The bank's capital adequacy is under pressure, with the equity-to-assets ratio declining to 0.16 in 2026Q1 from 0.26 in 2024Q1, driven by rapid nominal asset expansion.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Jun'98 | Jun'97 | Jun'96 |
|---|
| Cash & Short Term Investments | 21.37T | 6.65T | 5.16T | 3.93T | 913.64B | 750.64B | 422.05B | 274.28B | 190.24B | 81.67B | 105.98B | 27.97B | 12.56B | 12.88B | 8.61B | 6.35B | 5.69B | 5.26B | 4.24B | 3.17B | 2.56B | 1.61B | 1.68B | 1.65B | 863.92M | 532.39M | 509.97M | 385.92M | 838.43M | 361.8M | 170.9M |
| Cash & Due from Banks | 4.01T | 4.75T | 2.82T | 2.49T | 296.3B | 425.19B | 229.49B | 212.73B | 152.46B | 56.45B | 88.75B | 27.97B | 12.56B | 12.88B | 8.61B | 6.35B | 5.69B | 5.26B | 4.24B | 3.17B | 2.56B | 1.61B | 1.68B | 1.65B | 863.92M | 532.39M | 509.97M | 385.92M | 838.43M | 361.8M | 170.9M |
| Short Term Investments | 3.57T | 1.89T | 2.34T | 1.44T | 617.34B | 325.45B | 192.56B | 61.54B | 37.79B | 25.22B | 17.23B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 19.4T | 17.29T | 8.87T | 5.65T | 1.33T | 1.09T | 615.9B | 329.87B | 311.52B | 216.83B | 161.44B | 72.66B | 54.03B | 40.41B | 32.94B | 28.79B | 24.31B | 19.07B | 17.84B | 16.58B | 13.89B | 11.98B | 10.7B | 8.56B | 7.36B | 6.66B | 6.5B | 4.91B | 4.87B | 2.43B | 2.06B |
| Investments Growth % | 370.3% | 95.01% | 56.82% | 326.65% | 21.58% | 76.97% | 86.71% | 5.89% | 43.67% | 34.31% | 122.19% | 34.47% | 33.72% | 22.68% | 14.41% | 18.45% | 27.44% | 6.92% | 7.59% | 19.38% | 15.92% | 11.97% | 25.02% | 16.22% | 10.6% | 2.44% | 32.34% | 0.9% | 100.64% | 17.77% | 20.44% |
| Long-Term Investments | 61.44T | 15.4T | 6.52T | 4.21T | 707.77B | 764.49B | 423.34B | 268.32B | 273.74B | 191.61B | 144.2B | 72.66B | 54.03B | 40.41B | 32.94B | 28.79B | 24.31B | 19.07B | 17.84B | 16.58B | 13.89B | 11.98B | 10.7B | 8.56B | 7.36B | 6.66B | 6.5B | 4.91B | 4.87B | 2.43B | 2.06B |
| Accounts Receivables | 0 | 0 | 1.1T | 699.2B | 0 | 0 | 0 | 0 | 0 | 32.88M | 1.22M | 671K | 744K | 3.48M | 6.11M | 1.82M | 1.96B | 1.17B | 2.84B | 21.85M | 1.2B | 1.07B | 1.17B | 1.94B | 748.66M | 4.05B | 2.56B | 2.28B | 3.2B | 17.3M | 21.4M |
| Goodwill & Intangibles | 137.91B | 119.29B | 69.23B | 72.16B | 9.62B | 7.16B | 2.35B | 1.06B | 975.21M | 592.15M | 315.81M | 236.86M | 144.67M | 120.75M | 117.33M | 80.98M | 66.55M | 59.84M | 55.33M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 137.81B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 585.74M | 3.48M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 99.68M | 119.29B | 69.23B | 72.16B | 9.62B | 7.16B | 2.35B | 1.06B | 975.21M | 6.41M | 312.33M | 236.86M | 144.67M | 120.75M | 117.33M | 80.98M | 66.55M | 59.84M | 55.33M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 970.04B | 896.31B | 646.55B | 649.41B | 96.1B | 99.19B | 50.97B | 35.49B | 26.06B | 4.34B | 2.96B | 1.26B | 1.18B | 876.56M | 647.81M | 602.95M | 523.61M | 486.48M | 441.67M | 399.79M | 397.37M | 375.63M | 384.34M | 409.77M | 249.69M | 248.38M | 264.78M | 229.55M | 221.46M | 92.9M | 90.8M |
| Other Assets | 1.11T | 5.42T | 791.15B | 3.43T | -1.52B | 336.29B | 110.66B | 22.14B | 25.91B | 23.98B | 17.21B | -1.14B | -440.4M | -71.14M | 4.32M | -214.49M | 33.23M | 31.15M | 412.57M | 452.37M | 363.53M | 284.79M | 1.37B | 3.06B | 779.69M | 1.54B | 898.3M | 1.02B | 1.93B | 1.23B | 1.04B |
