v3.26.1
SEGMENT REPORTING (Tables)
12 Months Ended
Dec. 31, 2025
SEGMENT REPORTING  
Summary of segment information

Personal and

Asset

Business

Corporate

Bank

Management and

Total as of

Asset by segments

  ​ ​ ​

Banking

  ​ ​ ​

Banking

  ​ ​ ​

Treasury

  ​ ​ ​

Insurance

  ​ ​ ​

Other Services

  ​ ​ ​

Adjustments

  ​ ​ ​

12.31.2025

Cash and due from banks

 

205,935,976

 

11,117,258

 

1,261,552,983

 

16,714

 

121,866,134

 

(1,302,601)

 

1,599,186,464

Debt securities at fair value through profit or loss

 

2,150,212

 

7,552,770

 

163,152,090

 

14,960,191

 

63,628,667

 

(1,937,429)

 

249,506,501

Loans and other financing

 

1,892,290,769

 

1,834,735,962

 

30,073,642

 

 

2,755,497

 

5,622,356

 

3,765,478,226

Other debt securities

 

 

739,981,909

 

6,285,032

 

45,029,325

 

13,611,562

 

804,907,828

Other Assets

 

201,291,506

 

37,027,755

 

1,032,976,692

 

14,815,052

 

156,665,132

 

(92,290,261)

 

1,350,485,876

Total Assets

 

2,301,668,463

 

1,890,433,745

 

3,227,737,316

 

36,076,989

 

389,944,755

 

(76,296,373)

 

7,769,564,895

Personal and

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Asset

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Businesses

Corporate

Bank

Management and

Total as of

Liabilities by segments

Banking

Banking

Treasury

Insurance

Other Services

Adjustments

12.31.2025

Deposits

 

2,168,241,412

 

1,195,544,459

 

1,757,563,435

 

 

 

(2,462,827)

 

5,118,886,479

Financing received from the Argentine Central Bank and others

 

222,602

 

7,126

 

480,585,822

 

 

509,649

 

(531,457)

 

480,793,742

Unsubordinated Debt Securities

 

 

178,844,583

 

 

 

(3,978,185)

 

174,866,398

Other liabilities

 

173,457,827

 

75,765,562

 

490,018,579

 

9,588,526

 

174,785,806

 

85,330,241

 

1,008,946,541

Total Liabilities

 

2,341,921,841

 

1,271,317,147

 

2,907,012,419

 

9,588,526

 

175,295,455

 

78,357,772

 

6,783,493,160

  ​ ​ ​

Personal and

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Asset

  ​ ​ ​

  ​ ​ ​

For the year

Business

Corporate

Bank

Management and

ended

Result by segments

Banking

Banking

Treasury

Insurance

Other Services

Adjustments

12.31.2025

Interests income

 

890,305,775

 

319,820,358

 

531,728,869

 

2,690,796

 

20,944,413

 

891,619

 

1,766,381,830

Interest Expense

 

(182,710,036)

 

(133,915,604)

 

(610,493,342)

 

(531,245)

 

(21,157,846)

 

1,681,494

 

(947,126,579)

Distribution of results by the Treasury

 

(303,395,935)

 

(89,711,951)

 

393,107,886

 

 

 

 

Net interest income

 

404,199,804

 

96,192,803

 

314,343,413

 

2,159,551

 

(213,433)

 

2,573,113

 

819,255,251

Net income from financial instruments at fair value through profit or loss

 

248,030

 

2,720,431

 

35,408,709

 

6,236,084

 

29,643,939

 

1,526,121

 

75,783,314

Result from derecognition of assets measured at amortized cost

(434)

 

 

5,080,190

 

 

 

(16,032)

5,063,724

Exchange rate differences on gold and foreign currency

 

6,606,915

 

(31,412)

 

(65,551,018)

 

15,068

 

154,920

 

114,684

 

(58,690,843)

NIFFI And Exchange Rate Differences

 

6,854,511

 

2,689,019

 

(25,062,119)

 

6,251,152

 

29,798,859

 

1,624,773

 

22,156,195

Net Financial Income

 

411,054,315

 

98,881,822

 

289,281,294

 

8,410,703

 

29,585,426

 

4,197,886

 

841,411,446

Services Fee Income

 

152,850,910

 

21,425,460

 

5,516,626

 

