# EDGAR Filing Document

**Accession Number:** 0000913059
**File Stem:** 0001292814-25-004072
**Filing Date:** 2025-11
**Character Count:** 154994
**Document Hash:** e3c9977e6191934db425d20a882ec5e0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001292814-25-004072.hdr.sgml**: 20251125

**ACCESSION NUMBER**: 0001292814-25-004072

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 7

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251125

**DATE AS OF CHANGE**: 20251125

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Banco BBVA Argentina S.A.
- **CENTRAL INDEX KEY:** 0000913059
- **STANDARD INDUSTRIAL CLASSIFICATION:** COMMERCIAL BANKS, NEC [6029]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-12568
- **FILM NUMBER:** 251522211

**BUSINESS ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** AV. CORDOBA 111
- **CITY:** C1054AAA BUENOS AIRES
- **PROVINCE COUNTRY:** C1
- **BUSINESS PHONE:** 011541143480000

**MAIL ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** AV. CORDOBA 111
- **CITY:** C1054AAA BUENOS AIRES
- **PROVINCE COUNTRY:** C1

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BBVA BANCO FRANCES SA
- **DATE OF NAME CHANGE:** 20001219

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FRENCH BANK OF THE RIO DE LA PLATA
- **DATE OF NAME CHANGE:** 19931005

**FORM 6-K**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**Report of Foreign Issuer**

**Pursuant to Rule 13a-16 or 15d-16**

**of the Securities Exchange Act of 1934**

For the month of November 2025

Commission File Number: 001-12568

**BBVA Argentina Bank S.A.**

(Translation of registrant's name into English)

**111 Córdoba Av, C1054AAA** 

**Buenos Aires, Argentina**

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F X Form 40-F

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

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| &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp; X |

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Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

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|:---|:---|:---|
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp; X |

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Indicate by check mark whether by furnishing the information contained in this Form, the Registrant is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp; X |

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If "Yes" is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): <u>N/A</u>

**Banco BBVA Argentina S.A.**

**TABLE OF CONTENTS**

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| | |
|:---|:---|
| &nbsp;&nbsp; **Item** |  |
| &nbsp;&nbsp;1. | &nbsp;&nbsp;Banco BBVA Argentina S.A. reports consolidated third quarter earnings for fiscal year 2025. |

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Banco BBVA Argentina S.A. announces Third Quarter 2025 results

Buenos Aires, November 25, 2025 – 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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 on 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As
of 3Q25, the non-performing loan ratio (NPL) reached 3.28%, with a 99.98% coverage ratio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
quarterly efficiency ratio in 3Q25 was 57.6%, increasing 110 bps compared to 2Q25's 56.5%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
liquid assets represented 44.3% of the Bank's total deposits as of 3Q25.

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.2 |

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Message from the CFO

"In the third quarter of 2025, Banco BBVA Argentina has managed to sustain its growth strategy, demonstrating the strength of its fundamentals and the effectiveness of its management. We maintained a focus on operational efficiency through careful administration of our fees and strict control of expenses, which allowed us to navigate the volatile context in which interest rate levels doubled.

The period was marked by high political uncertainty which resulted in strong movements in financial variables. The Central Bank implemented a more restrictive monetary policy, with increases in reserve requirements, a new daily compliance scheme for them, and changes in the instruments used to regulate the money supply, which led to a sharp rise in the level and volatility of interest rates. The electoral results in the Province of Buenos Aires at the beginning of September added further doubts about the continuity of the government's economic policy.

Deposit rates increased from levels of 30% at the beginning of July, reaching peaks of 70% during September. Furthermore, demand for exchange rate hedging increased, resulting in some dollarization of deposits, while loan growth slowed down. Nevertheless, credit to the private sector of the system achieved a real term increase of 7.0% during the quarter.

Although this scenario was quickly reversed, after the outcome of the national elections in October heavily supported the ruling party, the results of the financial system were not exempt from the impact of what happened during the quarter.

On the one hand, the high level of rates affected the continued deterioration of the system's delinquency, and in addition, it had a negative impact on intermediation margins, given the faster speed at which liabilities are renegotiated compared to assets, despite the short duration of the latter.

The Bank's net income in 3Q25 was $38.1 billion, with a quarterly ROE of 4.7%. We are leveraged on active pricing management, careful portfolio management, and strict control of expenses, which has allowed us to navigate a context of higher provisions and delinquency, while still driving growth in activity. The aforementioned negative impact on margins was mitigated by the high percentage of floating-rate sovereign debt in the securities portfolio. In this context, total loans to the private sector grew by 6.7%, and the consolidated market share was 11.39%. Regarding deposits, a real term increase of 10.2% was also achieved, so that the market share rose 44 bps and reached the double-digit figure for the first time, up to 10.09%.

As for asset quality, the NPL ratio of BBVA Argentina on private loans reached 3.28% as of September 2025, a figure that remains below the system average of 3.99%. BBVA is renowned for presenting delinquency ratios consistently below the sector average, which reflects the quality of its credit risk management and its prudent approach to portfolio origination.

Regarding the liquidity ratio, the Bank maintains a comfortable level, which at the end of the quarter reached 44.3% of deposits. The capital ratio stood at 16.7%, with its decrease of 170 bps compared to the previous quarter is mainly explained by the temporary impact of the sovereign debt valuation. Yet, it continues at ample levels that allow us to sustain our growth strategy.

In line with our commitment to generating value for our shareholders, the Bank continued with the payment of dividends corresponding to the 2024 financial year in 10 installments, having successfully completed the payment of installments 3 to 6 as of the date of this report.

In summary, despite the challenges of the environment, Banco BBVA Argentina has demonstrated notable resilience and effective management during 3Q25. The positive growth in credit, delinquency levels below the system average, and the strength in liquidity and capital are testament to the quality of our risk management and prudent approach. We reiterate our firm commitment to continue driving activity, maintaining operational efficiency, and generating sustained value for our shareholders."

Carmen Morillo Arroyo, CFO at BBVA Argentina

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.3 |

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Safe Harbor Statement

This press release contains certain forward-looking statements that reflect the current views and/or expectations of Banco BBVA Argentina and its management with respect to its performance, business and future events. We use words such as "believe," "anticipate," "plan," "expect," "intend," "target," "estimate," "project," "predict," "forecast," "guideline," "seek," "future," "should" and other similar expressions to identify forward-looking statements, but they are not the only way we identify such statements. Such statements are subject to a number of risks, uncertainties and assumptions. We caution you that a number of important factors could cause actual results to differ materially from the plans, objectives, expectations, estimates and intentions expressed in this release. Actual results, performance or events may differ materially from those in such statements due to, without limitation, (i) changes in general economic, financial, business, political, legal, social or other conditions in Argentina or elsewhere in Latin America or changes in either developed or emerging markets, (ii) changes in regional, national and international business and economic conditions, including inflation, (iii) changes in interest rates and the cost of deposits, which may, among other things, affect margins, (iv) unanticipated increases in financing or other costs or the inability to obtain additional debt or equity financing on attractive terms, which may limit our ability to fund existing operations and to finance new activities, (v) changes in government regulation, including tax and banking regulations, (vi) changes in the policies of Argentine authorities, (vii) adverse legal or regulatory disputes or proceedings, (viii) competition in banking and financial services, (ix) changes in the financial condition, creditworthiness or solvency of the customers, debtors or counterparties of Banco BBVA Argentina, (x) increase in the allowances for loan losses, (xi) technological changes or an inability to implement new technologies, (xii) changes in consumer spending and saving habits, (xiii) the ability to implement our business strategy and (xiv) fluctuations in the exchange rate of the Peso. The matters discussed herein may also be affected by risks and uncertainties described from time to time in Banco BBVA Argentina's filings with the U.S. Securities and Exchange Commission (SEC) and Comisión Nacional de Valores (CNV). Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as the date of this document. Banco BBVA Argentina is under no obligation and expressly disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Information

This earnings release has been prepared in accordance with the accounting framework established by the Central Bank of Argentina ("BCRA"), based on International Financial Reporting Standards ("I.F.R.S.") and the resolutions adopted by the International Accounting Standards Board ("I.A.S.B") and by the Federación Argentina de Consejos Profesionales de Ciencias Económicas ("F.A.C.P.E."), and with the the exclusion of the application of the IFRS 9 impairment model for non-financial public sector debt instruments.

The information in this press release contains unaudited financial information that consolidates, line item by line item, all of the banking activities of BBVA Argentina, including: BBVA Asset Management Argentina S.A.U. Sociedad Gerente de Fondos Comunes de Inversión y Agente de Liquidación y Compensación Integral, Consolidar AFJP-undergoing liquidation proceeding, PSA Finance Argentina Compañía Financiera S.A. ("PSA") and Volkswagen Financial Services Compañía Financiera S.A ("VWFS").

BBVA Seguros Argentina S.A. is disclosed on a consolidated basis recorded as Investments in associates (reported under the proportional consolidation method), and the corresponding results are reported as "Income from associates"), same as Rombo Compañía Financiera S.A. ("Rombo"), Play Digital S.A. ("MODO"), Openpay Argentina S.A. and Interbanking S.A.

Financial statements of subsidiaries have been elaborated as of the same dates and periods as Banco BBVA Argentina S.A.'s. In the case of consolidated companies PSA and VWFS, financial statements were prepared considering the B.C.R.A. accounting framework for institutions belonging to "Group C", considering the model established by the IFRS 9 5.5. "Impairment" section for periods starting as of January 1, 2022, excluding debt instruments from the non-financial public sector.

The information published by the BBVA Group for Argentina is prepared according to IFRS, without considering the temporary exceptions established by BCRA.

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.4 |

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Quarterly Results

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INCOME STATEMENT** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Net Interest Income** | **585469** | **627132** | **606421** | **(6.6%)** | **(3.5%)** |
| **Net Fee Income** | **137081** | **99666** | **93730** | **37.5%** | **46.3%** |
| Net income from measurement of financial instruments at fair value through P&L | 22611 | 49859 | 38653 | (54.7%) | (41.5%) |
| Net income from write-down of assets at amortized cost and at fair value through OCI | (3427) | (312) | 72919 | n.m | &nbsp;&nbsp;&nbsp;&nbsp;(104.7%) |
| Foreign exchange and gold gains | 60653 | 57451 | &nbsp;&nbsp;&nbsp;&nbsp;8777 | &nbsp;&nbsp;&nbsp;&nbsp;5.6% | n.m |
| Other operating income | 71288 | 39834 | 38446 | 79.0% | 85.4% |
| Loan loss allowances | &nbsp;&nbsp;&nbsp;&nbsp;(209957) | &nbsp;&nbsp;&nbsp;&nbsp;(153149) | (54357) | (37.1%) | &nbsp;&nbsp;&nbsp;&nbsp;(286.3%) |
| **Net operating income** | **663718** | **720481** | **804589** | **(7.9%)** | **(17.5%)** |
| Personnel benefits | &nbsp;&nbsp;&nbsp;&nbsp;(147208) | &nbsp;&nbsp;&nbsp;&nbsp;(150246) | &nbsp;&nbsp;&nbsp;&nbsp;(132734) | &nbsp;&nbsp;&nbsp;&nbsp;2.0% | (10.9%) |
| Adminsitrative expenses | &nbsp;&nbsp;&nbsp;&nbsp;(145939) | &nbsp;&nbsp;&nbsp;&nbsp;(156469) | &nbsp;&nbsp;&nbsp;&nbsp;(162504) | &nbsp;&nbsp;&nbsp;&nbsp;6.7% | 10.2% |
| Depreciation and amortization | (24783) | (24995) | (21796) | &nbsp;&nbsp;&nbsp;&nbsp;0.8% | (13.7%) |
| Other operating expenses | &nbsp;&nbsp;&nbsp;&nbsp;(176699) | &nbsp;&nbsp;&nbsp;&nbsp;(180185) | &nbsp;&nbsp;&nbsp;&nbsp;(100144) | &nbsp;&nbsp;&nbsp;&nbsp;1.9% | (76.4%) |
| **Operarting expenses** | **(494629)** | **(511895)** | **(417178)** | **3.4%** | **(18.6%)** |
| **Operating income** | **169089** | **208586** | **387411** | **(18.9%)** | **(56.4%)** |
| Income from associates | &nbsp;&nbsp;&nbsp;&nbsp;3211 | &nbsp;&nbsp;&nbsp;&nbsp;4275 | &nbsp;&nbsp;&nbsp;&nbsp;452 | (24.9%) | n.m |
| Income from net monetary position | &nbsp;&nbsp;&nbsp;&nbsp;(110947) | &nbsp;&nbsp;&nbsp;&nbsp;(117640) | &nbsp;&nbsp;&nbsp;&nbsp;(224643) | &nbsp;&nbsp;&nbsp;&nbsp;5.7% | 50.6% |
| **Net income before income tax** | **61353** | **95221** | **163220** | **(35.6%)** | **(62.4%)** |
| Income tax | (23282) | (32047) | (32501) | 27.4% | 28.4% |
| **Net income for the period** | **38071** | **63174** | **130719** | **(39.7%)** | **(70.9%)** |
| **Owners of the parent** | **35086** | **58660** | **131326** | **(40.2%)** | **(73.3%)** |
| **Non-controlling interests** | **2985** | **4514** | **(607)** | **(33.9%)** | **n.m** |
| **Other comprehensive Income (OCI) (1)** | **(165667)** | **(8771)** | **(96319)** | **n.m** | **(72.0%)** |
| **Total comprehensive income** | **(127596)** | **54403** | **34400** | **(334.5%)** | **(470.9%)** |
| (1) Net of Income Tax. |  |  |  |  |  |

---

BBVA Argentina 3Q25 net income was $38.1 billion, decreasing 39.7% QoQ and 70.9% YoY. This implied a quarterly ROAE of 4.7% and a quarterly ROAA of 0.7%.

The 18.9% decrease in quarterly operating results was mainly explained by lower operating income. Lower income was mainly due to (i) a deterioration in loan loss allowances, (ii) lower net interest income, and (iii) a drop in the line of net income from measurement of financial instruments at Fair Value (FV) throughP&L. These were positively offset by substantially better net fee income, operating expenses and other operating income lines (including non recurrent concepts).

It should be noted that the quarter was marked by an increase in average interest rates in a context of volatility, regulatory changes on minimum reserve requirements, and uncertainty raised by the electoral period, which cleared up after the results, reversing several of the negative impacts.

Net income from the net monetary position was 5.7% lower QoQ, in a context of a stable quarterly inflation (5.7% versus 6.0% in 2Q25<sup>1</sup>).

<sup>1</sup> Fuente: Instituto Nacional de Estadística y Censos (INDEC)

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.5 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **OTHER COMPREHENSIVE INCOME** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Net income for the period** | **38071** | **63174** | **130719** | **(39.7%)** | **(70.9%)** |
| **Other comprehensive income components to be reclassified to income/(loss) for the period** |  |  |  |  |  |
| **Profit or losses from financial isntruments at fair value through OCI** | **(165202)** | **(9956)** | **(96720)** | **n.m** | **(70.8%)** |
| Profit or losses from financial instruments at fair value through OCI | &nbsp;&nbsp;&nbsp;&nbsp;(257585) | (15628) | &nbsp;&nbsp;&nbsp;&nbsp;(101417) | n.m | &nbsp;&nbsp;&nbsp;&nbsp;(154.0%) |
| Reclassification adjustment for the period | &nbsp;&nbsp;&nbsp;&nbsp;3427 | &nbsp;&nbsp;&nbsp;&nbsp;312 | (7920) | n.m | 143.3% |
| Income tax | 88956 | &nbsp;&nbsp;&nbsp;&nbsp;5360 | 12617 | n.m | n.m |
| **Other comprehensive income coponents not to be reclassified to income/(loss) for the period** | **Other comprehensive income coponents not to be reclassified to income/(loss) for the period** |  |  |  |  |
| **Income or loss on equity instruments at fair value through OCI** | **(465)** | **1185** | **401** | **(139.2%)** | **(216.0%)** |
| Resultado por instrumentos de patrimonio a VR con cambios en ORI | (465) | &nbsp;&nbsp;&nbsp;&nbsp;1185 | &nbsp;&nbsp;&nbsp;&nbsp;401 | &nbsp;&nbsp;&nbsp;&nbsp;(139.2%) | &nbsp;&nbsp;&nbsp;&nbsp;(216.0%) |
| **Total Other Comprehensive Income/(loss) for the period** | **(165667)** | **(8771)** | **(96319)** | **n.m** | **(72.0%)** |
| **Total Comprehensive Income** | **(127596)** | **54403** | **34400** | **(334.5%)** | **(470.9%)** |
| **Attributable to owners of the Parent** | **(130581)** | **49889** | **35064** | **(361.7%)** | **(472.4%)** |
| **Attributable to non-controlling interests** | **2985** | **4514** | **(664)** | **(33.9%)** | **n.m** |

---

Lastly, total OCI in 3Q25 reported a $165.7 billion loss, 1,559% higher than the loss recorded in 2Q25, reflecting the impact of changes in the valuation of the sovereign securities portfolio amid a high volatility context in the quarter.

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.6 |

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9 Month Accumulated Results

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| | | | |
|:---|:---|:---|:---|
| **INCOME STATEMENT - 9 MONTH ACCUMULATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  |
|  | **2025** | **2024** | **∆ %** |
| Interest income | &nbsp;&nbsp;&nbsp;&nbsp;3456506 | 4675662 | (26.1%) |
| Interest expense | (1635780) | (1686792) | 3.0% |
| **Net interest income** | **1820726** | **2988870** | **(39.1%)** |
| Fee income | &nbsp;&nbsp;&nbsp;&nbsp;597787 | 509092 | &nbsp;&nbsp;&nbsp;&nbsp;17.4% |
| Fee expenses | (248935) | (240024) | &nbsp;&nbsp;&nbsp;&nbsp;(3.7%) |
| **Net fee income** | **348852** | **269068** | **29.7%** |
| Net income from financial instruments at fair value through P&L | &nbsp;&nbsp;&nbsp;&nbsp;108644 | 133271 | (18.5%) |
| Net loss from write-down of assets at amortized cost and fair value through OCI | 86293 | 203339 | (57.6%) |
| Foreign exchange and gold gains | &nbsp;&nbsp;&nbsp;&nbsp;127242 | 56741 | 124.3% |
| Other operating income | &nbsp;&nbsp;&nbsp;&nbsp;154721 | 130511 | &nbsp;&nbsp;&nbsp;&nbsp;18.6% |
| Loan loss allowances | (470762) | (162830) | &nbsp;&nbsp;&nbsp;&nbsp;(189.1%) |
| **Net operating income** | **2175716** | **3618970** | **(39.9%)** |
| Personnel benefits | (433596) | (452058) | 4.1% |
| Administrative expenses | (466812) | (516440) | 9.6% |
| Depreciation and amortization | (73154) | &nbsp;&nbsp;&nbsp;&nbsp;(66308) | (10.3%) |
| Other operating expenses | (509088) | (431180) | (18.1%) |
| **Operating expenses** | **(1482650)** | **(1465986)** | **(1.1%)** |
| **Operating income** | **693066** | **2152984** | **(67.8%)** |
| Income from associates and joint ventures | &nbsp;&nbsp;&nbsp;&nbsp;8317 | (924) | n.m |
| Income from net monetary position | (396696) | (1623625) | &nbsp;&nbsp;&nbsp;&nbsp;75.6% |
| **Income before income tax** | **304687** | **528435** | **(42.3%)** |
| Income tax | (111763) | (171112) | &nbsp;&nbsp;&nbsp;&nbsp;34.7% |
| **Income for the period** | **192924** | **357323** | **(46.0%)** |
| **Owners of the parent** | **181856** | **356250** | **(49.0%)** |
| **Non-controlling interests** | **11068** | **1073** | **n.m** |
| **Other comprehensive Income (OCI) (1)** | **(297836)** | **(371287)** | **19.8%** |
| **Total comprehensive income** | **(104912)** | **(13964)** | **n.m** |
| (1) Net of Income Tax. |  |  |  |

---

In the first nine months of 2025, BBVA Argentina reported a net income of $192.9 billion, 46.0% lower than the $357.3 billion reported in the same period of 2024. This implied an accumulated ROE of 8.0% and an ROA of 1.2%, compared to an accumulated ROE of 16.9% and ROA of 3.4% for the first nine months of 2024.

