Banco BBVA Argentina S.A. Earnings Recaps
Q3 2025
Nov 27, 2025
BBVA Argentina delivered a solid performance in Q3 2025 amid a challenging economic landscape, with total loans to the private sector growing by 6.7% despite high political uncertainty and rising interest rates.
Key takeaways
- Inflation-adjusted net income declined 39.7% QoQ to ARS 38.1 billion, reflecting increased operating pressures.
- Total loans to the private sector rose 6.7%, with a market share increase to 11.39%, supported by foreign currency loan growth.
- Deposits also saw a real-term boost of 10.2%, growing market share to double digits for the first time at 10.09%.
- Non-performing loan (NPL) ratio improved to 3.28%, remaining below the sector average, highlighting effective credit risk management.
- Operating expenses decreased by 3.4%, underpinned by proactive efficiency measures, paving the way for anticipated improvements in 2026.
Q2 2025
Aug 21, 2025
BBVA Argentina reported a disinflationary environment with robust credit growth, despite a significant decrease in quarterly net income driven by lower operating results amidst higher provisions.
Key takeaways
- Argentina's inflation-adjusted net income for Q2 2025 was ARS 59.6 billion, down 31.1% quarter-over-quarter, reflecting an ROE of 7.6%.
- Private loans increased by 15.7% and market share rose to 11.61%, outperforming the competitive landscape.
- Total deposits grew by 32% year-to-date, significantly exceeding the system average of 17%.
- Net interest income rose 3.1% to ARS 591.8 billion, driven by improved loan income despite higher interest expenses.
- Loan loss allowances surged by 42.3%, reflecting growth in the loan book and increased provisioning needs due to rising nonperforming loans.