Banco de Valores S.A. (BCBA:VALO)

Banco de Valores Income Statement

Financials in millions ARS. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	236,481	494,624	877,578	67,884	62,004	14,814
Total Interest Income	236,481	494,624	877,578	67,884	62,004	14,814
Interest Paid on Deposits	120,414	312,045	616,741	45,560	45,633	7,195
Total Interest Expense	120,414	312,045	616,741	45,560	45,633	7,195
Net Interest Income	116,067	182,580	260,837	22,323	16,371	7,619
Net Interest Income Growth (YoY)	-66.49%	-30.00%	1068.45%	36.36%	114.87%	41.10%
Gain (Loss) on Sale of Investments	124.93	124.93	320.13	-11.12	194.26	1.13
Other Non-Interest Income	46,663	14,773	21,158	2,900	3,273	1,348
Total Non-Interest Income	46,788	14,898	21,478	2,889	3,468	1,349
Non-Interest Income Growth (YoY)	81.92%	-30.64%	643.44%	-16.69%	156.97%	38.21%
Revenues Before Loan Losses	162,854	197,478	282,316	25,212	19,838	8,968
Provision for Loan Losses	9,236	3,323	2,092	100.88	107.56	11.07
Revenue	153,619	194,155	280,224	25,112	19,731	8,957
Revenue Growth (YoY)	-58.32%	-30.71%	1015.92%	27.27%	120.28%	41.23%
Salaries and Employee Benefits	39,567	32,461	31,716	3,560	3,675	1,941
Occupancy Expenses	785.19	637.72	838.74	204.2	257.15	157.32
Selling, General & Administrative	11,356	9,573	11,048	1,352	1,364	709.81
Other Non-Interest Expense	37,137	121,575	199,697	16,965	12,260	2,743
Total Non-Interest Expense	88,803	164,261	243,299	22,081	17,557	5,551
EBT Excluding Unusual Items	64,816	29,893	36,925	3,030	2,174	3,406
Pretax Income	64,816	29,893	36,925	3,030	2,174	3,406
Income Tax Expense	24,227	8,703	18,805	1,421	824.03	1,346
Earnings From Continuing Operations	40,590	21,190	18,120	1,609	1,350	2,060
Minority Interest in Earnings	99.85	-10	18.32	0.43	0.11	-
Net Income	40,690	21,180	18,138	1,610	1,350	2,060
Net Income to Common	40,690	21,180	18,138	1,610	1,350	2,060
Net Income Growth	33.55%	16.77%	1026.66%	19.21%	-34.43%	29.85%
Basic Shares Outstanding	957	837	837	836	814	814
Diluted Shares Outstanding	957	837	837	836	814	814
Shares Change (YoY)	14.30%	0.08%	0.09%	2.73%	-	985.11%
EPS (Basic)	42.51	25.29	21.68	1.93	1.66	2.53
EPS (Diluted)	42.51	25.29	21.68	1.93	1.66	2.53
EPS Growth	16.85%	16.67%	1025.63%	16.05%	-34.43%	-88.03%
Dividend Per Share	-	-	-	0.314	-	-
Effective Tax Rate	37.38%	29.11%	50.93%	46.88%	37.90%	39.53%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.