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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.
BAWAG Group
BAWAG Group (BG) investor relations material
BAWAG Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary19 Oct, 2026
Executive summary
Q3 net profit was €247.5m, up 13% YoY; EPS was €3.18 and RoTCE 26.9%.
Core revenues were €599.1m, up 8% YoY; pre-provision profit was €424.5m, up 20% YoY.
Operating income reached €605.0m, up 9% YoY; expenses fell 10% to €180.5m and the cost-income ratio improved to 29.8%.
9M net profit was €734.8m, up 17% YoY, with RoTCE of 28.0%.
Synergy gains and efficiency improvements continued ahead of expectations.
Financial highlights
Net interest income was €497.2m, up 8% YoY and 2% QoQ; net commission income was €101.9m, up 8% YoY and stable QoQ.
Profit before tax was €335.2m; income taxes were €87.7m and net profit was €247.5m, down 3% QoQ.
9M core revenues were €1,767.7m, up 8%; pre-provision profit was €1,228.1m, up 19%.
Q3 risk costs were €78.8m, with a 0.56% risk cost ratio.
Outlook and guidance
2026 targets reaffirmed: net profit >€960m, RoTCE >20% and cost-income ratio <33%, excluding potential PTSB impacts.
2026 outlook includes net interest income and core revenue growth >6%, operating expenses declining >5%, risk costs of ~50 bps and €48m in regulatory charges.
Gradual NII growth and stable fee performance expected to continue in Q4; operating expenses expected to be stable without one-offs or seasonal effects.
Midterm targets planned for update with year-end results.
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Latest events from BAWAG Group
- Q2 2026 net profit up 21% to €255m, ROTCE 28.7%, CIR 31.0%, CET1 ratio 17.4%.BG
Q2 2026 - Net profit up 16% to €232M, ROTCE 27.6%, and CIR 32.5%, with major PTSB acquisition announced.BGQ1 2026
- All-cash €1.619bn deal for Ireland’s third-largest bank targets 20%+ EPS accretion by 2027.BGM&A announcement
- 2025 net profit up 13% to €860m, with strong growth, digital gains, and ambitious targets.BGQ4 2025
- Exceeding 2025 targets with strong growth, higher profits, and a major share buyback.BGQ4 2025 TU
- Q2 net profit up 20% to €210 million, with strong capital, growth, and asset quality.BGQ2 2025
- Q3 net profit €178m, CET1 17.2%, 2024 PBT target raised above €950m.BGQ3 2024
- Q2 net profit €175m, H1 €342m, strong capital, and two strategic acquisitions signed.BGQ2 2024
- Q1 2025 net profit up 20% to €201m, CET1 ratio 13.8%, strong core revenues and asset quality.BGQ1 2025
Next BAWAG Group earnings date
Q4 202618 Feb, 2027
BAWAG Group
Next BAWAG Group earnings date
Q4 202618 Feb, 2027
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Frequently asked questions
BAWAG Group AG is an Austria-based bank holding company that provides a wide range of financial products and services. Its offerings cater to retail, small business, and corporate customers, encompassing comprehensive savings, payment solutions, corporate lending, investment, and leasing services. The group operates through a multi-brand and multi-channel strategy, serving approximately 2.1 million customers across key markets in Austria, Germany, Switzerland, the Netherlands, other parts of Western Europe, and the United States. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.