The earnings call reflects a mixed performance for BBVA Argentina in the third quarter of 2025. While the bank showed strong growth in loans and deposits, and operational efficiency gains, it faced challenges such as a significant decrease in net income, increased loan loss allowances, and a decline in net interest income and capital ratio. The overall financial environment remains volatile, with high interest rates impacting margins and asset quality.
Company Guidance
During the third quarter of 2025, BBVA Argentina maintained its growth strategy despite a volatile environment marked by political uncertainty and significant financial fluctuations. The bank's total loans to the private sector grew by 6.7%, achieving a consolidated market share of 11.39%. Deposits increased by 10.2% in real terms, pushing the market share to 10.09%. The non-performing loan (NPL) ratio on private loans was 3.28%, below the system average, highlighting BBVA's effective credit risk management. The capital ratio stood at 16.7%, reflecting a 170 basis point decrease from the previous quarter due to temporary sovereign debt valuation impacts. The bank's liquidity ratio was comfortable at 44.3%. Despite a challenging quarter, the bank's inflation-adjusted net income was ARS 38.1 billion, with a quarterly ROE of 4.7% and a quarterly ROA of 0.7%. The bank reiterated its guidance for 2025, maintaining expectations for real loan growth of 45% to 50% year-over-year, deposit growth of 30% to 35% in real terms, and a capital ratio near 17% by year-end.
Private Sector Loan Growth
BBVA Argentina's total loans to the private sector grew by 6.7% in real terms quarter-over-quarter, with a consolidated market share of 11.39%.
Deposit Growth
The bank achieved a real-term increase of 10.2% in deposits, with a market share rising 44 basis points to reach 10.09%.
Net Fee Income Increase
Net fee income increased by 37.5% quarter-over-quarter, thanks to continued alignment in pricing strategies.
Operational Efficiency Gains
Total operating expenses decreased by 3.4% quarter-over-quarter, with improvements in administrative expenses.
Banco BBVA Argentina (BBAR) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BBAR Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Nov 25, 2025
$14.38
$15.92
+10.71%
Aug 20, 2025
$14.80
$14.01
-5.34%
May 21, 2025
$21.60
$21.06
-2.50%
Mar 05, 2025
$18.82
$18.34
-2.55%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Banco BBVA Argentina (BBAR) report earnings?
Banco BBVA Argentina (BBAR) is schdueled to report earning on Mar 10, 2026, TBA (Confirmed).
What is Banco BBVA Argentina (BBAR) earnings time?
Banco BBVA Argentina (BBAR) earnings time is at Mar 10, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
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