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Banco Comercial Português (BCP) investor relations material
Banco Comercial Português Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for the first nine months of 2025 reached €775.9 million, up 8.7% year-over-year, with ROE at 14.6% and ROTE at 15.2%.
Portugal net income rose 8% to €654.5 million, while international operations grew 19.8% to €230.7 million, led by Bank Millennium in Poland (+56% to €202 million) despite CHF mortgage provisions.
Customer base surpassed 7.2 million, with mobile customers up 9% and now representing 74% of active customers; digital sales and transactions rose sharply, with 99.6% of transactions now digital.
Mozambique net income dropped nearly 60% to €25.4 million due to sovereign debt downgrades and higher impairments.
Financial highlights
Net interest income grew 2.6% to €2,166.6 million; core income up 2.9% to €2,795.4 million; commissions rose 4% to €628.8 million.
Core operating profit reached €1.8 billion; profit before tax up 13.8% to €1,201.7 million.
Customer funds increased 8.6% to €109.5 billion; loans to customers up 4.9% to €61.5 billion.
Cost-to-income ratio at 35-37% group-wide, 34% in Portugal.
EPS grew 11.5%; book value per share plus dividend per share up 17%.
Outlook and guidance
Strategic plan targets business volumes above €190 billion and over 8 million customers by 2028, with mid-single digit growth in NII and loans.
CET1 ratio target above 13.5%, with up to 75% of cumulative net income distributed to shareholders, subject to capital and business targets.
Effective tax rate in Portugal expected to trend toward 25-26% as statutory rates decline.
Capital ratio expected to decrease gradually as excess capital is used to fund growth.
Drivers of reduced CHF mortgage costs in Poland?
What caused the CET1 ratio decline?
Quantify impact of Portugal's banking tax ruling.
Year-end capital distribution policy recalibration?
Poland exposure strategy given regulatory risks
Mozambique normalized earnings recovery timeline
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Next Banco Comercial Português earnings date
Q4 202526 Feb, 2026
Next Banco Comercial Português earnings date
Q4 202526 Feb, 2026
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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.
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