Banco BBVA Argentina S.A. (BBAR): Business Model Canvas

Key Partnerships

Banco BBVA Argentina S.A. recognizes the importance of forging strong partnerships to enhance its business model and provide innovative solutions to its customers. The following key partnerships play a crucial role in the bank's operations:

• Collaborations with international banks: Banco BBVA Argentina S.A. has established strategic partnerships with renowned international banks to expand its global reach and offer a wide range of financial products and services to its customers. These collaborations enable the bank to access new markets, exchange best practices, and leverage each other's expertise.
• Agreements with credit card companies: The bank has formed alliances with leading credit card companies to provide customers with convenient payment solutions and exclusive benefits. These partnerships allow Banco BBVA Argentina S.A. to offer a diverse range of credit card options, rewards programs, and promotional offers to its customers.
• Strategic alliance with insurance providers: Banco BBVA Argentina S.A. has partnered with reputable insurance providers to offer comprehensive insurance products to its customers. These strategic alliances enable the bank to provide value-added services such as life insurance, health insurance, and property insurance to protect customers against unforeseen events.
• Partnerships with Fintech firms for technological advancements: The bank collaborates with Fintech firms to leverage cutting-edge technologies and drive digital innovation in its operations. By partnering with Fintech startups, Banco BBVA Argentina S.A. can enhance its digital capabilities, streamline processes, and deliver a superior customer experience through online banking platforms, mobile apps, and other digital channels.

Key Activities

Banking services and operations: Banco BBVA Argentina S.A. offers a wide range of banking services to its customers, including deposit accounts, loans, credit cards, and investment products. The bank's operations involve managing these services efficiently and securely to meet the needs of its customers.

Credit risk management: BBAR pays special attention to credit risk management to ensure the bank's financial stability and protect the interests of its shareholders and customers. This involves assessing the creditworthiness of borrowers, setting appropriate credit limits, and monitoring loan portfolios to mitigate potential risks.

Customer service and support: Providing excellent customer service is a key activity for Banco BBVA Argentina S.A. The bank has a dedicated customer support team that assists customers with their inquiries, resolves issues, and helps them make informed financial decisions.

Digital banking development and maintenance: In today's digital age, BBAR is focused on developing and maintaining its digital banking platform to offer customers a seamless and convenient banking experience. This involves continuously improving the online and mobile banking services, enhancing cybersecurity measures, and staying up-to-date with technological advancements.

• Implementing new banking services and features
• Developing digital marketing strategies
• Conducting market research and analysis
• Training employees on new technologies

Key Resources

The key resources of Banco BBVA Argentina S.A. (BBAR) are crucial for the successful operation of the organization. These resources provide the foundation for the business model and help drive innovation, growth, and profitability.

• Financial capital: BBAR has access to significant financial capital, which allows the bank to fund its operations, invest in new technologies, and expand its offering of financial products and services.
• Extensive branch network: BBAR has a wide network of branches across Argentina, providing convenient access to customers and facilitating easy banking transactions. This physical presence also helps the bank build relationships with clients and enhance its brand visibility.
• Skilled workforce in finance and technology: BBAR invests in hiring and training employees with expertise in finance and technology. This skilled workforce is essential for the development and implementation of innovative banking solutions that meet the evolving needs of customers.
• Robust IT infrastructure: BBAR has a robust IT infrastructure that supports its online and mobile banking platforms, as well as internal operations. This infrastructure enables the bank to offer digital banking services, streamline processes, and ensure data security and compliance.

Value Propositions

As Banco BBVA Argentina S.A. (BBAR) continues to innovate and evolve in the financial services industry, our value propositions are at the core of our business model canvas. These key value propositions differentiate us from competitors and solidify our position as a leading bank in Argentina.

• Comprehensive financial solutions: BBAR offers a wide range of financial products and services to meet the diverse needs of our clients. From traditional banking services like savings accounts and loans to investment solutions and insurance products, we strive to provide comprehensive financial solutions that cater to every aspect of our clients' financial lives.
• Personalized banking services: At BBAR, we understand that every client is unique and has different financial goals and needs. That's why we offer personalized banking services that are tailored to each individual client. Whether it's wealth management advice, mortgage guidance, or retirement planning, our team of financial experts work closely with clients to understand their specific needs and provide customized solutions.
• Advanced digital banking platform: In today's fast-paced world, digital banking is essential for convenient and efficient financial transactions. BBAR prides itself on offering an advanced digital banking platform that allows clients to access their accounts, make payments, and track their finances anytime, anywhere. Our user-friendly mobile app and online banking portal make banking on-the-go easy and hassle-free.
• Security and trust in financial transactions: The security of our clients' financial information is of utmost importance to us. BBAR employs state-of-the-art security measures to protect against fraud and unauthorized access. Clients can trust that their sensitive data is safe and secure when conducting transactions with BBAR. Our commitment to providing a secure banking environment helps build trust and loyalty with our clients.

Customer Relationships

The Banco BBVA Argentina S.A. (BBAR) business model focuses on building strong and lasting relationships with our customers. We understand that customer satisfaction is key to our success, and we go above and beyond to ensure that every interaction with us is a positive one.

