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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 di Desio e della Brianza
Banco di Desio e della Brianza (BDB) investor relations material
Banco di Desio e della Brianza H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary30 Jul, 2026
Executive summary
Consolidated net profit for H1 2026 reached €76.1 million, up 8.0% year-over-year, with annualized ROE at 9.8%.
Operating income rose 8.5% to €324.6 million, driven by higher net commissions and interest income.
Cost/income ratio improved to 55.9% from 59.3% in H1 2025.
Acquisition of SCM SIM completed, expanding asset management capabilities.
Operating margin rose to €143 million, supported by strong growth in net commissions and improved cost/income ratio.
Financial highlights
Net interest income for H1 2026 was €181.5 million, up 2.8% year-over-year.
Net commissions grew 17.9% year-over-year to €126.8 million.
Operating expenses increased 2.4% year-over-year to €181.6 million.
Operating income reached €324.6 million (+8.5% YoY).
Cost of credit rose to €19.2 million (+72.6% YoY).
Outlook and guidance
Positive momentum in indirect funding, especially in Wealth Management, and continued growth in customer loans.
Supervisory authority confirmed transitional period for MREL requirements until 1 January 2027.
Focus remains on profitability, capital strength, innovation, and ESG integration.
Main risks include inflation trends and geopolitical tensions, especially in the Middle East.
No additional subordination requirements attached to MREL.
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Latest events from Banco di Desio e della Brianza
- H1 2024 net profit up 29.4% YoY on ordinary basis; strong capital and expanded consumer lending.BDB
H1 2024 - Net profit up 20.4% YoY to €124.2M, CET1 at 18.8%, and dividend payout at 50% of net profit.BDBH2 2024
- Net profit up 20.9% YoY on ordinary basis, with strong capital, liquidity, and ESG progress.BDBQ3 2024
- Q1 2025 net profit fell 5.5% to €37.0M, with strong capital ratios and resilient profitability.BDBQ1 2025
- Net profit fell up to 9.9% to €70.4m, with CET1 at 18.5% and strong capital and liquidity.BDBH1 2025
- Net profit fell 9% to €105.9M, but capital and liquidity ratios improved significantly.BDBQ3 2025
- Net profit €127.3M, CET1 18.3%, NPL 2.7%, higher commissions, unqualified audit opinion.BDBH2 2025
- Q1 2026 net profit up 1.7% YoY, with strong capital, liquidity, and commission growth.BDBQ1 2026
Next Banco di Desio e della Brianza earnings date
Q3 202620 Nov, 2026
Banco di Desio e della Brianza
Next Banco di Desio e della Brianza earnings date
Q3 202620 Nov, 2026
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