 

93,504,530

 

(5,769,019)

 

267,528,507

Services Fee Expenses

 

(49,332,558)

 

(2,671,252)

 

(2,410,823)

 

 

(4,871,555)

 

284,013

 

(59,002,175)

Income from insurance activities

 

 

 

 

30,784,970

 

 

5,699,341

 

36,484,311

Net Service Fee Income

 

103,518,352

 

18,754,208

 

3,105,803

 

30,784,970

 

88,632,975

 

214,335

 

245,010,643

Subtotal

 

514,572,667

 

117,636,030

 

292,387,097

 

39,195,673

 

118,218,401

 

4,412,221

 

1,086,422,089

Result from exposure to changes in the purchasing power of money

 

(459,114)

 

 

(110,830,636)

 

(8,526,850)

 

(20,190,660)

 

(2,710,300)

 

(142,717,560)

Other operating income

 

38,056,132

 

12,206,275

 

4,385,803

 

177,616

 

16,974,367

 

(6,884,940)

 

64,915,253

Loan loss provisions

 

(249,053,895)

 

(11,331,104)

 

(6,598,644)

 

(7,870)

 

(399,912)

 

(53,494)

 

(267,444,919)

Net operating income

 

303,115,790

 

118,511,201

 

179,343,620

 

30,838,569

 

114,602,196

 

(5,236,513)

 

741,174,863

Personnel expenses

 

(245,121,888)

 

(41,072,133)

 

(20,858,462)

 

(2,829,420)

 

(21,597,065)

 

4,226,226

 

(327,252,742)

Administrative expenses

 

(168,578,213)

 

(17,308,372)

 

(12,594,959)

 

(945,720)

 

(25,129,082)

 

2,748,891

 

(221,807,455)

Depreciations and impairment of non-financial assets

 

(50,645,571)

 

(13,417,869)

 

(6,914,548)

 

(748,766)

 

(531,033)

 

(1,154,497)

 

(73,412,284)

Other operating expenses

 

(128,979,113)

 

(36,836,605)

 

(35,780,978)

 

(190,168)

 

(7,118,327)

 

6,185,973

 

(202,719,218)

Operating income

 

(290,208,995)

 

9,876,222

 

103,194,673

 

26,124,495

 

60,226,689

 

6,770,080

 

(84,016,836)

Income from associates and joint ventures

 

 

 

 

 

24,727,632

 

(24,727,632)

 

Result before taxes

 

(290,208,995)

 

9,876,222

 

103,194,673

 

26,124,495

 

84,954,321

 

(17,957,552)

 

(84,016,836)

Income tax

 

103,471,764

 

(2,992,714)

 

(26,104,975)

 

(8,117,225)

 

(19,595,841)

 

(314,396)

 

46,346,613

Net (Loss) / income

 

(186,737,231)

 

6,883,508

 

77,089,698

 

18,007,270

 

65,358,480

 

(18,271,948)

 

(37,670,223)

Net (loss) / income for the year attributable to owners of the parent company

 

(186,737,231)

 

6,883,508

 

77,089,698

 

18,007,270

 

65,358,480

 

(18,173,047)

 

(37,571,322)

Net loss for the year attributable to non-controlling interest

 

 

 

 

 

 

(98,901)

 

(98,901)

Other comprehensive (loss) / income

 

 

 

(5,592,852)

 

 

3,607,885

 

1,938

 

(1,983,029)

Other comprehensive (loss)/income attributable to owners of the parent company

 

 

 

(5,592,852)

 

 

3,607,885

 

7,633

 

(1,977,334)

Other comprehensive loss attributable to non-controlling interest

 

 

 

 

 

 

(5,695)

 

(5,695)

Comprehensive (loss) / income for the year

 

(186,737,231)

 

6,883,508

 

71,496,846

 

18,007,270

 

68,966,365

 

(18,270,010)

 

(39,653,252)

Comprehensive (loss)/income attributable to owners of the parent company

 

(186,737,231)

 

6,883,508

 

71,496,846

 

18,007,270

 

68,966,365

 

(18,165,414)

 

(39,548,656)

Comprehensive loss attributable to non-controlling interest

 

 

 

 

 

 

(104,596)

 

(104,596)

