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Jun 30
BBVA Q2 2025 Earnings Report
BBVA Argentina reported a profitable second quarter with rising credit activity and deposits, despite a drop in net income compared to previous periods.
Key Takeaways
BBVA Argentina delivered a net income of approximately $50M USD in Q2 2025, driven by strong growth in private sector lending and deposit inflows. Despite inflation-adjusted figures reflecting a YoY decline, commercial momentum remained strong.
Net income reached ~$50M USD (AR$ 59.6B), down 31.1% QoQ and 62.1% YoY.
EPS per ADS (FXC) was ~$0.23 USD, based on AR$ 271.
Private sector loans grew 15.7% QoQ and 109.6% YoY.
Deposits increased 12% QoQ and 60.8% YoY.
BBVA
BBVA
BBVA Revenue by Segment
BBVA Revenue by Geographic Location
Revenue by Segment
Retail Revenue
CapyFin.comSMEs Revenue
CapyFin.comCorporates Revenue
CapyFin.comRevenue by Geographic Location
Argentina Revenue
CapyFin.com Forward Guidance
BBVA expects stable spreads, continued growth in lending, and stronger dollar-segment performance as macroeconomic normalization advances in Argentina.
Positive Outlook
- Credit activity outpaced inflation and system growth
- Strong deposit inflows exceeded market average
- Improved dollar-segment profitability and growth
- Exchange rate liberalization supported trading gains
- Strong liquidity and capital position maintained
Challenges Ahead
- Net income decreased significantly YoY
- Higher loan loss provisions due to retail portfolio
- NPL ratio increased to 2.28%
- Efficiency ratio slightly deteriorated
- Decline in regulatory capital ratio QoQ