2025 marked a turning point for Banco Nación, which consolidated a greater operational response capacity in a context of reconfiguration of the financial system, while it expanded its balance sheet, advanced in the adaptation of its processes, and strengthened its commercial positioning.
This way it recorded a 53% increase in the stock of total loans, outpacing the year's inflation and consolidating itself as one of the main drivers of credit expansion.
All this growth was driven in particular by the increase in foreign currency loans, which rose by 124%, mainly aimed at export-oriented sectors and large companies.
Mortgage loans from Banco Nación
In the household segment, the mortgage line was one of the central pillars of the recovery because, through the “+Hogares con BNA” program, Banco Nación positioned itself as the main institution in the system in this area, granting 21,500 loans for a total of $2.4 trillion and concentrating 49.5% of placements nationwide.
Likewise, the digitalization of processes made it possible to reduce the average time between application and disbursement from approximately 200 days to fewer than 50, expanding access to credit and adding new clients, who accounted for 40% of borrowers.
Banco Nación's Retail Banking and a paradigm shift
In the “Retail Banking” segment, the “+Autos” product marked a paradigm shift by financing the purchase of more than 11,300 vehicles without the need to visit a bank branch, through a network of more than 1,400 dealerships across the country, which helped consolidate the Bank's leadership in this segment, with more than 20% market share.
Another pillar of the fiscal year was the transformation of the service model, which made it easier for in-person transactions at branches and ATMs to fall by 20% and 30% respectively, while digital transactions grew by 20% year-on-year.
Meanwhile, the “BNA+” application consolidated itself with a rating of 53 points, incorporating milestones such as the online opening of savings accounts in dollars (333,000 new ones were opened), which drove a 29% increase in the stock of these accounts.
In parallel, the Bank moved forward in the digitalization of public transportation payments, reaching a 70% share in VQR payments and more than 560,000 trips per day.
Banco Nación's cleanup and operational efficiency
In terms of capital strength and operational efficiency, the institution achieved a significant cleanup of its portfolio, reducing the irregularity ratio to 2.5% as of September 2025, compared with 12% recorded at the beginning of the administration, which was recognized by the rating agency FIX SCR with the highest local long-term rating: “AAA(arg)”.
In a year marked by the challenge of competing on equal terms with private banks, the institution participated actively in the renewal of agreements with the public sector, in a context of free choice on the part of the agencies.
In that process, 96% of employees in the sector continued to operate with this institution, which made it possible to consolidate a base of more than 15 million individuals and 180,000 companies.
On the basis of these results, Banco Nación is projecting a 2026 focused on innovation, with milestones such as the comprehensive digitalization of corporate credit and the launch of a new Digital Banking platform.
