)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Banco Comercial Português (BCP) investor relations material
Banco Comercial Português Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net income reached €502.3M in H1 2025, up 3.5% year-over-year, with ROE at 14.3% and all core markets contributing positively.
Portugal net income rose 3.2% to €424M, while international operations grew 11.8% to €146.6M, driven by Poland's strong performance despite CHF mortgage provisions.
Customer funds increased 5.5% to €106.2B; loans to customers up 3.4% to €60.3B; customer base expanded 4% to 7.1M, with mobile customers up 9% to 73% of total.
Non-performing exposures reduced by €336M year-over-year; cost of risk improved to 30bp for the group.
Digital channels saw strong growth: app-based account openings up 47%, personal loan sales via app up 42%.
Financial highlights
Net interest income grew 3.3% to €1,444.1M; commissions up 4.0% to €413.8M; core income increased 3.5% to €1,857.9M.
Operating costs rose 10.5% to €683.5M, mainly due to staff costs; cost-to-income ratio at 37% group, 35% Portugal.
Profit before tax up 16% to €788.9M; dividend yield at 8.9% with a €0.03/share payout for 2024 earnings.
Group net interest margin at 2.97%, down from 3.08% year-over-year.
NPE ratio improved to 2.7% (from 3.4%); total impairment coverage of NPE at 84.5%.
Outlook and guidance
Expect stable NII for 2025, with low to mid-single digit growth in Portugal in 2026 as rates bottom out.
Strategic plan targets over €190B in business volumes and over 8M customers by 2028, with CET1 ratio and ROE above 13.5%.
Up to 75% of cumulative net income (2025-2028) to be distributed, subject to capital and business targets.
Fee and commission growth guidance maintained at mid-single digits, with slight positive bias if markets perform well.
Cost of risk guidance at ~35 bps; other provisions expected at €10–15M per quarter.
How will potential tax rate changes impact DTAs?
Explain drivers of corporate lending acceleration.
Guidance for NII development in Poland 2025/26?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Banco Comercial Português earnings date
Q3 202529 Oct, 2025
Next Banco Comercial Português earnings date
Q3 202529 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Banco Comercial Português S.A. (BCP) is a financial institution primarily engaged in providing a range of banking products and services. The company offers retail and commercial banking, investment banking, asset management, insurance, and other financial services. BCP serves individuals, small and medium-sized enterprises (SMEs), and large corporations, focusing on areas such as personal loans, mortgages, credit cards, deposits, wealth management, and insurance solutions. The company is headquartered in Porto, Portugal, and its shares are listed on the Euronext Lisbon.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage