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Investor Presentation March 2014

Banco Galicia

Agenda

»The Argentine Financial System

»Banco Galicia

»Annex

2

Sustained Growth in Financial Intermediation

(*) Jan-14 vs. Jan-13 variation.

CAGR: Dec-02 / Jan-14.

As of January 31, 2014.

CAGR: 26.9%

CAGR: 22.3%

3

Private-Sector Loans and Deposit Growth

As of January 31, 2014.

4

But Still Low Financial Depth

(*) Adjusted by INDEC CPI until 2006, and by private estimates since 2007. In millions of Ps. of January 2014.

5

As of December, 2011. The World Bank. As of December, 2011. The World Bank.

Increase in Interest Rates

(1) Private Banks’ 30-day time deposits rate, for deposits over Ps. 1 million. (2) Adjusted by INDEC CPI until 2006, and by private estimates since 2007.

As of January 31, 2014.

BADLAR Private Banks (1)

6

Breakdown of Deposits by Currency and Type

Deposit data is not shown for the period January-March 2002, because as a result of the devaluation and the pesification measures, figures are not homogeneous for that period.

As of January 31, 2014.

7

Change in the Composition of the Banking System

December 2001 October 2013

Number

Market Share

Private-Sector

Deposits (%)

Number

Market Share

Private-Sector

Deposits (%)

Banking Institutions 86 100 65 100

Government-Owned Banks 13 30 12 35

Private-Sector Banks 73 70 53 65

- Domestic Banks 34 15 33 31

- Foreign Banks 39 55 20 34

8

Improvement in Asset Composition and in Loan Portfolio Quality

As of December 31, 2013.

(*) Not including Central Bank Paper.

9

Improvement in Profitability

As of December 31, 2013.

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Agenda

»The Argentine Financial System

»Banco Galicia

»Annex

11

Simplified Organizational Structure

Processing

EBA HOLDING

57.98% Votes

99.6% 87.5%

12.5%

21.63% Shares

97% 77% Insurance

3%

95% 100% 100% 95%

TNP

24%

5%

5%

Collection

Perú

12

Number of Branches Employees Clients (*)

Bank 261 5,487 2,801

Reg. Credit-Card Cos. 204 5,668 4,552

CFA 95 1,170 536

Total 560 12,325 7,889

(*) In thousands.

(**) 59 branches and 36 offices.

Banco Galicia in Numbers

December 2013 (Consolidated figures)

(**)

Ps. bn. US$ bn.

(6.52 Ps./US$)

Assets 82.2 12.6

Net Loans 55.3 8.5

Deposits 51.4 7.9

Equity 6.7 1.0

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One of the Largest Banks

Market share of

loans to the private-sector (1)

Market share of

private-sector deposits

(1) Includes securitized loans and leasing. (2) Considering CFA, the Bank’s market share of loans to the private-sector would be 9.0%. Source: Argentine Central Bank. (P) Goverment owned banks

As of October 31, 2013.

(P)

(P)

(P)

(P)

(P)

(P)

TOP 10 = 76 % TOP 10 = 70 %

Galicia

Galicia (2)

14

(1) Includes securitized loans and leasing.

Source: Argentine Central Bank (except for the regional credit-card companies).

As of October 31, 2013.

Peer Comparison

+T.Reg.+CFA

15

+T.Reg.+CFA +T.Reg.+CFA

Source: Argentine Central Bank. As of October 31, 2013.

Competitive Environment

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As of December 31, 2013.

Breakdown of Loans to the Private Sector

Consolidated: Ps. 57.4 billion Bank: Ps. 41.7 billion

17

Loan Portfolio by Maturity

Maturing within 1 year: 83.0%.

US$-denominated loans: 5.1%.

Consolidated figures, as of December 31, 2013.

18

Funding Sources (non consolidated)

CAGR: 29%

(*) Includes among other: repos, financial institutions, collections on

account of third parties, debt with merchants.

US$ -denominated deposits: 7.2%. As of December 31, 2013.

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Asset Quality

As of December 31, 2013.

Acquisition of CFA

20

Excess Regulatory Capital and Total Capital Ratio

Banco Galicia consolidated.

As of December 31, 2013.

