SEC Form 6-K filed by Banco BBVA Argentina S.A. ADS

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 March 2026

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:

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):

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):

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:

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

Banco BBVA Argentina S.A.

TABLE OF CONTENTS

4Q25 Conference Call Thursday, March 5th 12:00 p.m. Buenos Aires Time (10:00 a.m. EST) To participate click here to register BBVA Argentina March 4th, 2026 Buenos Aires, Argentina 4Q25 & 2025 Earnings Release Better NII Better NIIafter stabilization of interest after stabilization of interest rates post midrates post mid--term elections and term elections and improvement in income from public improvement in income from public securitiessecurities NET INTEREST INCOME NET INTEREST INCOME Operating expenses under control, Operating expenses under control,within a disciplined management of within a disciplined management of efficiencyefficiency OPERATING EXPENSES OPERATING EXPENSES EFFICIENCY RATIO* (%) EFFICIENCY RATIO* (%) 45.9 45.9% % in 4Q25in 4Q25 Loan loss allowances Loan loss allowancesimpacted by impacted by continued continued deterioration of retail bookdeterioration of retail book, , with total portfolio still growingwith total portfolio still growing 297.3 297.3 bnbn LOAN LOSS ALLOWANCES LOAN LOSS ALLOWANCES 1 1 3 3 2 2 758.9 758.9 bnbn NET FEE INCOME NET FEE INCOME 132.7 132.7bnbn 537.5 537.5bnbn Highlights Highlights 4Q25 & 2025 Earnings Release 4Q25 & 2025 Earnings Release Operating expenses: Personnel benefits + Administrative expenses + Depreciation & Amortization + Other operating expenses Operating expenses: Personnel benefits + Administrative expenses + Depreciation & Amortization + Other operating expenses Financial margin: Net income from financial instruments at FV through P&L + Net loss from write Financial margin: Net income from financial instruments at FV through P&L + Net loss from write--down of assets at amortized costdown of assets at amortized costand fair value through OCI + Foreign exchange and gold gainsand fair value through OCI + Foreign exchange and gold gains *Quarterly efficiency ratio *Quarterly efficiency ratio 4Q25 Net 4Q25 Net IncomeIncome 4Q25 & 2025 Highlights 4Q25 & 2025 Highlights 4Q25 4Q25HighlightsHighlights Net Income Net Income ((AR$ billionAR$ billion, , INFLATION ADJUSTED)INFLATION ADJUSTED) ROA ROA ROE ROE +20.2% QoQ +20.2% QoQ +19.6% YoY +19.6% YoY +31.3% QoQ +31.3% QoQ +168.6% YoY +168.6% YoY +0.8% QoQ +0.8% QoQ - -9.8% YoY9.8% YoY - -1.173 bps QoQ1.173 bps QoQ Macroeconomic indicators December 31, 2025 Macroeconomic indicators December 31, 2025 Inflation: Inflation: 7.8%7.8%QoQ, QoQ, 31.5%31.5%YoY.YoY. Official FX A 3500: Official FX A 3500: AR$ 1,459.4AR$ 1,459.4(+6.8% QoQ, +41.3% YoY)(+6.8% QoQ, +41.3% YoY) TAMAR: TAMAR: 28.8% APR28.8% APR––33.0% APY33.0% APY +45% +45% - -43%43% - -10.2% QoQ10.2% QoQ +62.8% YoY +62.8% YoY 