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Banco Comercial Português
Banco Comercial Português (BCP) investor relations material
Banco Comercial Português Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Net income rose 12.4% year-over-year to EUR 1,018.6 million, with ROE at 14.1% and EPS up 14.3%.
Portugal net income increased 10.6% to over EUR 869 million; international operations net income up 33% to EUR 291.9 million, with Poland's profits up 67% to EUR 283.7 million.
Customer base exceeded 7.3 million, with mobile customers up 9% and representing 74% of the base.
CET1 ratio at 15.9% and total capital ratio at 19.9%, both well above regulatory requirements.
Mozambique's net income was subdued due to sovereign debt provisions, but long-term outlook is positive as investments resume.
Financial highlights
Net interest income grew 2.4% to EUR 2,898.1 million; net fees and commissions up 4.3% to EUR 847.4 million.
Core income rose 2.8% to EUR 3,745.4 million; operating costs increased 8.3% to EUR 1,415.1 million.
Profit before impairments and provisions increased 5.9% to EUR 2,400.1 million.
Cost of risk held at 32 basis points, below strategic plan targets.
Loans to customers grew 7.3% to EUR 62.6 billion; customer funds up 8.6% to EUR 111.8 billion.
Outlook and guidance
Strategic plan targets business volumes above EUR 190 billion and over 8 million customers by 2028.
Cost-to-income ratio targeted below 40% and CET1 ratio above 13.5% through 2028.
ROTE and EPS growth in the mid-teens seen as sustainable across the business plan.
Up to 75% of cumulative net income to be distributed to shareholders, subject to capital and business targets.
Cost of risk in Portugal expected to remain between 30-40 basis points, seen as sustainable barring a major recession.
Explain rationale for payout policy tiers
Mozambique: path to strategic plan targets
AI investment strategy and cost-to-income
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Next Banco Comercial Português earnings date
Q1 20267 May, 2026
Banco Comercial Português
Next Banco Comercial Português earnings date
Q1 20267 May, 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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