.H Documents on display 259 Item 10.I. Subsidiary Information 259 Item 11. Quantitative and Qualitative Disclosures about Market Risk 259 Table of Contents Item 12. Description of Securities Other Than Equity Securities 265 Item 12.A Debt Securities 265 Item 12.B Warrants and Rights 265 Item 12.C Other Securities 265 Item 12.D American Depositary Shares 265 Item 13. Defaults, Dividend Arrearages and Delinquencies 266 Item 14. Material Modifications to the Rights of Security Holders and Use of Proceeds 266 Item 15. Controls and Procedures 266 Item 16.A Audit committee financial expert 266 Item 16.B Code of Ethics 267 Item 16.C Principal Accountant Fees and Services 267 Item 16.D Exemptions from the Listing Standards for Audit Committees 267 Item 16.E. Purchases of Equity Securities by the Issuer and Affiliated Purchasers 267 Item 16.F Change in Registrant’s Certifying Accountant 267 Item 16.G Corporate Governance 268 Item 16.H. Mine Safety Disclosure 270 Item 17. Financial Statements 270 Item 18. Financial Statements 270 Item 19. Exhibits 271 Table of Contents CERTAIN DEFINED TERMS AND CONVENTIONS In this annual report, we use the terms “we,” “us,” “our” and the “group” to refer to Grupo Supervielle S.A. and its consolidated subsidiaries, including Banco Supervielle S.A., unless otherwise indicated. References to “Grupo Supervielle” mean Grupo Supervielle S.A. References to the “Bank” mean Banco Supervielle S.A. and its consolidated subsidiaries. References to “Tarjeta” mean Tarjeta Automática S.A. References to “Cordial Microfinanzas” mean Cordial Microfinanzas S.A. References to “SAM” mean Supervielle Asset Management Sociedad Gerente de FCI S.A. References to “Adval” mean Adval S.A. References to “Sofital” mean Sofital S.A.F.e I.I. References to “CCF” mean Cordial Compañía Financiera S.A. References to “Supervielle Seguros” mean Supervielle Seguros S.A. References to “Espacio Cordial” or “Cordial Servicios” mean Espacio Cordial Servicios S.A. References to “Viñas del Monte” mean Viñas del Monte S.A. References to “Class B shares” refer to shares of our Class B common stock, all with a par value of Ps.1.00 per share and references to “ADSs” are to American depositary shares, each representing five Class B shares, except where the context requires otherwise. The term “Argentina” refers to the Republic of Argentina. The terms “Argentine government” or the “government” refers to the federal government of Argentina, the term “Central Bank” refers to the Banco Central de la República Argentina , or the Argentine Central Bank, and the term “CNV” refers to the Argentine Comisión Nacional de Valores , or the Argentine securities regulator. “U.S. GAAP” refers to generally accepted accounting principles in the United States of America (“United States” or “U.S.”), “Argentine GAAP” refers to generally accepted accounting principles in Argentina and “Argentine Banking GAAP” refers to the accounting rules of the Central Bank. The term “GDP” refers to gross domestic product and all references in this annual report to GDP growth are to real GDP growth, the term “CPI” refers to the consumer price index and the term “WPI” refers to the wholesale price index. The term “customers” refers to individuals or entities that have at least one of our products without any requirement of customer activity during any time period. Unless the context otherwise requires, the term “financial institutions” refers to institutions regulated by the Central Bank. The term “Argentine banks” refers to banks that operate in Argentina. The term “Argentine private banks” refers to banks that are not controlled or owned by the Argentine federal government or any Argentine provincial, municipality or city government. The term “private domestically-owned banks” refers to private banks that are controlled by Argentine shareholders.
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