BBVA Argentina Announces Second Quarter 2026 Financial Results

Key Terms

ias 29 technical

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when they operate in economies with very high inflation, so numbers reflect current purchasing power rather than outdated prices.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.

roe financial

Return on equity (ROE) measures how much profit a company generates from the money shareholders have invested, like checking how effectively a chef turns ingredients into meals. Investors use it to compare how well companies turn investor funds into earnings—higher ROE usually means management is using capital more efficiently, while a low ROE can signal weaker profitability or poor use of equity.

View in glossary

roa financial

Return on assets (ROA) measures how efficiently a company turns what it owns—like factories, equipment, and cash—into profit, expressed as a percentage of its total assets. Investors use ROA to compare how well different companies squeeze earnings from their resources; higher ROA is like a car that gets more miles from a gallon of gas, signaling better efficiency and potentially stronger returns on investment.

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npl ratio financial

The NPL ratio measures the share of a lender’s loans that are not being repaid on schedule — loans that are overdue or in default — expressed as a percentage of total loans. Investors use it like counting rotten apples in a fruit basket: a higher percentage signals greater credit stress and potential losses, which can hurt a bank’s profits, capital strength and future lending ability.

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BUENOS AIRES--(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 second quarter (2Q26), ended on June 30, 2026.

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 2025 and 2026 have been updated according to IAS 29 reporting to reflect the accumulated effect of inflation adjustment for each period up to June 30, 2026.

2Q26 & 1H26 Highlights

• BBVA Argentina’s inflation-adjusted net income in 2Q26 amounted to $131.6 billion, 44.6% higher than in the first quarter of 2026 (1Q26) and 65.2% higher than in the second quarter of 2025 (2Q25). Cumulative net income for the first six months of 2026 totaled $222.6 billion, 14.0% higher than in the first six months of 2025.
• In 2Q26, BBVA Argentina achieved a real return on average equity (ROE) of 12.2%, compared to 8.3% in the previous quarter, and a real return on average assets (ROA) of 1.8%, compared to 1.2% in the previous quarter. Cumulative six-month ROE stood at 10.3%, compared to 9.6% in 2Q25, while cumulative ROA stood at 1.5%, in line with 2Q25
• NIM in 2Q26 stood at 18.2% in total currency, broadly stable compared to 18.6% in 1Q26. NIM net of the inflation effect stood at 14.7%, up from 14.0% in the previous quarter. Peso-denominated NIM stood at 21.8%, while USD-denominated NIM was 4.4%.
• In terms of activity, total consolidated private-sector financing amounted to $17.1 trillion as of 2Q26, increasing by 2.1% quarter-over-quarter (QoQ) and 13.1% year-over-year (YoY), both in real terms. BBVA’s consolidated market share reached 12.00% in 2Q26, remaining stable QoQ and increasing by 15 bps YoY.
• Total consolidated private sector deposits amounted to $18.5 trillion as of 2Q26, increasing by 4.3% QoQ and 7.7% YoY in real terms. BBVA’s consolidated private-sector deposit market share reached 9.91% in 2Q26, remaining stable QoQ and improving by 26 bps YoY.
• The NPL ratio stood at 6.09% in 2Q26, with a coverage ratio of 79.91%, compared to 5.60% and 88.41%, respectively, in 1Q26.
• The quarterly efficiency ratio stood at 45.0% in 2Q26. The cumulative efficiency ratio for the first six months of 2026 stood at 48.1%. Both were below the levels recorded in 1Q26 (51.4%) and in the first six months of the previous year (56.4%), respectively.
• As of 2Q26, BBVA Argentina’s regulatory capital ratio stood at 18.8% (Tier 1: 18.8%), representing excess capital of 128.3% over the minimum regulatory requirement.
• Total liquid assets represented 47.3% of the Bank’s deposits as of 2Q26, above the 45.5% recorded in 1Q26 and below the 48.7% recorded in 2Q25.

2Q26 Results Conference Call
Friday, August 28, 2026
Time: 12:00 p.m. Buenos Aires time – (11:00 a.m. EDT)
To participate click here 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/20260827373524/en/

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

Source: BBVA Argentina S.A.