2025 2025HighlightsHighlights NET INTEREST INCOME NET INTEREST INCOME Expenses under control, Expenses under control,both personnel both personnel benefits and administrative expenses benefits and administrative expenses OPERATING EXPENSES OPERATING EXPENSES EFFICIENCY RATIO* (%) EFFICIENCY RATIO* (%) 53.9 53.9% % in 4Q25in 4Q25 Loan loss allowances impacted by loan Loan loss allowances impacted by loan book growth, with book growth, with higher provisioning on higher provisioning on retail bookretail book 805.1 805.1bnbn LOAN LOSS ALLOWANCES LOAN LOSS ALLOWANCES 1 1 3 3 2 2 2.72 2.72tntn NET FEE INCOME NET FEE INCOME 509.0 509.0 bnbn 2.14 2.14 tntn Operating expenses: Personnel benefits + Administrative expenses + Depreciation & Amortization + Other operating expenses Operating expenses: Personnel benefits + Administrative expenses + Depreciation & Amortization + Other operating expenses Financial margin: Net income from financial instruments at FV through P&L + Net loss from write Financial margin: Net income from financial instruments at FV through P&L + Net loss from write--down of assets at amortized costdown of assets at amortized costand fair value through OCI + Foreign exchange and gold gainsand fair value through OCI + Foreign exchange and gold gains *Annual Accumulated efficiency ratio *Annual Accumulated efficiency ratio **Adjusted NIM: (Quarterly Net Interest Income **Adjusted NIM: (Quarterly Net Interest Income --Net Monetary Position Results) / Average quarterly interest earning assets.Net Monetary Position Results) / Average quarterly interest earning assets. Fees Fees--toto--expenses ratios = (Net fee Income + Rental of safe deposit boxes) / (Personnel benefits + Adminsitrative expenses + Deprexpenses ratios = (Net fee Income + Rental of safe deposit boxes) / (Personnel benefits + Adminsitrative expenses + Depreciation and amortization)eciation and amortization) 2025 Net 2025 Net IncomeIncome - -29.4% YoY29.4% YoY +36.9% YoY +36.9% YoY +181.2% YoY +181.2% YoY - -1.9% YoY1.9% YoY Highlights Highlights 4Q25 & 2025 Earnings Release 4Q25 & 2025 Earnings Release 4Q25 & 2025 Highlights 4Q25 & 2025 Highlights - -835 bps YoY835 bps YoY Continued improvement in fee income Continued improvement in fee income. . Net monetary position more than offsets Net monetary position more than offsets NII decline in a transition period.NII decline in a transition period. Quarterly efficiency Ratio Quarterly efficiency Ratio (%, INFLATION ADJUSTED) (%, INFLATION ADJUSTED) Net Interest Income Net Interest Income (net of monetary position result)(net of monetary position result)& Adjusted & Adjusted NIM**NIM** (AR$ billion, INFLATION ADJUSTED) (AR$ billion, INFLATION ADJUSTED) Annualized Annualized Quarterly Quarterly Fees Fees--toto--Expenses Ratio Expenses Ratio (Fees / Expenses)(Fees / Expenses) (%, INFLATION ADJUSTED) (%, INFLATION ADJUSTED) Macroeconomic indicators December 31, 2025 Macroeconomic indicators December 31, 2025 Inflation: Inflation: 7.8%7.8%QoQ, QoQ, 31.5%31.5%YoY.YoY. Official FX A 3500: Official