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Banco BBVA Argentina (BBAR) investor relations material
Banco BBVA Argentina Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Aug, 2025
Executive summary
Inflation-adjusted net income for 2Q25 was ARS 59.6 billion, down 31.1% quarter-over-quarter and 62.1% year-over-year; operating income reached ARS 197 billion, a 34% decrease year-over-year.
GDP growth for 2025 is projected at 5.5%, reversing the 1.7% contraction in 2024, with macroeconomic normalization and regulatory reforms supporting stabilization.
Lifting of major FX controls and a new IMF agreement in Q2 2025 boosted foreign currency trading and cross-border credit flows.
Digital client acquisition and sales reached record highs, with digital sales accounting for over 94% of total sales and digital clients up 7–11% year-over-year.
Market share in private sector loans and deposits increased, with both outpacing system growth and inflation.
Financial highlights
Net interest income for 2Q25 was ARS 591.8 billion, up 3.1% quarter-over-quarter but down 37.4% year-over-year.
Net fee income fell 11.1% quarter-over-quarter, mainly due to credit card fees and loyalty program adjustments, but rose 14.7% year-over-year.
Loan loss allowances surged 42.3% quarter-over-quarter and 149.5% year-over-year, reflecting real loan book growth and higher NPLs.
Operating expenses increased 7.5% quarter-over-quarter and 1.1% year-over-year; efficiency ratio stable at 56.5%.
ROE was 7.6% and ROA was 1.2% for 2Q25, both declining significantly year-over-year.
Outlook and guidance
Management maintains guidance for 50% real loan growth and 30–35% deposit growth for 2025.
ROE expected to remain in low double digits; capital ratio to end the year around 17%.
Strategy focuses on sustaining or increasing market share, with growth pace dependent on system-wide demand.
Forward-looking statements highlight risks from macroeconomic volatility, inflation, regulatory changes, and credit quality.
Loan growth mix may shift toward more corporate/SME lending as retail NPLs rise.
Explain 2Q25 NPL ratio increase drivers
Impact of FX control lifting on 2Q25 results
How do new UVA deposit rules affect funding?
Sustainability of loan market share growth?
Reconcile path to double-digit ROE by year-end
Drivers for high premiums in treasury auctions
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Next Banco BBVA Argentina earnings date
Q3 202526 Nov, 2025
Next Banco BBVA Argentina earnings date
Q3 202526 Nov, 2025
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Frequently asked questions
Banco BBVA Argentina S.A. is a financial institution offering a wide range of banking services to individuals, small and medium-sized enterprises, and large corporations. The company provides various financial products including savings and checking accounts, personal and business loans, credit cards, and investment options. Additionally, it offers services such as foreign exchange operations, insurance, and asset management. The company is headquartered in Buenos Aires, Argentina, and its shares are listed on the NYSE.
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