The decrease in the Bank's results is explained mainly by the deterioration in loan loss allowances, in a context of increasing NPLs in the system compared to the prior quarter. Despite the net interest income line decreasing $1.17 trillion, this was a consequence of the lower levels of interest rates and inflation, more than offset by lower costs in the income from net monetary position line by $1.22 trillion decrease .

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.7 |

---

The 29.7% increase in net fee income should be noted, as a result of active actions on the improvement of this line, and a 124,3% increase in the foreign exchange and gold gains line, explained by business generated by the partial lift of FX controls on April 14, 2025.

Expenses remained under control, with a slight increase of 1.1%.

---

| | | | |
|:---|:---|:---|:---|
| **OTHER COMPREHENSIVE INCOME - 9 MONTH ACCUMULATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  |
|  | **2025** | **2024** | **∆ %** |
| **Net income for the period** | **192924** | **357323** | **(46.0%)** |
| **Other comprehensive income components to be reclassified to income/(loss) for the period** |  |  |  |
| **Profit or losses from financial isntruments at fair value through OCI** | **(300396)** | **(371467)** | **19.1%** |
| Profit or losses from financial instruments at fair value through OCI | &nbsp;&nbsp;&nbsp;&nbsp;(375854) | &nbsp;&nbsp;&nbsp;&nbsp;(493005) | 23.8% |
| Reclassification adjustment for the period | (86293) | &nbsp;&nbsp;&nbsp;&nbsp;(136085) | 36.6% |
| Income tax | 161751 | 257623 | (37.2%) |
| **Other comprehensive income coponents not to be reclassified to income/(loss) for the period** |  |  |  |
| **Income or loss on equity instruments at fair value through OCI** | **2560** | **180** | **n.m** |
| Resultado por instrumentos de patrimonio a VR con cambios en ORI | &nbsp;&nbsp;&nbsp;&nbsp;2560 | &nbsp;&nbsp;&nbsp;&nbsp;180 | n.m |
| **Total Other Comprehensive Income/(loss) for the period** | **(297836)** | **(371287)** | **19.8%** |
| **Total Comprehensive Income** | **(104912)** | **(13964)** | **n.m** |
| **Attributable to owners of the Parent** | **(115980)** | **(14205)** | **n.m** |
| **Attributable to non-controlling interests** | **11068** | **241** | **n.m** |

---

Lastly, accumulated OCI for the first nine months of 2025 totaled a $297.8 billion loss, mainly due to the result from financial instruments at FV through OCI, especially due to the change in valuation of the sovereign CPI-linked and TAMAR bonds portfolio. Thus, accumulated total comprehensive income for the first nine months of 2025 was a $104.9 billion loss.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **EARNINGS PER SHARE** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
|  |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Financial Statement information** |  |  |  |  |  |
| Net income for the period attributable to owners of the parent (in AR$ millions, inflation adjusted) | 35086 | 55356 | 99673 | (36.6%) | (64.8%) |
| Total shares outstanding <sup>(1)</sup> | 612710079 | 612710079 | 612710079 |  |  |
| **Market information** |  |  |  |  |  |
| Closing price of ordinary share at BYMA (in AR$) | 4236.60 | 6503.50 | 4210.50 | (34.9%) | &nbsp;&nbsp;&nbsp;&nbsp;0.6% |
| Closing price of ADS at NYSE (in USD) | 8.30 | &nbsp;&nbsp;&nbsp;&nbsp;16.50 | &nbsp;&nbsp;&nbsp;&nbsp;10.40 | (49.5%) | (19.8%) |
| **Book value per share (in AR$)** | **4868** | **4790** | **3901** | **1.6%** | **24.8%** |
| **Price-to-book ratio (BYMA price) (%)** | **0.87** | **1.36** | **1.08** | **(35.9%)** | **(19.4%)** |
| **Earnings per share (in AR$)** | **57** | **90** | **163** | **(36.6%)** | **(64.8%)** |
| **Earnings per ADS (1) in ARS** | **172** | **271** | **488** | **(36.6%)** | **(64.8%)** |
| **Market Cap (USD millions)** | **1699** | **3362** | **2118** | **(49.5%)** | **(19.8%)** |
| (1) Each ADS accounts for 3 ordinary shares |  |  |  |  |  |
| Book value, Equity and Results not adjusted by inflation |  |  |  |  |  |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.8 |

---

Net Interest Income

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NET INTEREST INCOME** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Net Interest Income** | **585469** | **627132** | **606421** | **(6.6%)** | **(3.5%)** |
| **Interest Income** | **1311872** | **1113273** | **1001576** | **17.8%** | **31.0%** |
| From government securities | &nbsp;&nbsp;&nbsp;&nbsp;198984 | &nbsp;&nbsp;&nbsp;&nbsp;119421 | &nbsp;&nbsp;&nbsp;&nbsp;252601 | 66.6% | (21.2%) |
| From private securities | 1390 | 707 | 661 | 96.6% | 110.3% |
| Interest from loans and other financing | &nbsp;&nbsp;&nbsp;&nbsp;988031 | &nbsp;&nbsp;&nbsp;&nbsp;830358 | &nbsp;&nbsp;&nbsp;&nbsp;512320 | 19.0% | 92.9% |
| &nbsp;&nbsp;&nbsp;&nbsp;*Financial Sector* | *21415* | *11603* | *4743* | *84.6%* | *351.5%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Overdrafts* | *140877* | *92848* | *70719* | *51.7%* | *99.2%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Discounted Instruments* | *219576* | *193515* | *139552* | *13.5%* | *57.3%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Mortgage loans* | *9258* | *7328* | *4663* | *26.3%* | *98.5%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Pledge loans* | *39696* | *28655* | *20012* | *38.5%* | *98.4%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Consumer Loans* | *184232* | *181795* | *98179* | *1.3%* | *87.6%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Credit Cards* | *179422* | *174464* | *105962* | *2.8%* | *69.3%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Financial leases* | *3991* | *3620* | *3369* | *10.2%* | *18.5%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Loans for the prefinancing and financing of exports* | *37080* | *21721* | *5490* | *70.7%* | *n.m* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Other loans* | *152484* | *114809* | *59631* | *32.8%* | *155.7%* |
| Premiums on reverse REPO transactions | 233 | &nbsp;&nbsp;&nbsp;&nbsp;10 | 11518 | n.m | (98.0%) |
| CER/UVA clause adjustment | &nbsp;&nbsp;&nbsp;&nbsp;108571 | &nbsp;&nbsp;&nbsp;&nbsp;156197 | &nbsp;&nbsp;&nbsp;&nbsp;221620 | (30.5%) | (51.0%) |
| Other interest income | 14663 | 6580 | 2856 | 122.8% | 413.4% |
| **Interest expenses** | **726403** | **486141** | **395155** | **49.4%** | **83.8%** |
| Deposits | &nbsp;&nbsp;&nbsp;&nbsp;646234 | &nbsp;&nbsp;&nbsp;&nbsp;428575 | &nbsp;&nbsp;&nbsp;&nbsp;355493 | 50.8% | 81.8% |
| &nbsp;&nbsp;&nbsp;&nbsp;*Checking accounts\** | *107028* | *68798* | *71452* | *55.6%* | *49.8%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Savings accounts* | *1423* | *2341* | *3312* | *(39.2%)* | *(57.0%)* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Time deposits* | *532272* | *322231* | *243206* | *65.2%* | *118.9%* |
| &nbsp;&nbsp;&nbsp;&nbsp;*Investment accounts* | *5511* | *35205* | *37523* | *(84.3%)* | *(85.3%)* |
| Other liabilities from financial transactions | 41329 | 28436 | 2966 | 45.3% | n.m |
| Interfinancial loans received | 30688 | 22275 | 12772 | 37.8% | 140.3% |
| Premiums on REPO transactions | 5078 | &nbsp;&nbsp;&nbsp;&nbsp;- | 480 | N/A | n.m |
| Guaranteed securities loans | 1115 | 1854 | 2836 | (39.9%) | (60.7%) |
| CER/UVA clause adjustment | 1959 | 5001 | 20608 | (60.8%) | (90.5%) |
| Other interest expense | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | N/A | N/A |
| \*Includes interest-bearing checking accounts |  |  |  |  |  |

---

Net interest income in 3Q25 was $585.5 billion, decreasing 6.6% QoQ, and 3.5% YoY. In 3Q25, interest income increased less than interest expenses in monetary terms, driven by the sudden increase in interest rates.

In 3Q25, interest income totaled $1.3 trillion, increasing 17.8% compared to 2Q25 and 31.0% compared to 3Q24. While income from loans increased 19.0%, income from government securities increased 66.6% given the high percentage of TAMAR (floating rate) bonds in the portfolio, which rapidly capture changes in market rates.

Interest income from loans and other financing totaled $988.0 billion, increasing 19.0% QoQ and 92.9% YoY. Overdrafts stands out, increasing 51,7% explained by the nature of the credit line as its short duration rapidly captures the change in rates. On the other hand, income from consumer loans only increased 1.3%, not only due to their longer durations but also given the more restrictive origination policies than in previous quarters.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.9 |

---

Income from government securities increased 66.62% compared to 2Q25, and 21.2% compared to 3Q24. 85% of these results correspond to government securities at fair value through OCI, 7% correspond to securities at fair value through P&L, and 8% correspond to securities at amortized cost (mainly bonds used for reserve requirement integration).

Income from CER/UVA adjustments decreased 30.5% QoQ and 51.0% YoY. Quarterly decrease is explained by (i) lower income from CPI-linked bonds, and (ii) interests due to UVA adjustments from loans. It is important to mention that in spite of inflation being stable during the quarter, the CER index accrued by these products is lower, explained by the delay with which the inflation adjustment effects are recorded. 66% of income from interests from CER/UVA clause adjustments is explained by interests generated by CPI linked bonds while 34% is explained by loans.

Interest expenses totaled $726.4 billion, denoting an increase of 49.4% QoQ and 83.8% YoY. Quarterly increase is explained by higher expenses from time deposits, mainly wholesale, and interest-bearing accounts, mostly due to an increase in the average TAMAR rate during the quarter (3Q25 average TAMAR rate was 46.4%, with peaks of up to 67% APR, versus a 34.2% average the previous quarter).

Interests from time deposits (including investment accounts, excluding CER/UVA adjustments from time deposits) explain 74.0% of interest expenses, increasing versus 73.5% the previous quarter. Time deposit expenses increased 65.2% QoQ and 118.9% YoY.

NIM

In 3Q25, total net interest margin (NIM) was 16.7%, falling QoQ from 19.1%. While NIM in pesos dropped 300 bps to 18,7%, NIM in foreign currency increased 170 bps to 7.1%.

In spite of the fall in total NIM being explained by the balance sheet in pesos, the greater weight of interest-bearing assets in foreign currency also contributed to the drop.

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ASSETS & LIABILITIES PERFORMANCE - TOTAL** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** | **In millions of AR$. Rates and spreads in annualized %** |
|  | **3Q25** | **3Q25** | **3Q25** | **2Q25** | **2Q25** | **2Q25** | **3Q24** | **3Q24** | **3Q24** |
|  | **Average Balance** | **Interest Earned/Paid** | **Average Real Rate** | **Average Balance** | **Interest Earned/Paid** | **Average Real Rate** | **Average Balance** | **Interest Earned/Paid** | **Average Real Rate** |
| **Total interest-earning assets** | **13897103** | **1311872** | **37.5%** | **13196167** | **1113273** | **33.8%** | **9810792** | **1001563** | **40.5%** |
| Debt securities | &nbsp;&nbsp;&nbsp;&nbsp;2894382 | &nbsp;&nbsp;&nbsp;&nbsp;272362 | 37.3% | &nbsp;&nbsp;&nbsp;&nbsp;2873144 | &nbsp;&nbsp;&nbsp;&nbsp;228719 | 31.9% | &nbsp;&nbsp;&nbsp;&nbsp;3737458 | &nbsp;&nbsp;&nbsp;&nbsp;450288 | 47.8% |
| Loans to customers/financial institutions | 10904644 | &nbsp;&nbsp;&nbsp;&nbsp;1039485 | 37.8% | 10215364 | &nbsp;&nbsp;&nbsp;&nbsp;884536 | 34.7% | &nbsp;&nbsp;&nbsp;&nbsp;6042364 | &nbsp;&nbsp;&nbsp;&nbsp;551266 | 36.2% |
| Loans to the BCRA | 557 | 6 | 4.3% | 556 | 1 | 0.7% | 377 | 9 | 9.5% |
| Other assets | 97520 | &nbsp;&nbsp;&nbsp;&nbsp;19 | 0.1% | &nbsp;&nbsp;&nbsp;&nbsp;107103 | &nbsp;&nbsp;&nbsp;&nbsp;17 | 0.1% | 30593 | &nbsp;&nbsp;&nbsp;&nbsp;- | 0.0% |
| **Total non interest-earning assets** | **5553207** | **-** | **0.0%** | **5473672** | **-** | **0.0%** | **4384179** | **13** | **0.0%** |
| **Total Assets** | **19450310** | **1311872** | **26.8%** | **18669839** | **1113273** | **23.9%** | **14194971** | **1001576** | **28.0%** |
| **Total interest-bearing liabilities** | **11745860** | **726403** | **24.5%** | **10921023** | **486141** | **17.9%** | **7234615** | **395155** | **21.7%** |
| Savings accounts | &nbsp;&nbsp;&nbsp;&nbsp;4617502 | 2136 | 0.2% | &nbsp;&nbsp;&nbsp;&nbsp;4486626 | 2644 | 0.2% | &nbsp;&nbsp;&nbsp;&nbsp;3022018 | 3312 | 0.4% |
| Time deposits and investment accounts | &nbsp;&nbsp;&nbsp;&nbsp;5009237 | &nbsp;&nbsp;&nbsp;&nbsp;539742 | 42.7% | &nbsp;&nbsp;&nbsp;&nbsp;4599782 | &nbsp;&nbsp;&nbsp;&nbsp;362436 | 31.6% | &nbsp;&nbsp;&nbsp;&nbsp;3105157 | &nbsp;&nbsp;&nbsp;&nbsp;301336 | 38.5% |
| Debt securities issued | &nbsp;&nbsp;&nbsp;&nbsp;315732 | 15543 | 19.5% | &nbsp;&nbsp;&nbsp;&nbsp;253440 | 16922 | 26.8% | 16500 | 1914 | 46.0% |
| Other liabilities | &nbsp;&nbsp;&nbsp;&nbsp;1803389 | &nbsp;&nbsp;&nbsp;&nbsp;168982 | 37.2% | &nbsp;&nbsp;&nbsp;&nbsp;1581175 | &nbsp;&nbsp;&nbsp;&nbsp;104139 | 26.4% | &nbsp;&nbsp;&nbsp;&nbsp;1090940 | 88593 | 32.2% |
| **Total non-interest-bearing liabilities** | **7704450** | **-** | **0.0%** | **7748816** | **-** | **0.0%** | **6960356** | **-** | **0.0%** |
| **Total liabilities and equity** | **19450310** | **726403** | **14.8%** | **18669839** | **486141** | **10.4%** | **14194971** | **395155** | **11.0%** |
| **NIM - Total** | **13897103** | **585469** | **16.7%** | **13196167** | **627132** | **19.1%** | **9810792** | **606408** | **24.5%** |
| **Spread - Total** |  |  | **12.9%** |  |  | **16.0%** |  |  | **18.8%** |
| **NIM - AR$** | **11511734** | **542985** | **18.7%** | **11089371** | **598578** | **21.7%** | **8949350** | **599148** | **26.6%** |
| **Spread - AR$** |  |  | **7.0%** |  |  | **12.6%** |  |  | **13.6%** |
| **NIM - Foreign currency** | **2385369** | **42484** | **7.1%** | **2106796** | **28554** | **5.4%** | **861442** | **7260** | **3.3%** |
| **Spread - Foreign currency** |  |  | **7.7%** |  |  | **5.7%** |  |  | **3.7%** |
| Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year | Nominal rates are calculated over a 365-day year |
| Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI | Does not include Net income from measurement of financial instruments at fair value through P&L nor Net income from write-down of assets at amortized cost and at fair value through OCI |
| Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. | Interest-bearing checking accounts included in other interest-bearing liabilities. Non interest-bearing accounts are included in non-interest-bearing liabilities. |
| Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. | Non.interest earning assets include all assets that do not have an impact in the interest margin. |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.10 |

---

Net Fee Income

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NET FEE INCOME** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Net Fee Income** | **137081** | **99666** | **93730** | **37.5%** | **46.3%** |
| **Fee Income** | **207818** | **187055** | **175595** | **11.1%** | **18.4%** |
| Linked to liabilities | 57221 | 55534 | 47849 | &nbsp;&nbsp;&nbsp;&nbsp;3.0% | 19.6% |
| From credit cards <sup>(1)</sup> | 110129 | 92219 | 89319 | 19.4% | 23.3% |
| Linked to loans | 19336 | 21171 | 17659 | (8.7%) | &nbsp;&nbsp;&nbsp;&nbsp;9.5% |
| From insurance | &nbsp;&nbsp;&nbsp;&nbsp;7511 | &nbsp;&nbsp;&nbsp;&nbsp;7219 | &nbsp;&nbsp;&nbsp;&nbsp;6304 | &nbsp;&nbsp;&nbsp;&nbsp;4.0% | 19.1% |
| From foreign trade and foreign currency transactions | &nbsp;&nbsp;&nbsp;&nbsp;8140 | &nbsp;&nbsp;&nbsp;&nbsp;6638 | &nbsp;&nbsp;&nbsp;&nbsp;7476 | 22.6% | &nbsp;&nbsp;&nbsp;&nbsp;8.9% |
| Linked to loan commitments | &nbsp;&nbsp;&nbsp;&nbsp;589 | &nbsp;&nbsp;&nbsp;&nbsp;111 | &nbsp;&nbsp;&nbsp;&nbsp;374 | 430.6% | 57.5% |
| From guarantees granted | &nbsp;&nbsp;&nbsp;&nbsp;108 | 26 | &nbsp;&nbsp;&nbsp;&nbsp;220 | 315.4% | (50.9%) |
| Linked to securities | &nbsp;&nbsp;&nbsp;&nbsp;4784 | &nbsp;&nbsp;&nbsp;&nbsp;4137 | &nbsp;&nbsp;&nbsp;&nbsp;6394 | 15.6% | (25.2%) |
| **Fee expenses** | **70737** | **87389** | **81865** | **(19.1%)** | **(13.6%)** |
| (1) Includes results from Puntos BBVA royalty program pursuant to IFRS 15 regulation. |  |  |  |  |  |

---

Net fee income as of 3Q25 totaled $137.1 billion, increasing 37.5% QoQ and 46.3% YoY. The quarterly increase is explained both by higher income and a fall in expenses, in monetary and percentage terms.