FX A 3500: AR$ 1,459.4AR$ 1,459.4(+6.8% QoQ, +41.3% YoY)(+6.8% QoQ, +41.3% YoY) TAMAR: TAMAR: 28.8% APR28.8% APR––33.0% APY33.0% APY Cost of Risk Cost of Risk (%, INFLATION ADJUSTED) (%, INFLATION ADJUSTED) NPL & COVERAGE NPL & COVERAGE PRIVATE LOANS PRIVATE LOANS PRIVATE DEPOSITS PRIVATE DEPOSITS PRIVATE DEPOSITS MARKET SHARE* PRIVATE DEPOSITS MARKET SHARE* *Based on daily information from BCRA. Capital balance as of last day of every quarter *Based on daily information from BCRA. Capital balance as of last day of every quarter Savings account includes special saving accounts and Checking accounts include interest Savings account includes special saving accounts and Checking accounts include interest--bearing checking accounts.bearing checking accounts. (AR$ BILLION, INFLATION ADJUSTED) (AR$ BILLION, INFLATION ADJUSTED) Real growth in a Real growth in a context of decelerationcontext of deceleration (%, CONSOLIDATED, (%, CONSOLIDATED, INFLATION ADJUSTEDINFLATION ADJUSTED)) C Cost of Risk: Current period loan loss allowances / Total average loans. ost of Risk: Current period loan loss allowances / Total average loans. Total average loans calculated as the average between loans at prior period end, and total loans in Total average loans calculated as the average between loans at prior period end, and total loans in the current period.the current period. Source: Informe sobre bancos, BCRA, December 2025. Source: Informe sobre bancos, BCRA, December 2025. Sustained m Sustained market share above arket share above two digitstwo digits PRIVATE LOAN AND DEPOSITS MARKET SHARE % PRIVATE LOAN AND DEPOSITS MARKET SHARE % vs 2019 vs 2019 TOTAL GROSS LOANS / TOTAL DEPOSITS TOTAL GROSS LOANS / TOTAL DEPOSITS * RPC includes 100% of quarterly results * RPC includes 100% of quarterly results CAPITAL RATIO % CAPITAL RATIO % (AR$ BILLION, INFLATION ADJUSTED) (AR$ BILLION, INFLATION ADJUSTED) *Based on daily information from BCRA. Capital balance as of last day of every quarter. Consolidates PSA, *Based on daily information from BCRA. Capital balance as of last day of every quarter. Consolidates PSA, VWFS & Rombo.VWFS & Rombo. Retail: consumer, mortgages, credit cards, pledge and loans to personnel. Retail: consumer, mortgages, credit cards, pledge and loans to personnel. Commercial: discounted instruments, overdrafts, financial leases, financing and prefinancing of exports, Commercial: discounted instruments, overdrafts, financial leases, financing and prefinancing of exports, other loans.other loans. BBVA loans BBVA loans BBVA deposits BBVA deposits 4Q25 & 2025 Highlights 4Q25 & 2025 Highlights 78% 78%85% 88%85% 88% 8,60% 10,08% 10,04% 8,60% 10,08% 10,04% 54% 44% 54% 44%44%44% TOTAL LIQUID ASSETS/ TOTAL DEPOSITS TOTAL LIQUID ASSETS/ TOTAL DEPOSITS 11,27% 11,27% 11,27% 11,27%11,91%11,91% PRIVATE LOANS MARKET SHARE* PRIVATE LOANS MARKET SHARE* +48% +48% +8% +8% +30% +30% +3% +3% +420 b +420 bpsps +290 +290 bpsbps System NPL System NPL 5.29% 5.29%**Dic 25Dic 25 BBVA loans BBVA loans BBVA deposits BBVA deposits 11.5% 11.5% 8% 8%