To

tal

Cap

ital

Rat

io (

%)

Minimum Requirement Ps. 5.7 bn

Regulatory Capital Ps. 7.5 bn

Excess Capital Ps. 1.8 bn / 32.0%

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Strong Profitability

22

Agenda

»The Argentine Financial System

»Banco Galicia

»Annex

23

Net Income Net Financial Income

Income Tax Net Income from Services

Operating Income

Net Charge for Loan Losses

Administrative Expenses

Net Other Income/Losses

59%

41%

100%

13%

62%

1% 10%

16%

% Change 34 33 34 18 28 -77 49 41

Variation 2012

Consolidated Income Statement

2013

24

Consolidated Income Statement

Net Income Net Financial Income

Income Tax Net Income from Services

Operating Income

Net Charge for Loan Losses

Administrative Expenses

Net Other Income/Losses

61%

39%

100%

13%

57%

0% 12%

18%

% Change 16 4 11 29 3 -69 26 15

% Change 50 28 41 -11 24 -100 101 68

Variation 3Q13

Variation 4Q12

4Q13

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Volume Growth & Productivity Improvement

Dec-02 Dec-13 Abs. %

·Employees 6,058 12,347 6,289 104

- Banco Galicia 4,057 5,487 1,430 35

- Regional Credit-Card Cos. 1,904 5,668 3,764 198

- CFA 1,170

- Other Subsidiaries 97 22 (75) (77)

·Distribution Platform

Branches

- Banco Galicia 229 261 32 14

- Regional Credit-Card Cos. 87 204 117 134

- CFA 95

·Electronic Banking Transactions (1)(in thousands, per month) 4,996 47,783 42,787 856

·Products

Deposit Accounts (*) 1,063 2,768 1,705 160

Credit Cards (*) 1,596 10,891 9,295 582

- Banco Galicia (*) 498 2,520 2,022 406

- Regional Credit-Card Cos. (*) (Proprietary brands and others) 1,098 8,270 7,172 653

- CFA (*) 101

Debit Cards(*)801 2,376 1,575 197

·Client Base (* )2,013 7,889 5,876 292

(*) In thousands.

Variation

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Tarjetas Regionales

» Consumer finance to medium and low income segments.

» Merchant acquirer and payment processing services provider to proprietary credit cards.

» Largest credit card issuer in Argentina with over:

» 3.0 million active accounts and 8.0 million cards issued.

» 204 branches and 56 offices across the country.

» 35% market share in purchase volume in the interior of Argentina (excluding the city and the province of Buenos Aires) and 15% nationwide.

» Second largest merchant acquirer with over 230,000 affiliated merchants.

» Largest independent payment processor with more than 135 million annual transactions.

In millions of Ps.

2012 2013

Assets 9,629 13,393

Loans 8,957 11,988

Net Worth 1,859 2,366

Net Income 524 636

ROE 31.8% 31.0%

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CFA | Efectivo Sí

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» Consumer finance to medium and low income segments.

» Leader in Personal Loans within consumer finance institutions.

» More than 20 years in the market with strong brand:

» 536,000 current clients (segment C1, C2, C3, D1) – more than 1 million historical clients.

» 411,000 loans granted in 2012 and 418,000 during the first nine months of 2013.

» Loans in pesos, no guarantee, fixed interest rate.

» 95 branches (59 Branches and 36 Offices).

In millions of Ps. 2012 2013

Assets 3,167 3,699

Loans 2,448 3,248

Net Worth 994 1,037

Net Income 216 143

ROE 23.1% 14.2%

Lines of Business

December 2013 (In millions of Ps. except percentages). It does not include accrued interest.

Cash loans.

Granted in branches.

2,245 69%

Payroll loans.

Government employees, pensioners, military and members of mutuals.

456 14%

Loans for the acquisition of goods.

Granted through retail merchants associated with CFA.

379 12%

Microfinance.

Entrepreneurs and Self-employeed.

2 -

Issuer of Visa and MasterCard credit cards.

Cross-selling to current clients and to open market clients.

166 5%

Total 3,248 100%

Insurance (casualty, life, burial, purchase).

Issuer of debit cards associated with saving accounts and time deposits, for retired people and pensioners.

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