In 3Q25, fee income totaled $207.8 billion, increasing 11.1% QoQ and 18.4% YoY. Improvement in fee income is explained almost exclusively by a notable increase in credit cards, mainly due to an alignment in price strategy.

For fee expenses, the total was $70.7 billion, showing a 19.1% drop from 2Q25 and 13.6% compared to 3Q24. This is mainly explained by the alignment of expenses on fees on credit and debit cards, and lower acquisition costs.

Net Income from Measurement of Financial Instruments at Fair Value and Foreign Exchange and Gold Gains/Losses

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NET INCOME FROM FINANCIAL INSTRUMENTS AT FAIR VALUE (FV) THROUGH P&L** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Net Income from financial instruments at FV through P&L** | **22611** | **49859** | **38653** | **(54.7%)** | **(41.5%)** |
| Income from government securities | 32137 | 42739 | 39220 | (24.8%) | (18.1%) |
| Income from private securities | 5087 | &nbsp;&nbsp;&nbsp;&nbsp;2977 | 99 | 70.9% | n.m |
| Interest rate swaps | (2642) | &nbsp;&nbsp;&nbsp;&nbsp;1271 | &nbsp;&nbsp;&nbsp;&nbsp;213 | &nbsp;&nbsp;&nbsp;&nbsp;(307.9%) | n.m |
| Income from foreign currency forward transactions | &nbsp;&nbsp;&nbsp;&nbsp;(11941) | &nbsp;&nbsp;&nbsp;&nbsp;2861 | (2269) | n.m | &nbsp;&nbsp;&nbsp;&nbsp;(426.3%) |
| Income from put option long position |  |  | &nbsp;&nbsp;&nbsp;&nbsp;886 | N/A | &nbsp;&nbsp;&nbsp;&nbsp;(100.0%) |
| Income from corporate bonds | (30) | 11 | &nbsp;&nbsp;&nbsp;&nbsp;504 | &nbsp;&nbsp;&nbsp;&nbsp;(372.7%) | &nbsp;&nbsp;&nbsp;&nbsp;(106.0%) |

---

In 3Q25, the net income from financial instruments at FV through P&L was $22.6 billion, a 54.7% decrease for the quarter and a 41.5% decrease compared to 3Q24.

The quarter's results are mainly due to a fall in income from foreign currency forward contracts, followed by a decrease in results from government securities.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.11 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **DIFFERENCES IN QUOTED PRICES OF GOLD AND FOREIGN FOREIGN CURRENCY** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Foreign exchange and gold gains/(losses) (1)** | **60653** | **57451** | **8777** | **5.6%** | **n.m** |
| From foreign exchange position | 3553 | 4105 | (12630) | (13.4%) | 128.1% |
| Income from purchase-sale of foreign currency | 57100 | 53346 | 21407 | 7.0% | 166.7% |
| **Net income from financial instruments at FV through P&L (2)** | **(11941)** | **2861** | **(2269)** | **n.m** | **(426.3%)** |
| Income from foreign currency forward transactions | (11941) | 2861 | &nbsp;&nbsp;&nbsp;&nbsp;(2269) | n.m | (426.3%) |
| **Total differences in quoted prices of gold & foreign currency (1) + (2)** | **48712** | **60312** | **6508** | **(19.2%)** | **n.m** |

---

In 3Q25, the net income from financial instruments at FV through P&L was $48.7 billion, a 19.2% ($11.6 billion) decrease for the quarter.

The quarter's results are mainly due to lower income from foreign currency forward contracts, offset by a better result in income from purchase-sale of foreign currency.

Other Operating Income

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **OTHER OPERATING INCOME** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Operating Income** | **71288** | **39834** | **38446** | **79.0%** | **85.4%** |
| Rental of safe deposit boxes (1) | &nbsp;&nbsp;&nbsp;&nbsp;9040 | &nbsp;&nbsp;&nbsp;&nbsp;8614 | &nbsp;&nbsp;&nbsp;&nbsp;7933 | &nbsp;&nbsp;&nbsp;&nbsp;4.9% | 14.0% |
| Adjustments and interest on miscellaneous receivables (1) | 11048 | &nbsp;&nbsp;&nbsp;&nbsp;9901 | &nbsp;&nbsp;&nbsp;&nbsp;8704 | 11.6% | 26.9% |
| Punitive interest (1) | &nbsp;&nbsp;&nbsp;&nbsp;6629 | &nbsp;&nbsp;&nbsp;&nbsp;6134 | &nbsp;&nbsp;&nbsp;&nbsp;2345 | &nbsp;&nbsp;&nbsp;&nbsp;8.1% | 182.7% |
| Loans recovered | &nbsp;&nbsp;&nbsp;&nbsp;6939 | &nbsp;&nbsp;&nbsp;&nbsp;3430 | &nbsp;&nbsp;&nbsp;&nbsp;3843 | 102.3% | 80.6% |
| Results from the sale of non-current assets held for sale |  |  | &nbsp;&nbsp;&nbsp;&nbsp;250 | N/A | &nbsp;&nbsp;&nbsp;&nbsp;(100.0%) |
| Fee income from credit and debit cards (1) | &nbsp;&nbsp;&nbsp;&nbsp;7043 | &nbsp;&nbsp;&nbsp;&nbsp;5750 | &nbsp;&nbsp;&nbsp;&nbsp;3657 | 22.5% | 92.6% |
| Fee expenses recovery | &nbsp;&nbsp;&nbsp;&nbsp;1667 | &nbsp;&nbsp;&nbsp;&nbsp;1695 | &nbsp;&nbsp;&nbsp;&nbsp;1372 | (1.7%) | 21.5% |
| Rents | &nbsp;&nbsp;&nbsp;&nbsp;2236 | &nbsp;&nbsp;&nbsp;&nbsp;2005 | &nbsp;&nbsp;&nbsp;&nbsp;1461 | 11.5% | 53.0% |
| Sindicated transaction fees | &nbsp;&nbsp;&nbsp;&nbsp;678 | &nbsp;&nbsp;&nbsp;&nbsp;259 | &nbsp;&nbsp;&nbsp;&nbsp;471 | 161.8% | 43.9% |
| Disaffected provisions | (121) | (1752) | &nbsp;&nbsp;&nbsp;&nbsp;1795 | 93.1% | &nbsp;&nbsp;&nbsp;&nbsp;(106.7%) |
| Other Operating Income(2) | 26129 | &nbsp;&nbsp;&nbsp;&nbsp;3798 | &nbsp;&nbsp;&nbsp;&nbsp;6615 | n.m | 295.0% |
| (1) Included in the efficiency ratio calculation |  |  |  |  |  |
| (2) Includes some of the concepts used in the efficiency ratio calculation |  |  |  |  |  |

---

In 3Q25, other operating income totaled $71.3 billion, growing 79.0% compared to 2Q25, and 85.4% or $32.8 billion compared to 3Q24. Despite several improvements such as a 4.9% increase in rental of safe deposit boxes, and a 102.3% increase in loans recovered, most part of the increase is explained by the other operating income line due to non recurrent concepts.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.12 |

---

Operating Expenses

Personnel Benefits & Administrative Expenses

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **PERSONNEL BENEFITS & ADMINISTRATIVE EXPENSES** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Total Personnel Benefits and Adminsitrative Expenses** | **293147** | **306715** | **295238** | **(4.4%)** | **(0.7%)** |
| **Personnel Benefits (1)** | **147208** | **150246** | **132734** | **(2.0%)** | **10.9%** |
| **Administrative expenses (1)** | **145939** | **156469** | **162504** | **(6.7%)** | **(10.2%)** |
| Travel expenses | &nbsp;&nbsp;&nbsp;&nbsp;1529 | &nbsp;&nbsp;&nbsp;&nbsp;1405 | &nbsp;&nbsp;&nbsp;&nbsp;1188 | &nbsp;&nbsp;&nbsp;&nbsp;8.8% | 28.7% |
| Outsourced administrative expenses | 23323 | 26509 | 32447 | (12.0%) | (28.1%) |
| Security services | &nbsp;&nbsp;&nbsp;&nbsp;6939 | &nbsp;&nbsp;&nbsp;&nbsp;6790 | &nbsp;&nbsp;&nbsp;&nbsp;4505 | &nbsp;&nbsp;&nbsp;&nbsp;2.2% | 54.0% |
| Fees to Bank Directors and Supervisory Committee | &nbsp;&nbsp;&nbsp;&nbsp;199 | &nbsp;&nbsp;&nbsp;&nbsp;245 | &nbsp;&nbsp;&nbsp;&nbsp;184 | (18.8%) | &nbsp;&nbsp;&nbsp;&nbsp;8.2% |
| Other fees | &nbsp;&nbsp;&nbsp;&nbsp;6730 | &nbsp;&nbsp;&nbsp;&nbsp;6553 | &nbsp;&nbsp;&nbsp;&nbsp;4505 | &nbsp;&nbsp;&nbsp;&nbsp;2.7% | 49.4% |
| Insurance | &nbsp;&nbsp;&nbsp;&nbsp;1264 | &nbsp;&nbsp;&nbsp;&nbsp;1299 | &nbsp;&nbsp;&nbsp;&nbsp;1721 | (2.7%) | (26.6%) |
| Rent | 17359 | 16882 | 13888 | &nbsp;&nbsp;&nbsp;&nbsp;2.8% | 25.0% |
| Stationery and supplies | &nbsp;&nbsp;&nbsp;&nbsp;105 | &nbsp;&nbsp;&nbsp;&nbsp;211 | &nbsp;&nbsp;&nbsp;&nbsp;259 | (50.2%) | (59.5%) |
| Electricity and communications | &nbsp;&nbsp;&nbsp;&nbsp;6705 | &nbsp;&nbsp;&nbsp;&nbsp;6113 | &nbsp;&nbsp;&nbsp;&nbsp;6330 | &nbsp;&nbsp;&nbsp;&nbsp;9.7% | &nbsp;&nbsp;&nbsp;&nbsp;5.9% |
| Advertising | 10070 | 12642 | &nbsp;&nbsp;&nbsp;&nbsp;9688 | (20.3%) | &nbsp;&nbsp;&nbsp;&nbsp;3.9% |
| Taxes | 21485 | 20353 | 33803 | &nbsp;&nbsp;&nbsp;&nbsp;5.6% | (36.4%) |
| Maintenance costs | 15440 | 14258 | 14170 | &nbsp;&nbsp;&nbsp;&nbsp;8.3% | &nbsp;&nbsp;&nbsp;&nbsp;9.0% |
| Armored transportation services | 11886 | 13560 | 15174 | (12.3%) | (21.7%) |
| Software | &nbsp;&nbsp;&nbsp;&nbsp;1870 | &nbsp;&nbsp;&nbsp;&nbsp;8529 | &nbsp;&nbsp;&nbsp;&nbsp;7112 | (78.1%) | (73.7%) |
| Document distribution | &nbsp;&nbsp;&nbsp;&nbsp;8541 | &nbsp;&nbsp;&nbsp;&nbsp;8447 | &nbsp;&nbsp;&nbsp;&nbsp;6559 | &nbsp;&nbsp;&nbsp;&nbsp;1.1% | 30.2% |
| Commercial reports | &nbsp;&nbsp;&nbsp;&nbsp;4610 | &nbsp;&nbsp;&nbsp;&nbsp;4787 | &nbsp;&nbsp;&nbsp;&nbsp;3666 | (3.7%) | 25.8% |
| Other administrative expenses | &nbsp;&nbsp;&nbsp;&nbsp;7884 | &nbsp;&nbsp;&nbsp;&nbsp;7886 | &nbsp;&nbsp;&nbsp;&nbsp;7305 | (0.0%) | &nbsp;&nbsp;&nbsp;&nbsp;7.9% |
| **Headcount\*** |  |  |  |  |  |
| BBVA (Bank) | &nbsp;&nbsp;&nbsp;&nbsp;6527 | &nbsp;&nbsp;&nbsp;&nbsp;6407 | &nbsp;&nbsp;&nbsp;&nbsp;6188 | &nbsp;&nbsp;&nbsp;&nbsp;120 | &nbsp;&nbsp;&nbsp;&nbsp;339 |
| Subsidiaries (2) | &nbsp;&nbsp;&nbsp;&nbsp;104 | &nbsp;&nbsp;&nbsp;&nbsp;102 | 90 | 2 | 14 |
| **Total employees\*** | **6631** | **6509** | **6278** | **122** | **353** |
| &nbsp;&nbsp;**In branches\*\*** | **2250** | **2250** | **2265** | **-** | **(15)** |
| &nbsp;&nbsp;**At Main office** | **4381** | **4259** | **4013** | **122** | **368** |
| **Total branches\*\*\*** | **234** | **234** | **239** | **-** | **(5)** |
| &nbsp;&nbsp;**Own** | **120** | **118** | **111** | **2** | **9** |
| &nbsp;&nbsp;**Rented** | **114** | **116** | **128** | **(2)** | **(14)** |
| **Efficiency Ratio** |  |  |  |  |  |
| Efficiency ratio | 57.6% | 56.5% | 59.5% | 112 pbs | &nbsp;&nbsp;&nbsp;&nbsp;(190)pbs |
| Accumulated Efficiency Ratio | 56.8% | 56.4% | 59.8% | 39 pbs | &nbsp;&nbsp;&nbsp;&nbsp;(296)pbs |
| (1) Concept included in the efficiency ratio calculation | (1) Concept included in the efficiency ratio calculation | (1) Concept included in the efficiency ratio calculation | (1) Concept included in the efficiency ratio calculation | (1) Concept included in the efficiency ratio calculation | (1) Concept included in the efficiency ratio calculation |
| (2) Includes BBVA Asset Management, PSA & VWFS. Employees included in Main Office. | (2) Includes BBVA Asset Management, PSA & VWFS. Employees included in Main Office. | (2) Includes BBVA Asset Management, PSA & VWFS. Employees included in Main Office. | (2) Includes BBVA Asset Management, PSA & VWFS. Employees included in Main Office. | (2) Includes BBVA Asset Management, PSA & VWFS. Employees included in Main Office. | (2) Includes BBVA Asset Management, PSA & VWFS. Employees included in Main Office. |
| \*Total effective employees, net of temporary contract employees. Expatriates excluded. | \*Total effective employees, net of temporary contract employees. Expatriates excluded. | \*Total effective employees, net of temporary contract employees. Expatriates excluded. | \*Total effective employees, net of temporary contract employees. Expatriates excluded. | \*Total effective employees, net of temporary contract employees. Expatriates excluded. | \*Total effective employees, net of temporary contract employees. Expatriates excluded. |
| \*\*Branch employees + Business Center managers | \*\*Branch employees + Business Center managers | \*\*Branch employees + Business Center managers | \*\*Branch employees + Business Center managers | \*\*Branch employees + Business Center managers | \*\*Branch employees + Business Center managers |
| \*\*\*Excludes administrative branches | \*\*\*Excludes administrative branches | \*\*\*Excludes administrative branches | \*\*\*Excludes administrative branches | \*\*\*Excludes administrative branches | \*\*\*Excludes administrative branches |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.13 |

---

As of 3Q25, personnel benefits and administrative expenses totaled $293.1 billion, showing a 4.4% ($13.6 billion) drop compared to 2Q25, and an 0.7% ($2.1 billion) decrease from 3Q24 in real terms.

Personnel benefits fell by 2.0% QoQ but increased by 10.9% YoY.

Regarding administrative expenses in 3Q25, they dropped 6.7% in the quarter and 10.2% compared to 3Q24. The quarterly savings are mainly due to proactive efficiency measures in (i) software, (ii) outsourced administrative expenses, (iii) advertising, and (iv) armored transportation. In the case of software, the decrease is due to a reestimation of expense provisions. For advertising and armored transportation, actions have been taken in the aim of improving efficiency.

The quarterly efficiency ratio as of 3Q25 was 57.6%, above the 56.5% from 2Q25 and improving versus the 59.5% recorded in 3Q24.

The accumulated efficiency ratio as of 3Q25 was 56.8%, above the 56.4% in 2Q25 and lower than the 59.8% in 3Q24. The improvement in the accumulated ratio versus the same period the prior year is explained by a fall in expenses, and an increase in income, especially income from fees, and a lower loss from net monetary results.

Other Operating Expenses

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **OTHER OPERATING EXPENSES** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Other Operating Expenses** | **176699** | **180185** | **100144** | **(1.9%)** | **76.4%** |
| Turnover tax (1) | 130234 | 116112 | 67724 | 12.2% | 92.3% |
| Initial loss of loans below market rate (1) | 22746 | 25936 | &nbsp;&nbsp;&nbsp;&nbsp;7520 | (12.3%) | 202.5% |
| Contribution to the Deposit Guarantee Fund (SEDESA) (1) | &nbsp;&nbsp;&nbsp;&nbsp;5710 | &nbsp;&nbsp;&nbsp;&nbsp;5214 | &nbsp;&nbsp;&nbsp;&nbsp;3307 | &nbsp;&nbsp;&nbsp;&nbsp;9.5% | 72.7% |
| Interest on liabilities from financial lease | &nbsp;&nbsp;&nbsp;&nbsp;1166 | &nbsp;&nbsp;&nbsp;&nbsp;1061 | &nbsp;&nbsp;&nbsp;&nbsp;1314 | &nbsp;&nbsp;&nbsp;&nbsp;9.9% | (11.3%) |
| Other allowances | (8106) | 13411 | &nbsp;&nbsp;&nbsp;&nbsp;7326 | &nbsp;&nbsp;&nbsp;&nbsp;(160.4%) | &nbsp;&nbsp;&nbsp;&nbsp;(210.6%) |
| Loss for sale or devaluation of investment properties and other non-financial assets | &nbsp;&nbsp;&nbsp;&nbsp;1460 | &nbsp;&nbsp;&nbsp;&nbsp;523 |  | 179.2% | N/A |
| Claims | &nbsp;&nbsp;&nbsp;&nbsp;4186 | &nbsp;&nbsp;&nbsp;&nbsp;4948 | &nbsp;&nbsp;&nbsp;&nbsp;1826 | (15.4%) | 129.2% |
| Other operating expenses (2) | 19303 | 12980 | 11127 | 48.7% | 73.5% |
| (1) Concept included for the calculation of the efficiency ratio | (1) Concept included for the calculation of the efficiency ratio | (1) Concept included for the calculation of the efficiency ratio | (1) Concept included for the calculation of the efficiency ratio | (1) Concept included for the calculation of the efficiency ratio | (1) Concept included for the calculation of the efficiency ratio |
| (2) Considers some concepts included for the acalculation of the efficiency ratio | (2) Considers some concepts included for the acalculation of the efficiency ratio | (2) Considers some concepts included for the acalculation of the efficiency ratio | (2) Considers some concepts included for the acalculation of the efficiency ratio | (2) Considers some concepts included for the acalculation of the efficiency ratio | (2) Considers some concepts included for the acalculation of the efficiency ratio |

---

In 3Q25, other operating expenses totaled $176.7 billion, a decrease of 1.9% for the quarter, and increasing 76.4% compared to 3Q24.

