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Banco BBVA Argentina
Banco BBVA Argentina (BBAR) investor relations material
Banco BBVA Argentina Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary26 Nov, 2025
Executive summary
Net income for 3Q25 was ARS 38.1 billion, down 39.7% quarter-over-quarter and 70.9% year-over-year; 9M25 net income was ARS 192.9 billion, 46% lower year-over-year, with ROE at 4.7% for 3Q25 and 8.0% for 9M25.
Sustained growth strategy and operational efficiency were maintained despite high political and financial volatility, with a focus on digital transformation—94.3% of retail sales were digital and digital client acquisition reached 84%.
Total assets reached ARS 22.17 trillion as of September 30, 2025, up 34% year-over-year, with liabilities at ARS 19.18 trillion and shareholders' equity at ARS 2.92 trillion.
The loan portfolio net of allowances grew 75.5% year-over-year to ARS 12.56 trillion, with private sector financing market share at 11.39%.
Customer deposits totaled ARS 15.36 trillion, up 36.6% year-over-year, with a market share of 10.09% in private sector deposits.
Financial highlights
Net interest income for 3Q25 was ARS 585.5 billion, down 6.6% quarter-over-quarter and 3.5% year-over-year; net interest income for 9M25 was ARS 1.82 trillion, down 39% year-over-year.
Net fee income rose 37.5% quarter-over-quarter and 46.3% year-over-year to ARS 137.1 billion, driven by credit card fees and lower fee expenses.
Loan loss allowances surged 37.1% quarter-over-quarter and 286.3% year-over-year to ARS 210.0 billion, reflecting retail portfolio deterioration.
Operating expenses decreased 3.4% quarter-over-quarter to ARS 494.6 billion but rose 18.6% year-over-year.
Financial margin dropped 25.3% quarter-over-quarter and 33.6% year-over-year to ARS 79.8 billion.
Outlook and guidance
Real loan growth guidance reiterated at 45%-50% year-over-year; deposit growth expected at 30%-35%.
ROE expected in high single digits for 2025, with capital ratio near 17%; for 2026, ROE projected in low to mid-teens, with improving trends.
NIMs expected to recover in Q4 and remain stable in 2026; cost of risk and NPLs may peak by year-end before improving.
Management remains focused on operational efficiency, fee management, and strict expense control amid high interest rate volatility and political uncertainty.
The bank expects to sustain growth in activity, maintain asset quality below system average, and continue dividend payments.
How did floating-rate debt mitigate margin compression?
What drove the retail NPL increase in 3Q25?
How did reserve requirement changes affect capital?
When do retail NPLs normalize?
Impact of relaxed reserve requirements on NIMs
Capital level for sustained growth strategy
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Next Banco BBVA Argentina earnings date
Q4 20255 Mar, 2026
Banco BBVA Argentina
Next Banco BBVA Argentina earnings date
Q4 20255 Mar, 2026
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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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