  ​ ​ ​

Personal and

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Asset

  ​ ​ ​

  ​ ​ ​

Business

Corporate

Bank

Management and

Total as of

Asset by segments

Banking

Banking

Treasury

Insurance

Other Services

Adjustments

12.31.2024

Cash and due from banks

 

196,357,919

 

6,038,142

 

643,144,004

 

9,360

 

14,392,038

 

(959,801)

 

858,981,662

Debt securities at fair value through profit or loss

 

 

11,781,424

 

199,051,465

 

12,832,283

 

122,745,076

 

 

346,410,248

Loans and other financing

 

1,667,130,180

 

1,048,789,355

 

135,634,643

 

111,026

 

3,256,333

 

(210,610)

 

2,854,710,927

Other debt securities

5,139,734

 

 

1,032,020,890

 

10,237,801

 

14,638,073

 

7,317,776

 

1,069,354,274

Other Assets

 

165,596,334

 

30,362,475

 

520,906,979

 

14,870,936

 

114,779,630

 

(52,760,036)

 

793,756,318

Total Assets

 

2,034,224,167

 

1,096,971,396

 

2,530,757,981

 

38,061,406

 

269,811,150

 

(46,612,671)

 

5,923,213,429

  ​ ​ ​

Personal and

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Asset

  ​ ​ ​

  ​ ​ ​

Businesses

Corporate

Bank

Management and

Total as of

Liabilities by segments

Banking

Banking

Treasury

Insurance

Other Services

Adjustments

12.31.2024

Deposits

 

1,846,479,858

 

919,786,818

 

1,408,736,212

 

 

 

(353,957)

 

4,174,648,931

Financing received from the Argentine Central Bank and others

 

124,661

 

1,830

 

50,915,919

 

 

 

653,448

 

51,695,858

Unsubordinated Debt Securities

 

357,109

 

89,486

 

66,850,944

 

 

 

 

67,297,539

Other liabilities

 

206,664,068

 

45,881,883

 

118,226,120

 

11,653,198

 

105,362,698

 

90,972,932

 

578,760,899

Total Liabilities

 

2,053,625,696

 

965,760,017

 

1,644,729,195

 

11,653,198

 

105,362,698

 

91,272,423

 

4,872,403,227

Personal and

  ​ ​ ​

  ​ ​ ​

Asset

  ​ ​ ​

For the year

Business

Corporate

Bank

Management and

ended

Result by segments

  ​ ​ ​

Banking

Banking

  ​ ​ ​

Treasury

  ​ ​ ​

Insurance

Other Services

  ​ ​ ​

Adjustments

12.31.2024

Interests income

 

626,064,577

342,855,607

1,203,099,332

851,562

6,342,568

6,196,503

 

2,185,410,149

Interest Expense

 

(261,321,596)

(88,896,597)

(817,317,061)

(702,552)

(142,183)

209,091

 

(1,168,170,898)

Distribution of results by the Treasury

 

(31,178,676)

(161,396,126)

192,574,802

 

Net interest income

 

333,564,305

 

92,562,884

 

578,357,073

 

149,010

 

6,200,385

 

6,405,594

 

1,017,239,251

Net income from financial instruments at fair value through profit or loss

 

725,394

2,148,249

144,326,178

16,448,706

21,044,029

875,778

 

185,568,334

Result from derecognition of assets measured at amortized cost

46,988

105,462,562

2,444,101

107,953,651

Exchange rate differences on gold and foreign currency

 

3,875,765

1,535,527

4,960,684

(9,110)

1,357,663

476,826

 

12,197,355

NIFFI And Exchange Rate Differences

 

4,648,147

 

3,683,776

 

254,749,424

 

16,439,596

 

22,401,692

 

3,796,705

 

305,719,340

Net Financial Income

 

338,212,452

 

96,246,660

 

833,106,497

 

16,588,606

 

28,602,077

 

10,202,299

 

1,322,958,591

Services Fee Income

 

149,400,581

20,291,352

1,134,562

91,388,334

(4,769,058)

 

257,445,771

Services Fee Expenses

 

(48,290,962)

(2,703,818)

(1,248,958)

(3,772,825)

2,465

 

(56,014,098)

Income from insurance activities

 

28,051,368

4,828,900

 

32,880,268

Net Service Fee Income

 

101,109,619

 

17,587,534

 

(114,396)

 

28,051,368

 

87,615,509

 

