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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Banco BPM
Banco BPM (BAMI) investor relations material
Banco BPM Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Adjusted 9M pre-tax profit rose 7.5% to €2.406bn; adjusted net income reached a record €1.532bn, up 2.6%, while reported net income was €1.513bn.
Revenue growth, lower operating costs and provisions, loan and deposit growth, and improving asset quality supported results.
FY26 net income guidance above €1.95bn was reaffirmed; management expects to exceed the 2027 pre-tax profit target of €3.15bn.
Financial highlights
9M revenues rose 2.1% to €4.666bn on a pro forma basis; non-NII contributed 50% of total revenue.
Adjusted NII was €2.330bn, up 0.2%; Q3 NII rose 4.6% YoY to €793m.
Net fees and commissions rose 2.3% to €2.070bn; adjusted operating costs fell 1.9% to €2.044bn.
Pre-provision income increased 5.4% to €2.623bn; loan-loss provisions declined 12.1% to €224m.
Taxes rose €120m YoY over nine months; adjusted measures exclude €19.3m of one-off items from net income.
Outlook and guidance
FY26 net income guidance remains above €1.95bn, including the impact of tax changes and systemic costs; FY26 DPS guidance increased to above €1.
Q4 NII is expected to grow QoQ and YoY excluding one-offs; FY26 fee income is expected to increase versus pro forma 2025.
Confidence was expressed in exceeding the 2027 pre-tax profit target of €3.15bn; the next strategic plan is expected by H1 2027.
Potential 2027 Budget Law tax impacts remain uncertain; mitigation options are to be assessed in the next strategic plan.
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Latest events from Banco BPM
- Net income rose 84.6% to €1,264.4m, with CET1 at 14.2% and a €848.5m dividend proposed.BAMI
H2 2023 - Record net income, asset quality, and capital strength drive upgraded guidance and €7bn payout.BAMIQ2 2026
- Q1 2026 net income €480M, CET1 13.59%, C/I 44%, strong asset quality and diversified revenues.BAMIQ1 2026
- ESG strategy drives decarbonization, diversity, and green finance leadership with top ratings.BAMIESG presentation
- Record net income, robust capital, and ESG leadership achieved, with strong shareholder returns.BAMICorporate presentation
- 2025 net profit hit €2.08bn, beating targets, with CET1 at 13.76% and €1.00 dividend per share.BAMIH2 2025
- Net income up 17% to €1.66bn, CET1 at 13.52%, and interim dividend of €0.46 per share approved.BAMIQ3 2025
- Record H1 2025 net income, strong fee growth, and robust capital after Anima acquisition.BAMIH1 2025
- Adjusted net income up 19% to €776M, with record capital and upgraded 2024 guidance.BAMIH1 2024
Next Banco BPM earnings date
Q4 202618 Feb, 2027
Banco BPM
Next Banco BPM earnings date
Q4 202618 Feb, 2027
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Frequently asked questions
Banco BPM S.p.A. is an Italian bank that provides a wide range of financial services to individuals, businesses, and institutional clients. The bank offers retail and commercial banking services, including savings and checking accounts, loans, mortgages, and credit cards. In addition, Banco BPM provides wealth management, investment banking, and insurance products. The bank caters to sectors such as retail, small and medium-sized enterprises (SMEs), and large corporations, delivering both traditional banking and digital solutions. The company is headquartered in Milan, Italy, and its shares are listed on the Borsa Italiana.