Banco BBVA Argentina (BBAR) Company Report

Banco BBVA Argentina S.A. has completed the acquisition of 50% of the share capital of FCA Compañía Financiera S.A..
The final price for this acquisition amounted to ARS 34,789 million, determined based on financial information as of October 30, 2025.
The disclosed price is subject to a subsequent adjustment based on audited financial statements as of November 30, 2025.

5 days ago

6-K

BBVA Argentina Reports Q3 2025 Financial Results with Decreased Net Income and Updated Guidance

BBAR

Earnings

Guidance Update

BBVA Argentina reported a Q3 2025 inflation-adjusted net income of ARS 38.1 billion, representing a 39.7% decrease quarter-over-quarter, with quarterly ROE and ROA both at 4.7%.
The bank achieved 6.7% real-term growth in total private sector loans, reaching ARS 12.8 trillion, and 11.2% growth in total deposits, totaling ARS 15.4 trillion in Q3 2025.
The non-performing loan (NPL) ratio on private loans was 3.28% as of September 2025, remaining below the system average, despite an increase in retail NPLs.
The capital ratio stood at 16.7% in Q3 2025, with management expecting to finish 2025 near 17% and projecting a 2026 ROE in the mid to low teens.
The bank updated its 2025 guidance, reiterating 45%-50% real loan growth and increasing deposit growth expectations to 30%-35%, while adjusting ROE expectations to high single digits.

Nov 26, 2025, 3:00 PM

Transcript

BBAR Reports Q3 2025 Earnings with Decreased Net Income Amidst Strong Loan and Deposit Growth

BBAR

Earnings

Guidance Update

Demand Weakening

BBVA Argentina reported inflation-adjusted net income of ARS 38.1 billion in Q3 2025, representing a 39.7% decrease quarter over quarter, with a quarterly ROE of 4.7% and ROA of 4.7%.
The bank achieved 6.7% real-term growth in private sector loans, totaling ARS 12.8 trillion, and an 11.2% increase in total deposits, reaching ARS 15.4 trillion in Q3 2025. This resulted in consolidated market shares of 11.39% for private sector loans and 10.09% for private deposits.
The non-performing loan (NPL) ratio on private loans was 3.28% as of September 2025, remaining below the system average, although retail NPLs deteriorated. Loan loss allowances increased 37.1%, with the cost of risk reaching 6.63%.
Management updated its 2025 guidance, expecting real loan growth of 45%-50% and deposit growth of 30%-35% in real terms, with an anticipated year-end ROE in high single digits and a capital ratio projected to be near 17%. The capital ratio in Q3 2025 stood at 16.7%, primarily due to the temporary impact of sovereign debt valuation.

Nov 26, 2025, 3:00 PM

Transcript

BBVA Argentina Reports Q3 2025 Results with Decreased Net Income, Strong Loan Growth, and Updated Guidance

BBAR

Earnings

Guidance Update

BBVA Argentina reported inflation-adjusted net income of ARS 38.1 billion in Q3 2025, representing a 39.7% quarter-over-quarter decrease, leading to a quarterly ROE of 4.7% and ROA of 4.7%. This decline was primarily attributed to increased loan loss allowances, lower net interest income, and a drop in the fair value of financial instruments, partially offset by improved net fee income and operating expenses.
The bank demonstrated strong growth in its core business, with private sector loans increasing 6.7% in real terms quarter-over-quarter, achieving a consolidated market share of 11.39%. Total deposits grew 11.2% quarter-over-quarter to ARS 15.4 trillion, pushing the consolidated market share for private deposits to 10.09%.
Asset quality showed the non-performing loan (NPL) ratio on private loans at 3.28% as of September 2025, which remains below the system average, although retail NPLs experienced deterioration. The cost of risk for Q3 2025 was 6.63%. Management anticipates NPLs to be slightly higher in Q4 2025 before improving in 2026.
The capital ratio stood at 16.7% at the end of Q3 2025, a 170 basis point decrease quarter-over-quarter mainly due to the temporary impact of sovereign debt valuation, but is expected to finish the year near 17%. The liquidity ratio was 44.3%.
BBVA Argentina updated its full-year 2025 guidance, reiterating 45%-50% real loan growth and now expecting 30%-35% real deposit growth, high single-digit ROE, and a capital ratio near 17%. For 2026, the bank projects a mid to low teens ROE.

Nov 26, 2025, 3:00 PM

Transcript

Banco BBVA Argentina Reports Q3 2025 Financial Results

BBAR

Earnings

Banco BBVA Argentina reported a decline in inflation-adjusted net income for Q3 2025 and the nine-month accumulated period compared to the prior year, with ROAE and ROAA also decreasing.
Despite income declines, the bank achieved growth in total consolidated financing to the private sector and deposits in real terms, both quarter-over-quarter and year-over-year.
The bank's market share of private sector loans slightly decreased quarter-over-quarter but increased year-over-year, while the market share of private deposits rose.
Operational efficiency was maintained through careful fee management and expense control amidst a volatile economic and political environment.

