Banco Bbva Argentina Sa · BCBA:BBARB
Banco Bbva Argentina Sa — Q3 2025 Earnings Presentation
10 slides from Banco Bbva Argentina Sa's earnings presentation, Nov 26, 2025
Slide 1: 3Q25 Earnings Conference Call
BBVA Argentina November 2025 3Q25 Earnings Conference Call
Slide 2: 3Q25 Profitability Indicators
BBVA Argentina Corporate Presentation p. 1 3Q25 Profitability Indicators Net Income (AR$ billion, INFLATION ADJUSTED) -46% -40% ROA ROE
Slide 3: 3Q25 Main Highlights – Ar$ Real Terms
BBVA Argentina Corporate Presentation p. 2 3Q25 Main Highlights – Ar$ Real Terms 3Q25 Net Income 1 NET INTEREST INCOME FINANCIAL MARGIN Lower NII due to higher interest rates, -6.6% QoQ -25.3% QoQ offset by an excellent fee income behavior 585.5 bn -3.5% YoY 79.8 bn -33.6% YoY 2 LOAN LOSS ALLOWANCES
Slide 4: Financial Indicators
BBVA Argentina Corporate Presentation p. 3 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 Quarterly efficiency Ratio (%, INFLATION AD
Slide 5: Loan Portfolio & Asset Quality
BBVA Argentina Corporate Presentation p. 4 Loan Portfolio & Asset Quality Private Loans (AR$ BILLION, INFLATION ADJUSTED) NPL & Coverage (%, CONSOLIDATED, INFLATION ADJUSTED) Real growth in a context of deceleration +77% +7% Financial System NPL 3.99%* Seo-25 PRIVATE LOANS MARKET SHARE* 10.58% 11.59
Slide 6: Loans-to-Deposits Ratio & NIMs
BBVA Argentina Corporate Presentation p. 5 Loans-to-Deposits Ratio & NIMs Loans-to-Deposits Ratio Adjusted NIM* (%, INFLATION ADJUSTED) (AR$ billion, INFLATION ADJUSTED) System Source: “Informe sobre bancos”, BCRA, as of August 2025, last available information. **Adjusted NIM: (Quarterly Net Interes
Slide 7: Deposits & Capital Requirement
BBVA Argentina Corporate Presentation p. 6 Deposits & Capital Requirement Private Deposits Capital ratio decline in line with impact of public (AR$ BILLION, INFLATION ADJUSTED) bond portfolio valuation on OCI Market share reaching two digits for the first time +37% +10% 11,5% 8% * RPC includes 100%
Slide 8: Transformation Driving Digital Sales & Client Acquisition
BBVA Argentina Corporate Presentation p. 7 Transformation Driving Digital Sales & Client Acquisition Retail Digital Sales Digital & Mobile Active Clients New Retail Customer Acquisition (% OF TOTAL SALES YTD) MILLIONS, % GROWTH THOUSANDS, % ACQUISITION THROUGH DIGITAL CHANNELS OVER TRADITIONAL CHANN
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