The fall is mainly explained by a 160.4% decrease in the other allowances line, related to lower expenses on contingent lines, with a lower volume in the quarter. This was offset by a 12.2% increase in turnover tax, explained by increases in interest rates.

Income from Associates

In 3Q25, the results from associates item, which represents the earnings from non-consolidated companies, showed a gain of $3.2 billion. This was mainly due to the Bank's equity stakes in BBVA Seguros Argentina S.A., Rombo Compañía Financiera S.A., Interbanking S.A., Play Digital S.A., and Openpay Argentina S.A.

Income Tax

The accumulated income tax for the first nine months of 2025 showed a loss of $111.8 billion. The accumulated income tax for the first nine months of 2024 registered a loss of $171.1 billion.

The accumulated effective tax rate for the first nine months of 2025 was 37%, while in 2024 it was 32% .

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.14 |

---

Balance Sheet and Activity

Préstamos y otras financiaciones

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOANS AND OTHER FINANCING** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| To the public sector | &nbsp;&nbsp;&nbsp;&nbsp;3718 | 3928 | 2667 | (5.3%) | 39.4% |
| To the financial sector | 208101 | 155941 | &nbsp;&nbsp;&nbsp;&nbsp;57053 | 33.4% | 264.8% |
| **Non-financial private sector and residents abroad** | **12782237** | **11984115** | **7234059** | **6.7%** | **76.7%** |
| **Non-financial private sector and residents abroad - AR$** | **9702609** | **9529735** | **6126614** | **1.8%** | **58.4%** |
| Overdrafts | 1098440 | 1249450 | 633749 | (12.1%) | 73.3% |
| Discounted instruments | 2229077 | 2207215 | 1714953 | &nbsp;&nbsp;&nbsp;&nbsp;1.0% | 30.0% |
| Mortgage loans | 531938 | 454399 | 237011 | 17.1% | 124.4% |
| Pledge loans | 510937 | 340343 | 165130 | 50.1% | 209.4% |
| Consumer loans | 1361483 | 1361480 | 768267 | &nbsp;&nbsp;&nbsp;&nbsp;0.0% | 77.2% |
| Credit cards | 2799492 | 2659821 | 1934317 | &nbsp;&nbsp;&nbsp;&nbsp;5.3% | 44.7% |
| Receivables from financial leases | 33213 | &nbsp;&nbsp;&nbsp;&nbsp;30899 | &nbsp;&nbsp;&nbsp;&nbsp;25288 | &nbsp;&nbsp;&nbsp;&nbsp;7.5% | 31.3% |
| Loans to personnel | 111342 | &nbsp;&nbsp;&nbsp;&nbsp;91906 | &nbsp;&nbsp;&nbsp;&nbsp;38155 | 21.1% | 191.8% |
| Other loans | 1026687 | 1134222 | 609744 | (9.5%) | 68.4% |
| **Non-financial private sector and residents abroad - Foreign Currency** | **3079628** | **2454380** | **1107445** | **25.5%** | **178.1%** |
| Overdrafts | 17 | 30 | 15 | (43.3%) | 13.3% |
| Discounted instruments | 211600 | &nbsp;&nbsp;&nbsp;&nbsp;93577 | &nbsp;&nbsp;&nbsp;&nbsp;56044 | 126.1% | 277.6% |
| Credit cards | 164346 | 115322 | &nbsp;&nbsp;&nbsp;&nbsp;62360 | 42.5% | 163.5% |
| Receivables from financial leases | &nbsp;&nbsp;&nbsp;&nbsp;3692 | 2393 | 699 | 54.3% | 428.2% |
| Loans for the prefinancing and financing of exports | 2018924 | 1835907 | 676517 | 10.0% | 198.4% |
| Other loans | 681049 | 407151 | 311810 | 67.3% | 118.4% |
| **% of total loans to Private sector in AR$** | **75.9%** | **79.5%** | **84.7%** | **(361)pbs** | **(878)pbs** |
| **% of total loans to Private sector in Foreign Currency** | **24.1%** | **20.5%** | **15.3%** | **361 pbs** | **878 pbs** |
| % of mortgage loans with UVA adjustments / Total mortgage loans (1) | 98.7% | 98.5% | 66.9% | 20 pbs | 3,187 pbs |
| % of pledge loans with UVA adjustments / Total pledge loans (1) | 13.8% | 16.0% | 4.0% | &nbsp;&nbsp;&nbsp;&nbsp;(225)pbs | 978 pbs |
| % of consumer loans with UVA adjustments / Total consumer loans (1) | 0.0% | 0.0% | 0.0% | (0)pbs | (0)pbs |
| % of loans with UVA adjustments / Total loans and other financing(1) | 3.8% | 3.0% | 0.2% | 84 pbs | 358 pbs |
| **Total loans and other financing** | **12994056** | **12143984** | **7293779** | **7.0%** | **78.2%** |
| Allowances | &nbsp;&nbsp;&nbsp;&nbsp;(433059) | (324479) | (136244) | (33.5%) | &nbsp;&nbsp;&nbsp;&nbsp;(217.9%) |
| **Total net loans and other financing** | **12560997** | **11819505** | **7157535** | **6.3%** | **75.5%** |
| (1) Excludes effect of accrued interests adjustments. |  |  |  |  |  |
| **Total loans / Total Deposits** | **84.6%** | **88.0%** | **64.9%** | **(336)pbs** | **2,307 pbs** |
| **Private Loans/Private Deposits ARS** | **98.6%** | **103.6%** | **90.5%** | **(505)pbs** | **1,316 pbs** |
| **Private Loans/Private Deposits USD** | **59.1%** | **55.0%** | **26.1%** | **417 pbs** | **2,885 pbs** |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.15 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOANS AND OTHER FINANCING TO NON-FINANCIAL PRIVATE SECTOR AND RESIDENTS ABROAD IN FOREIGN CURRENCY** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of USD** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| FX rate\* | 1366.56 | 1194.08 | 970.92 | &nbsp;&nbsp;&nbsp;&nbsp;14.4% | &nbsp;&nbsp;&nbsp;&nbsp;40.7% |
| Non-financial private sector and residents abroad - Foreign Currency (USD) | 2254 | 1940 | 866 | &nbsp;&nbsp;&nbsp;&nbsp;16.2% | 160.3% |
| \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. |

---

As of 3Q25, the private loan portfolio totaled $12.8 trillion, an increase of 6.7% for the quarter, and 76.7% compared to 3Q24.

Growth in private loans was mainly driven by growth in loans in foreign currency, boosted by commercial lending, mainly prefinancing and financing of exports, and other loans, which include investment project loans and an end-of-period position in correspondent banks.

On the peso portfolio, pledge loans stood out, partially affected by an accounting reclassification done by the JV companies from other loans (which dropped 9.5%) to the pledge loan line. In the case of consumer loans, prudency policies taken in a context of higher deterioration of non performing loans, were noticeable on this line with 0% growth. Overdrafts fell 12.1% driven by the rapid increase in interest rates mentioned previously.

In 3Q25, total loans and other financing totaled $12.6 trillion, with a 6.3% QoQ increase and a 75.5% YoY increase.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOANS AND OTHER FINANCING** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Non-financial private sector and residents abroad - Retail** | **5479538** | **5023271** | **3205240** | **9.1%** | **71.0%** |
| Mortgage loans | &nbsp;&nbsp;&nbsp;&nbsp;531938 | 454399 | 237011 | 17.1% | 124.4% |
| Pledge loans | &nbsp;&nbsp;&nbsp;&nbsp;510937 | 340343 | 165130 | 50.1% | 209.4% |
| Consumer loans | &nbsp;&nbsp;&nbsp;&nbsp;1361483 | 1361480 | 768267 | &nbsp;&nbsp;&nbsp;&nbsp;0.0% | 77.2% |
| Credit cards | &nbsp;&nbsp;&nbsp;&nbsp;2963838 | 2775143 | 1996677 | &nbsp;&nbsp;&nbsp;&nbsp;6.8% | 48.4% |
| Loans to personnel | &nbsp;&nbsp;&nbsp;&nbsp;111342 | 91906 | &nbsp;&nbsp;&nbsp;&nbsp;38155 | 21.1% | 191.8% |
| **Non-financial private sector and residents abroad - Commercial** | **7302699** | **6960844** | **4028819** | **4.9%** | **81.3%** |
| Overdrafts | &nbsp;&nbsp;&nbsp;&nbsp;1098457 | 1249480 | 633764 | (12.1%) | 73.3% |
| Discounted instruments | &nbsp;&nbsp;&nbsp;&nbsp;2440677 | 2300792 | 1770997 | &nbsp;&nbsp;&nbsp;&nbsp;6.1% | 37.8% |
| Receivables from financial leases | 36905 | 33292 | &nbsp;&nbsp;&nbsp;&nbsp;25987 | 10.9% | 42.0% |
| Loans for the prefinancing and financing of exports | &nbsp;&nbsp;&nbsp;&nbsp;2018924 | 1835907 | 676517 | 10.0% | 198.4% |
| Other loans | &nbsp;&nbsp;&nbsp;&nbsp;1707736 | 1541373 | 921554 | 10.8% | 85.3% |
| **% of total loans to Retail sector** | **42.9%** | **41.9%** | **44.3%** | **95 pbs** | **(144)pbs** |
| **% of total loans to Commercial sector** | **57.1%** | **58.1%** | **55.7%** | **(95)pbs** | **144 pbs** |

---

After years of commercial segment growth over retail, the sudden increase in interest rates took a toll on commercial loan demand, which tends to be more sensitive to changes in interest rate movements, making the commercial loan book slightly fall versus retail in the portfolio mix.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOANS AND OTHER FINANCING - NON RESTATED FIGURES** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Non-financial private sector and residents abroad - Retail | &nbsp;&nbsp;&nbsp;&nbsp;5479538 | &nbsp;&nbsp;&nbsp;&nbsp;4740367 | &nbsp;&nbsp;&nbsp;&nbsp;2432691 | &nbsp;&nbsp;&nbsp;&nbsp;15.6% | 125.2% |
| Non-financial private sector and residents abroad - Commercial | &nbsp;&nbsp;&nbsp;&nbsp;7302699 | &nbsp;&nbsp;&nbsp;&nbsp;5265444 | &nbsp;&nbsp;&nbsp;&nbsp;3057767 | &nbsp;&nbsp;&nbsp;&nbsp;38.7% | 138.8% |
| Total loans and other financing (1) | 12994056 | 11460046 | &nbsp;&nbsp;&nbsp;&nbsp;5535784 | &nbsp;&nbsp;&nbsp;&nbsp;13.4% | 134.7% |
| (1) Does not include allowances |  |  |  |  |  |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.16 |

---

In nominal terms, BBVA Argentina managed to increase its retail, commercial, and total loan portfolios by 15.6%, 38.7%, and 13.4% respectively for the quarter, outperforming inflation in all cases.

The share of total loans to assets is 57%, compared to 58% in 2Q25 and 43% in 3Q24, demonstrating lower exposure to the public sector and aligning with real growth in loan demand.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MARKET SHARE - PRIVATE SECTOR LOANS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In %** |  |  |  | **∆ bps** | **∆ bps** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Private sector loans - Bank | 10.33% | 10.56% | 9.74% | &nbsp;&nbsp;&nbsp;&nbsp;(23)pbs | 59 pbs |
| Private sector loans - Consolidated\* | 11.39% | 11.59% | 10.58% | &nbsp;&nbsp;&nbsp;&nbsp;(20)pbs | 81 pbs |
| Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements |
| \* Consolidates PSA, VWFS & Rombo |  |  |  |  |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOANS BY ECONOMIC ACTIVITY** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **% over total gross loans and other financing** |  |  |  | **∆ bps** | **∆ bps** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Government services | 0.00% | 0.00% | 0.00% | n.m | n.m. |
| Non-financial public sector | 0.03% | 0.03% | 0.04% | (0)pbs | n.m. |
| Financial Sector | 1.60% | 1.28% | 0.78% | 32 pbs | 82 pbs |
| Agricultural and Livestock | 6.38% | 5.40% | 4.77% | 99 pbs | 162 pbs |
| Mining products | 4.78% | 4.33% | 4.23% | 44 pbs | 54 pbs |
| Other manufacturing | 12.74% | 13.21% | 11.55% | (46)pbs | 120 pbs |
| Electricity, oil,water and sanitary services | 2.78% | 2.17% | 1.16% | 61 pbs | 162 pbs |
| Wholesale and retail trade | 8.30% | 9.21% | 7.97% | (91)pbs | 32 pbs |
| Transport | 1.68% | 1.59% | 1.39% | &nbsp;&nbsp;&nbsp;&nbsp;9 pbs | 29 pbs |
| Services | 2.30% | 2.09% | 1.17% | 20 pbs | 113 pbs |
| Others | 11.73% | 20.63% | 17.22% | &nbsp;&nbsp;&nbsp;&nbsp;(890)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(549)pbs |
| Construction | 0.58% | 0.63% | 0.64% | (5)pbs | (6)pbs |
| Consumer | 47.09% | 39.42% | 49.07% | 767 pbs | &nbsp;&nbsp;&nbsp;&nbsp;(197)pbs |
| **Total gross loans and other financing** | **100%** | **100%** | **100%** |  |  |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.17 |

---

Asset Quality

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **ASSET QUALITY** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Commercial non-performing portfolio (1) | 5900 | 5418 | 4778 | 8.9% | 23.5% |
| Total commercial portfolio | &nbsp;&nbsp;&nbsp;&nbsp;5768280 | &nbsp;&nbsp;&nbsp;&nbsp;5500029 | &nbsp;&nbsp;&nbsp;&nbsp;3175717 | 4.9% | 81.6% |
| **Commercial non-performing portfolio / Total commercial portfolio** | **0.10%** | **0.10%** | **0.15%** | **0 pbs** | **(5)pbs** |
| Retail non-performing portfolio (1) | &nbsp;&nbsp;&nbsp;&nbsp;427257 | &nbsp;&nbsp;&nbsp;&nbsp;276377 | 84280 | 54.6% | &nbsp;&nbsp;&nbsp;&nbsp;406.9% |
| Total retail portfolio | &nbsp;&nbsp;&nbsp;&nbsp;7456462 | &nbsp;&nbsp;&nbsp;&nbsp;6836141 | &nbsp;&nbsp;&nbsp;&nbsp;4373699 | 9.1% | 70.5% |
| **Retail non-performing portfolio / Total retail portfolio** | **5.73%** | **4.04%** | **1.93%** | **169 pbs** | **380 pbs** |
| Total non-performing portfolio (1) | &nbsp;&nbsp;&nbsp;&nbsp;433157 | &nbsp;&nbsp;&nbsp;&nbsp;281795 | 89058 | 53.7% | &nbsp;&nbsp;&nbsp;&nbsp;386.4% |
| Total portfolio | 13224742 | 12336170 | &nbsp;&nbsp;&nbsp;&nbsp;7549416 | 7.2% | 75.2% |
| **Total non-performing portfolio / Total portfolio** | **3.28%** | **2.28%** | **1.18%** | **99 pbs** | **210 pbs** |
| Allowances | &nbsp;&nbsp;&nbsp;&nbsp;433059 | &nbsp;&nbsp;&nbsp;&nbsp;324479 | &nbsp;&nbsp;&nbsp;&nbsp;136244 | 33.5% | &nbsp;&nbsp;&nbsp;&nbsp;217.9% |
| **Allowances /Total non-performing portfolio** | **99.98%** | **115.15%** | **152.98%** | **(1517)pbs** | **(5301)pbs** |
| Quarterly change in Write-offs | 62823 | 40805 | 17866 | 54.0% | &nbsp;&nbsp;&nbsp;&nbsp;251.6% |
| **Write offs / Total portfolio** | **0.48%** | **0.33%** | **0.24%** | **14 pbs** | **24 pbs** |
| **Cost of Risk (CoR)** | **6.63%** | **5.44%** | **3.31%** | **119 pbs** | **332 pbs** |
| (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system |
| (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system | (1) Non-performing loans include: all loans to borrowers classified as "Deficient Servicing (Stage 3)", "High Insolvency Risk (Stage 4)", "Irrecoverable" and/or "Irrecoverable for Technical Decision" (Stage 5) according to BCRA debtor classification system |

---

In 3Q25, the NPL ratio (total non-performing portfolio/total portfolio) rose from 2.28% to 3.28%. This was due to an increase in the non-performing retail portfolio, reflecting a deterioration in non-performing credit card and consumer loans, which aligns with the overall systemic trend. Commercial non-performing loans, however, showed very good performance, remaining in 0.10%.

Additionally, the coverage ratio (allowances/non-performing portfolio) reached 99.98% in 3Q25, down from 115.15% in 2Q25. In spite of the increase in the non performing loan portfolio, the bank continues to show an adequate level of provisioning to face arrears.