Nov 25, 2025, 11:44 PM

Morningstar

BBVA Argentina Reports Q3 2025 Earnings

BBAR

Earnings

Debt Issuance

New Projects/Investments

Banco BBVA Argentina S.A. reported inflation-adjusted net income of $38.1 billion for Q3 2025, a 39.7% decrease from Q2 2025 and 70.9% lower than Q3 2024. The nine-month accumulated net income for 2025 was $192.9 billion, 46.0% below the same period in 2024.
The bank's asset quality deteriorated, with the non-performing loan (NPL) ratio rising to 3.28% in Q3 2025 from 2.28% in Q2 2025, while the coverage ratio decreased to 99.98% from 115.15%.
Total consolidated financing to the private sector increased by 6.7% in real terms quarter-over-quarter to $12.8 trillion, and total consolidated deposits grew by 11.2% in real terms quarter-over-quarter to $15.4 trillion in Q3 2025.
The regulatory capital ratio decreased to 16.7% in Q3 2025 from 18.4% in Q2 2025, primarily due to an increase in risk-weighted assets and a fall in the valuation of public securities.
In October and November 2025, the bank made a $187.6 billion capital contribution to Openpay Argentina S.A. and issued $67.4 billion in corporate bonds.

Nov 25, 2025, 9:47 PM

6-K

Banco BBVA Argentina S.A. reports Q3 2025 financial results

BBAR

Earnings

Banco BBVA Argentina S.A. filed its financial statements for the period ended September 30, 2025, which were approved by its Board of Directors on November 25, 2025.
For the period ended September 30, 2025, the company reported Net Income for the Period attributable to Controlling Company's Shareholders of 181,855,859 thousand Ps..
Total Shareholders' Equity attributable to Controlling Company's Shareholders was 2,920,297,590 thousand Ps. as of September 30, 2025.

Nov 25, 2025, 9:43 PM

6-K

BBVA Argentina Bank Announces Dividend Payment Installment

BBAR

Dividends

Banco BBVA Argentina S.A. announced the payment of Installment 6 of 10 of its dividends, totaling AR$ 3,732,773,688, which amounts to AR$ 18.2153804558 per share.
This installment is part of a larger dividend amount of AR$ 89,413,163,000 (homogeneous currency as of December 31, 2024), approved by the Shareholders’ Meeting on April 23, 2025, and authorized by the BCRA on May 12, 2025.
The Cut-Off Date for shareholders to be registered is November 25, 2025, with the Pay-Out Date scheduled for November 28, 2025.
Dividends are subject to a 7% withholding tax as established in article 97 of the Income Tax Law.

Nov 13, 2025, 9:05 PM

6-K

BBVA Argentina Bank S.A. Announces Fifth Dividend Installment Payment

BBAR

Dividends

Banco BBVA Argentina S.A. will pay the fifth installment of its dividend, totaling AR$ 3,647,356,252, which is AR$ 17.7985560712 per share, to shareholders registered as of the October 28, 2025 cut-off date.
The payment will be made on October 31, 2025, for 33.4455536188% of the share capital that did not opt for payment in BOPREAL.
This installment is part of a larger dividend of AR$ 89,413,163,000 (homogeneous currency as of December 31, 2024), authorized by the Shareholders' Meeting on April 23, 2025, and approved by the Board on May 21, 2025.
Dividends are subject to a 7% withholding tax under article 97 of the Income Tax Law.

Oct 16, 2025, 8:08 PM

6-K

Banco BBVA Argentina S.A. Reports Q2 2025 Financial Performance and Balance Sheet Growth

BBAR

Earnings

Accounting Changes

For the six-month period ended June 30, 2025, net income for the period was 146,131,205 thousand Argentine pesos, representing a 31.66% decrease compared to 213,841,872 thousand Argentine pesos for the same period in 2024.
Operating income for the six months ended June 30, 2025, significantly declined to 494,467,378 thousand Argentine pesos from 1,666,137,797 thousand Argentine pesos in the prior year period.
Total cash flows generated by operating activities for the six months ended June 30, 2025, were 38,128,457 thousand Argentine pesos, a substantial decrease from 1,262,961,557 thousand Argentine pesos for the same period in 2024.
As of June 30, 2025, total assets amounted to 19,264,453,541 thousand Argentine pesos, with total loans increasing by 109.71% and total deposits increasing by 60.80% compared to June 30, 2024.
The company's solvency ratio (Shareholders’ Equity/Liabilities) decreased to 17.97% as of June 30, 2025, from 28.37% as of June 30, 2024, and the indebtedness ratio (Total liabilities/Shareholders' Equity) increased to 5.56 from 3.53 over the same period.