62,307

 

234,311,941

Subtotal

 

439,322,071

 

113,834,194

 

832,992,101

 

44,639,974

 

116,217,586

 

10,264,606

 

1,557,270,532

Result from exposure to changes in the purchasing power of money

 

(2,502,639)

(330,515,786)

(24,244,680)

(31,792,184)

(13,341,033)

 

(402,396,322)

Other operating income

 

20,728,042

13,310,573

10,853,817

92,072

9,401,002

(2,827,240)

 

51,558,266

Loan loss provisions

 

(65,901,063)

(3,052,872)

(8,890,213)

(112,178)

(271,184)

(61,389)

 

(78,288,899)

Net operating income

 

391,646,411

 

124,091,895

 

504,439,919

 

20,375,188

 

93,555,220

 

(5,965,056)

 

1,128,143,577

Personnel expenses

 

(286,009,576)

(50,549,150)

(22,877,315)

(4,837,707)

(20,686,540)

(905,052)

 

(385,865,340)

Administrative expenses

 

(182,027,302)

(19,958,381)

(10,621,892)

(825,315)

(17,837,394)

1,945,121

 

(229,325,163)

Depreciations and impairment of non-financial assets

 

(53,475,449)

(9,372,839)

(3,602,433)

(731,143)

(452,590)

(1,539,307)

 

(69,173,761)

Other operating expenses

 

(96,167,833)

(32,871,708)

(119,091,957)

(240,568)

(6,207,140)

(1,260,085)

 

(255,839,291)

Operating income

 

(226,033,749)

 

11,339,817

 

348,246,322

 

13,740,455

 

48,371,556

 

(7,724,379)

 

187,940,022

Income from associates and joint ventures

 

24,355,418

(24,355,418)

 

Result before taxes

 

(226,033,749)

 

11,339,817

 

348,246,322

 

13,740,455

 

72,726,974

 

(32,079,797)

 

187,940,022

Income tax

 

79,148,656

(1,206,413)

(107,246,024)

(5,125,195)

(15,476,206)

(475,229)

 

(50,380,411)

Net income/(loss)

 

(146,885,093)

 

10,133,404

 

241,000,298

 

8,615,260

 

57,250,768

 

(32,555,026)

 

137,559,611

Net income/(loss) for the year attributable to owners of the parent company

 

(146,885,093)

10,133,404

241,000,298

8,615,260

57,250,768

(32,654,895)

 

137,459,742

Net income for the year attributable to non-controlling interest

 

99,869

 

99,869

Other comprehensive income/(loss)

 

129,512

 

 

(19,915,726)

 

 

1,317,625

 

2,301,188

 

(16,167,401)

Other comprehensive income/(loss) attributable to owners of the parent company

 

129,512

(19,915,726)

1,317,625

2,321,467

 

(16,147,122)

Other comprehensive income attributable to non-controlling interest

 

(20,279)

 

(20,279)

Comprehensive income/(loss) for the year

 

(146,755,581)

 

10,133,404

 

221,084,572

 

8,615,260

 

58,568,393

 

(30,253,838)

 

121,392,210

Comprehensive income/(loss) attributable to owners of the parent company

 

(146,755,581)

10,133,404

221,084,572

8,615,260

58,568,393

(30,333,428)

 

121,312,620

Comprehensive income attributable to non-controlling interest

 

79,590

 

79,590

Personal and

  ​ ​ ​

  ​ ​ ​

Asset

  ​ ​ ​

For the year

Business

Corporate

Bank

Management and

ended

Result by segments

  ​ ​ ​

Banking

Banking

  ​ ​ ​

Treasury

  ​ ​ ​

Insurance

Other Services

  ​ ​ ​

Adjustments

12.31.2023

Interests income

 

729,286,228

463,060,575

2,095,849,261

531,952

9,924,669

17,748,841

 

3,316,401,526

Interest Expense

 

(838,465,350)

(285,212,941)

(1,238,993,022)

(1,378,382)

(704,853)

 

(2,364,754,548)

Distribution of results by the Treasury

 

526,418,105

(316,785)

(526,101,320)

 

Net interest income

 

417,238,983

177,530,849

330,754,919

531,952

8,546,287

17,043,988

 

951,646,978

Net income from financial instruments at fair value through profit or loss

 

3,873,607

(38,636)

