Banco Bbva Argentina Sa · BCBA:BBARB
Banco Bbva Argentina Sa — Q2 2025 Earnings Presentation
9 slides from Banco Bbva Argentina Sa's earnings presentation, Aug 21, 2025
Slide 1: 2Q25 Earnings Conference Call
BBVA Argentina August 2025 2Q25 Earnings Conference Call
Slide 2: 2Q25 Profitability Indicators
BBVA Argentina Corporate Presentation p. 1 2Q25 Profitability Indicators Net Income (AR$ billion, INFLATION ADJUSTED) Operating Income (AR$ billion, INFLATION ADJUSTED) -31% -32% -34% -70% ROA (%, QUARTERLY ANNUALIZED) (%, ACCUMULATED ANNUALIZED) ROE (%, QUARTERLY ANNUALIZED) (%, ACCUMULATED ANNUALI
Slide 3: 2Q25 Main Highlights – Ar$ Real Terms
BBVA Argentina Corporate Presentation p. 2 2Q25 Main Highlights – Ar$ Real Terms 2Q25 Net Income 1 NET INTEREST INCOME FINANCIAL MARGIN Improvement in net interest income +3.1% QoQ -20.9% QoQ thanks to greater commercial efforts 591.8 bn -37.4% YoY 100.9 bn +11.4% YoY 2 LOAN LOSS ALLOWANCES Loan los
Slide 4: Loan Portfolio & Asset Quality
BBVA Argentina Corporate Presentation p. 3 Loan Portfolio & Asset Quality Private Loans (AR$ BILLION, INFLATION ADJUSTED) NPL & Coverage (%, CONSOLIDATED, INFLATION ADJUSTED) Real growth with higher commercial activity +110% +16% Financial System NPL 2.55%* May-25 PRIVATE LOANS MARKET SHARE* 10,54%
Slide 5: Loans-to-Deposits Ratio & NIMs
BBVA Argentina Corporate Presentation p. 4 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 May 2025, last available information. **Adjusted NIM: (Quarterly Net Interest I
Slide 6: Deposits & Capital Requirement
BBVA Argentina Corporate Presentation p. 5 Deposits & Capital Requirement Private Deposits Capital ratio decline in line with credit portfolio (AR$ BILLION, INFLATION ADJUSTED) growth and dividend distribution Higher market share in the year +64% +12% 11,5% 8% * RPC includes 100% of quarterly result
Slide 7: Transformation Driving Digital Sales & Client Acquisition
BBVA Argentina Corporate Presentation p. 6 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 8: Safe Harbor Statement
BBVA Argentina Corporate Presentation p. 7 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 9: Investor Relations Contact
Investor Relations Contact investorelations-arg@bbva.com www.ir.bbva.com.ar