| Total Current Assets | 7.57T | 3.51T | 6.66T | 4.94T | 920.06B | 798.27B | 449.81B | 287.18B | 229.49B | 98.23B | 120.68B | 37.73B | 19.38B | 17.19B | 11.08B | 9.75B | 7.65B | 6.74B | 7.08B | 4.49B | 3.75B | 2.68B | 2.85B | 3.59B | 1.61B | 4.58B | 3.07B | 2.67B | 4.04B | 379.1M | 192.3M |
| Total Non-Current Assets | 18.14T | 21.89T | 8.06T | 8.37T | 813.49B | 1.21T | 596.25B | 331.13B | 326.68B | 220.55B | 164.9B | 73.01B | 54.91B | 41.33B | 33.71B | 29.26B | 24.93B | 19.65B | 18.75B | 17.55B | 15.06B | 13.3B | 13.32B | 13.02B | 8.56B | 8.64B | 7.87B | 6.28B | 7.13B | 3.77B | 3.21B |
| Total Assets | 25.71T | 25.4T | 14.72T | 13.31T | 1.96T | 2.01T | 1.05T | 618.31B | 556.17B | 318.78B | 285.58B | 110.74B | 74.29B | 58.52B | 44.78B | 39.01B | 32.58B | 26.39B | 25.83B | 22.03B | 18.81B | 15.98B | 16.17B | 16.61B | 10.18B | 13.22B | 10.93B | 8.95B | 11.17B | 4.15B | 3.4B |
| Asset Growth % | 308.9% | 72.55% | 10.63% | 579.26% | -2.46% | 91.98% | 69.18% | 11.17% | 74.47% | 11.63% | 157.89% | 49.06% | 26.94% | 30.68% | 14.82% | 19.72% | 23.45% | 2.19% | 17.21% | 17.14% | 17.73% | -1.17% | -2.67% | 63.21% | -23.02% | 20.9% | 22.2% | -19.87% | 169.38% | 21.84% | 33.05% |
| Return on Assets (ROA) | 1.31% | 1.57% | 2.57% | 4.48% | 20.12% | 3.73% | 3.55% | 5.61% | -0.71% | 0.97% | 1.84% | 4.09% | 4.83% | 3.92% | 3.02% | 2.81% | 4.06% | 2.75% | 1.34% | 1.15% | 1.03% | 0.73% | -0.33% | -2.63% | 0.27% | 1.38% | 0.96% | 0.54% | 1.12% | 2.83% | 2.48% |
| Accounts Payable | 0 | 188.53M | 170.83M | 27.99M | 127.19M | 68.56M | 62.7M | 495.13M | 147.17M | 49.37M | 44.29M | 163K | 417.03M | 162.48M | 757.07M | 547.69M | 0 | 82K | 65K | 6.3K | 0 | 6.41M | 122.99M | 0 | 0 | 0 | 0 | 0 | 45.69M | 12.7M | 15.6M |
| Total Debt | 735.47B | 1.96T | 349B | 140.25B | 75.06B | 29.49B | 20.7B | 21.74B | 12.33B | 4.47B | 4.84B | 3.77B | 2.58B | 1.96B | 1.42B | 1.3B | 0 | 0 | 0 | 0 | 248.31M | 286.36M | 384.43M | 1.62B | 170.24M | 177.87M | 183.56M | 153.17M | 1.13B | 447M | 602.1M |
| Net Debt | -3.27T | -2.79T | -2.47T | -2.35T | -272.2B | -395.7B | -208.79B | -190.99B | -140.13B | -51.98B | -83.91B | -24.2B | -9.98B | -10.92B | -7.2B | -5.05B | -5.69B | -5.26B | -4.24B | -3.17B | -2.31B | -1.32B | -1.3B | -28.98M | -693.68M | -354.53M | -326.41M | -232.75M | 296.04M | 85.2M | 431.2M |
| Long-Term Debt | 668.58B | 871.37B | 316.6B | 89.06B | 62.21B | 23.79B | 16.25B | 18.31B | 12.31B | 4.05B | 4.59B | 3.72B | 2.51B | 1.87B | 1.36B | 1.28B | 0 | 0 | 0 | 0 | 248.31M | 286.36M | 384.43M | 1.62B | 170.24M | 177.87M | 183.56M | 153.17M | 149.97M | 0 | 0 |
| Short-Term Debt | 66.9B | 468.23B | 0 | 0 | 0 | 0 | 0 | 0 | 22.03M | 421.39M | 249M | 49.04M | 73.11M | 93.75M | 51.94M | 18.45M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 984.5M | 447M | 602.1M |
| Other Liabilities | 3.23T | 19.93T | 1.75T | 2T | 710.68B | 247.73B | 122.13B | 80.23B | 70.28B | 32.4B | 25.27B | 14.43B | 8.14B | 4.64B | 2.77B | -546.33M | 4.2B | 3.69B | 3.29B | 4.72B | 3.9B | 3.09B | 4.72B | 4.96B | 2.03B | 3.89B | 3.17B | 2.8B | 4.24B | 854.2M | 555.2M |
| Total Current Liabilities | 17.78T | 468.05B | 9.93T | 7.94T | 40.84M | 1.38T | 722.19B | 401.52B | 400.44B | 229.35B | 212.56B | 77.6B | 52.47B | 44.41B | 35.28B | 34.24B | 24.45B | 19.56B | 20.21B | 15.02B | 12.49B | 10.61B | 9.19B | 8.11B | 6.89B | 8.01B | 6.58B | 5.25B | 6.03B | 2.65B | 2.29B |