Banco BBVA Argentina S.A. announces Fourth Quarter and Fiscal Year 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 fourth quarter (4Q25), ended on December 31, 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 December 31, 2025.

4Q25 & 2025 Highlights

	4Q25 Earnings Release	p.2

Message from the CFO

After a third quarter that was marked by political instability, with its consequent monetary and exchange rate tensions, the results of the mid-term legislative elections reaffirmed support for the government's fiscal reform and order policy. This translated into a rapid normalization of financial variables, which returned to pre-event levels.

BBVA Research maintains a GDP growth forecast of 4.5% for 2025 and expects the growth scenario to continue, around 3% for 2026. Inflation has maintained a downward trend in 2025, ending the year at 31.5%, the lowest figure since 2017. For 2026, inflationary pressures are expected to continue subsiding, with an estimated level of 22%. Additionally, the Central Bank has announced the guidelines for a reserve purchase program, which it has started to implement since January and which would lay the groundwork for monetary variables to continue normalizing.

In this context, and a year that has ultimately been marked by the volatility of interest rates in the second half, and the progressive deterioration of credit quality in certain segments of the retail portfolio, BBVA Argentina continues to consolidate its growth strategy, reflecting its commitment to being a key player in the recovery of activity in Argentina.

BBVA Argentina's private sector loans increased by 7.6% in 4Q25 and 47.6% for the year, continuing the growth path of recent years which has led to a market share gain of 64 bps in 2025 to 11.9%, following a 142 bps increase in 2024. It is worth noting that on December 10, 2025, the closing of the transaction through which Banco BBVA Argentina S.A. acquired 50% of the share capital of FCA Compañía Financiera S.A. took place. With this milestone, the bank reinforces its commitment to financing the automotive market, with 62.2% of the market share for brand new car sales at the end of December 2025. Without considering this incorporation, private loans grew 4.8% QoQ and 43.8% YoY.

Deposits grew 3.9% in 4Q25, and 31.7% for the year, with a market share increase of 144 bps, reaching 10.04%. The performance of the retail, SMEs and corporate segments stands out, which, after years of stagnation, are beginning to show an incipient recovery.

In this line, on December 22, 2025, the bank secured a credit line of up to USD 150 million from the IFC (International Finance Corporation). With these funds, BBVA reaffirms its commitment to the productive sector, expanding its financing capacity for Small and Medium-sized Enterprises.

In 2025, BBVA Argentina demonstrated a strong commitment to sustainability, considering it a growth engine, by channeling $3,238,791 in sustainable financing, focused on climate change and social development. The Bank boosted sustainable business with specialists and offered more than 400 Advisory services, including the development of "Sustainevolve" with AI. An important milestone was the bidding for a Social Negotiable Obligation with River Plate to finance Casa River, a social impact project. Additionally, various training and awareness meetings on sustainability were organized for employees and customers.

In terms of profitability, the fourth quarter result was $59.3 billion. Although it continued to be affected by the retail non-performing loans, it shows a sequential growth versus the previous quarter, mainly driven by the recovery of net interest income.

Net income for the 2025 reached $267.4 billion, which translates into an accumulated ROE of 7.3%, higher than the Financial System's ROE of 4.4%. Despite the mentioned effects that affected the year's performance, a good evolution of net interest income stands out. Although it shows a real-term decrease explained by the abrupt drop in interest rates, this is more than offset by the lower negative impact of the inflation adjustment, given the reduction of inflation by more than 86 percentage points between 2024 and 2025.

Additionally, the fees and expense lines have been highlighted, in which we have activated efforts to reduce outlays and improve pricing, thereby achieving an improvement in efficiency, which stands at 45.9% for the quarter.

BBVA Argentina’s non-performing loan ratio on private loans reached 4.18% as of December 2025, a figure that remains below the system average of 5.29% for the same period. BBVA Argentina stands out for having consistently lower delinquency ratios than the sector average, which reflects the quality of its credit risk management and its prudent approach to portfolio origination. Regarding delinquency in the retail segment, although we understand it has multiple causes, we believe that as a result of the actions taken by the bank since the second quarter of 2025, it should peak during the next quarter and start to reverse the trend throughout the second quarter of 2026.

The Bank maintains a comfortable level of liquidity, which at the close of the quarter reaches 44.2% of its deposits.

	4Q25 Earnings Release	p.3

The capital ratio stood at 18.3%, reflecting a recovery compared to the previous quarter, mainly due to the recovery in the prices of public sector securities. It continues at comfortable levels that allow us to sustain our growth strategy for the coming years.

In line with our commitment to generating value for our shareholders, the Bank continued the payment of dividends corresponding to the 2024 fiscal year in 10 installments, having paid 9 of the 10 installments required by the Central Bank's regulations up to the date of this report.

In summary, despite the challenges of the environment, Banco BBVA Argentina has demonstrated notable resilience and effective management during 2025. Credit growth, non-performing loan levels below the system average, and the solidity in liquidity and capital are a testament to the quality of our risk management and our prudent approach. We reiterate our firm commitment to continue boosting activity, maintaining operational efficiency, and generating sustained value for our shareholders.”

Carmen Morillo Arroyo, CFO at BBVA Argentina

	4Q25 Earnings Release	p.4

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”) , Volkswagen Financial Services Compañía Financiera S.A (“VWFS”) and FCA Compañía Financiera S.A. ("FCA").

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, VWFS and FCA, 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.

