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Grupo Financiero Galicia (GGAL) investor relations material
Grupo Financiero Galicia Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary27 Aug, 2025
Executive summary
Completed merger with Galicia Mas (former HSBC Argentina), integrating banking, asset management, and insurance units, resulting in a 2.5% market share gain in loans and deposits.
Net income for the quarter was ARS 173 billion (Ps.172,637 million), down 70% year-over-year, with ROAA at 1.9% and ROAE at 9.5%.
Profit decline driven by higher cost of risk, increased NPLs in retail, and lower operating income.
Maintained healthy liquidity, solvency, and profitability metrics despite a volatile macro environment.
Corporate reorganization unified banking and asset management businesses, with new CFO/CEO appointed for Banco Galicia effective September 1.
Financial highlights
Net income fell 70% year-over-year; Banco Galicia's net income dropped 76% due to a 67% lower operating result.
Net interest income decreased 36% year-over-year; net fee income rose 30% year-over-year, driven by credit card and deposit fees.
Loan loss provisions surged 192% year-over-year, reflecting higher delinquency in personal loans and credit cards.
Deposits grew 72% year-over-year to AR$19,942bn, with strong increases in dollar savings and peso time deposits.
Loan portfolio net of provisions grew 124% year-over-year to AR$14,412bn.
Outlook and guidance
ROE guidance for 2025 set at 9–11%, excluding potential one-time restructuring costs.
Loan growth expected at 30–40%, down from previous 50% guidance; deposit growth seen at 30–35%.
Margin compression anticipated in Q3 due to higher funding costs and rate volatility, with stabilization expected post-elections.
NPLs expected to stabilize by end of Q3, with total NPL ratio projected near 5% by year-end.
The group continues to focus on digital transformation, customer experience, and sustainable growth.
How does Galicia Más affect the capital ratio?
How does daily minimum cash calculation affect operations?
What incentive is offered for SME green projects?
Quantify Q3 margin compression from rate volatility?
What is the NPL coverage ratio target for year-end?
Expected ROE impact from restructuring costs?
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Next Grupo Financiero Galicia earnings date
Q3 20254 Nov, 2025
Next Grupo Financiero Galicia earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
Grupo Financiero Galicia S.A. is a financial services holding company in Argentina. The company operates through its subsidiaries to provide a wide range of financial products and services. These include commercial banking, investment banking, insurance, and asset management. Grupo Financiero Galicia primarily serves individual consumers, small and medium-sized enterprises, and large corporations. The company’s key offerings encompass personal and corporate loans, savings and checking accounts, credit cards, and financial advisory services. The company is headquartered in Buenos Aires, Argentina, and its shares are listed on the NASDAQ.
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