Our approach to customer relationships includes:

• Dedicated account managers for premium clients: High-value clients are assigned dedicated account managers who provide personalized service and support. These managers are available to address any issues or concerns that our premium clients may have, ensuring a smooth and seamless banking experience.
• 24/7 customer support via phone and online: We understand that emergencies can happen at any time, which is why we offer round-the-clock customer support through both phone and online channels. Our customers can reach out to us at any time for assistance, whether they have questions about their accounts or need help with a transaction.
• Personalized financial advisory services: We believe in providing tailored solutions to meet the unique financial needs of each customer. Our team of financial advisors works closely with clients to understand their goals and develop customized wealth management strategies that align with their objectives.
• Loyalty and rewards programs: To show our appreciation for our customers' loyalty, we offer various rewards and perks through our loyalty programs. From cashback rewards to exclusive discounts on products and services, we aim to make banking with BBAR a rewarding experience for our customers.

Channels

As one of the leading banks in Argentina, Banco BBVA Argentina S.A. (BBAR) utilizes a variety of channels to reach its customers and provide them with convenient banking services. These channels include:

• Physical branches across Argentina: BBAR has a network of physical branches located throughout Argentina, providing customers with in-person banking services, personalized assistance, and access to financial advisors.
• Online banking platform and mobile app: BBAR offers customers the convenience of managing their accounts, transferring funds, paying bills, and accessing a range of banking services through its secure online banking platform and mobile app.
• ATMs and self-service terminals: Customers can access cash, check balances, and perform various banking transactions at BBAR's network of ATMs and self-service terminals located across the country.
• Direct marketing and social media outreach: BBAR leverages direct marketing campaigns and social media platforms to engage with customers, promote its products and services, and provide updates on the latest banking offerings.

Customer Segments

Banco BBVA Argentina S.A. serves a diverse range of customer segments with tailored banking solutions to meet their individual needs and preferences:

• Offering a wide range of retail banking products and services such as savings accounts, personal loans, mortgages, credit cards, and investment options.
• Providing digital banking solutions for convenient and easy access to banking services anytime, anywhere.
• Focusing on personalized customer service and relationship management to enhance customer loyalty and satisfaction.

• Providing specialized financial products and advisory services to support the growth and success of SMEs.
• Offering business loans, commercial banking accounts, merchant services, and cash management solutions tailored to the needs of small and medium-sized businesses.
• Emphasizing efficiency, speed, and flexibility in servicing the unique requirements of SME clients.

• Offering a comprehensive suite of corporate banking services including cash management, trade finance, foreign exchange, and treasury solutions.
• Providing customized financing options for large corporations to support their capital requirements and strategic initiatives.
• Building long-term partnerships with corporate clients through dedicated relationship managers and industry-specific expertise.

• Providing specialized banking services for expatriates living in Argentina, including foreign currency accounts, cross-border transactions, and wealth management solutions.
• Offering international clients access to global banking services through BBVA's extensive network of branches and digital platforms.
• Facilitating seamless banking experiences for expatriates and international clients with multilingual support and tailored financial solutions.

Cost Structure

The cost structure of Banco BBVA Argentina S.A. (BBAR) includes various components that are essential for the efficient operation of the bank. These costs can be broadly categorized into the following areas:

• Operational costs of branch network: The bank has a widespread branch network across Argentina to cater to the needs of its customers. This involves costs such as rent, utilities, maintenance, and security of the branches. Additionally, costs related to ATM network maintenance and cash handling are also included in this category.
• IT development and maintenance expenses: BBAR heavily relies on technology to provide seamless banking services to its customers. This involves costs related to the development, maintenance, and upgrading of the bank's IT infrastructure, including core banking systems, online banking platforms, mobile apps, and cybersecurity measures.
• Staff salaries and training costs: The bank employs a large workforce to handle various functions such as customer service, risk management, compliance, and finance. Staff salaries and benefits form a significant portion of the bank's operating expenses. In addition, BBAR invests in training programs to ensure that its employees are well-equipped to serve the customers effectively.
• Marketing and advertising expenditures: To attract new customers and retain existing ones, BBAR allocates a budget for marketing and advertising activities. This includes expenses related to advertising campaigns, sponsorships, promotions, and events to enhance brand awareness and promote its products and services.

Revenue Streams

Banco BBVA Argentina S.A. (BBAR) generates revenue through various streams that cater to different financial needs of its customers. These revenue streams are essential to the bank's overall financial health and sustainability.

• BBAR earns a significant portion of its revenue from interest charges on loans and mortgages provided to individual and corporate clients. These loans include personal loans, home mortgages, and business loans. The bank carefully assesses the creditworthiness of borrowers to mitigate the risk of defaults.
• BBAR's competitive interest rates and flexible repayment terms attract customers looking for financial assistance, thereby contributing to the bank's revenue stream.

• The bank charges fees for various banking services such as account maintenance, ATM withdrawals, wire transfers, and foreign currency exchange. These fees represent a steady source of revenue for BBAR and help cover operational costs associated with providing banking services.
• Additionally, BBAR charges fees for non-sufficient funds (NSF) transactions, overdrafts, and other penalty charges, further bolstering its revenue stream.

• BBAR offers investment and asset management services to individuals and institutional clients seeking to grow their wealth through a diversified portfolio of financial products. The bank charges management fees based on the value of assets under management, providing a steady source of income.
• By offering tailored investment solutions, BBAR attracts clients who value professional guidance and expertise in managing their financial assets, thereby boosting its revenue stream.

• BBAR earns commissions by selling insurance products such as life insurance, property insurance, and health insurance to its customers. These products are offered through partnerships with leading insurance providers, allowing the bank to earn commissions on each policy sold.
• In addition, BBAR also earns commissions from the sale of financial products such as mutual funds, annuities, and retirement accounts. These products provide customers with investment opportunities while generating additional revenue for the bank.