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Mar 31, 2025
BBVA Q1 2025 Earnings Report
BBVA Argentina posted strong earnings in Q1 2025, with higher lending activity and strong net income supported by improved margins and lower inflation impact.
Key Takeaways
In Q1 2025, BBVA Argentina delivered $90M in net income and nearly $746M in revenue. Strong credit performance and cost control led to a solid operating income.
Net income totaled ~$90M USD (AR$ 78.2B), boosted by commercial growth and stable costs.
EPS per ADS (FXC) was ~$0.42 USD, based on AR$ 366.
Private sector loans increased 17.7% QoQ and 136.5% YoY.
Deposits rose 13.6% QoQ and 82.3% YoY.
Revenue by Geographic Location
Forward Guidance
BBVA expects continued growth in private credit, improved dollar balance sheet positioning, and a gradual normalization of financial markets in Argentina.
Positive Outlook
- Credit growth outpaced inflation
- Deposit growth remained strong
- Efficiency ratio improved significantly
- Margins expanded due to monetary normalization
- Solid capital and liquidity position maintained
Challenges Ahead
- Inflation remained high and volatile
- Currency depreciation risk continues
- Retail provisioning increased slightly
- Regulatory uncertainty in banking environment
- Potential for spread compression in H2
Historical Earnings Impact
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Avg. Return Before/After Earnings
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