	4Q25 Earnings Release	p.5

Quarterly Results

BBVA Argentina 4Q25 net income was $59.3 billion, increasing 44.5% QoQ and decreasing 30.3% YoY. This implied a quarterly ROAE of 6.5% and a quarterly ROAA of 0.9%.

The 44.5% increase in quarterly results was mainly explained by higher income, together with lower expenses. Increase in income was explained by (i) higher net interest income, (ii) an increase in net income from write-down of assets at amortized cost and at FV through OCI. Expenses improved both on the side of personnel benefits as on administrative expenses.

These effects were negatively offset by (i) higher loan loss allowances, (ii) higher operating expenses (mainly turnover tax) and (iii) lower fee income.

Net income from the net monetary position was 32.0% higher QoQ, in a context of increasing inflation (7.86% versus 5.97% in 3Q25¹).

It is important to mention that the incorporation of FCA Compañía Financiera was made at a patrimonial level on December 31, 2025, but not in the income statement.

¹ Source: Instituto Nacional de Estadística y Censos (INDEC)

	4Q25 Earnings Release	p.6

Lastly, total OCI in 4Q25 reported a $229.2 billion gain, 228.3% higher than the loss recorded in 3Q25, reflecting the impact of changes in the valuation of the sovereign securities portfolio amid a high volatility context in the pervious quarter, which improved significantly after the mid-term elections.

	4Q25 Earnings Release	p.7

12 Month Accumulated Results

In 2025, BBVA Argentina reported a net income of $267.4 billion, 43.2% lower than the one reported in 2024. This implied an accumulated ROE of 7.3% and an ROA of 1.1%, compared to an accumulated ROE of 12.5% and ROA of 2.5% for 2024.

This decrease in results is mainly explained by the deterioration in loan loss allowances in a context of a higher system delinquency ratio versus the previous year. Although a $1.13 trillion lower net interest income is observed, it is a product of lower inflation levels and therefore interest rates, and it is more than offset by lower outflows in the net monetary position result line by $1.37 trillion.

The 36.9% increase in fees stands out, resulting from proactive actions to improve this line, and in the line Foreign exchange and gold gains, the latter explained by the greater business generated after the partial lifting of capital controls on April 14, 2025.

Operating expenses remained under control, with a slight decrease of 1.8%.

	4Q25 Earnings Release	p.8

Lastly, the total OCI line in 2025 totaled a loss of $92.1 million, impacted by the result from financial instruments at fair value with changes in OCI. Therefore, the total comprehensive income for 2025 was a gain of $175.4 billion.

	4Q25 Earnings Release	p.9

Net Interest Income

Net interest income in 4Q25 was $758.9 billion, increasing 20.2% QoQ and 19.6% YoY. In 4Q25, interest income increased more than interest expense, in monetary and percentage terms, due to the reversal of the third quarter's rate hike process and the faster repricing speed of liabilities compared to assets. It is worth noting that the net interest income in 4Q25 exceeds, in real terms, that of 2Q25, which was prior to the aforementioned abrupt rate hike

In 4Q25, interest income totaled $1.57 trillion, increasing 10.8% compared to 3Q25 and 38.2% compared to 4Q24. While income from loans increased by 6.9%, that from public securities increased by 23.8%.

Income from loans and other financing totaled $1.14 trillion, increasing 6.9% QoQ and 63.8% YoY. The 22.2% increase in the discounted instruments line, and the 18.3% increase in credit cards stand out.

On the other hand, interest income from overdrafts falls 11.0% given the nature of the product and its short duration, which allows it to quickly capture rate changes in a context where average rates decreased.

	4Q25 Earnings Release	p.10

Income from public securities increased by 23.8% QoQ, and 13.2% YoY. 86% of the results correspond to public securities at fair value with changes in OCI, and 14% correspond to amortized cost securities (mainly bonds used for minimum cash integration).

