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Dec 31, 2024
BBVA Q4 2024 Earnings Report
BBVA Argentina ended the year with strong Q4 results, delivering solid earnings and operational efficiency amid continued inflationary challenges.
Key Takeaways
In Q4 2024, BBVA Argentina posted $69M in net income and $667M in revenue. EPS per ADS was approximately $0.37 USD, supported by growing loan activity and strong cost discipline.
Net income reached ~$69M USD (AR$ 55.8B), a strong result despite macroeconomic headwinds.
EPS per ADS (FXC) was ~$0.37 USD, based on AR$ 301.
Private sector loans rose 20.4% QoQ and 138.1% YoY.
Deposits grew 22.3% QoQ and 110.7% YoY.
BBVA
BBVA
BBVA Revenue by Geographic Location
Revenue by Geographic Location
Argentina Revenue
CapyFin.com Forward Guidance
BBVA Argentina expects steady growth in lending, continued deposit expansion, and margin pressure moderation as inflation dynamics evolve in 2025.
Positive Outlook
- Strong operational efficiency maintained
- Deposit base expanded above market growth
- Solid loan growth in retail and SMEs
- Capital and liquidity ratios remained robust
- Improved client acquisition through digital channels
Challenges Ahead
- Inflation remains high and uncertain
- Increasing pressure on credit quality
- FX volatility impacting treasury gains
- Tightening regulations on fees and lending
- Rising competition in retail segment