The cost of risk (loan loss allowances/average total loans) reached 6.63% in 3Q25, up from 5.44% in 2Q25. The increase is partly a result of a real rise in the change in provisions, and higher loan loss allowances, while the portfolio grew moderately.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **ANALYSIS FOR THE ALLOWANCE OF LOAN LOSSES** |  | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$** |  |  |  |  |  |  |
|  | **Balance at 12/31/2024** | **Stage 1** | **Stage 2** | **Stage 3** | **Monetary result generated by allowances** | **Balance at 09/30/2025** |
| Other financial assets | &nbsp;&nbsp;&nbsp;&nbsp;2079 | (198) | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;548 | &nbsp;&nbsp;&nbsp;&nbsp;(290) | 2139 |
| Loans and other financing | 182823 | &nbsp;&nbsp;&nbsp;&nbsp;6769 | 21785 | 126655 | (31827) | 306205 |
| Other debt securities | &nbsp;&nbsp;&nbsp;&nbsp;181 | (60) | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | (19) | 102 |
| Eventual commitments | 26219 | &nbsp;&nbsp;&nbsp;&nbsp;8772 | &nbsp;&nbsp;&nbsp;&nbsp;2608 | &nbsp;&nbsp;&nbsp;&nbsp;117 | &nbsp;&nbsp;&nbsp;&nbsp;(3758) | 33958 |
| **Total allowances** | **211302** | **15283** | **24393** | **127320** | **(35894)** | **342404** |
| Note: to be consistent with Financial Statements, it must be recorded from the beginning of the year instead of the quarter | Note: to be consistent with Financial Statements, it must be recorded from the beginning of the year instead of the quarter | Note: to be consistent with Financial Statements, it must be recorded from the beginning of the year instead of the quarter | Note: to be consistent with Financial Statements, it must be recorded from the beginning of the year instead of the quarter | Note: to be consistent with Financial Statements, it must be recorded from the beginning of the year instead of the quarter | Note: to be consistent with Financial Statements, it must be recorded from the beginning of the year instead of the quarter |  |

---

Allowances for the Bank in 3Q25 reflect expected losses driven by the adoption of the IFRS 9 standards as of January 1, 2020, except for debt instruments issued by the nonfinancial government sector which were excluded from the scope of such standard.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.18 |

---

**Public Sector Exposure**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NET PUBLIC DEBT EXPOSURE\*** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Treasury and National Government** | **334603** | **660808** | **109231** | **(49.4%)** | **206.3%** |
| National Treasury Public Debt in AR$ | 102693 | 310489 | 107465 | (66.9%) | &nbsp;&nbsp;&nbsp;&nbsp;(4.4%) |
| National Treasury Public Debt CPI-linked | 761 | &nbsp;&nbsp;&nbsp;&nbsp;13749 | 1569 | (94.5%) | (51.5%) |
| National Treasury Public Debt - Dual TAMAR AR$ | 538 | &nbsp;&nbsp;&nbsp;&nbsp;32194 |  | (98.3%) | N/A |
| National Treasury Public Debt in USD | 58 | 66 | 197 | (12.1%) | (70.6%) |
| National Treasury Public Debt in ARS, USD-linked | 230553 | 136084 |  | 69.4% | N/A |
| LEFIs |  | 168226 |  | (100.0%) | N/A |
| **BCRA** | **-** | **745** | **-** | **(100.0%)** | **N/A** |
| BOPREAL |  | 745 |  | (100.0%) | N/A |
| **Public securities at FV through P&L** | **334603** | **661553** | **109231** | **(49.4%)** | **206.3%** |
| **Treasury and National Government** | **847951** | **79926** | **253317** | **n.m** | **234.7%** |
| National Treasury Public Debt in AR$ | 831024 | &nbsp;&nbsp;&nbsp;&nbsp;10990 | &nbsp;&nbsp;&nbsp;&nbsp;18309 | n.m | n.m |
| National Treasury Public Debt CPI-linked | &nbsp;&nbsp;&nbsp;&nbsp;16927 | &nbsp;&nbsp;&nbsp;&nbsp;68936 | 235008 | (75.4%) | (92.8%) |
| **BCRA** | **-** | **-** | **15287** | **N/A** | **(100.0%)** |
| LEDIV\*\* |  |  | &nbsp;&nbsp;&nbsp;&nbsp;15287 | N/A | (100.0%) |
| **Public securities at Amortized Cost** | **847951** | **79926** | **268604** | **n.m** | **215.7%** |
| **Treasury and National Government** | **2452388** | **2478137** | **3106716** | **(1.0%)** | **(21.1%)** |
| National Treasury Public Debt in AR$ | 237553 | 315824 | 1626739 | (24.8%) | (85.4%) |
| National Treasury Public Debt CPI-linked | 1240970 | 1167036 | 1479977 | 6.3% | (16.1%) |
| National Treasury Public Debt - Dual TAMAR AR$ | 870145 | 891622 |  | &nbsp;&nbsp;&nbsp;&nbsp;(2.4%) | N/A |
| National Treasury Public Debt in USD | 103720 | 103655 |  | 0.1% | N/A |
| **BCRA** | **38118** | **34818** | **46842** | **9.5%** | **(18.6%)** |
| BOPREAL | &nbsp;&nbsp;&nbsp;&nbsp;38118 | &nbsp;&nbsp;&nbsp;&nbsp;34818 | &nbsp;&nbsp;&nbsp;&nbsp;46842 | 9.5% | (18.6%) |
| **Public securities at FV through OCI** | **2490506** | **2512955** | **3153558** | **(0.9%)** | **(21.0%)** |
| **Total Public securities** | **3673060** | **3254434** | **3531393** | **12.9%** | **4.0%** |
| Loans to the non-financial public sector | 3718 | 3928 | 2667 | &nbsp;&nbsp;&nbsp;&nbsp;(5.3%) | 39.4% |
| Loans to the Central Bank |  |  |  | N/A | N/A |
| **Total loans to the public sector** | **3718** | **3928** | **2667** | **(5.3%)** | **39.4%** |
| **Total public sector exposure** | **3676778** | **3258362** | **3534060** | **12.8%** | **4.0%** |
| **Public sector exposure (Excl. BCRA)** | **3638660** | **3222799** | **3471931** | **12.9%** | **4.8%** |
| **% Public sector exposure (Excl. BCRA) / Assets** | **16.4%** | **15.8%** | **21.0%** | **63 pbs** | **(458)pbs** |
| \*Deposits at the Central Bank used to comply with reserve requirements not included. Includes assets used as collateral. | \*Deposits at the Central Bank used to comply with reserve requirements not included. Includes assets used as collateral. | \*Deposits at the Central Bank used to comply with reserve requirements not included. Includes assets used as collateral. | \*Deposits at the Central Bank used to comply with reserve requirements not included. Includes assets used as collateral. | \*Deposits at the Central Bank used to comply with reserve requirements not included. Includes assets used as collateral. | \*Deposits at the Central Bank used to comply with reserve requirements not included. Includes assets used as collateral. |
| \*\*Securities denominated in foreign currency | \*\*Securities denominated in foreign currency | \*\*Securities denominated in foreign currency | \*\*Securities denominated in foreign currency | \*\*Securities denominated in foreign currency | \*\*Securities denominated in foreign currency |

---

In 3Q25, the total public sector exposure, excluding exposure to the Central Bank (BCRA), was $3.6 trillion, an increase of 12.9% QoQ and of 4.8% YoY. The QoQ increase is mainly due to a higher position in securities at amortized cost, related to higher reserve requirements in kind during the quarter. 97% of these securities correspond to TAMAR bonds.

It should be noted that LEFIs were cancelled completely in July on the side of the National Treasury, leaving the final position at 0.

The exposure to the public sector, excluding BCRA exposure, represents 16.8% of total assets, above the 15.8% in 2Q25 and below the 21.0% in 3Q24, in line with the progress of lending activity.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.19 |

---

Deposits

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **TOTAL DEPOSITS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Total deposits** | **15356769** | **13804047** | **11238505** | **11.2%** | **36.6%** |
| Non-financial Public Sector | 301642 | 133617 | 223862 | &nbsp;&nbsp;&nbsp;&nbsp;125.8% | 34.7% |
| Financial Sector | 7195 | &nbsp;&nbsp;&nbsp;&nbsp;10483 | 3462 | (31.4%) | 107.8% |
| **Non-financial private sector and residents abroad** | **15047932** | **13659947** | **11011181** | **10.2%** | **36.7%** |
| **Non-financial private sector and residents abroad - AR$** | **9840840** | **9194993** | **6770965** | **7.0%** | **45.3%** |
| Checking accounts\* | 2536710 | 2358295 | 2058157 | 7.6% | 23.3% |
| Savings accounts\*\* | 1572636 | 1721811 | 1390983 | &nbsp;&nbsp;&nbsp;&nbsp;(8.7%) | 13.1% |
| Time deposits | 5674113 | 4718268 | 3056612 | 20.3% | 85.6% |
| Investment accounts \*\*\* | 5650 | 349830 | 221873 | (98.4%) | &nbsp;&nbsp;&nbsp;&nbsp;(97.5%) |
| Other | &nbsp;&nbsp;&nbsp;&nbsp;51731 | &nbsp;&nbsp;&nbsp;&nbsp;46789 | &nbsp;&nbsp;&nbsp;&nbsp;43340 | 10.6% | 19.4% |
| **Non-financial private sector and res. abroad - Foreign Currency** | **5207092** | **4464954** | **4240216** | **16.6%** | **22.8%** |
| Checking accounts\* | 998 | 1002 | 896 | &nbsp;&nbsp;&nbsp;&nbsp;(0.4%) | 11.4% |
| Savings accounts\*\* | 4368905 | 4035093 | 3988702 | 8.3% | &nbsp;&nbsp;&nbsp;&nbsp;9.5% |
| Time deposits | 825841 | 415958 | 237693 | 98.5% | 247.4% |
| Other | &nbsp;&nbsp;&nbsp;&nbsp;11348 | &nbsp;&nbsp;&nbsp;&nbsp;12901 | &nbsp;&nbsp;&nbsp;&nbsp;12925 | (12.0%) | &nbsp;&nbsp;&nbsp;&nbsp;(12.2%) |
| **% of total portfolio in the private sector in AR$** | **65.4%** | **67.3%** | **61.5%** | **(192)pbs** | **390 pbs** |
| **% of total portfolio in the private sector in Foregin Currency** | **34.6%** | **32.7%** | **38.5%** | **192 pbs** | **(390)pbs** |
| **% of UVA Time deposits & Investment accounts / Total AR$ Time deposits & Investment accounts** | **0.3%** | **0.8%** | **2.3%** | **(52)pbs** | **(195)pbs** |
| \*Includes interest-bearing checking accounts |  |  |  |  |  |
| \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts |
| \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **DEPOSITS TO THE NON-FINANCIAL PRIVATE SECTOR AND RES. ABROAD IN FOREIGN CURRENCY** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of USD** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| FX rate\* | 1366.56 | 1194.08 | 970.92 | &nbsp;&nbsp;&nbsp;&nbsp;14.4% | &nbsp;&nbsp;&nbsp;&nbsp;40.7% |
| Non-financial private sector and residents abroad - Foreign Currency (USD) | 3810 | 3529 | 3315 | 8.0% | &nbsp;&nbsp;&nbsp;&nbsp;14.9% |
| \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. |

---

During 3Q25, total deposits reached $15.4 trillion, increasing 11.2% QoQ, and 36.6% YoY.

Total private sector deposits in 3Q25 reached $15.0 trillion, marking an increase of 10.2% from 2Q25 and 36.7% from 3Q24.

Private non-financial sector deposits in pesos totaled $9.8 trillion, an increase of 7.0% compared to 2Q25 and 45.3% YoY. The QoQ variation is explained by (i) a 20.3% increase in time deposits,and (ii) a 7.6% increase in interest-bearing checking accounts. This effect was negatively offset by a 98.4% drop in investment accounts.

Private non-financial sector deposits in foreign currency, expressed in pesos, increased by 16.6% QoQ and 22.8% YoY. This is mainly due to a 98.5% increase in time deposits (mainly investments from funds), followed by an 8.3% increase in savings accounts. Foreign currency deposits expressed in USD increased by 8.0%.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.20 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **PRIVATE DEPOSITS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Non-financial private sector and residents abroad** | **15047932** | **13659947** | **11011181** | **10.2%** | **36.7%** |
| **Sight deposits** | **8542328** | **8175891** | **7495003** | **4.5%** | **14.0%** |
| Checking accounts\* | 2537708 | 2359297 | 2059053 | &nbsp;&nbsp;&nbsp;&nbsp;7.6% | 23.2% |
| Savings accounts\*\* | 5941541 | 5756904 | 5379685 | &nbsp;&nbsp;&nbsp;&nbsp;3.2% | 10.4% |
| Other | &nbsp;&nbsp;&nbsp;&nbsp;63079 | &nbsp;&nbsp;&nbsp;&nbsp;59690 | &nbsp;&nbsp;&nbsp;&nbsp;56265 | &nbsp;&nbsp;&nbsp;&nbsp;5.7% | 12.1% |
| **Time deposits** | **6505604** | **5484056** | **3516178** | **18.6%** | **85.0%** |
| Time deposits | 6499954 | 5134226 | 3294305 | 26.6% | 97.3% |
| Investment accounts\*\*\* | 5650 | 349830 | 221873 | &nbsp;&nbsp;&nbsp;&nbsp;(98.4%) | &nbsp;&nbsp;&nbsp;&nbsp;(97.5%) |
| **% of sight deposits over total private deposits** | **57.6%** | **60.3%** | **68.7%** | **(264)pbs** | **(1108)pbs** |
| **% of time deposits over total private deposits** | **42.4%** | **39.7%** | **31.3%** | **264 pbs** | **1,108 pbs** |
| \*Includes interest-bearing checking accounts | \*Includes interest-bearing checking accounts | \*Includes interest-bearing checking accounts | \*Includes interest-bearing checking accounts | \*Includes interest-bearing checking accounts | \*Includes interest-bearing checking accounts |
| \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts | \*\*Includes special checking accounts |
| \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits | \*\*\*Refers to callable time deposits |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **PRIVATE DEPOSITS - NON RESTATED FIGURES** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Sight deposits | 8542328 | 7715430 | 5688509 | 10.7% | &nbsp;&nbsp;&nbsp;&nbsp;50.2% |
| Time deposits | 6505604 | 5175201 | 2668686 | 25.7% | 143.8% |
| Total deposits | &nbsp;&nbsp;&nbsp;&nbsp;15047932 | &nbsp;&nbsp;&nbsp;&nbsp;12890631 | 8357195 | 16.7% | &nbsp;&nbsp;&nbsp;&nbsp;80.1% |

---

In nominal terms, BBVA Argentina managed to increase sight deposits, time deposits, and total deposits by 10.7%, 25.7%, and 16.7% respectively, surpassing quarterly inflation in every case.

As of 3Q25, the Bank's transactional deposits (checking and savings accounts) accounted for 55.2% of total private non-financial deposits, totaling $8.8 trillion, compared to 58.8% in 2Q25.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MARKET SHARE - PRIVATE SECTOR DEPOSITS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In %** |  |  |  | **∆ bps** | **∆ bps** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Private sector Deposits - Consolidated\* | 10.09% | 9.65% | 8.53% | &nbsp;&nbsp;&nbsp;&nbsp;44 pbs | 156 pbs |
| Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements | Based on daily BCRA information. Capital balance as of the last day of each quarter. There may be differences generated by the gap between the siscen BCRA information and published financial statements |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.21 |

---

Other Source of Funds

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **OTHER SOURCES OF FUNDS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Other sources of funds** | **4227581** | **3957714** | **3440290** | **6.8%** | **22.9%** |
| Central Bank | 989 | 412 | &nbsp;&nbsp;&nbsp;&nbsp;179 | 140.0% | 452.5% |
| Banks and international organizations | 190698 | &nbsp;&nbsp;&nbsp;&nbsp;70477 | 55882 | 170.6% | 241.3% |
| Financing received from local financial institutions | 345067 | 318570 | 187696 | &nbsp;&nbsp;&nbsp;&nbsp;8.3% | 83.8% |
| REPOs | 300565 |  |  | N/A | N/A |
| Corporate bonds | 407588 | 457985 | 47022 | (11.0%) | n.m |
| Equity | 2982674 | 3110270 | 3149511 | (4.1%) | (5.3%) |

---

In 3Q25, the total amount from other source of funds was $4.2 trillion, an increase of 6.8% QoQ, and 22.9% YoY.

The QoQ change is mostly explained by an increase of REPO and on-exchange REPOs.

A 4.1% drop can also be observed in equity, which includes the negative effect of the valuation of the sovereign bond portfolio in OCI.

Liquid Assets

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **TOTAL LIQUID ASSETS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Total liquid assets** | **6798621** | **6726172** | **7564085** | **1.1%** | **(10.1%)** |
| Cash and deposits in banks | 3831746 | 3511912 | 3984897 | 9.1% | (3.8%) |
| Debt securities at fair value through P&L | 277966 | 661552 | 109230 | (58.0%) | 154.5% |
| &nbsp;&nbsp;*Government securities* | *277966* | *492582* | *109230* | *(43.6%)* | *154.5%* |
| &nbsp;&nbsp;*LEFIs* | *-* | *745* | *-* | *(100.0%)* | *N/A* |
| Net REPO transactions | *(300565)* | *-* | *-* | *N/A* | *N/A* |
| Other debt securities | 2782368 | 2541257 | 3339295 | 9.5% | (16.7%) |
| &nbsp;&nbsp;*Government securities* | *2782368* | *2541257* | *3277167* | *9.5%* | *(15.1%)* |
| &nbsp;&nbsp;*Liquidity bills of B. C. R. A.* | *-* | *-* | *62128* | *N/A* | *(100.0%)* |
| Overnight transactios in foreign banks | 207106 | 11451 | 130663 | n.m | 58.5% |
| **Liquid assets / Total Deposits** | **44.3%** | **48.7%** | **67.3%** | **(445)pbs** | **(2303)pbs** |
| **Liquid assets / Total Deposits ARS** | **37.6%** | **45.4%** | **58.6%** | **(779)pbs** | **(2101)pbs** |
| **Liquid assets / Total Deposits USD** | **57.0%** | **55.5%** | **81.0%** | **152 pbs** | **(2396)pbs** |

---

In 3Q25, the Bank's liquid assets reached $6.8 trillion, an increase of 1.1% QoQ, and falling 10.1% YoY. They remained practically stable during the quarter, noticing balance in the repo and on-exchange repo line, in a context of restrained liquidity, and a much higher interest rate volatility than the previous quarter.

