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    Mario Estracea • Itaú BBA

    Mario Estracea's questions to Banco Bbva Argentina SA (BBAR) leadership

    Mario Estracea's questions to Banco Bbva Argentina SA (BBAR) leadership • Q2 2025

    Question

    Mario Estracea from Itaú BBA inquired about the drivers of high real interest rates, their impact on loan demand, and followed up on the recent decline in fee income and its future outlook.

    Answer

    Head of IR Diego Cesarini attributed high rates to the government's anti-inflation strategy, viewing the situation as transitory and noting it affects commercial loan demand, though the bank remains on track for its 50% growth target. CFO Carmen Arroyo clarified that the quarterly fee income drop was due to a non-recurrent item in Q1, while year-over-year growth remains strong at 20%, and improving fee income is a key strategic focus.

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    Mario Estracea's questions to Banco Bbva Argentina SA (BBAR) leadership • Q2 2025

    Question

    Mario Estracea of Itaú BBA asked about the drivers behind the high real interest rates in treasury auctions and their resulting impact on loan demand. He also followed up on the quarterly decline in fee income and its future outlook.

    Answer

    Head of IR Diego Cesarini explained that high rates are a transitory government policy to fight inflation and stabilize the currency, which is affecting commercial loan demand. CFO Carmen Arroyo clarified that the quarterly drop in fee income was due to non-recurrent items in Q1, while year-over-year growth is strong at 20%, and fees remain a key strategic lever for performance improvement.

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