Banco Bbva Argentina Sa · BCBA:BBARB
Banco Bbva Argentina Sa — Q4 2025 Earnings Presentation
10 slides from Banco Bbva Argentina Sa's earnings presentation, Mar 5, 2026
Slide 1: 4Q25 & 2025 Earnings Conference Call
BBVA Argentina March 2026 4Q25 & 2025 Earnings Conference Call
Slide 2: 4Q25 & 2025 Profitability Indicators
BBVA Argentina Corporate Presentation p. 1 4Q25 & 2025 Profitability Indicators Net Income (AR$ billion, INFLATION ADJUSTED) -43% +45% ROA ROE
Slide 3: 2025 Main Highlights – AR$ Real Terms
BBVA Argentina Corporate Presentation p. 2 2025 Main Highlights – AR$ Real Terms 2025 Net Income 1 NET INTEREST INCOME NET FEE INCOME Lower NII due to decline in interest rates and inflation, more than offset by lower loss from net monetary position 2.72 tn -29.4% YoY 509.0 bn +36.9% YoY 2 LOAN LOSS
Slide 4: 4Q25 Main Highlights – AR$ Real Terms
BBVA Argentina Corporate Presentation p. 3 4Q25 Main Highlights – AR$ Real Terms 4Q25 Net Income 1 NET INTEREST INCOME NET FEE INCOME Better NII after stabilization of interest +20.2% QoQ -10.2% QoQ rates post mid-term elections and improvement in income from public 758.9 bn +19.6% YoY 132.7 bn +62.
Slide 5: Financial Indicators
BBVA Argentina Corporate Presentation p. 4 Financial Indicators Net Interest Income (net of monetary position result) & Adjusted NIM** Fees-to-Expenses Ratio (Net Fee Income / Expenses) (AR$ billion, INFLATION ADJUSTED) (%, INFLATION ADJUSTED) Cost of Risk Efficiency Ratio (%, INFLATION ADJUSTED) (%
Slide 6: Loans-to-Deposits Ratio & NIMs
BBVA Argentina Corporate Presentation p. 5 Loans-to-Deposits Ratio & NIMs Loans-to-Deposits Ratio Adjusted Quarterly NIM* (%, INFLATION ADJUSTED) (AR$ billion, INFLATION ADJUSTED) **Adjusted NIM: (Quarterly Net Interest Income - Net Monetary Position Results) / Average quarterly interest earning Sys
Slide 7: Loan Portfolio & Asset Quality
BBVA Argentina Corporate Presentation p. 6 Loan Portfolio & Asset Quality Private Loans (AR$ BILLION, INFLATION ADJUSTED) NPL & Coverage (%, CONSOLIDATED, INFLATION ADJUSTED) Real growth in a context of deceleration +47.6% +7.6% Financial System NPL 5.29%* Dec-25 PRIVATE LOANS MARKET SHARE* 11,27% 1
Slide 8: Deposits & Capital Requirement
BBVA Argentina Corporate Presentation p. 7 Deposits & Capital Requirement Private Deposits Capital ratio decline in line with increase in (AR$ BILLION, INFLATION ADJUSTED) financial intermediation, at comfortable levels Market share stabilizing above two digits +29.7% +3.1% 11,5% 8% * RPC includes 1
Slide 9: Safe Harbor Statement
BBVA Argentina Corporate Presentation p. 8 Safe Harbor Statement This press release contains certain forward-looking statements that reflect the current views and/or expectations of Banco BBVA Argentina and its management with respect to its performance, business and future events. We use words such
Slide 10: Investor Relations Contact
Investor Relations Contact investorelations-arg@bbva.com www.ir.bbva.com.ar