Banco Hipotecario SA Class D
BBYMA:BHIP239.50
ARS
-4.00
(-1.64%)
Banco Hipotecario SA Class D
BYMA:BHIP
(Buenos Aires Stock Exchange)
Recent
price
239.50
P/E
ratio
108.91
div
yld
14.54%
ROIC.AI
Capital Structure
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in mil. unless spec.- Similar Companies
- Business
- Banco Hipotecario S.A. is a universal commercial banking institution based in Argentina that provides a comprehensive suite of retail, corporate, and investment banking solutions to individuals, small and medium-sized enterprises, and large corporate clients. Founded in 1886 and headquartered in Buenos Aires, Argentina, the bank operates under a public-private partnership model with equity participation from the Argentine state and private management led by IRSA Inversiones y Representaciones S.A. The company delivers financial services nationwide across Argentina through a physical branch network, automated teller machines, commercial hubs, and integrated online and mobile banking channels. Banco Hipotecario structures its operations into retail banking, wholesale banking, and finance and treasury divisions. Its core products and services include residential mortgage lending for property acquisition, construction, expansion, and renovation; consumer financing solutions, comprising unsecured personal loans, payroll-linked loans, and pledged vehicle loans; credit and debit cards; transaction and liquidity accounts, including checking accounts, savings accounts, and fixed-term deposits; corporate lending facilities, such as working capital financing, foreign trade credit, syndicated loans, and commercial leasing; fiduciary, trust, and asset administration services; capital markets underwriting and debt securitization through its subsidiary BACS Banco de Crédito y Securitización S.A.; and insurance brokerage and coverage across life, home, unemployment, health, and personal accident lines via its affiliates BHN Vida S.A. and BHN Seguros Generales S.A. In recent developments, Banco Hipotecario led the reactivation of the Argentine residential credit market by becoming the first banking institution to relaunch UVA-indexed mortgage loans, subsequently expanding its lending volume, securing public funding allocations through the Fondo de Garantía de Sustentabilidad (FGS), and lowering interest rates for primary home purchases. Additionally, the bank has accelerated its enterprise-wide digital modernization program by deploying cloud analytics architectures and artificial intelligence tools for digital customer onboarding, risk assessment, and customer service automation, while maintaining active placement of local corporate debt issuances to fund its growing credit portfolio.