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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 Comercial Português
Banco Comercial Português (BCP) investor relations material
Banco Comercial Português Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
9M26 net income rose 12.6% YoY to €873.7m; net operating revenue increased 6.0% to €2,993.1m.
Customer loans grew 7.8% to €66.2bn and customer funds rose 7.1% to €116.3bn; NPEs declined €157m YoY.
Financial highlights
9M26 net interest income increased 5.8% to €2,293.0m and fees and commissions rose 5.0% to €660.4m.
Operating costs rose 5.3% to €1,087.0m; profit before impairment and provisions increased 6.3% to €1,906.0m.
Profit before tax increased 20.8% to €1,451.2m; impairment, other provisions and modification results declined 23.0% to €454.8m of charges.
Q3’26 net income was €307.9m, up 18.4% QoQ and 12.5% YoY; net operating revenue rose 7.8% QoQ to €1,042.7m.
ROE was 14.9%, ROTE 15.5%, and EPS growth 13.7%; book value per share plus dividend per share increased 15.4%.
Outlook and guidance
Updated 2025–28 cumulative net income estimate is €4.75bn–€5.25bn; cumulative distributions are estimated at €4bn–€4.5bn, subject to policy conditions.
2028 estimates include ROE of at least 17.5%, CET1 of at least 14.25%, business volumes above €200bn and more than 8m customers.
2028 cost-to-income estimates are at or below 37% internationally and broadly at or below 34% in Portugal; cost of risk is estimated at or below 43bp.
Portugal NII is expected to grow in the mid-teens in 2026 and 2027; growth is expected to slow in 2028 while remaining strong in absolute terms.
Portugal cost of risk is estimated at or below 35bp; Mozambique is expected to remain transitional in 2027, with stabilization around 2028–2029.
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Latest events from Banco Comercial Português
- 9M26 net income rose 12.6%, led by Portuguese growth despite Polish margin pressure.BCP
Q3 2026 (Media) - Q1'26 net income up 25.6% YoY, with strong growth, asset quality, and capital strength.BCPCorporate presentation
- Net income up 12.7% to €565.8M, with strong capital, digital growth, and improved asset quality.BCPQ2 2026
- Net income up 12.7% to €565.8 million, with strong growth in Portugal, Poland, and digital adoption.BCPQ2 2026 (Media)
- Net income up 8.7% to €775.9M, with strong growth in funds, loans, and digital channels.BCPQ3 2025 (Media)
- Net income up 25.6% year-over-year to EUR 305.8 million, with strong capital and digital growth.BCPQ1 2026
- Net income up 12.4% to EUR 1,018.6 million, with strong capital, liquidity, and digital growth.BCPQ4 2025 (Media)
- Net income up 3.5% to €502.3M, with robust capital, digital growth, and improved asset quality.BCPQ2 2025
- Net income up 5.9% to EUR 906.4m, with strong capital, liquidity, and ongoing legal risks.BCPQ4 2024
Next Banco Comercial Português earnings date
Q4 202625 Feb, 2027
Banco Comercial Português
Next Banco Comercial Português earnings date
Q4 202625 Feb, 2027
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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.