For the quarter, the liquidity ratio (liquid assets/total deposits) reached 44.3%. The liquidity ratio in local and foreign currency reached 37.6% and 57.0% respectively. In local currency, the ratio is explained by the lower valuation of public securities.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.22 |

---

Solvency

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MINIMUM CAPITAL REQUIREMENT** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Minimum capital requirement** | **1300887** | **1211283** | **1008007** | **7.4%** | **29.1%** |
| Credit risk | 1251279 | 1158742 | 713657 | &nbsp;&nbsp;&nbsp;&nbsp;8.0% | &nbsp;&nbsp;&nbsp;&nbsp;75.3% |
| Market risk | &nbsp;&nbsp;&nbsp;&nbsp;4760 | 28416 | &nbsp;&nbsp;&nbsp;&nbsp;3059 | &nbsp;&nbsp;&nbsp;&nbsp;(83.2%) | &nbsp;&nbsp;&nbsp;&nbsp;55.6% |
| Operational risk | 44848 | 24125 | 291291 | 85.9% | (84.6%) |
| **Integrated Capital - RPC (1)\*** | **2633803** | **2711869** | **2745591** | **(2.9%)** | **(4.1%)** |
| Ordinary Capital Level 1 (COn1) | 3033883 | 3034181 | 3071756 | (0.0%) | (1.2%) |
| Deductible items COn1 | &nbsp;&nbsp;&nbsp;&nbsp;(400080) | &nbsp;&nbsp;&nbsp;&nbsp;(322312) | &nbsp;&nbsp;&nbsp;&nbsp;(326166) | &nbsp;&nbsp;&nbsp;&nbsp;(24.1%) | (22.7%) |
| **Excess Capital** |  |  |  |  |  |
| Integration excess | 1332916 | 1500586 | 1737584 | &nbsp;&nbsp;&nbsp;&nbsp;(11.2%) | (23.3%) |
| Excess as % of minimum capital requirement | 102.5% | 123.9% | 172.4% | (2142)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(6992)pbs |
| Risk-weighted assets (RWA, according to B.C.R.A. regulation) (2) | &nbsp;&nbsp;&nbsp;&nbsp;15805529 | &nbsp;&nbsp;&nbsp;&nbsp;14719173 | &nbsp;&nbsp;&nbsp;&nbsp;12340269 | &nbsp;&nbsp;&nbsp;&nbsp;7.4% | &nbsp;&nbsp;&nbsp;&nbsp;28.1% |
| **Regulatory Capital Ratio (1)/(2)** | **16.7%** | **18.4%** | **22.2%** | **(176)pbs** | **(559)pbs** |
| **TIER I Capital Ratio (Ordinary Capital Level 1/ RWA)** | **16.7%** | **18.4%** | **22.2%** | **(176)pbs** | **(559)pbs** |
| \* RPC includes 100% of quarterly results | \* RPC includes 100% of quarterly results | \* RPC includes 100% of quarterly results | \* RPC includes 100% of quarterly results | \* RPC includes 100% of quarterly results | \* RPC includes 100% of quarterly results |

---

BBVA continues to show solid solvency indicators as of 3Q25. The capital ratio reached 16.7%, down from 18.4% in 2Q25. The excess capital integration over the regulatory requirement was $1.3 trillion, or 102.5%.

The QoQ drop in the ratio was due to an increase by 7.4% in risk-weighted assets (RWA), which was higher than the 2.9% decrease in Common Equity Tier 1 (CET1) capital, the latter affected by the fall in the valuation of public securities mentioned previously. This explains two-thirds of the quarterly decrease in the capital ratio.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.23 |

---

BBVA Argentina Asset Management S.A.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MUTUAL FUNDS ASSETS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| FBA Renta Pesos | 3469208 | 3048324 | 2884374 | 13.8% | 20.3% |
| FBA Ahorro Pesos | 57734 | 170838 | 104944 | (66.2%) | (45.0%) |
| FBA Renta Fija Dólar I | 184447 | 156517 | 49255 | 17.8% | 274.5% |
| FBA Acciones Argentinas | 63462 | 88418 | 105695 | (28.2%) | (40.0%) |
| FBA Horizonte | 79782 | 58308 | 14036 | 36.8% | 468.4% |
| FBA Bonos Argentina | 60306 | 41472 | 27180 | 45.4% | 121.9% |
| FBA Renta Fija Plus | 17344 | 31487 | 35080 | (44.9%) | (50.6%) |
| FBA Renta Mixta | 10219 | 13904 | 12143 | (26.5%) | (15.8%) |
| FBA Renta Pública I | &nbsp;&nbsp;&nbsp;&nbsp;4255 | 10638 | &nbsp;&nbsp;&nbsp;&nbsp;6585 | (60.0%) | (35.4%) |
| FBA Acciones Latinoamericanas | 12088 | &nbsp;&nbsp;&nbsp;&nbsp;9666 | &nbsp;&nbsp;&nbsp;&nbsp;8950 | 25.1% | 35.1% |
| FBA Renta Fija Dólar Plus I | &nbsp;&nbsp;&nbsp;&nbsp;6650 | &nbsp;&nbsp;&nbsp;&nbsp;8594 |  | (22.6%) | N/A |
| FBA Money Market Dólar | 30512 | &nbsp;&nbsp;&nbsp;&nbsp;5332 |  | 472.2% | N/A |
| FBA Bonos Globales | 10 | 12 | 16 | (16.7%) | (37.5%) |
| FBA Horizonte Plus | 10 | 11 | 14 | (9.1%) | (28.6%) |
| FBA Retorno Total I | 2 | 2 | 13 |  | (84.6%) |
| FBA Gestión I | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;100 | N/A | &nbsp;&nbsp;&nbsp;&nbsp;(100.0%) |
| **Total Equity** | **3996029** | **3643523** | **3248385** | **9.7%** | **23.0%** |
| **AMASAU Net Income** | **10173** | **10533** | **7310** | **(3.4%)** | **39.2%** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MARKET SHARE - MUTUAL FUNDS** | **BBVA ASSET MANAGEMENT** | **BBVA ASSET MANAGEMENT** | **BBVA ASSET MANAGEMENT** | **BBVA ASSET MANAGEMENT** | **BBVA ASSET MANAGEMENT** |
| **In %** |  |  |  | **∆ bps** | **∆ bps** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Mutual funds | 5.62% | 5.16% | 5.12% | 46 pbs | &nbsp;&nbsp;&nbsp;&nbsp;4 pbs |
| Source: Cámara Argentina de Fondos Comunes de Inversión | Source: Cámara Argentina de Fondos Comunes de Inversión | Source: Cámara Argentina de Fondos Comunes de Inversión | Source: Cámara Argentina de Fondos Comunes de Inversión | Source: Cámara Argentina de Fondos Comunes de Inversión | Source: Cámara Argentina de Fondos Comunes de Inversión |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.24 |

---

Other Events

Main Relevant Events

**BCRA authorizes new Director.** On August 21, 2025, the BCRA authorized Mr. Juan Christian Kindt to serve as Director of Banco BBVA Argentina S.A. Fore more information **click here**.

**BBVA Reports Lawsuit by 'Protegiendo al Consumidor' (P.A.C.).** On September 25, 2025, the 'Protegiendo al Consumidor') association sued BBVA over the elimination of the limit on penalty interest (punitive interest) for credit cards. The bank considers that, even in the event of an adverse ruling, it will not have a significant impact on its financial position. For more information, **click here**.

**BCRA approves the acquisition of 50% of FCA Compañía Financiera.** On November 7, 2025, the approval by the BCRA and the Secretariat of Industry and Commerce for the acquisition of 50% of the capital stock of FCA Compañía Financiera S.A. was reported. For more information, **click here**.

**Openpay Argentina S.A. - Capital Contribution.** On October 6, 2025, a capital contribution amounting to $187.6 billion was made to the company Openpay Argentina S.A. The purpose of this contribution is to provide working capital for its activities. It should also be noted that at the Shareholders' meeting held on the same date, 187,649,955 ordinary shares, registered, non-endorsable, with a nominal value of $1 and with the right to one vote per share, were issued in favor of the Bank. The Bank's participation remains unchanged, staying at 12.51% of the company as of the date of the contribution.

Emisión de Obligaciones Negociables Clase 36 (adicional). El día 19 de noviembre de 2025, el Banco emitió obligaciones negociables adicionales Serie 36 emitida por el valor de $23.988 millones, a tasa TAMAR + 3.20%, con vencimiento y pago de amortización el 10 de junio de 2026.

**Issuance of Class 36 Corporate Bonds (follow on).** On November 19, 2025, the Bank issued additional Series 36 corporate bonds for an amount of $23.9 billion, at a rate of TAMAR + 3.20%, with maturity and amortization payment on June 10, 2026.

**Issuance of Class 38 Corporate Bonds.** On November 19, 2025, the Bank issued Series 38 corporate bonds for the value of $43.5 billion, at a TAMAR + 3.50% rate, with maturity and amortization payment on September 20, 2026.

Dividend Payments

**Dividend Payment - Installment 4 of 10.** On September 15, 2025, the payment of the fourth (4th) of ten dividend installments was announced. For more information, **click here**.

**Dividend Payment - Installment 5 of 10. On October 16, 2025, the payment of the fifth (5th) of ten dividend installments was announced. For more information, click here.**

**Dividend Payment - Installment 6 of 10. On November 13, 2025, the payment of the sixth (6th) of ten dividend installments was announced. For more information, click here.**

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.25 |

---

Main Regulatory Changes

● **Minimum Cash Requirements - Reserve Requirement Increase (Communication "A" 8281, 07/17/2025; "A" 8286, 07/23/2025; and "A" 8289).** A 20 p.p. increase, effective as of 08/01/2025, applicable to: i) Peso deposits held by Mutual Funds (FCI) (from 20% to 40%). ii) Peso-denominated borrowing on-exchange repos (from 20% and 15% to 40% and 35%, respectively, depending on the term). iii) A 5 p.p. increase, effective as of 07/25/2025, applicable to passive repos (unifying the rate with on-exchange repos at 30%). Effective as of August 8, 2025, this rate is set at 40%.

● **USD-denominated Bank Checking Accounts (Communication "A" 8299, 08/07/2025).** Financial institutions are now permitted to offer checking accounts denominated in US dollars, with the ability to issue checks only in the ECHEQ format.

● **Minimum Cash Requirements - Reserve Requirement Increase (Communication "A" 8302, 08/14/2025).** The BCRA increased the minimum cash requirement rates by 5 percentage points, up to 50%. Furthermore, effective as of 08/18/25, the peso reserve requirement position moves to a daily measurement (previously a monthly average).

● **Minimum Cash Requirements - Reserve Requirement Increase (Communication "A" 8306, 08/25/2025).** The BCRA increased by 3.5 percentage points the minimum cash requirement rates applicable to peso sight deposits, time deposits with an early cancellation option, and peso-denominated on-exchange repos, up to a maximum of 53.5% (13.5% of which may be integrated with Treasury debt).

● **Liquidity Coverage Ratio (Communication "A" 8308, 08/28/2025).** Financial institutions are now required to calculate and report their Liquidity Coverage Ratio (LCR) separately for pesos and for foreign currency (previously, it was reported on a consolidated basis). Furthermore, the items that comprise the ratio (Measurement and Monitoring) will now be reported with monthly frequency (previously quarterly).

● **Global Net Foreign Currency Position - PGNME (Communication "A" 8311, 08/29/2025).** Effective as of 12/01/2025, the monitoring of the negative position (having more liabilities than assets in foreign currency) will move to a daily compliance requirement (previously a monthly average). Furthermore, it established a new limit for the negative daily spot position, which may not exceed 30% of the previous month's RPC (Computable Capital Liability).

● **Foreign Exchange and External Sector (Communication "A" 8336, 09/26/2025).** Any party purchasing dollars in the official market, commits, by means of a sworn statement, not to operate in the financial dollar markets (MEP or CCL) for the following 90 calendar days.

● **Minimum Cash Requirements - Reserve Requirements (Communication "A" 8350, 10/30/2025).** Effective as of 11/01/2025, the BCRA is changing the way bank reserve requirements are measured: the minimum cash calculation moves to a monthly basis (previously daily), and furthermore, banks must maintain at least 95% of the total requirement for that month on a daily basis (previously 100%).

● **Minimum Reserve Requirements - Cash Requirements (Communication "A" 8355, 11/20/2025).** Effective 12/01/2025 the BCRA eliminates the additional 3.5 p.p. reserve requirement for certain obligations denominated in Pesos, and allows this portion of the requirement to be integrated with public securities acquired through primary subscription with tenors of no less than 60 days. Furthermore, it reduces the minimum daily integration to 75% (previously 95%) of the monthly requirement. Finally, the 5 p.p. cash reserve requirement on sight deposits, which was due to expire at the end of the month, is extended until 03/31/2026 (while maintaining the additional 3.5 p.p. on time deposits, which are not set to expire).

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.26 |

---

Glossary

**Active clients:** holders of at least one active product. Subgroup of total clients that comply with the requirements of being an account holder with a positive business volume in the last three months. Does not include joint account. Excludes clients with arrears. SMEs includes entrepreneurs.

**APR:** Annual Percentage Rate

**APY**: Annual Percentage Yield

**Cost of Risk (accumulated):** Year to date accumulated loan loss allowances / Average total loans.

**Average total loans:** average between previous year-end Total loans and other financing and current period Total loans and other financing.

**Cost of Risk (quarterly):** Current period Loan loss allowances / Average total loans. Average total loans: average between previous quarter-end Total loans and other financing and current period Total loans and other financing.

**Coverage ratio:** Quarterly allowances under the Expected Credit Loss model / total non-performing portfolio.

**Digital clients:** we consider a customer to be an active user of online banking when they have been logged at least once within the last three months using the internet or a cell phone and SMS banking.

**Efficiency ratio (accumulated):** Accumulated (Personnel benefits+ Administrative expenses + Depreciation & Amortization) / Accumulated (Net Interest Income + Net Fee Income + Net Income from measurement of Financial Instruments at Fair Value through P&L + Net income from write-down of assets at amortized cost and at fair value through OCI + Foreign exchange and gold gains + some concepts included in Other net operating income+ Income from net monetary position).

**Efficiency ratio (quarterly):** (Personnel benefits+ Administrative expenses + Depreciation & Amortization) / (Net Interest Income + Net Fee Income + Net Income from measurement of Financial Instruments at Fair Value through P&L + Net income from write-down of assets at amortized cost and at fair value through OCI + Foreign exchange and gold gains + some concepts included in Other net operating income+ Income from net monetary position).

**Financial margin:** Net income from financial instruments at FV through P&L + Net loss from write-down of assets at amortized cost and fair value through OCI + Foreign exchange and gold gains

**Liquidity Ratio:** (Cash and deposits in banks + Debt securities at fair value through P&L (Excl. Private securities) + Net REPO transactions + Other debt securities (Excl. Private securities) + Overnight transactions in foreign banks/ Total Deposits.

**Mobile clients:** customers who have been active in online banking at least once in the last three months using a mobile device.

**Net Interest Margin (NIM) – (quarterly):** Quarterly Net Interest Income / Average quarterly interest earning assets.

**Adjusted NIM:** (Quarterly Net Interest Income - Net Monetary Position Results) / Average quarterly interest earning assets.

**Public Sector Exposure (excl. BCRA):** (National and Provincial Government public debt + Loans to the public sector + REPO transactions) / Total Assets.

**ROA (accumulated):** Accumulated net Income of the period attributable to owners of the parent / Total Average Assets. Total Average Assets is calculated as the average between total assets on December of the previous year and total assets in the current period, expressed in local currency. Calculated over a 365-day year.

**ROA (quarterly):** Net Income of the period attributable to owners of the parent / Total Average Assets. Total Average Assets is calculated as the average between total assets on the previous quarter-end and total assets in the current period, expressed in local currency. Calculated over a 365-day year.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.27 |

---

**ROE (accumulated):** Accumulated net Income of the period attributable to owners of the parent / Average Equity attributable to owners of the parent. Average Equity is calculated as the average between equity in December of the previous year and equity in the current period, expressed in local currency. Calculated over a 365-day year.

**ROE (quarterly):** Net Income of the period attributable to owners of the parent / Average Equity attributable to owners of the parent. Average Equity is calculated as the average between equity on the previous quarter end and equity in the current period, expressed in local currency. Calculated over a 365-day year.

**Spread:** (Quarterly Interest Income / Quarterly average Interest-earning Assets) – (Quarterly Interest Expenses / Quarterly average interest-bearing liabilities).

**Other terms**

n.m.: not meaningful. Implies an increase above 500% and a decrease below -500%.

N/A: not applicable.

Bps: basis points.

