BBVA Argentina announces Fourth Quarter and Fiscal Year 2025 Financial Results

Key Terms

ias 29 regulatory

IAS 29 is an accounting rule that tells companies how to adjust their financial statements when they operate in economies with very high inflation, so numbers reflect current purchasing power rather than outdated prices. For investors, it matters because it converts historic figures into meaningful, comparable values—like updating old price tags to today’s dollars—helping assess real profits, assets and liabilities and avoid being misled by inflation-distorted results.

nim financial

NIM (net interest margin) measures the gap between the interest a bank earns on loans and other interest‑producing assets and the interest it pays to depositors and creditors, shown as a percentage of the bank’s earning assets. Think of it like a store’s markup: a wider NIM means the bank keeps more money from its core lending activity, boosting profit potential. Investors watch NIM because shifts reveal how profitable a bank’s lending is, and how sensitive that profit is to interest‑rate changes and shifts in the mix of loans versus other assets.

non-performing loan ratio financial

The non-performing loan ratio is the share of a lender’s loans that are not being paid back as agreed—typically loans overdue long enough to be considered in default. It matters to investors because it signals the health of a bank’s loan book: a rising ratio is like more customers skipping payments, which can reduce profits, force higher loss reserves or capital needs, and increase the risk to the lender’s valuation.

regulatory capital ratio regulatory

A regulatory capital ratio measures how much financial cushion a bank or similar firm holds compared with the amount and riskiness of its assets, expressed as a percentage. Think of it as a safety margin or seatbelt that regulators require so the institution can absorb losses without failing; investors watch it because higher ratios mean lower failure risk, more lending and dividend flexibility, and fewer regulatory constraints.

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BUENOS AIRES, Argentina--(BUSINESS WIRE)-- Banco BBVA Argentina S.A (NYSE; BYMA; MAE: BBAR; LATIBEX: XBBAR) (“BBVA Argentina” or “BBVA” or “the Bank”) announced today its consolidated results for the fourth quarter (4Q25), ended on December 31, 2025.

As of January 1, 2020, the Bank started to inform its inflation adjusted results pursuant to IAS 29 reporting. To facilitate comparison, figures of comparable quarters of 2024 and 2025 have been updated according to IAS 29 reporting to reflect the accumulated effect of inflation adjustment for each period up to December 31, 2025.

4Q25 & 2025 Highlights

• BBVA Argentina's inflation-adjusted net income in 4Q25 was $59.3 billion, 44.5% higher than the one recorded in the third quarter of 2025 (3Q25), and 30.0% lower than the result reported in the fourth quarter of 2024 (4Q24). The twelve month accumulated net income for 2025 was $267.4 billion, 43.2% below the result reported for the same period of 2024.
• In 4Q25, BBVA Argentina posted an inflation adjusted average return on equity (ROAE) of 6.5% versus 4.7% the prior quarter, and an inflation adjusted average return on assets (ROAA) of 0.9% versus 0.7% the prior quarter. The twelve-month accumulated ROE was 7.3% versus 12.5% in 2024, while accumulated ROA for 2025 was 1.1% versus 2.5% in 2024.
• The 4Q25 total NIM was 17.5% versus 15.2% in 3Q25. NIM in local currency was 20.2% and NIM in USD was 4.8%.
• In terms of activity, total consolidated financing to the private sector in 4Q25 totaled $14.8 trillion, increasing 7.6% in real terms compared to 3Q25, and 47.6% compared to 4Q24. In the quarter, the variation was driven by an overall growth in almost all lines, especially commercial loans. BBVA’s consolidated market share of private sector loans reached 11.91% as of 4Q25 (ex-FCA), increasing 64 bps quarter-over-quarter (QoQ), and increasing 64 bps year-over-year (YoY).
• Total consolidated deposits in 4Q25 totaled $17.2 trillion, increasing 3.9% in real terms during the quarter, and 31.7% YoY. The Bank’s consolidated market share of private deposits reached 10.04% as of 4Q25, falling 4 bps QoQ and increasing 144 bps YoY, reaching the two-digit figure for the first time during 2025.
• As of 4Q25, the non-performing loan ratio (NPL) reached 4.18%, with a 96.37% coverage ratio.
• The quarterly efficiency ratio in 4Q25 was 45.9%, 1173 bps below 3Q25’s 57.6%. The accumulated efficiency ratio in 2025 was 53.9%, below the 62.2% reported in 2024.
• As of 4Q25, BBVA Argentina reached a regulatory capital ratio of 18.3% (Tier 1: 18.3%), entailing a 121.9% excess over minimum regulatory requirement.
• Total liquid assets represented 44.2% of the Bank’s total deposits as of 4Q25, remaining stable versus the 44.3% reported in 3Q25 and below the 54.1% reported in 4Q24.

4Q25 Results Conference Call

Thursday, March 5, 2025
Time: 12:00 p.m. Buenos Aires time – (10:00 a.m. EST)
To participate click to register

About BBVA Argentina

BBVA Argentina S.A. (NYSE; MAE; BYMA: BBAR; Latibex: XBBAR) is a subsidiary of the BBVA Group, its main shareholder since 1996. In Argentina, it has been one of the leading financial institutions since 1886. BBVA Argentina offers retail and corporate banking to a wide client base, including individuals, SMEs, and large corporations.

BBVA's strategy is to support its clients' ambition to go further. This is achieved through constant and empathetic support during key moments, recognizing the inner strength that drives people. The value proposition focuses on anticipation and innovation to be the ideal partner that helps clients reach their goals.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260304252630/en/

BBVA Argentina Investor Relations
investorelations-arg@bbva.com
ir.bbva.com.ar

Source: Banco BBVA Argentina S.A.