Table of Contents As filed with the Securities and Exchange Commission on April 15, 2021 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, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURS ...

Banco BBVA Argentina S.A. (NYSE:BBAR) Q4 2020 Earnings Conference Call March 10, 2021 10:00 AM ET Company Participants Ernesto Gallardo - CFO Ines Lanusse - IRO Javier Kelly - IRM Conference Call Participants Gabriel Nobrega - Citi 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 Fourth Quarter 2020 Results Conference Call. We would like to inform you that this event is being recorded and all parti ...

Banco BBVA Argentina S.A. (NYSE:BBAR) Q3 2020 Results Conference Call November 25, 2020 10:00 AM ET Company Participants Ernesto Gallardo - CFO Ines Lanusse - IRO Javier Kelly - IRM Conference Call Participants Gabriel Nobrega - Citi Alejandra Aranda - Itau 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 Third Quarter 2020 Results Conference Call. We would like to inform you that this event is bei ...

财务数据和关键指标变化 - 2020年第二季度净收入为26亿阿根廷比索，环比下降21.9%，同比下降70.1% [8] - 净利息收入为159亿阿根廷比索，环比下降8.4%，同比下降17.1% [9] - 政府证券收入环比下降10.2%，同比下降52.7% [10] - 贷款和其他融资的利息收入为142亿阿根廷比索，环比下降10.7% [10] - 净手续费收入为31亿阿根廷比索，环比增长57.3% [11] - 按公允价值计量的金融工具净收入为10亿阿根廷比索，环比下降 [12] - 资产收益为15亿阿根廷比索，环比下降3.2% [12] - 人员和行政费用为78亿阿根廷比索，环比下降7.8%，同比下降6% [13] - 效率比率为47.4%，较去年同期的36.1%有所恶化 [13] 各条业务线数据和关键指标变化 - 零售贷款组合环比下降0.2%，同比增长0.9% [15] - 商业贷款环比增长11.6%，同比下降10.3% [15] - 中小企业贷款发放超过205亿阿根廷比索，覆盖9000多家企业 [16] - 零利率贷款发放18亿阿根廷比索，覆盖自雇人士 [16] 各个市场数据和关键指标变化 - 私人部门贷款总额为2504亿阿根廷比索，环比增长5.4%，同比下降5% [14] - 私人部门存款总额为3670亿阿根廷比索，环比增长7.6%，同比下降8.5% [19] - 本地货币存款为2540亿阿根廷比索，环比增长14.6%，同比增长20.1% [19] 公司战略和发展方向和行业竞争 - 公司通过数字化转型提高了客户渗透率，数字客户渗透率达到69.3%，移动客户渗透率达到57.4% [7] - 公司实施了效率计划，连续两个季度减少开支 [7] - 公司通过政府支持措施和货币政策调整应对疫情带来的经济影响 [8][9] 管理层对经营环境和未来前景的评论 - 公司预计年底不良贷款率将达到3.53%，覆盖率将降至170% [24][25] - 公司预计净利息收入将保持稳定 [27] - 公司预计贷款组合将增长超过通胀率 [31][38] 其他重要信息 - 公司参与了国家财政部的自愿交换计划，将100%的Leliq头寸交换为2023年和2024年到期的BONCER [18] - 公司资本充足率为21.9%，一级资本比率为21.2% [20] - 公司流动性比率在比索和美元方面保持健康，分别为56.5%和80.3% [21] 问答环节所有的提问和回答 问题: 关于Molca的注销和额外拨备的预期 - 公司注销了Molinos Cañuelas的债务，预计年底不良贷款率为3.53%，覆盖率为170% [23][24][25] 问题: 关于净财务利润的预期 - 公司预计净利息收入将保持稳定，但由于Leliq的资本支付和交换计划，第三季度可能会有负面影响 [26][27] 问题: 关于资产质量的峰值预期 - 公司预计资产质量将在第四季度达到峰值，不良贷款率和拨备水平将有所增加 [30][31][33] 问题: 关于贷款增长的来源 - 贷款增长主要来自比索贷款和商业贷款，特别是24%利率和零利率的特殊贷款 [37][38] 问题: 关于税率的计算和预期 - 公司税率为44%，高于监管要求的30%，预计今年税率将保持在40%左右 [39][41]

Banco BBVA Argentina S.A. (NYSE:BBAR) Q1 2020 Earnings Conference Call June 9, 2020 11:00 AM ET Company Participants Javier Kelly - Investor Relations Manager Ines Lanusse - Investor Relation Officer Ernesto Gallardo - Chief Financial Officer Conference Call Participants Gabriel Nóbrega - Citibank Alonso Garcia - Credit Suisse Carlos Gomez - HSBC, New York 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 ...

Table of Contents As filed with the Securities and Exchange Commission on April 27, 2020 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, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURS ...

Banco BBVA Argentina S.A. (NYSE:BBAR) Q4 2019 Earnings Conference Call February 19, 2020 10:00 AM ET Company Participants Ernesto Gallardo - CFO Inés Lanusse - IRO Javier Kelly - IR Manager Conference Call Participants Alonso Garcia - Credit Suisse Gabriel Nóbrega - Citibank Carlos Gomez - HSBC Operator Good day, ladies and gentlemen and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina's Fourth Quarter 2019 Conference Call. [Operator Instructions] First of all, let me ...

BBVA Banco Francés S.A. (NYSE:BBAR) Q3 2019 Earnings Conference Call November 8, 2019 11:00 AM ET Company Participants Ines Lanusse - IRO Ernesto Gallardo - Chief Financial Officer Conference Call Participants Gabriel Nóbrega - Citibank Alonso Garcia - Credit Suisse 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 3Q '19 Results Conference Call. We would like to inform you that this event is being r ...

As filed with the Securities and Exchange Commission on May 10, 2019 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, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 O ...