| Total Non-Current Liabilities | 3.91T | 21.39T | 2.17T | 2.29T | 860.63B | 310.57B | 150.98B | 101.97B | 85.67B | 39.92B | 34.49B | 19.08B | 11.21B | 6.78B | 4.26B | 814.13M | 4.2B | 3.69B | 3.29B | 4.72B | 4.15B | 3.37B | 5.11B | 6.58B | 2.2B | 4.07B | 3.35B | 2.95B | 4.39B | 854.2M | 555.2M |
| Total Liabilities | 21.69T | 21.86T | 12.1T | 10.22T | 1.59T | 1.69T | 873.17B | 503.49B | 486.11B | 269.27B | 247.05B | 96.68B | 63.68B | 51.2B | 39.53B | 35.06B | 28.65B | 23.25B | 23.5B | 19.74B | 16.64B | 13.99B | 14.3B | 14.69B | 9.09B | 12.08B | 9.93B | 8.21B | 10.42B | 3.5B | 2.85B |
| Total Equity | 4.02T | 3.54T | 2.62T | 3.08T | 365.88B | 317.54B | 172.89B | 114.82B | 70.06B | 49.52B | 38.52B | 14.05B | 10.61B | 7.33B | 5.25B | 3.95B | 3.93B | 3.14B | 2.32B | 2.29B | 2.17B | 1.99B | 1.87B | 1.92B | 1.08B | 1.14B | 1B | 741.75M | 748.25M | 644.5M | 557.2M |
| Equity Growth % | 142.22% | 35.43% | -15.09% | 742.03% | 15.22% | 83.66% | 50.58% | 63.89% | 41.48% | 28.54% | 174.09% | 32.49% | 44.75% | 39.59% | 32.9% | 0.62% | 25.05% | 35.09% | 1.32% | 5.8% | 8.97% | 6.36% | -2.56% | 77.02% | -4.82% | 13.71% | 35.09% | -0.87% | 16.1% | 15.67% | 11.84% |
| Equity / Assets (Capital Ratio) | 15.65% | 13.95% | 17.77% | 23.15% | 18.68% | 15.81% | 16.53% | 18.57% | 12.6% | 15.53% | 13.49% | 12.69% | 14.28% | 12.52% | 11.72% | 10.13% | 12.05% | 11.9% | 9% | 10.41% | 11.53% | 12.45% | 11.57% | 11.56% | 10.66% | 8.62% | 9.16% | 8.29% | 6.7% | 15.55% | 16.38% |
| Return on Equity (ROE) | 8.96% | 10.23% | 12.65% | 19.82% | 116.77% | 23.25% | 20.54% | 35.63% | -5.22% | 6.65% | 13.86% | 30.69% | 35.73% | 32.19% | 27.47% | 25.53% | 33.92% | 26.3% | 13.92% | 10.54% | 8.65% | 6.07% | -2.87% | -23.42% | 2.79% | 15.57% | 10.92% | 7.33% | 12.32% | 17.76% | 14% |
| Book Value per Share | 19700.64 | 17344.90 | 12807.82 | 15084.74 | 1791.47 | 1554.76 | 846.53 | 562.21 | 343.05 | 258.45 | 215.25 | 78.53 | 59.28 | 40.95 | 29.34 | 21.60 | 21.96 | 19.27 | 13.00 | 12.83 | 12.07 | 11.13 | 12.68 | 13.58 | 13.64 | 14.33 | 12.60 | 10.40 | 11.96 | 11.47 | 10.29 |
| Tangible BV per Share | 19025.38 | 16760.82 | 12468.86 | 14731.42 | 1744.38 | 1519.71 | 835.05 | 557.01 | 338.28 | 255.36 | 213.49 | 77.21 | 58.47 | 40.28 | 28.68 | 21.16 | 21.59 | 18.90 | 12.69 | 12.83 | 12.07 | 11.13 | 12.68 | 13.58 | 13.64 | 14.33 | 12.60 | 10.40 | 11.96 | 11.47 | 10.29 |
| Common Stock | 613M | 612.77M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.66M | 612.66M | 536.88M | 536.88M | 536.88M | 536.88M | 536.88M | 536.88M | 536.36M | 536.36M | 471.36M | 471.57M | 470.73M | 471.16M | 475M | 369.75M | 209.63M | 209.63M | 209.63M | 186.56M | 0 | 0 | 0 |
| Additional Paid-in Capital | 0 | 1.19T | 6.74B | 6.74B | 6.74B | 77.58B | 39.83B | 26.39B | 19.37B | 12.59B | 1.98B | 182.51M | 182.51M | 182.51M | 182.51M | 182.51M | 0 | 175.13M | 175.13M | 904.15M | 174.9M | 175.06M | 1.2B | 938.32M | 343.21M | 343.21M | 340.09M | 261.95M | 0 | 0 | 0 |
| Retained Earnings | 352.02B | 2.26T | -367.21B | -369.31B | -143.26B | -66.53B | -87.98B | -26.12B | -10.28B | 761.2M | 5.06B | 12.68B | 9.3B | 6.12B | 4.1B | 2.84B | 2.63B | 1.92B | 594.39M | 1.14B | 993.79M | 611.53M | -990.19M | -1.19B | 156.65M | 251.96M | 201.86M | 224.16M | 223.96M | 92.8M | 142.2M |
