Banco BBVA Argentina SA

BBAR

Equity

ISIN null / Valor 50969032

New York Stock Exchange, Inc (2025-11-21)

USD 13.95-5.36%

Banco BBVA Argentina SA
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About company

Banco BBVA Argentina S.A., a subsidiary of Banco Bilbao Vizcaya Argentaria S.A. since 1996, is a prominent private financial institution in Argentina, with a history dating back to 1886. The bank provides a comprehensive range of financial services, focusing on both retail and corporate banking. Its Corporate and Investment Banking (CIB) division caters to some of the largest Argentine corporations and multinational companies operating in the country. This division is organized by industry sectors such as consumers, heavy industries, and energy, offering tailored services to large enterprises. BBVA Argentina's CIB services include global transaction services, risk management, securities brokerage, long-term financing options like project finance and syndicated loans, as well as corporate finance services such as mergers and acquisitions and capital markets advisory. As of December 31, 2023, the bank served over 800 corporate clients, encompassing nearly all major corporates and multinationals in Argentina. The bank leverages its industry-focused relationship executives and the BBVA Group’s global network to deliver customized financial solutions, particularly in sectors like telecommunications, energy, and infrastructure, where investment has been historically low. As of the same date, BBVA Argentina reported total loans and advances of Ps.137.8 billion and total deposits of Ps.988.6 billion within its CIB business line.

Summarized from source with an LLMView SourceSector: Finance

Net income & profitability

2Q25 net income: AR$59.6 billion (–31.1% QoQ; –62.1% YoY). 1H25 net income: AR$146.1 billion (–31.7% YoY). Quarterly annualized ROAA was 1.2% (vs. 2.0% in 1Q25) and ROAE was 7.6% (vs. 11.4% in 1Q25); 1H25 accumulated ROA 1.5% and ROE 9.6%.

Margins

Total NIM in 2Q25 was 19.1% (roughly stable vs. 19.2% in 1Q25). Local‑currency NIM remained ~21.7% while USD NIM improved to 5.4% (from 3.9% in 1Q25).

Loan growth & market share

Total consolidated financing to the private sector: AR$11.3 trillion in 2Q25, up 15.7% real QoQ and 109.6% YoY. Private loan market share reached 11.61% (+35 bps QoQ; +107 bps YoY).

Deposits & liquidity

Total consolidated deposits: AR$13.0 trillion in 2Q25, +12.0% real QoQ and +60.8% YoY. Private deposit market share was 9.64% (+49 bps QoQ; +214 bps YoY). Total liquid assets represented 48.7% of total deposits.

Credit quality & provisioning

Non‑performing loan ratio (NPL) of 2.28% with coverage of 115.5%. Loan loss allowances rose substantially (reflecting loan book growth): provisional figures cited in the release show large QoQ and YoY increases (e.g., provisioning lines highlighted in the report).

Costs & efficiency

Quarterly efficiency ratio was 56.5% in 2Q25, broadly stable versus 1Q25 (56.3%). Operating expenses were described as stable, with some improvement in personnel and administrative expenses on a 1H basis.

Capital position

Regulatory capital ratio (Tier 1) was 18.4% as of 2Q25, providing a significant buffer (about 123.9% excess) over minimum regulatory requirements.

Macroeconomic context & management view

The report highlights a disinflationary trend (YoY inflation ~39.4% as of June 30, 2025; QoQ 6.0%) and easing FX controls tied to a wide‑band floating scheme under a new IMF agreement. Management notes the macro normalization supports loan growth but has driven mixed effects on income and monetary position results.

Summarized from source with an LLMView Source

Key figures

-14.9%1Y

417%3Y

351%5Y

Performance

74.5%1Y

66.7%3Y

61.7%5Y

Volatility