333,410,361

31,647,228

16,617,001

10,044,795

 

395,554,356

Result from derecognition of assets measured at amortized cost

417,798

44,982,259

2,889,693

48,289,750

Exchange rate differences on gold and foreign currency

 

(16,669,078)

(21,398,263)

35,736,177

3,008

10,365,419

8,580,329

 

16,617,592

NIFFI And Exchange Rate Differences

 

(12,377,673)

(21,436,899)

414,128,797

31,650,236

26,982,420

21,514,817

 

460,461,698

Net Financial Income

 

404,861,310

156,093,950

744,883,716

32,182,188

35,528,707

38,558,805

 

1,412,108,676

Services Fee Income

 

172,870,101

21,369,585

1,633,351

75,761,916

(4,863,371)

 

266,771,582

Services Fee Expenses

 

(61,069,234)

(3,847,960)

(1,632,113)

(2,706,777)

 

(69,256,084)

Income from insurance activities

 

37,655,415

3,685,297

 

41,340,712

Net Service Fee Income

 

111,800,867

17,521,625

1,238

37,655,415

73,055,139

(1,178,074)

 

238,856,210

Subtotal

 

516,662,177

173,615,575

744,884,954

69,837,603

108,583,846

37,380,731

 

1,650,964,886

Result from exposure to changes in the purchasing power of money

 

(9,563,666)

(208,752,700)

(33,373,890)

(23,036,180)

(37,301,684)

 

(312,028,120)

Other operating income

 

28,278,788

14,242,565

19,887,382

126,271

8,815,083

(3,490,036)

 

67,860,053

Loan loss provisions

 

(75,311,097)

(14,828,063)

(5,980,832)

(247,156)

 

(96,367,148)

Net operating income

 

460,066,202

173,030,077

550,038,804

36,589,984

94,362,749

(3,658,145)

 

1,310,429,671

Personnel expenses

 

(336,453,176)

(59,627,319)

(29,046,003)

(10,747,129)

(23,147,435)

(456,336)

 

(459,477,398)

Administrative expenses

 

(198,095,805)

(13,670,476)

(11,021,789)

(8,999,868)

(14,907,247)

4,807,582

 

(241,887,603)

Depreciations and impairment of non-financial assets

 

(74,923,876)

(10,120,042)

(3,658,893)

(784,021)

(832,027)

(1,153,174)

 

(91,472,033)

Other operating expenses

 

(115,523,539)

(48,201,339)

(96,000,925)

(8,141)

(6,644,446)

(3,728,967)

 

(270,107,357)

Operating income

 

(264,930,194)

41,410,901

410,311,194

16,050,825

48,831,594

(4,189,040)

 

247,485,280

Income from associates and joint ventures

 

139,437

(139,437)

 

Result before taxes

 

(264,930,194)

41,410,901

410,311,194

16,050,825

48,971,031

(4,328,477)

 

247,485,280

Income tax

 

88,977,740

(14,659,088)

(146,859,918)

(5,732,430)

(18,675,734)

(2,554,124)

 

(99,503,554)

Net (loss) / income

 

(175,952,454)

26,751,813

263,451,276

10,318,395

30,295,297

(6,882,601)

 

147,981,726

Net (loss) / income for the year attributable to owners of the parent company

 

(175,952,454)

26,751,813

263,451,276

10,318,395

30,295,297

(7,002,837)

 

147,861,490

Net (loss) / income for the year attributable to non-controlling interest

 

120,236

 

120,236

Other comprehensive (loss)/income

 

22,826

10,636,464

(1,862,434)

1,268,632

(588,935)

 

9,476,553

Other comprehensive (loss) / income attributable to owners of the parent company

 

22,826

10,636,464

(1,862,434)

1,268,632

(599,764)

 

9,465,724

Other comprehensive (loss) / income attributable to non-controlling interest

 

10,829

 

10,829

Comprehensive (loss)/income for the year

 

(175,929,628)

26,751,813

274,087,740

8,455,961

31,563,929

(7,471,536)

 

157,458,279

Comprehensive (loss) / income attributable to owners of the parent company

 

(175,929,628)

26,751,813

274,087,740

8,455,961

31,563,929

(7,602,601)

 

157,327,214

Comprehensive (loss) / income attributable to non-controlling interest

 

131,065

 

131,065