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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.
BNP Paribas
BNP Paribas (BNP) investor relations material
BNP Paribas Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
3Q26 revenue reached €13,757m, up 9.5% YoY; operating income rose 17.7% to €4,756m and net income attributable to equity holders increased 13.5% to €3,456m.
9M26 ROTE was 13.2% versus 11.4% in 9M25; EPS was €9.36, up 20.1% YoY.
Broad divisional growth, positive jaws and cost of risk within guidance supported confidence in the 2026 trajectory and 2028 ambitions.
Financial highlights
9M26 revenue rose 10.0% to €41,904m; operating income increased 13.5% to €13,992m and net income attributable to equity holders 19.1% to €11,018m.
3Q26 cost/income ratio improved 2.3 points YoY to 58.3%; Group jaws were 4.1 points, including 2.8 points in operating divisions.
3Q26 operating expenses rose 5.3% to €8.02bn, below revenue growth of 9.5%; 9M26 expenses increased 7.0%.
Cost savings reached €540m in 9M26, including €200m in Q3, against a 2026 target of €700m.
Outlook and guidance
2026 net income growth target is >7% CAGR versus 2024; 2026 ROTE target is 12%, and cost/income ratio is projected at ~60%.
2025–2028 net income CAGR target is >10%; 2028 ROTE is targeted above 13% and cost/income ratio below 56%.
Year-end 2026 CET1 guidance was raised to >13%; cost-of-risk guidance remains below 40 bps.
Net cost savings target is ~€4bn for 2027–2030, including ~€2.4bn from support functions; annual savings are expected to reach €1bn from 2027.
Eurozone commercial and personal banking revenue growth guidance remains at least 5% annually; Arval and Leasing Solutions gross operating income is expected to be broadly stable in 2027 versus 2026.
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Latest events from BNP Paribas
- Double-digit EPS growth and higher shareholder returns targeted through 2028, driven by scale and efficiency.BNP
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- Q2 2026 delivered double-digit revenue and net income growth, with CET1 at 13% and higher dividend.BNPQ2 2026
- Q2 2025 saw strong revenue growth and cost control, with 2025 net income set to surpass €12.2bn.BNPQ2 2025
- Q3 2024 net income up 5.9% to €2.87bn, driven by CIB and IPS, with CET1 at 12.7%.BNPQ3 2024
- Q2 net income rose to €3.4bn on CIB strength, with robust capital and cost control.BNPQ2 2024
- Solid growth, resilient risk profile, and strategic expansion drive confidence in future targets.BNPGoldman Sachs 29th Annual European Financials Conference
- Record CIB growth and 3.8% revenue rise in Q1 2025, with CET1 at 12.4% and solid outlook.BNPQ1 2025
- Q4 net profit up 15.7%, revenues up 10.8%, 60% payout and semi-annual dividend confirmed.BNPQ4 2024
Next BNP Paribas earnings date
Q4 20262 Feb, 2027
BNP Paribas
Next BNP Paribas earnings date
Q4 20262 Feb, 2027
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Frequently asked questions
BNP Paribas SA operates as a diversified bank company worldwide. The company's Global Corporate and Institutional division offers corporate and investment banking; advisory services; stock brokerage, sales, and trading; currency exchange; and structured products, including derivatives, credit-linked notes, interest rate and equities. As one of the leading banks in its core markets in Europe, BNP Paribas provides banking solutions to its clients on a global scale. The bank's mission is to contribute to the development of its clients and customers, as well as partners and society.