BBVA(BBAR) - 2025 Q4 - Earnings Call Presentation

BBVA Argentina March 2026 4Q25 & 2025 Earnings Conference Call BBVA Argentina Corporate Presentation p. 1 4Q25 & 2025 Profitability Indicators Net Income (AR$ billion, INFLATION ADJUSTED) +45% -43% ROA ROE 4Q25 Main Highlights – AR$ Real Terms 4Q25 Net Income NET INTEREST INCOME OPERATING EXPENSES EFFICIENCY RATIO* (%) 45.9% in 4Q25 297.3 bn LOAN LOSS ALLOWANCES 1 3 2 758.9 bn 537.5 bn +20.2% QoQ +19.6% YoY +31.3% QoQ +168.6% YoY +0.8% QoQ -9.8% YoY -1,173 bps QoQ Better NII after stabilization of interest ...