| Accumulated OCI | 2.23T | -20.8B | 2.03T | 2.5T | 833.98B | 243.6B | 188.72B | 93.15B | 46.77B | 26.51B | 21.91B | 0 | 0 | 0 | 0 | 0 | 0 | -14.13M | -181.12M | -458.64M | 312.56M | 543.03M | 1.01B | 1.64B | 232.26M | 205.76M | 189.02M | 68.89M | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Hyperinflationary Sovereign Exposure
According to recent financial statements, BBAR's total assets grew from 8.1 trillion ARS in 2024Q1 to 25.7 trillion ARS by 2026Q1, a trend that appears primarily driven by nominal inflationary adjustments rather than meaningful organic expansion of the bank's core private-sector loan book.
The rapid growth in the asset base masks a potential stagnation in real lending activity, as the bank increasingly pivots toward holding government-linked securities. Investors should monitor whether this asset trajectory reflects a strategic choice to minimize credit risk or a forced response to the lack of viable private-sector lending opportunities.
As reported in the bank's quarterly filings, the equity-to-assets ratio has compressed from 0.26 in 2024Q1 to 0.16 in 2026Q1, suggesting that the bank's capital buffer is being eroded by the rapid expansion of the balance sheet in a hyperinflationary environment.
While the current capital position appears adequate for existing operations, the downward trend warrants further investigation into the bank's ability to absorb potential shocks from sovereign debt volatility. The reliance on retained earnings to bolster capital is likely constrained by the ongoing regulatory restrictions on dividend distributions.
Based on the latest balance sheet data, BBAR maintains a significant investment securities portfolio of 19.4 trillion ARS as of 2026Q1, which represents a substantial portion of total assets and indicates a high reliance on government-linked instruments for liquidity management.
This concentration in investment securities suggests that the bank's liquidity profile is intrinsically tied to the performance and creditworthiness of the Argentine National Treasury. Such a structure may leave the bank vulnerable to sudden shifts in government policy or market demand for sovereign debt instruments.
Data from recent filings indicates that BBAR's investment securities portfolio has surged to 19.4 trillion ARS, a development that suggests the bank is effectively acting as a primary financing vehicle for the sovereign rather than a traditional commercial lender to the private sector.
This non-obvious risk implies that the bank's balance sheet health is highly correlated with the fiscal stability of the Argentine state. Investors should consider that any deterioration in the sovereign's credit profile could lead to significant valuation adjustments in the bank's largest asset class.
Quick answers to the most common questions about buying BBAR stock.
As of 2025, Banco BBVA Argentina S.A. (BBAR) had total assets of $25.40T including $3.51T in current assets.
Banco BBVA Argentina S.A. (BBAR) carries total debt of $1.96T. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Banco BBVA Argentina S.A. (BBAR) has total shareholders' equity (book value) of $3.43T ($17344.90 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Banco BBVA Argentina S.A. (BBAR) reported a current ratio of 7.49x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.