<SEC-DOCUMENT>0000950103-25-009216.txt : 20250909
<SEC-HEADER>0000950103-25-009216.hdr.sgml : 20250909
<ACCEPTANCE-DATETIME>20250724124724
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000950103-25-009216
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250724

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Banco BBVA Argentina S.A.
		CENTRAL INDEX KEY:			0000913059
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		ADDRESS IS A NON US LOCATION: 	YES
		STREET 1:		AV. CORDOBA 111
		CITY:			C1054AAA BUENOS AIRES
		PROVINCE COUNTRY:   	C1
		BUSINESS PHONE:		011541143480000

	MAIL ADDRESS:	
		ADDRESS IS A NON US LOCATION: 	YES
		STREET 1:		AV. CORDOBA 111
		CITY:			C1054AAA BUENOS AIRES
		PROVINCE COUNTRY:   	C1

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BBVA BANCO FRANCES SA
		DATE OF NAME CHANGE:	20001219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FRENCH BANK OF THE RIO DE LA PLATA
		DATE OF NAME CHANGE:	19931005
</SEC-HEADER>
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    <TD STYLE="width: 24%"><P STYLE="color: #140BE3; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Michael J. Willisch</FONT></P>
    <P STYLE="color: #140BE3; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">+34 91 768 9610</FONT></P>
    <P STYLE="color: #140BE3; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">michael.willisch@davispolk.com</FONT></P>
    <P STYLE="color: #140BE3; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">davispolk.com</FONT></P></TD>
    <TD STYLE="width: 28%"><P STYLE="color: #140BE3; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Davis Polk &amp; Wardwell
    <FONT STYLE="font-variant: small-caps">llp</FONT></FONT></P>
    <P STYLE="color: #140BE3; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Paseo de la Castellana,
    41<BR>
    28046 Madrid</FONT></P></TD>
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<P STYLE="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">July 24, 2025</FONT></P>


<P STYLE="margin: 0">&nbsp;</P>

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    <TD STYLE="width: 3%; font-size: 10pt">Re:</TD>
    <TD STYLE="width: 97%; font-size: 10pt">Banco BBVA Argentina, S.A.<BR>
Form 20-F for Fiscal Year Ended December 31, 2024<BR>
Filed April 4, 2025<BR>
File No. 001-12568</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">U.S. Securities and Exchange Commission</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Division of Corporation Finance</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Office of Finance</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">100 F Street, N.E.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Washington, DC 20549-3628</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">Attn:</TD><TD>Mr. Michael Volley</TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">Mr. Amit Pande<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On behalf of Banco BBVA Argentina, S.A., a bank organized under the
laws of the Republic of Argentina (the &ldquo;<B>Bank</B>&rdquo;), we are responding to the comments from the Staff (the &ldquo;<B>Staff</B>&rdquo;)
of the Division of Corporation Finance of the U.S. Securities and Exchange Commission relating to the Bank&rsquo;s Form 20-F for the year
ended December 31, 2024 (the &ldquo;<B>2024 Form 20-F</B>&rdquo;) contained in the Staff&rsquo;s letter dated July 15, 2025 (the &ldquo;<B>Comment
Letter</B>&rdquo;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Set forth below are the Bank&rsquo;s responses to the Staff&rsquo;s
comments. For convenience, the Staff&rsquo;s comments are repeated below in italics, followed by the Bank&rsquo;s response to the comments.
Capitalized terms used but not defined within this letter have the meanings ascribed to them in the 2024 Form 20-F.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Form 20-F for Fiscal Year Ended December 31, 2024 </U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Interest income, page 112</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">1.</TD><TD><I>We note your disaggregation of interest income here and interest expenses on page 113. Please revise future periodic filings to
clarify which interest-bearing assets and liabilities include CER and UVA clause adjustments. </I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><B>Response</B>: The Bank acknowledges the Staff&rsquo;s comment
and confirms that it will revise its 2025 annual report on Form 20-F (the &ldquo;<B>2025 Form 20-F</B>&rdquo;) and subsequent filings
to clarify which interest-bearing assets and liabilities include CER and UVA clause adjustments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Other operating expenses, page 118</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">2.</TD><TD><I>We note your disclosure of losses on loans bearing below market interest rates. Please revise future periodic filings to discuss
the nature of these loans, why you originate loans at below market interest rates and disclose your accounting policies related to these
loans or tell us where the policies are currently disclosed.</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><B>Response</B>: The Bank acknowledges the Staff&rsquo;s comment
and confirms that it will revise its 2025 Form 20-F and subsequent filings to discuss the nature of loans bearing below market interest
rates, the reasons why the Bank originates loans bearing below market interest rates and the accounting policies related to these loans.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Profit or loss for financial instruments at fair value through
other comprehensive income (FVOCI), page 124</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">3.</TD><TD><I>Given the materiality of and significant variability in the disclosed amounts, please revise future periodic filings to provide
additional discussion and analysis of the underlying reasons for the fluctuations in the market value of financial instruments measured
under this model with appropriate detail of the financial instruments with the most material variations. Also provide discussion and analysis
of the maturity and sale of investments impacting these amounts, if material.</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><B>Response</B>: The Bank acknowledges the Staff&rsquo;s comment
and confirms that it will revise its 2025 Form 20-F and subsequent filings to provide additional discussion and analysis of the underlying
reasons for the fluctuations in the market value of financial instruments measured at fair value through other comprehensive income, including
appropriate detail of the financial instruments with the most material variations, as well as of the maturity and sale of investments
impacting these amounts, if material.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Credit Risk Exposure &ndash; Financial Assets, page F-45</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">4.</TD><TD><I>Please revise future periodic filings to disclose the information required by IFRS 7.35M by credit risk rating grades or tell us
how your current disclosure complies with the requirements.</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><B>Response</B>: The Bank acknowledges the Staff&rsquo;s comment
and confirms that it will revise its 2025 Form 20-F and subsequent filings to expand the disclosure with respect to the information required
by IFRS 7.35M by credit risk rating grades.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Allowances &ndash; Financial Assets, page F-49</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">5.</TD><TD><I>Please revise future periodic filings to disclose the reconciliation of expected credit loss allowances by class of financial instrument.
Refer to IFRS 7.35H for guidance.</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><B>Response:</B> The Bank acknowledges the Staff&rsquo;s comment
and confirms that it will revise its 2025 Form 20-F and subsequent filings to disclose the reconciliation of expected credit loss allowances
by class of financial instrument.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Please do not hesitate to contact me at +34 91 768 9610 or michael.willisch@davispolk.com
if you have any questions regarding the foregoing or if I can provide any additional information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Very truly yours,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">/s/ Michael J. Willisch</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Michael J. Willisch</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">cc:</TD><TD>Mrs. Carmen Arroyo<BR>
(Banco BBVA Argentina, S.A.)</TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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