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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.
CaixaBank
CaixaBank (CABK) investor relations material
CaixaBank Q3 2026 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 (Media) earnings summary30 Oct, 2026
Executive summary
9M26 net profit rose 12.9% YoY to €4.96bn, supported by broad-based business growth and stronger commercial activity.
Served 21.1m customers in Spain and Portugal, with net customer growth close to 480,000 over the prior 12 months.
Financial highlights
Net interest income increased 2.9% YoY to €8.19bn; service revenues rose 7.7% to €4.18bn.
Gross income grew 4.4% YoY to €12.66bn; pre-impairment income increased 4.6% to €7.65bn.
Administrative expenses, depreciation and amortisation rose 4.3% YoY to €5.00bn; attributable profit was €4.96bn versus €4.40bn in 9M25.
Profit before tax increased 6.9% to €6.93bn; profit after tax rose 12.9% to €4.97bn.
Outlook and guidance
2025–2027 Strategic Plan focus includes customer acquisition, service improvement and adoption of AI and technology across the organisation.
2026 cash payout target is 50%–60% of consolidated net profit, split between an interim payment and a final dividend subject to shareholder approval.
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Latest events from CaixaBank
- Profit rose 12.9% as service revenues grew and FY26 guidance improved.CABK
Q3 2026 - FY23 profit surged 54%, with ROTE at 15.6% and a €12bn distribution capacity.CABKQ4 2023
- Net profit up 8.5% to €3.2B, with robust lending, strong capital, and lower NPL ratio.CABKQ2 2026 (Media)
- Net profit up 8.5% to €3.2bn, ROTE at 18%, NPL ratio at 1.78%, CET1 at 12.54%.CABKQ2 2026
- RoTE exceeds 16% with upgraded NII, strong lending, and robust capital returns driving growth.CABKBank of America 30th Annual Financials CEO Conference 2025
- ROTE targets raised to 20% for 2027–2028, with strong NII and fee growth expected.CABKGoldman Sachs 30th Annual European Financials Conference 2026
- Targets >4% annual growth, stable NII above €11Bn, and >15% RoTE, with €100Bn in sustainable finance.CABKInvestor Day 2024
- Net profit up 16.1% to €4.25B, with strong growth, efficiency, and enhanced shareholder returns.CABKQ3 2024
- Record 2024 profits, new strategic plan, and all proposals approved amid staff and ESG concerns.CABKAGM 2025
Next CaixaBank earnings date
Q4 20265 Feb, 2027
CaixaBank
Next CaixaBank earnings date
Q4 20265 Feb, 2027
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Frequently asked questions
CaixaBank is an international bank with a presence in Spain and internationally. It provides retail banking services, private banking, asset management and other financial products in Spain and internationally. The company operates through the following business segments: Retail Banking; Private Banking; Wealth Management; Insurance; International Financial Services; and Corporate management activities. The Retail Banking segment comprises commercial entities providing mainly personal banking, mortgages and checking accounts to individuals, as well as consumer financing services.