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.28 |

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Balance Sheet

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **BALANCE SHEET** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Assets** |  |  |  |  |  |
| Cash and deposits in banks | &nbsp;&nbsp;&nbsp;&nbsp;3831746 | 3511912 | 3984897 | 9.1% | (3.8%) |
| &nbsp;&nbsp;*Cash* | &nbsp;&nbsp;&nbsp;&nbsp; *871377* | &nbsp;&nbsp;&nbsp;&nbsp;*871192* | &nbsp;&nbsp;&nbsp;&nbsp;*2645286* | *0.0%* | *(67.1%)* |
| &nbsp;&nbsp; *Financial institutions and correspondents* | &nbsp;&nbsp;&nbsp;&nbsp; *2960369* | &nbsp;&nbsp;&nbsp;&nbsp;*2628882* | &nbsp;&nbsp;&nbsp;&nbsp;*1339611* | *12.6%* | *121.0%* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*BCRA* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1826432* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*1666644* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*1183882* | *9.6%* | *54.3%* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Other local and foreign financial institutions* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1133937* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*962238* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*155729* | *17.8%* | *n.m* |
| &nbsp;&nbsp;*Other* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *11838* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*-* | *(100.0%)* | *N/A* |
| Debt securities at fair value through profit or loss | &nbsp;&nbsp;&nbsp;&nbsp;277966 | 661623 | 109230 | (58.0%) | 154.5% |
| Derivatives | 57686 | &nbsp;&nbsp;&nbsp;&nbsp;12757 | &nbsp;&nbsp;&nbsp;&nbsp;11519 | 352.2% | 400.8% |
| Repo transactions |  |  |  | N/A | N/A |
| Other financial assets | &nbsp;&nbsp;&nbsp;&nbsp;248919 | 205347 | 281686 | &nbsp;&nbsp;&nbsp;&nbsp;21.2% | (11.6%) |
| Loans and other financing | 12560997 | 11819505 | 7157535 | 6.3% | &nbsp;&nbsp;&nbsp;&nbsp;75.5% |
| &nbsp;&nbsp;*Non-financial public sector* | &nbsp;&nbsp;&nbsp;&nbsp; *3718* | &nbsp;&nbsp;&nbsp;&nbsp; *3928* | &nbsp;&nbsp;&nbsp;&nbsp; *2667* | *(5.3%)* | *39.4%* |
| &nbsp;&nbsp;*B.C.R.A* | &nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp;*-* | &nbsp;&nbsp;&nbsp;&nbsp;*-* | *N/A* | *N/A* |
| &nbsp;&nbsp;*Other financial institutions* | &nbsp;&nbsp;&nbsp;&nbsp; *205574* | &nbsp;&nbsp;&nbsp;&nbsp;*153495* | &nbsp;&nbsp;&nbsp;&nbsp; *55039* | *33.9%* | *273.5%* |
| &nbsp;&nbsp;*Non-financial private sector and residents abroad* | &nbsp;&nbsp;&nbsp;&nbsp;*12351705* | &nbsp;&nbsp;&nbsp;&nbsp;*11662082* | &nbsp;&nbsp;&nbsp;&nbsp;*7099829* | *5.9%* | *74.0%* |
| Other debt securities | &nbsp;&nbsp;&nbsp;&nbsp;2818204 | 2569259 | 3377150 | 9.7% | (16.6%) |
| Financial assets pledged as collateral | &nbsp;&nbsp;&nbsp;&nbsp;1013281 | 376261 | 317660 | 169.3% | 219.0% |
| Current income tax assets | 116 | 91 | &nbsp;&nbsp;&nbsp;&nbsp;59853 | &nbsp;&nbsp;&nbsp;&nbsp;27.5% | (99.8%) |
| Investments in equity instruments | 15204 | &nbsp;&nbsp;&nbsp;&nbsp;16243 | &nbsp;&nbsp;&nbsp;&nbsp;12546 | (6.4%) | &nbsp;&nbsp;&nbsp;&nbsp;21.2% |
| Investments in subsidiaries and associates | 35404 | &nbsp;&nbsp;&nbsp;&nbsp;33720 | &nbsp;&nbsp;&nbsp;&nbsp;28034 | 5.0% | &nbsp;&nbsp;&nbsp;&nbsp;26.3% |
| Property and equipment | &nbsp;&nbsp;&nbsp;&nbsp;814268 | 792992 | 772573 | 2.7% | 5.4% |
| Intangible assets | &nbsp;&nbsp;&nbsp;&nbsp;101960 | &nbsp;&nbsp;&nbsp;&nbsp;93786 | &nbsp;&nbsp;&nbsp;&nbsp;88255 | 8.7% | &nbsp;&nbsp;&nbsp;&nbsp;15.5% |
| Deferred income tax assets | &nbsp;&nbsp;&nbsp;&nbsp;117007 | &nbsp;&nbsp;&nbsp;&nbsp;36791 | &nbsp;&nbsp;&nbsp;&nbsp;35766 | 218.0% | 227.1% |
| Other non-financial assets | &nbsp;&nbsp;&nbsp;&nbsp;269942 | 280021 | 300272 | (3.6%) | (10.1%) |
| Non-current assets held for sale | 3853 | 3853 | 1849 |  | 108.4% |
| **Total Assets** | **22166553** | **20414161** | **16538825** | **8.6%** | **34.0%** |
| **Liabilities** |  |  |  |  |  |
| Deposits | 15356769 | 13804047 | 11238505 | &nbsp;&nbsp;&nbsp;&nbsp;11.2% | &nbsp;&nbsp;&nbsp;&nbsp;36.6% |
| &nbsp;&nbsp;*Non-financial public sector* | &nbsp;&nbsp;&nbsp;&nbsp; *301642* | &nbsp;&nbsp;&nbsp;&nbsp;*133617* | &nbsp;&nbsp;&nbsp;&nbsp;*223862* | *125.8%* | *34.7%* |
| &nbsp;&nbsp;*Financial sector* | &nbsp;&nbsp;&nbsp;&nbsp; *7195* | &nbsp;&nbsp;&nbsp;&nbsp; *10483* | &nbsp;&nbsp;&nbsp;&nbsp; *3462* | *(31.4%)* | *107.8%* |
| &nbsp;&nbsp;*Non-financial private sector and residents abroad* | &nbsp;&nbsp;&nbsp;&nbsp;*15047932* | &nbsp;&nbsp;&nbsp;&nbsp;*13659947* | &nbsp;&nbsp;&nbsp;&nbsp;*11011181* | *10.2%* | *36.7%* |
| Liabilities at fair value through profit or loss |  | 448 | 157 | &nbsp;&nbsp;&nbsp;&nbsp;(100.0%) | &nbsp;&nbsp;&nbsp;&nbsp;(100.0%) |
| Derivatives | 74163 | &nbsp;&nbsp;&nbsp;&nbsp;15944 | 8068 | 365.1% | n.m |
| Reverse REPO transactions | &nbsp;&nbsp;&nbsp;&nbsp;300565 |  |  | N/A | N/A |
| Other financial liabilities | &nbsp;&nbsp;&nbsp;&nbsp;1626359 | 1758247 | 1191771 | (7.5%) | &nbsp;&nbsp;&nbsp;&nbsp;36.5% |
| Financing received from the B.C.R.A. and other financial institutions | &nbsp;&nbsp;&nbsp;&nbsp;536754 | 389458 | 243757 | &nbsp;&nbsp;&nbsp;&nbsp;37.8% | 120.2% |
| Corporate bonds issued | &nbsp;&nbsp;&nbsp;&nbsp;407588 | 457985 | &nbsp;&nbsp;&nbsp;&nbsp;47022 | (11.0%) | n.m |
| Current income tax liabilities | 25242 | &nbsp;&nbsp;&nbsp;&nbsp;17984 | &nbsp;&nbsp;&nbsp;&nbsp;12186 | &nbsp;&nbsp;&nbsp;&nbsp;40.4% | 107.1% |
| Subordinated corporate bonds |  |  |  | N/A | N/A |
| Provisions | 50458 | &nbsp;&nbsp;&nbsp;&nbsp;65624 | &nbsp;&nbsp;&nbsp;&nbsp;48209 | (23.1%) | 4.7% |
| Deferred income tax liabilities |  |  |  | N/A | N/A |
| Other non-financial liabilities | &nbsp;&nbsp;&nbsp;&nbsp;805981 | 794154 | 599639 | 1.5% | &nbsp;&nbsp;&nbsp;&nbsp;34.4% |
| **Total Liabilities** | **19183879** | **17303891** | **13389314** | **10.9%** | **43.3%** |
| **Equity** |  |  |  |  |  |
| Share Capital | 613 | 613 | 613 |  |  |
| Non-capitalized contributions | 6745 | 6745 | 6745 |  |  |
| Capital adjustments | &nbsp;&nbsp;&nbsp;&nbsp;1102512 | 1102512 | 1102512 |  |  |
| Reserves | &nbsp;&nbsp;&nbsp;&nbsp;1866599 | 1866599 | 1544818 |  | &nbsp;&nbsp;&nbsp;&nbsp;20.8% |
| Retained earnings |  |  |  | N/A | N/A |
| Other accumulated comprehensive income | (238027) | (72360) | &nbsp;&nbsp;&nbsp;&nbsp;90609 | &nbsp;&nbsp;&nbsp;&nbsp;(228.9%) | &nbsp;&nbsp;&nbsp;&nbsp;(362.7%) |
| Income for the period | &nbsp;&nbsp;&nbsp;&nbsp;181856 | 146770 | 356250 | &nbsp;&nbsp;&nbsp;&nbsp;23.9% | (49.0%) |
| &nbsp;&nbsp;*Equity attributable to owners of the Parent* | &nbsp;&nbsp;&nbsp;&nbsp; *2920298* | &nbsp;&nbsp;&nbsp;&nbsp;*3050879* | &nbsp;&nbsp;&nbsp;&nbsp;*3101547* | *(4.3%)* | *(5.8%)* |
| &nbsp;&nbsp;*Equity attributable to non-controlling interests* | &nbsp;&nbsp;&nbsp;&nbsp; *62376* | &nbsp;&nbsp;&nbsp;&nbsp; *59391* | &nbsp;&nbsp;&nbsp;&nbsp; *47964* | *5.0%* | *30.0%* |
| **Total Equity** | **2982674** | **3110270** | **3149511** | **(4.1%)** | **(5.3%)** |
| **Total Liabilities and Equity** | **22166553** | **20414161** | **16538825** | **8.6%** | **34.0%** |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.29 |

---

Balance Sheet – 5 Quarters

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **BALANCE SHEET** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  |  |  |
|  | **3Q25** | **2Q25** | **1Q25** | **4Q24** | **3Q24** |
| **Assets** |  |  |  |  |  |
| Cash and deposits in banks | &nbsp;&nbsp;&nbsp;&nbsp;3831746 | &nbsp;&nbsp;&nbsp;&nbsp;3511912 | &nbsp;&nbsp;&nbsp;&nbsp;2753333 | &nbsp;&nbsp;&nbsp;&nbsp;3444171 | &nbsp;&nbsp;&nbsp;&nbsp;3984897 |
| &nbsp;&nbsp;*Cash* | &nbsp;&nbsp;&nbsp;&nbsp; *871377* | &nbsp;&nbsp;&nbsp;&nbsp; *871192* | &nbsp;&nbsp;&nbsp;&nbsp; *1265362* | &nbsp;&nbsp;&nbsp;&nbsp; *2173141* | &nbsp;&nbsp;&nbsp;&nbsp; *2645286* |
| &nbsp;&nbsp; *Financial institutions and correspondents* | &nbsp;&nbsp;&nbsp;&nbsp; *2960369* | &nbsp;&nbsp;&nbsp;&nbsp; *2628882* | &nbsp;&nbsp;&nbsp;&nbsp; *1486073* | &nbsp;&nbsp;&nbsp;&nbsp; *1271030* | &nbsp;&nbsp;&nbsp;&nbsp; *1339611* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*B.C.R.A* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1826432* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1666644* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *974226* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *925464* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1183882* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Other local and foreign financial institutions* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1133937* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *962238* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *511847* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *345566* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *155729* |
| &nbsp;&nbsp;*Other* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *11838* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *1898* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *-* |
| Debt securities at fair value through profit or loss | &nbsp;&nbsp;&nbsp;&nbsp;277966 | &nbsp;&nbsp;&nbsp;&nbsp;661623 | &nbsp;&nbsp;&nbsp;&nbsp;477495 | &nbsp;&nbsp;&nbsp;&nbsp;111961 | &nbsp;&nbsp;&nbsp;&nbsp;109230 |
| Derivatives | 57686 | 12757 | 7503 | 12030 | 11519 |
| Repo transactions | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- |
| Other financial assets | &nbsp;&nbsp;&nbsp;&nbsp;248919 | &nbsp;&nbsp;&nbsp;&nbsp;205347 | &nbsp;&nbsp;&nbsp;&nbsp;543333 | &nbsp;&nbsp;&nbsp;&nbsp;308686 | &nbsp;&nbsp;&nbsp;&nbsp;281686 |
| Loans and other financing | 12560997 | 11819505 | 10199025 | &nbsp;&nbsp;&nbsp;&nbsp;9194475 | &nbsp;&nbsp;&nbsp;&nbsp;7157535 |
| &nbsp;&nbsp;*Non-financial public sector* | &nbsp;&nbsp;&nbsp;&nbsp; *3718* | &nbsp;&nbsp;&nbsp;&nbsp; *3928* | &nbsp;&nbsp;&nbsp;&nbsp; *3691* | &nbsp;&nbsp;&nbsp;&nbsp; *1177* | &nbsp;&nbsp;&nbsp;&nbsp; *2667* |
| &nbsp;&nbsp;*B.C.R.A* | &nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp; *-* | &nbsp;&nbsp;&nbsp;&nbsp; *-* |
| &nbsp;&nbsp;*Other financial institutions* | &nbsp;&nbsp;&nbsp;&nbsp; *205574* | &nbsp;&nbsp;&nbsp;&nbsp; *153495* | &nbsp;&nbsp;&nbsp;&nbsp; *79450* | &nbsp;&nbsp;&nbsp;&nbsp; *71068* | &nbsp;&nbsp;&nbsp;&nbsp; *55039* |
| &nbsp;&nbsp;*Non-financial private sector and residents abroad* | &nbsp;&nbsp;&nbsp;&nbsp; *12351705* | &nbsp;&nbsp;&nbsp;&nbsp; *11662082* | &nbsp;&nbsp;&nbsp;&nbsp; *10115884* | &nbsp;&nbsp;&nbsp;&nbsp; *9122230* | &nbsp;&nbsp;&nbsp;&nbsp; *7099829* |
| Other debt securities | &nbsp;&nbsp;&nbsp;&nbsp;2818204 | &nbsp;&nbsp;&nbsp;&nbsp;2569259 | &nbsp;&nbsp;&nbsp;&nbsp;2666604 | &nbsp;&nbsp;&nbsp;&nbsp;3044979 | &nbsp;&nbsp;&nbsp;&nbsp;3377150 |
| Financial assets pledged as collateral | &nbsp;&nbsp;&nbsp;&nbsp;1013281 | &nbsp;&nbsp;&nbsp;&nbsp;376261 | &nbsp;&nbsp;&nbsp;&nbsp;359719 | &nbsp;&nbsp;&nbsp;&nbsp;564662 | &nbsp;&nbsp;&nbsp;&nbsp;317660 |
| Current income tax assets | 116 | &nbsp;&nbsp;&nbsp;&nbsp;91 | 50810 | 55419 | 59853 |
| Investments in equity instruments | 15204 | 16243 | 15624 | 15438 | 12546 |
| Investments in subsidiaries and associates | 35404 | 33720 | 29753 | 29050 | 28034 |
| Property and equipment | &nbsp;&nbsp;&nbsp;&nbsp;814268 | &nbsp;&nbsp;&nbsp;&nbsp;792992 | &nbsp;&nbsp;&nbsp;&nbsp;784172 | &nbsp;&nbsp;&nbsp;&nbsp;788566 | &nbsp;&nbsp;&nbsp;&nbsp;772573 |
| Intangible assets | &nbsp;&nbsp;&nbsp;&nbsp;101960 | 93786 | 87389 | 84436 | 88255 |
| Deferred income tax assets | &nbsp;&nbsp;&nbsp;&nbsp;117007 | 36791 | 53487 | 30918 | 35766 |
| Other non-financial assets | &nbsp;&nbsp;&nbsp;&nbsp;269942 | &nbsp;&nbsp;&nbsp;&nbsp;280021 | &nbsp;&nbsp;&nbsp;&nbsp;266253 | &nbsp;&nbsp;&nbsp;&nbsp;270091 | &nbsp;&nbsp;&nbsp;&nbsp;300272 |
| Non-current assets held for sale | 3853 | 3853 | 3853 | 4573 | 1849 |
| **Total Assets** | **22166553** | **20414161** | **18298353** | **17959455** | **16538825** |
| **Liabilities** |  |  |  |  |  |
| Deposits | 15356769 | 13804047 | 12328923 | 12110807 | 11238505 |
| &nbsp;&nbsp;*Non-financial public sector* | &nbsp;&nbsp;&nbsp;&nbsp; *301642* | &nbsp;&nbsp;&nbsp;&nbsp; *133617* | &nbsp;&nbsp;&nbsp;&nbsp; *126208* | &nbsp;&nbsp;&nbsp;&nbsp; *147108* | &nbsp;&nbsp;&nbsp;&nbsp; *223862* |
| &nbsp;&nbsp;*Financial sector* | &nbsp;&nbsp;&nbsp;&nbsp; *7195* | &nbsp;&nbsp;&nbsp;&nbsp; *10483* | &nbsp;&nbsp;&nbsp;&nbsp; *7913* | &nbsp;&nbsp;&nbsp;&nbsp; *5278* | &nbsp;&nbsp;&nbsp;&nbsp; *3462* |
| &nbsp;&nbsp;*Non-financial private sector and residents abroad* | &nbsp;&nbsp;&nbsp;&nbsp; *15047932* | &nbsp;&nbsp;&nbsp;&nbsp; *13659947* | &nbsp;&nbsp;&nbsp;&nbsp; *12194802* | &nbsp;&nbsp;&nbsp;&nbsp; *11958421* | &nbsp;&nbsp;&nbsp;&nbsp; *11011181* |
| Liabilities at fair value through profit or loss | &nbsp;&nbsp;&nbsp;&nbsp;- | 448 | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | 157 |
| Derivatives | 74163 | 15944 | 14200 | 4706 | 8068 |
| Reverse Repo Transactions | &nbsp;&nbsp;&nbsp;&nbsp;300565 | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- |
| Other financial liabilities | &nbsp;&nbsp;&nbsp;&nbsp;1626359 | &nbsp;&nbsp;&nbsp;&nbsp;1758247 | &nbsp;&nbsp;&nbsp;&nbsp;1389655 | &nbsp;&nbsp;&nbsp;&nbsp;1457904 | &nbsp;&nbsp;&nbsp;&nbsp;1191771 |
| Financing received from the B.C.R.A. and other financial institutions | &nbsp;&nbsp;&nbsp;&nbsp;536754 | &nbsp;&nbsp;&nbsp;&nbsp;389458 | &nbsp;&nbsp;&nbsp;&nbsp;318810 | &nbsp;&nbsp;&nbsp;&nbsp;245066 | &nbsp;&nbsp;&nbsp;&nbsp;243757 |
| Corporate bonds issued | &nbsp;&nbsp;&nbsp;&nbsp;407588 | &nbsp;&nbsp;&nbsp;&nbsp;457985 | &nbsp;&nbsp;&nbsp;&nbsp;288948 | &nbsp;&nbsp;&nbsp;&nbsp;141357 | 47022 |
| Current income tax liabilities | 25242 | 17984 | 23338 | 16800 | 12186 |
| Subordinated corporate bonds | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- |
| Provisions | 50458 | 65624 | 57904 | 57444 | 48209 |
| Deferred income tax liabilities | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- |
| Other non-financial liabilities | &nbsp;&nbsp;&nbsp;&nbsp;805981 | &nbsp;&nbsp;&nbsp;&nbsp;794154 | &nbsp;&nbsp;&nbsp;&nbsp;711655 | &nbsp;&nbsp;&nbsp;&nbsp;728732 | &nbsp;&nbsp;&nbsp;&nbsp;599639 |
| **Total Liabilities** | **19183879** | **17303891** | **15133433** | **14762816** | **13389314** |
| **Equity** |  |  |  |  |  |
| Share Capital | 613 | 613 | 613 | 613 | 613 |
| Non-capitalized contributions | 6745 | 6745 | 6745 | 6745 | 6745 |
| Capital adjustments | &nbsp;&nbsp;&nbsp;&nbsp;1102512 | &nbsp;&nbsp;&nbsp;&nbsp;1102512 | &nbsp;&nbsp;&nbsp;&nbsp;1102512 | &nbsp;&nbsp;&nbsp;&nbsp;1102512 | &nbsp;&nbsp;&nbsp;&nbsp;1102512 |
| Reserves | &nbsp;&nbsp;&nbsp;&nbsp;1866599 | &nbsp;&nbsp;&nbsp;&nbsp;1866599 | &nbsp;&nbsp;&nbsp;&nbsp;1544818 | &nbsp;&nbsp;&nbsp;&nbsp;1544818 | &nbsp;&nbsp;&nbsp;&nbsp;1544818 |
| Retained earnings | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;430835 | &nbsp;&nbsp;&nbsp;&nbsp;- | &nbsp;&nbsp;&nbsp;&nbsp;- |
| Other accumulated comprehensive income | (238027) | &nbsp;&nbsp;&nbsp;&nbsp;(72360) | &nbsp;&nbsp;&nbsp;&nbsp;(63589) | 59808 | 90609 |
| Income for the period | &nbsp;&nbsp;&nbsp;&nbsp;181856 | &nbsp;&nbsp;&nbsp;&nbsp;146770 | 88110 | &nbsp;&nbsp;&nbsp;&nbsp;430835 | &nbsp;&nbsp;&nbsp;&nbsp;356250 |
| &nbsp;&nbsp;*Equity attributable to owners of the Parent* | &nbsp;&nbsp;&nbsp;&nbsp; *2920298* | &nbsp;&nbsp;&nbsp;&nbsp; *3050879* | &nbsp;&nbsp;&nbsp;&nbsp; *3110044* | &nbsp;&nbsp;&nbsp;&nbsp; *3145331* | &nbsp;&nbsp;&nbsp;&nbsp; *3101547* |
| &nbsp;&nbsp;*Equity attributable to non-controlling interests* | &nbsp;&nbsp;&nbsp;&nbsp; *62376* | &nbsp;&nbsp;&nbsp;&nbsp; *59391* | &nbsp;&nbsp;&nbsp;&nbsp; *54876* | &nbsp;&nbsp;&nbsp;&nbsp; *51308* | &nbsp;&nbsp;&nbsp;&nbsp; *47964* |
| **Total Equity** | **2982674** | **3110270** | **3164920** | **3196639** | **3149511** |
| **Total Liabilities and Equity** | **22166553** | **20414161** | **18298353** | **17959455** | **16538825** |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.30 |

