Argentina’s Bank of the Nation Shifts Loan Rates: What Businesses Need to Know Now
Buenos Aires – In a move impacting businesses across Argentina, the Bank of the Argentine Nation (Banco de la Nación Argentina) has announced significant changes to its loan interest rates, set to take effect October 1, 2025. This breaking news affects both small and medium-sized enterprises (SMEs) and larger corporations, with rates varying based on company size and loan duration. For those following Google News and seeking timely financial updates, understanding these shifts is crucial. This article provides a detailed breakdown and explores the broader implications for the Argentine economy.
New Rate Structure: A Two-Tiered System
The Bank of the Nation is implementing a two-tiered interest rate system. SMEs, defined according to the “Determination of the status of micro, small and medium enterprise” criteria, will benefit from slightly lower rates compared to larger companies. Both tiers will utilize the Tamar Rate, calculated as 5 business days before the start of each period, plus an additional percentage point adjustment.
Specifically, SMEs will see rates calculated as Tamar Rate + 17 PPA (Percentage Points Adjustment), while larger companies will face Tamar Rate + 19 PPA. This distinction highlights the government’s ongoing efforts to support the vital SME sector, which forms the backbone of the Argentine economy.
Detailed Rate Tables: October 2025 Onward
The bank has released detailed rate tables outlining the annual nominal and effective rates for various loan durations. Here’s a snapshot (rates are subject to change based on the Tamar Rate):
Active Rate General Portfolio (Loans) – Effective September 29, 2025 – October 6, 2025
| Duration | 30 Days | 60 Days | 90 Days | 120 Days | 150 Days | 180 Days | Annual Nominal Rate (Approx.) | Annual Effective Rate (Approx.) | Monthly Effective Rate (Approx.) |
|---|---|---|---|---|---|---|---|---|---|
| From 29/09/2025 to 30/09/2025 | 52.11 | 51.00 | 49.91 | 48.86 | 47.84 | 46.84 | 41.29% | 4.283% | |
| From 30/09/2025 to 01/10/2025 | 53.28 | 52.11 | 50.97 | 49.87 | 48.81 | 47.77 | 42.00% | 4.379% | |
| From 01/10/2025 to 02/10/2025 | 50.05 | 49.02 | 48.02 | 47.04 | 46.10 | 45.17 | 40.02% | 4.114% | |
| From 02/10/2025 to 03/10/2025 | 46.60 | 45.70 | 44.83 | 43.98 | 43.16 | 42.35 | 37.82% | 3.830% | |
| From 03/10/2025 to 06/10/2025 | 45.35 | 44.50 | 43.67 | 42.87 | 42.09 | 41.32 | 37.00% | 3.727% |
(Note: These are examples. Full rate tables can be found on the Bank of the Nation’s website: www.bna.com.ar)
Discount Operations Rates (Effective October 1, 2025)
For discount operations, the rates are as follows:
- SMEs: Up to 30 days – 54.00% TNA; Up to 60 days – 54.00% TNA; Up to 90 days – 54.00% TNA; 91-180 days – 56.00% TNA; 181-360 days – 56.00% TNA (SGR).
- Large Companies: Up to 30 days – 55.00% TNA; Up to 60 days – 55.00% TNA; Up to 90 days – 55.00% TNA; 91-180 days – 57.00% TNA; 181-360 days – 58.00% TNA.
Why This Matters: Argentina’s Economic Landscape
Argentina’s financial system has long been characterized by volatility. These rate adjustments come amidst ongoing efforts to stabilize the economy and control inflation. The tiered system reflects a broader policy goal of fostering SME growth, recognizing their crucial role in job creation and economic diversification. Understanding these changes is vital for businesses planning investments or seeking financing. For those focused on SEO and staying ahead of economic trends, monitoring these developments is key.
The Tamar Rate, a benchmark used in these calculations, is itself subject to market fluctuations. Businesses should regularly consult the Bank of the Nation’s website for the most up-to-date information. Proactive financial planning and a clear understanding of these new rates will be essential for navigating the evolving economic landscape in Argentina.
Valeria Mazza, departmental deputy manager, confirmed the details in document N° 73889/25, dated October 6, 2025.
Staying informed about these changes is paramount for any business operating in or with Argentina. Archyde.com will continue to provide in-depth coverage of these developments and their impact on the regional and global economy.