Income from CER/UVA adjustments increased 22.1% QoQ and decreased 28.5% YoY. This is explained by (i) higher income from UVA-adjusted loans and (ii) higher income from CPI-linked public securities. It should be noted that the inflation for the quarter was higher than the previous one, and the CER index accrued by products with this adjustment was lower, given the lag with which it is applied. 61% of the interest income from CER/UVA adjustments is explained by the interest generated by securities tied to this index, while 39% is explained by loans.

Interest expenses totaled $809.4 billion, reflecting an increase of 3.3% QoQ, and 61.8% YoY. The increase in the quarter is a result of higher time deposit expenses, followed by higher passive reverse REPO expenses. Interest on time deposits (including investment accounts, excluding interest on CER/UVA adjustments on time deposits) accounts for 75% of total interest expenses, an increase compared to 74% in the previous quarter. Interest on time deposits increased 5.1% QoQ, and 81.6% YoY.

NIM²

As of 4Q25, the total Net Interest Margin (NIM) was 17.5%, higher than the 15.2% in 3Q25 and below the 20.2% in 4Q24. While the NIM in pesos in 4Q25 increased by 277 bps to 20.2%, the NIM in dollars fell by 91 bps to 4.8%. In the quarter, the increase in NIM is mainly explained by a better yield on public securities and loans in pesos, while the drop in USD NIM is explained by a higher volume and rate of interest-bearing liabilities.

In the annual comparison, 2025 versus 2024, although the total nominal NIM presents a considerable drop, it should be understood that this is a consequence of the rapid decrease in inflation and therefore the level of rates, and is more than offset by the lower cost of the inflation adjustment (Net monetary position result). In this way, the annual NIM in real terms has a much lower drop (see the first section of the document that graphs this situation).

² The calculation does not include FCA. Prior period figures may vary due to calculation corrections.

	4Q25 Earnings Release	p.11

	4Q25 Earnings Release	p.12

Net Fee Income

Net fee income in 4Q25 totaled $132.8 billion, decreasing 10.2% QoQ and increasing 62.8% YoY. The quarterly decrease is explained by a smaller increase in income than in expenses, both in monetary and percentage terms.

In 4Q25, fee income of $228.8 billion increased 2.1% compared to 3Q25 and 26.1% versus 4Q24. The improvement in income is mainly explained by improvements in the credit card line, where price strategy alignments continue to be captured, in addition to a year-end seasonality factor.

On the side of fee expenses, they totaled $96.0 billion, showing an increase of 25.8% QoQ and a decrease of 3.8% YoY. In the quarter, this is mainly explained by higher expenses for credit and debit cards, primarily due to the seasonality of the quarter with higher processing and promotion expenses.

	4Q25 Earnings Release	p.13

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

In 4Q25, the net result from the measurement of financial instruments valued at fair value through P&L was $8.2 billion, decreasing 66.3% in the quarter, and 83.7% compared to 4Q24.

The quarterly result is mainly explained by a drop in the results from public securities line, primarily due to a reduction in the average volume of the bond portfolio valued at Fair Value through P&L.

The total result of foreign currency exchange and gold gains generated a gain of $50.1 billion in 4Q25, decreasing 4.7% in the quarter.

The quarterly decrease in foreign currency exchange and gold gains is mainly explained by a lower result from the conversion to pesos of assets and liabilities in foreign currency, offset by an increase in the result from trading of foreign currency, with a devaluation during the quarter that was lower than the inflation for the period.

	4Q25 Earnings Release	p.14

Other Operating Income

In 4Q25, the other operating income line totaled $82.3 billion, increasing 7.0% QoQ, and 74.8% YoY. It is important to note the 142.0% increase in recovered loans, in line with efforts for improved delinquency management.

	4Q25 Earnings Release	p.15

Operating Expenses

Personnel Benefits & Administrative Expenses

As of 4Q25, expenses for personnel benefits and administrative expenses totaled $281.3 billion, showing a decrease of 11.0% compared to 3Q25, and 25.2% compared to 4Q24 in real terms, thanks to the bank's strategy in terms of efficiency.

The quarterly efficiency ratio for 4Q25 was 45.9%, lower than the 57.6% in 3Q25 and the 70.1% registered in 4Q24.