---

Balance Sheet – Foreign Currency

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FOREIGN CURRENCY EXPOSURE** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Assets** |  |  |  |  |  |
| Cash and deposits in banks | 2613092 | 2263183 | 3332059 | 15.5% | (21.6%) |
| Debt securities at fair value through profit or loss | 173974 | 136966 | 196 | 27.0% | n.m |
| Other financial assets | &nbsp;&nbsp;&nbsp;&nbsp;40701 | &nbsp;&nbsp;&nbsp;&nbsp;55637 | &nbsp;&nbsp;&nbsp;&nbsp;47173 | (26.8%) | (13.7%) |
| Loans and other financing | 3073427 | 2445140 | 1097614 | 25.7% | 180.0% |
| &nbsp;&nbsp;*Other financial institutions* | &nbsp;&nbsp;&nbsp;&nbsp; *10370* | &nbsp;&nbsp;&nbsp;&nbsp; *9578* | &nbsp;&nbsp;&nbsp;&nbsp; *9* | *8.3%* | *n.m* |
| &nbsp;&nbsp; *Non-financial private sector and residents abroad* | &nbsp;&nbsp;&nbsp;&nbsp;*3063054* | &nbsp;&nbsp;&nbsp;&nbsp;*2435558* | &nbsp;&nbsp;&nbsp;&nbsp;*1097598* | *25.8%* | *179.1%* |
| Other debt securities | &nbsp;&nbsp;&nbsp;&nbsp;28122 | 116169 | &nbsp;&nbsp;&nbsp;&nbsp;97656 | (75.8%) | (71.2%) |
| Financial assets pledged as collateral | 280568 | 122024 | &nbsp;&nbsp;&nbsp;&nbsp;42382 | 129.9% | n.m |
| Investments in equity instruments | 1330 | 1079 | 887 | 23.3% | 49.9% |
| **Total foreign currency assets** | **6211214** | **5140198** | **4617967** | **20.8%** | **34.5%** |
| **Liabilities** |  |  |  |  |  |
| Deposits | 5248564 | 4505079 | 4351273 | 16.5% | 20.6% |
| &nbsp;&nbsp; *Non-Financial Public Sector* | &nbsp;&nbsp;&nbsp;&nbsp; *38706* | &nbsp;&nbsp;&nbsp;&nbsp; *36702* | &nbsp;&nbsp;&nbsp;&nbsp;*109920* | &nbsp;&nbsp;&nbsp;&nbsp; *5.5%* | &nbsp;&nbsp;&nbsp;&nbsp; *(64.8%)* |
| &nbsp;&nbsp; *Financial Sector* | &nbsp;&nbsp;&nbsp;&nbsp; *2766* | &nbsp;&nbsp;&nbsp;&nbsp; *3423* | &nbsp;&nbsp;&nbsp;&nbsp; *1138* | &nbsp;&nbsp;&nbsp;&nbsp; *(19.2%)* | &nbsp;&nbsp;&nbsp;&nbsp; *143.1%* |
| &nbsp;&nbsp; *Non-financial private sector and residents abroad* | &nbsp;&nbsp;&nbsp;&nbsp;*5207092* | &nbsp;&nbsp;&nbsp;&nbsp;*4464954* | &nbsp;&nbsp;&nbsp;&nbsp;*4240215* | &nbsp;&nbsp;&nbsp;&nbsp; *16.6%* | &nbsp;&nbsp;&nbsp;&nbsp; *22.8%* |
| Other financial liabilities | 263630 | 187686 | 198133 | 40.5% | 33.1% |
| Financing received from the B.C.R.A. and other financial institutions | 232264 | 108486 | &nbsp;&nbsp;&nbsp;&nbsp;55890 | 114.1% | 315.6% |
| Corporate bonds issued | 169291 | 126557 |  | 33.8% | N/A |
| Other non financial liabilities | 100206 | 117257 | &nbsp;&nbsp;&nbsp;&nbsp;89181 | (14.5%) | 12.4% |
| **Total foreign currency liabilities** | **6013955** | **5045065** | **4694477** | **19.2%** | **28.1%** |
| **Foreign Currency Net Position - AR$** | **197259** | **95133** | **(76510)** | **107.4%** | **357.8%** |
| **Foreign Currency Net Position - USD** | **144** | **80** | **(79)** | **81.2%** | **283.2%** |
| \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. | \*Wholesale U.S. dollar foreign exchange rates on BCRA's Communication "A" 3500, as of the end of period. |  |  |  |  |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.31 |

---

P&L – Quarterly

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INCOME STATEMENT** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  | **∆ %** | **∆ %** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| Interest income | 1311872 | 1113273 | 1001576 | 17.8% | 31.0% |
| Interest expense | &nbsp;&nbsp;&nbsp;&nbsp;(726403) | &nbsp;&nbsp;&nbsp;&nbsp;(486141) | &nbsp;&nbsp;&nbsp;&nbsp;(395155) | -49.4% | -83.8% |
| **Net interest income** | **585469** | **627132** | **606421** | **-6.6%** | **-3.5%** |
| Fee income | 207818 | 187055 | 175595 | 11.1% | 18.4% |
| Fee expenses | (70737) | (87389) | (81865) | 19.1% | 13.6% |
| **Net fee income** | **137081** | **99666** | **93730** | **37.5%** | **46.3%** |
| Net income from financial instruments at fair value through P&L | 22611 | 49859 | 38653 | -54.7% | -41.5% |
| Net loss from write-down of assets at amortized cost and fair value through OCI | (3427) | (312) | 72919 | n.m | -104.7% |
| Foreign exchange and gold gains | 60653 | 57451 | &nbsp;&nbsp;&nbsp;&nbsp;8777 | 5.6% | n.m |
| Other operating income | 71288 | 39834 | 38446 | 79.0% | 85.4% |
| Loan loss allowances | &nbsp;&nbsp;&nbsp;&nbsp;(209957) | &nbsp;&nbsp;&nbsp;&nbsp;(153149) | (54357) | -37.1% | -286.3% |
| **Net operating income** | **663718** | **720481** | **804589** | **-7.9%** | **-17.5%** |
| Personnel benefits | &nbsp;&nbsp;&nbsp;&nbsp;(147208) | &nbsp;&nbsp;&nbsp;&nbsp;(150246) | &nbsp;&nbsp;&nbsp;&nbsp;(132734) | 2.0% | -10.9% |
| Administrative expenses | &nbsp;&nbsp;&nbsp;&nbsp;(145939) | &nbsp;&nbsp;&nbsp;&nbsp;(156469) | &nbsp;&nbsp;&nbsp;&nbsp;(162504) | 6.7% | 10.2% |
| Depreciation and amortization | (24783) | (24995) | (21796) | 0.8% | -13.7% |
| Other operating expenses | &nbsp;&nbsp;&nbsp;&nbsp;(176699) | &nbsp;&nbsp;&nbsp;&nbsp;(180185) | &nbsp;&nbsp;&nbsp;&nbsp;(100144) | 1.9% | -76.4% |
| **Operating expenses** | **(494629)** | **(511895)** | **(417178)** | **3.4%** | **-18.6%** |
| **Operating income** | **169089** | **208586** | **387411** | **-18.9%** | **-56.4%** |
| Income from associates and joint ventures | &nbsp;&nbsp;&nbsp;&nbsp;3211 | &nbsp;&nbsp;&nbsp;&nbsp;4275 | &nbsp;&nbsp;&nbsp;&nbsp;452 | -24.9% | n.m |
| Income from net monetary position | &nbsp;&nbsp;&nbsp;&nbsp;(110947) | &nbsp;&nbsp;&nbsp;&nbsp;(117640) | &nbsp;&nbsp;&nbsp;&nbsp;(224643) | 5.7% | 50.6% |
| **Income before income tax** | **61353** | **95221** | **163220** | **-35.6%** | **-62.4%** |
| Income tax | (23282) | (32047) | (32501) | 27.4% | 28.4% |
| **Income for the period** | **38071** | **63174** | **130719** | **-39.7%** | **-70.9%** |
| **Owners of the parent** | **35086** | **58660** | **131326** | **-40.2%** | **-73.3%** |
| **Non-controlling interests** | **2985** | **4514** | **(607)** | **-33.9%** | **n.m** |
| **Other comprehensive Income (1)** | **(165667)** | **(8771)** | **(96319)** | **n.m** | **-72.0%** |
| **Total comprehensive income** | **(127596)** | **54403** | **34400** | **-334.5%** | **-470.9%** |
| (1) Net of Income Tax. |  |  |  |  |  |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.32 |

---

P&L – 5 Quarters

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INCOME STATEMENT** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In millions of AR$ - Inflation adjusted** |  |  |  |  |  |
|  | **3Q25** | **2Q25** | **1Q25** | **4Q24** | **3Q24** |
| Interest income | 1311872 | 1113273 | 1031361 | 1052144 | 1001576 |
| Interest expense | &nbsp;&nbsp;&nbsp;&nbsp;(726403) | &nbsp;&nbsp;&nbsp;&nbsp;(486141) | &nbsp;&nbsp;&nbsp;&nbsp;(423236) | &nbsp;&nbsp;&nbsp;&nbsp;(463677) | &nbsp;&nbsp;&nbsp;&nbsp;(395155) |
| **Net interest income** | **585469** | **627132** | **608125** | **588467** | **606421** |
| Fee income | 207818 | 187055 | 202914 | 168139 | 175595 |
| Fee expenses | (70737) | (87389) | (90809) | (92552) | (81865) |
| **Net fee income** | **137081** | **99666** | **112105** | **75587** | **93730** |
| Net income from financial instruments at fair value through P&L | 22611 | 49859 | 36174 | 46831 | 38653 |
| Net loss from write-down of assets at amortized cost and fair value through OCI | (3427) | (312) | 90032 | 91418 | 72919 |
| Foreign exchange and gold gains | 60653 | 57451 | &nbsp;&nbsp;&nbsp;&nbsp;9138 | &nbsp;&nbsp;&nbsp;&nbsp;9896 | &nbsp;&nbsp;&nbsp;&nbsp;8777 |
| Other operating income | 71288 | 39834 | 43599 | 43644 | 38446 |
| Loan loss allowances | &nbsp;&nbsp;&nbsp;&nbsp;(209957) | &nbsp;&nbsp;&nbsp;&nbsp;(153149) | &nbsp;&nbsp;&nbsp;&nbsp;(107656) | &nbsp;&nbsp;&nbsp;&nbsp;(102634) | (54357) |
| **Net operating income** | **663718** | **720481** | **791517** | **753209** | **804589** |
| Personnel benefits | &nbsp;&nbsp;&nbsp;&nbsp;(147208) | &nbsp;&nbsp;&nbsp;&nbsp;(150246) | &nbsp;&nbsp;&nbsp;&nbsp;(136142) | &nbsp;&nbsp;&nbsp;&nbsp;(176793) | &nbsp;&nbsp;&nbsp;&nbsp;(132734) |
| Administrative expenses | &nbsp;&nbsp;&nbsp;&nbsp;(145939) | &nbsp;&nbsp;&nbsp;&nbsp;(156469) | &nbsp;&nbsp;&nbsp;&nbsp;(164404) | &nbsp;&nbsp;&nbsp;&nbsp;(171786) | &nbsp;&nbsp;&nbsp;&nbsp;(162504) |
| Depreciation and amortization | (24816) | (24995) | (23343) | (30791) | (21796) |
| Other operating expenses | &nbsp;&nbsp;&nbsp;&nbsp;(176666) | &nbsp;&nbsp;&nbsp;&nbsp;(180185) | &nbsp;&nbsp;&nbsp;&nbsp;(152237) | &nbsp;&nbsp;&nbsp;&nbsp;(172883) | &nbsp;&nbsp;&nbsp;&nbsp;(100144) |
| **Operating expenses** | **(494629)** | **(511895)** | **(476126)** | **(552253)** | **(417178)** |
| **Operating income** | **169089** | **208586** | **315391** | **200956** | **387411** |
| Income from associates and joint ventures | &nbsp;&nbsp;&nbsp;&nbsp;3211 | &nbsp;&nbsp;&nbsp;&nbsp;4275 | &nbsp;&nbsp;&nbsp;&nbsp;831 | &nbsp;&nbsp;&nbsp;&nbsp;986 | &nbsp;&nbsp;&nbsp;&nbsp;452 |
| Income from net monetary position | &nbsp;&nbsp;&nbsp;&nbsp;(110947) | &nbsp;&nbsp;&nbsp;&nbsp;(117640) | &nbsp;&nbsp;&nbsp;&nbsp;(168109) | &nbsp;&nbsp;&nbsp;&nbsp;(188268) | &nbsp;&nbsp;&nbsp;&nbsp;(224643) |
| **Income before income tax** | **61353** | **95221** | **148113** | **13674** | **163220** |
| Income tax | (23282) | (32047) | (56434) | 65217 | (32501) |
| **Income for the period** | **38071** | **63174** | **91679** | **78891** | **130719** |
| **Owners of the parent** | **35086** | **58660** | **88110** | **74586** | **131326** |
| **Non-controlling interests** | **2985** | **4514** | **3569** | **4305** | **(607)** |
| **Other comprehensive Income (OCI)(1)** | **(165667)** | **(8771)** | **(123398)** | **(31762)** | **(96319)** |
| **Total comprehensive income** | **(127596)** | **54403** | **(31719)** | **47129** | **34400** |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.33 |

---

Ratios

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **QUARTERLY ANNUALIZED RATIOS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In %** |  |  |  | **∆ bps** | **∆ bps** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Profitability** |  |  |  |  |  |
| Efficiency Ratio | 57.6% | 56.5% | 59.5% | 110 pbs | &nbsp;&nbsp;&nbsp;&nbsp;(190)pbs |
| ROA | 0.7% | 1.2% | 3.4% | (50)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(270)pbs |
| ROE | 4.7% | 7.6% | 16.9% | &nbsp;&nbsp;&nbsp;&nbsp;(290)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(1220)pbs |
| **Liquidity** |  |  |  |  |  |
| Liquid assets / Total Deposits | 44.3% | 48.7% | 67.3% | &nbsp;&nbsp;&nbsp;&nbsp;(445)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(2303)pbs |
| **Capital** |  |  |  |  |  |
| Regulatory Capital Ratio | 16.7% | 18.4% | 22.2% | &nbsp;&nbsp;&nbsp;&nbsp;(176)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(559)pbs |
| TIER I Capital Ratio (Ordinary Capital Level 1/ RWA) | 16.7% | 18.4% | 22.2% | &nbsp;&nbsp;&nbsp;&nbsp;(176)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(559)pbs |
| **Asset Quality** |  |  |  |  |  |
| Total non-performing portfolio / Total portfolio | 3.28% | 2.28% | 1.18% | 99 pbs | 210 pbs |
| Allowances /Total non-performing portfolio | 99.98% | 115.15% | 152.98% | &nbsp;&nbsp;&nbsp;&nbsp;(1517)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(5301)pbs |
| Cost of Risk | 6.63% | 5.44% | 3.31% | 119 pbs | 332 pbs |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **ACCUMULATED ANNUALIZED RATIOS** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** | **BBVA ARGENTINA CONSOLIDATED** |
| **In %** |  |  |  | **∆ bps** | **∆ bps** |
|  | **3Q25** | **2Q25** | **3Q24** | **QoQ** | **YoY** |
| **Profitability** |  |  |  |  |  |
| Efficiency Ratio | 56.8% | 56.4% | 59.8% | 40 pbs | &nbsp;&nbsp;&nbsp;&nbsp;(300)pbs |
| ROA | 1.2% | 1.5% | 2.9% | (30)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(170)pbs |
| ROE | 8.0% | 9.6% | 13.9% | &nbsp;&nbsp;&nbsp;&nbsp;(160)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(590)pbs |
| **Liquidity** |  |  |  |  |  |
| Liquid assets / Total Deposits | 44.3% | 48.7% | 67.3% | &nbsp;&nbsp;&nbsp;&nbsp;(445)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(2303)pbs |
| **Capital** |  |  |  |  |  |
| Regulatory Capital Ratio | 16.7% | 18.4% | 22.2% | &nbsp;&nbsp;&nbsp;&nbsp;(176)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(559)pbs |
| TIER I Capital Ratio (Ordinary Capital Level 1/ RWA) | 16.7% | 18.4% | 22.2% | &nbsp;&nbsp;&nbsp;&nbsp;(176)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(559)pbs |
| **Asset Quality** |  |  |  |  |  |
| Total non-performing portfolio / Total portfolio | 3.28% | 2.28% | 1.18% | 99 pbs | 210 pbs |
| Allowances /Total non-performing portfolio | 99.98% | 115.15% | 152.98% | &nbsp;&nbsp;&nbsp;&nbsp;(1517)pbs | &nbsp;&nbsp;&nbsp;&nbsp;(5301)pbs |
| Cost of Risk | 5.01% | 4.66% | 3.32% | 35 pbs | 168 pbs |

---

---

| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.34 |

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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.

Investor Relations Contact

**Carmen Morillo Arroyo** – CFO

**Diego Cesarini** – Head of ALM & Investor Relations

**Belén Fourcade** – Investor Relations Manager

investorelations-arg@bbva.com

ir.bbva.com.ar

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| | |
|:---|:---|
| ![](bbarpr3q256k_006.jpg) | 3Q25 Earnings Release p.35 |

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

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| | | | | |
|:---|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;**Banco BBVA Argentina S.A.** | &nbsp;&nbsp;**Banco BBVA Argentina S.A.** | &nbsp;&nbsp;**Banco BBVA Argentina S.A.** |
| &nbsp;&nbsp;Date: | &nbsp;&nbsp;November 25, 2025 | &nbsp;&nbsp;By: | &nbsp;&nbsp;/s/ Carmen Morillo Arroyo | &nbsp;&nbsp;/s/ Carmen Morillo Arroyo |
|  |  |  | Name: | &nbsp;&nbsp;Carmen Morillo Arroyo |
|  |  |  | Title: | &nbsp;&nbsp;Chief Financial Officer |

---