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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.
BDO Unibank
BDO Unibank (BDO) investor relations material
BDO Unibank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
9M 2026 net profit was P63.7 billion, up 1% YoY; total resources rose 16% YoY to P6.1 trillion, led by loan and investment-securities growth.
9M total comprehensive income fell 35% to P45.1 billion, mainly reflecting P28.0 billion of net unrealized losses on debt securities at FVOCI.
Financial highlights
9M net interest income rose 11% to P166.2 billion; profit before tax was P80.7 billion and net profit was P63.7 billion versus P63.3 billion in 9M 2025.
9M net income attributable to parent shareholders was P63.6 billion versus P63.1 billion; basic EPS was P11.85 versus P11.77.
Q3 net interest income increased to P57.7 billion from P51.9 billion; net profit was P22.9 billion versus P22.6 billion.
As of September 30, 2026, loans and other receivables were P4.1 trillion, deposits P4.6 trillion, and total equity P665.4 billion.
9M operating cash flow was negative P18.6 billion versus positive P97.6 billion in 9M 2025; cash and cash equivalents ended at P474.6 billion.
Outlook and guidance
January and July sustainability-bond proceeds are intended to finance eligible assets, support lending activities, refinance matured bonds, and diversify funding sources.
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- Net income up 12% to PHP 39.4B, with resources up 13% and strong loan and deposit growth.BDOQ2 2024
- Net income up 12% to PHP 60.6B, resources at PHP 4.8T, and strong ESG finance growth.BDOQ3 2024
- Record PHP 82.0B net income, double-digit loan growth, and top market shares in 2024.BDOQ4 2024
- Q1 2025 net income up 7% to PHP 19.8B, with strong growth, robust capital, and market leadership.BDOQ1 2025
- Net income up 3% to PHP 40.6B, resources up 9%, and capital adequacy at 15.43%.BDOQ2 2025
- Net income grew 4% to PHP 63.1B, with resources up 10% and capital adequacy at 15.55%.BDOQ3 2025
- Net income reached PHP 20.1B in 1Q26, with record assets but comprehensive income declined 66%.BDOQ1 2026
Next BDO Unibank earnings date
Q4 202624 Feb, 2027
BDO Unibank
Next BDO Unibank earnings date
Q4 202624 Feb, 2027
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