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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.
Bank of Queensland
Bank of Queensland (BOQ) investor relations material
Bank of Queensland H2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2026 earnings summary14 Oct, 2026
Executive summary
FY26 adjusted cash earnings after tax were $358m, down 7% YoY; statutory NPAT rose 88% to $250m, while 2H cash earnings increased 3% HoH to $182m.
Priorities included simplification, risk remediation, stronger capital and disciplined growth; ME migration and the $3.6bn equipment-finance sale advanced transformation.
FY26 shareholder returns totalled 55c per share, including a 15c special and 20c final dividend; an on-market buy-back commenced in August.
Financial highlights
Total income was $1,679m, up 1% YoY; net interest income was $1,520m, while non-interest income rose 12% to $159m.
Net interest margin was 1.70%, up 6bp YoY; 2H26 NIM was 1.73%, with funding benefits partly offset by lower average interest-earning assets.
Adjusted operating expenses rose 2% to $1,098m, below inflation; underlying profit excluding notable items was $581m, down 1%.
Loan impairment expense increased to $54m from $21m; cash earnings after tax including notable items were $325m, down 15% YoY.
Home lending was $52,868m, down 8% YoY; customer deposits were $62,904m, down 6%. Business lending was $18,950m, up 14% normalised for the equipment-finance sale.
Outlook and guidance
FY27 targets commercial lending growth comparable to FY26 and a sustainable, returns-led return to home-lending growth.
A modest 1H27 NIM uplift is expected, subject to market conditions; non-interest income is expected to grow strongly on the capital partnership run-rate.
Guidance targets flat annual cost growth and relatively stable loan impairment expense; ME decommissioning and the Capgemini partnership are expected to support costs.
Buy-back completion is expected in FY27; CET1 target is 10.25%–10.75% and cash earnings dividend payout target is 60%–75%.
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Latest events from Bank of Queensland
- Cash earnings down 4% and net profit down 20% YoY; $3.7bn asset sale to fund capital return.BOQ
H1 2026 - Profit rose 12% as digital and commercial lending growth drove transformation.BOQAGM 2025
- Cash earnings up 12%, statutory profit down 53% on one-offs, digital and lending growth.BOQH2 2025
- Digital transformation, branch overhaul, and lower FY24 earnings amid strong shareholder support.BOQAGM 2024
- Statutory profit up 130%, cash earnings down 24%, business lending and digital progress noted.BOQH2 2024
- Branch network corporatization, digital focus, and cost cuts drive new 2026 ROE and CTI targets.BOQInvestor Update
- Net profit up 13% and cash earnings up 6%, with strong digital, business, and capital performance.BOQH1 2025
Next Bank of Queensland earnings date
AGM 20261 Dec, 2026
Bank of Queensland
Next Bank of Queensland earnings date
AGM 20261 Dec, 2026
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Frequently asked questions
Bank of Queensland Limited is an Australian retail bank offering a diverse range of financial services across Australia and New Zealand. The company operates through various segments including Retail Banking, BOQ Business, and others. The bank provides personal banking services such as savings and term deposits, transactional accounts, debit and credit cards, home, personal, and car loans, along with insurance products. For businesses, BOQ offers transaction accounts, savings and investment accounts, loans and finance products, merchant and payment services, and financial market and international services. The company is headquartered in Newstead, Australia, and its shares are listed on the ASX.