GRUPO FINANCIERO GALICIA SA (GGAL)

Grupo Financiero Galicia S.A. is an Argentine financial services holding company, incorporated in 1999 and domiciled in Buenos Aires. It has no operations of its own and conducts its business through subsidiaries. Its stated goal is to consolidate its position as one of Argentina's leading comprehensive financial services providers while strengthening its main subsidiary, Banco Galicia, as one of the country's leading banks. It holds interests in companies whose activities complement or create synergies with Banco Galicia, including non-banking businesses in areas where banking regulations restrict the bank. Consolidated assets were Ps.45,669,451 million as of December 31, 2025.

The group's businesses are organized through several subsidiaries. Banco Galicia provides banking services; in December 2024 the group acquired HSBC's banking, asset management and insurance businesses in Argentina, and the acquired bank (Galicia Más) was merged into Banco Galicia effective June 23, 2025, creating a single banking entity. Tarjetas Regionales, through Tarjeta Naranja and Naranja Digital Compañía Financiera (together the Naranja X umbrella), provides proprietary-brand credit cards, consumer finance and digital banking. Galicia Asset Management offers mutual funds, and Sudamericana Holding and its subsidiaries, including Seguros Galicia, sell insurance products. Galicia Securities and Inviu provide brokerage and related financial products. The group also operates Galicia Holdings in Miami and has formed Vestly entities in the United States, comprising a holding company, a broker-dealer and a registered investment adviser. Nera, which offers payment and financing solutions for the agricultural sector, became a 50/50 joint venture with Banco Santander in December 2025 through a Spain-based holding company. Galicia Investments, Galicia Ventures and Galicia Venture Corp. make venture capital investments in startups in industries related to the subsidiaries' activities.

Its customers are individuals and families, SMEs, large companies and the agricultural segment, served mainly in Argentina. Tarjetas Regionales targets the underbanked population, and Seguros Galicia serves its customers through a wide network of insurance advisory producers. The group's brokerage and financial services also extend to the region and the U.S. market.

Banco Galicia was founded in 1905 and is licensed as a commercial bank under the supervision of Argentine financial authorities, and the group is subject to regulation by bodies such as the BCRA and the CNV. The group's controlling shareholders, through EBA Holding, hold all of its class A shares. Its principal executive offices are in Buenos Aires. The text does not describe suppliers, manufacturing or competitors.