The accumulated efficiency ratio for 4Q25 was 53.9%, lower than the 56.8% in 3Q25 and inferior to the 62.2% registered in 4Q24. The improvement in the accumulated ratio compared to the same period of the previous year is mainly due to a drop in expenses, and an increase in revenues, particularly due to better fee income, and a lower results from monetary position.

	4Q25 Earnings Release	p.16

Other Operating Expenses

In 4Q25, other operating expenses totaled $223.9 billion, increasing 17.5% QoQ, and 20.1% YoY.

The quarter highlighted an increase in (i) Turnover tax, followed by (ii) Other allowances, and (iii) Result from the initial loss of loans below market rate. In the case of turnover tax, the increase is explained by higher credit activity, while in the result from the initial loss of loans, it is related to seasonality with higher promotions. Regarding other allowances, in 4Q25 there were lower write-offs for contingent lines, with lower volume, which generated a recovery of provisions. This contrasts with 3Q25 where contingent lines also fell but to a lesser extent than the previous quarter.

Income from Associates

In 4Q25, the results from associates item, which represents the earnings from non-consolidated companies, recorded a gain of $3.0 billion, and in the accumulated result for 2025, a gain of $12.0 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. The results include the $1.0 billion generated by the purchase of FCA.

Income Tax

The accumulated income tax for 2025 showed a loss of $162.1 billion. The accumulated income tax for 2024 registered a loss of $114.2 billion.

The accumulated effective tax rate for 2025 was 38%³, while in 2024 it was 20% .

³ Income tax, in accordance with IAS No. 34, is recognized in interim periods based on the best estimate of the weighted average tax rate that the Entity expects for the year.

	4Q25 Earnings Release	p.17

Balance Sheet and Activity

Loans and other financing

	4Q25 Earnings Release	p.18

As of 4Q25, the private loan portfolio totaled $14.8 trillion, increasing 7.6% QoQ, and 47.6% YoY. It is important to mention that the completion of the FCA purchase affects the final loan balance as of 4Q25 by $385.8 trillion. Taking this into account, the quarterly variation in private loans would have been 4.8% and 43.8% for the year, without the effect of FCA⁴.

The growth of private loans was mainly due to the growth of the loanbook in pesos, with a bias towards the commercial segment. In total currency, the products with the highest growth were (i) discounted instruments, and (ii) pledge loans.

On the peso portfolio, the main lines were (i) discounted instruments, (ii) pledge loans, and (iii) credit cards. In the case of pledge loans, these are affected by the incorporation of the FCA portfolio following the acquisition of 50% of the company. In the particular case of consumer loans, the origination policies taken in a context of greater prudence regarding cost of risk and delinquency were reflected in a 2.2% drop in this line.

Loans to the private sector denominated in foreign currency increased 1.8% in the quarter and 98.0% compared to 4Q24. The increase in the quarter is mainly due to a rise in commercial loans, particularly pre-financing and financing of exports. Loans to the private sector denominated in foreign currency measured in U.S. dollars increased 2.7% in the quarter and 84.2% YoY, while the depreciation of the Argentine peso against the U.S. dollar in those periods of the previous year was 6.4% and 29.3%, respectively.

In 4Q25, total loans and other financing amounted to $15.1 trillion, an increase of 7.5% QoQ, and 48.8% YoY.

In nominal terms, BBVA Argentina managed to increase the retail, commercial, and total loan portfolios by 14.2%, 17.4%, and 15.9% respectively during the quarter, surpassing the inflation level in all cases.

The ratio of total loans to assets is 57%, versus 57% in 3Q25 and 51% in 4Q24.

⁴ The transaction through which Banco BBVA Argentina S.A. acquired 50% of the share capital of FCA Compañía Financiera S.A. ("FCA") was closed on December 10, 2025. This acquisition is consolidated at the balance sheet level on the last day of December 2025, affecting loan balances.

	4Q25 Earnings Release	p.19

	4Q25 Earnings Release	p.20

Asset Quality