)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
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 AR$38.1 billion, down 39.7%-41% quarter-over-quarter, pressured by higher interest rates and increased loan loss allowances.
Sustained growth strategy focused on operational efficiency, strict expense control, and digital transformation, with 94.3% of retail sales conducted digitally and digital client acquisition at 84%.
Demonstrated resilience with credit growth, below-average delinquency, and strong liquidity and capital ratios.
Navigated doubled interest rates, regulatory changes, and increased reserve requirements, impacting margins and loan demand.
9M25 net income was AR$192.9 billion, 46.0% lower YoY.
Financial highlights
Net interest income for 3Q25 was AR$585.5 billion, down 6.6% quarter-over-quarter and 3.5% year-over-year.
Net fee income rose 37.5% quarter-over-quarter to AR$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 AR$210.0 billion, reflecting retail portfolio deterioration.
Operating expenses decreased 3.4% quarter-over-quarter to AR$494.6 billion, but rose 18.6% year-over-year; efficiency ratio for 3Q25 was 57.6%.
ROE for 3Q25 was 4.7% (vs. 7.6% in 2Q25), and ROA was 0.7% (vs. 1.2% in 2Q25).
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.
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Banco BBVA Argentina earnings date
Q4 20256 Mar, 2026
Next Banco BBVA Argentina earnings date
Q4 20256 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage