Banco BBVA Argentina S.A (NYSE; BYMA; MAE: BBAR; LATIBEX: XBBAR) (“BBVA Argentina” or “BBVA” or “the Bank”) announced today its consolidated results for the third quarter (3Q25), ended on September 30, 2025.

As of January 1, 2020, the Bank started to inform its inflation adjusted results pursuant to IAS 29 reporting. To facilitate comparison, figures of comparable quarters of 2024 and 2025 have been updated according to IAS 29 reporting to reflect the accumulated effect of inflation adjustment for each period up to September 30, 2025.

3Q25 & 9M25 Highlights

• BBVA Argentina's inflation-adjusted net income in 3Q25 was $38.1 billion, 39.7% lower than that recorded in the second quarter of 2025 (2Q25), and 70.9% lower than the result reported in the third quarter of 2024 (3Q24). The nine month accumulated net income for 2025 was $192.9 billion, 46.0% below the result reported for the same period of 2024.
• In 3Q25, BBVA Argentina posted an inflation adjusted average return on equity (ROAE) of 4.7% versus 7.6% the prior quarter, and an inflation adjusted average return on assets (ROAA) of 0.7% versus 1.2% the prior quarter. The nine-month accumulated ROE was 8.0% versus 13.9% in 2024, while accumulated ROA for 2025 was 1.2% versus 2.9% in 2024.
• The 3Q25 total NIM was 16.7% versus 19.1% in 2Q25. NIM in local currency was 18.7% and NIM in USD was 7.1%, the former falling from 2Q25’s 21.7% and the latter improving significantly from 5.4% in the prior quarter.
• In terms of activity, total consolidated financing to the private sector in 3Q25 totaled $12.8 trillion, increasing 6.7% in real terms compared to 2Q25, and 76.7% compared to 3Q24. In the quarter, the variation was driven by an overall growth in almost all lines, especially loans in foreign currency. BBVA’s consolidated market share of private sector loans reached 11.39% as of 3Q25, falling 20 bps quarter-over-quarter (QoQ), and increasing 81 bps year-over-year (YoY).
• Total consolidated deposits in 3Q25 totaled $15.4 trillion, increasing 11.2% in real terms during the quarter, and 36.6% YoY. The Bank’s consolidated market share of private deposits reached 10.09% as of 3Q25, increasing 44 bps QoQ and 156 bps YoY, reaching the two-digit figure for the first time.
• As of 3Q25, the non-performing loan ratio (NPL) reached 3.28%, with a 99.98% coverage ratio.
• The quarterly efficiency ratio in 3Q25 was 57.6%, increasing 110 bps compared to 2Q25’s 56.5%.
• As of 3Q25, BBVA Argentina reached a regulatory capital ratio of 16.7% (Tier 1: 16.7%), entailing a 102.5% excess over minimum regulatory requirement.
• Total liquid assets represented 44.3% of the Bank’s total deposits as of 3Q25.

3Q25 Results Conference Call

Wednesday, November 26, 2025

Time: 12:00 p.m. Buenos Aires time – (10:00 a.m. EST)

To participate click to register

About BBVA Argentina

BBVA Argentina S.A. (NYSE; MAE; BYMA: BBAR; Latibex: XBBAR) is a subsidiary of the BBVA Group, its main shareholder since 1996. In Argentina, it has been one of the leading financial institutions since 1886. BBVA Argentina offers retail and corporate banking to a wide client base, including individuals, SMEs, and large corporations.

BBVA's strategy is to support its clients' ambition to go further. This is achieved through constant and empathetic support during key moments, recognizing the inner strength that drives people. The value proposition focuses on anticipation and innovation to be the ideal partner that helps clients reach their goals.

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