Banco BBVA Argentina S.A. (NYSE:BBAR) Q3 2022 Earnings Conference Call November 23, 2022 10:00 AM ET Company Participants Belen Fourcade - Investor Relations Ines Lanusse - Investor Relations Officer Conference Call Participants Operator Good morning, ladies and gentlemen, and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina's Third Quarter 2022 Results Conference Call. We would like to inform you that this event is being recorded and all participants will be in a lis ...

Banco BBVA Argentina S.A. (NYSE:BBAR) Q2 2022 Earnings Conference Call August 24, 2022 11:00 AM ET Corporate Participants Belén Fourcade - IR Ines Lanusse - IRO Conference Call Participants Carlos Gomez - HSBC Operator Good morning, ladies and gentlemen, and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina’s Second Quarter 2022 Results Conference Call. We would like to inform you that this event is being recorded and all participants will be in a listen-only mode duri ...

Banco BBVA Argentina S.A. (NYSE:BBAR) Q1 2022 Results Conference Call May 20, 2022 11:00 AM ET Company Participants Ernesto Gallardo - CFO Ines Lanusse - IRO Belén Fourcade - IR Conference Call Participants Rodrigo Nistor - AR Partners S.A. Carlos Gomez - HSBC Operator Good morning, ladies and gentlemen, and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina’s First Quarter 2022 Results Conference Call. We would like to inform you that this event is being recorded and a ...

Table of Contents As filed with the Securities and Exchange Commission on April 12, 2022 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURS ...

财务数据和关键指标变化 - 2021年公司净利润为212亿阿根廷比索 同比增长276亿比索 主要得益于利息和手续费收入增加 资产减值损失减少以及贷款损失拨备下降 [9] - 2021年累计ROAE为135% 高于2020年的109% 累计ROAA为20% 高于2020年的17% [9] - 2021年第四季度净利润为48亿比索 环比增长278% 季度ROAE为118% 季度ROAA为18% [10] - 2021年第四季度净利息收入为336亿比索 环比增长43% 同比增长139% [11] - 2021年第四季度手续费收入为58亿比索 环比下降145% 同比增长379% [13] 各条业务线数据和关键指标变化 - 2021年第四季度私人部门贷款总额为3884亿比索 环比增长37% 同比下降111% [15] - 以比索计价的私人部门贷款环比增长68% 同比下降65% 主要受其他贷款 贴现工具和信用卡贷款增长推动 [15] - 以外币计价的私人部门贷款环比下降292% 同比下降518% 主要由于出口预融资和融资 贴现工具及其他贷款需求疲软 [16] - 零售贷款实际价值环比增长22% 同比下降79% 其中消费贷款增长41% 信用卡贷款增长31% [16] - 商业贷款实际价值环比增长61% 同比下降162% 主要受第四季度营销活动推动 [17] 各个市场数据和关键指标变化 - 2021年第四季度私人部门贷款市场份额为805% 低于2020年同期的849% [17] - 2021年第四季度私人存款市场份额为695% 低于2020年同期的713% [19] 公司战略和发展方向和行业竞争 - 公司致力于数字化转型 2021年12月数字客户渗透率达到74% 移动客户渗透率达到64% [7] - 公司通过营销活动积极吸引新客户 特别是在中小企业领域 [27] - 公司预计2022年实际贷款增长5% 高于行业预计的11%收缩 有望获得市场份额 [25] 管理层对经营环境和未来前景的评论 - 疫情改善推动经济活动复苏 对金融系统产生积极影响 [6] - 预计2022年通胀率约为55% 私人贷款实际增长5% 私人存款收缩3% [23] - 预计2022年盈利能力保持稳定 可能略有下降 主要受通胀上升和客户获取成本增加影响 [29] 其他重要信息 - 2021年第四季度资产质量比率为187% 低于第三季度的254% 主要由于贷款组合表现良好 不良贷款核销以及贷款总额增加 [18] - 2021年第四季度资本充足率为208% 低于第三季度的235% 主要由于宣布分配65亿比索股息 [20] - 公司计划在2022年分配130亿比索股息 分12期支付 需获得央行批准 [33] 问答环节所有的提问和回答 问题: 2022年和2023年的增长预期 - 预计2022年实际贷款增长5% 高于行业预计的11%收缩 主要由于第四季度营销活动吸引新客户 [25][27] 问题: 2022年盈利能力预期 - 预计2022年盈利能力保持稳定 可能略有下降 主要受通胀上升和客户获取成本增加影响 尽管利率上升可能改善利润率 [29][31] 问题: 股息分配计划 - 计划在2022年分配130亿比索股息 分12期支付 需获得央行批准 目前不计划宣布2022年额外股息 [33][37] 问题: 股息分配时间安排 - 股息分配需等待2021年业绩在4月29日股东大会上获得批准 然后提交央行审批 具体时间取决于央行审批速度 [40][41]

Banco BBVA Argentina S.A. (NYSE:BBAR) Q2 2021 Earnings Conference Call August 25, 2021 11:00 AM ET Company Participants Belen Fourcade - Investor Relations Ines Lanusse - Investor Relations Officer Conference Call Participants Gabriel Nobrega - Citigroup Carlos Gomez - HSBC Rodrigo Nistor - AR Partners Operator Good morning ladies and gentlemen and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina's Second Quarter 2021 Results Conference Call. We would like to inform y ...

Banco BBVA Argentina S.A. (NYSE:BBAR) Q1 2021 Results Conference Call May 27, 2021 11:00 AM ET Company Participants Belén Fourcade - IR Ines Lanusse - IRO Ernesto Gallardo - CFO Conference Call Participants Gabriel Nóbrega - Citigroup Carlos Gomez - HSBC Operator Good morning, ladies and gentlemen, and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina's First Quarter 2021 Results Conference Call. We would like to inform you that this event is being recorded and all p ...