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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.
HSBC
HSBC (HSBA) investor relations material
HSBC Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
3Q26 revenue excluding notable items rose 5% YoY to $18.7bn and PBT excluding notable items rose 10% to $10.0bn on a constant-currency basis.
Reported PBT rose 32% YoY to $9.6bn; 9M26 reported PBT increased 26% to $29.2bn.
2026–28 targets and FY26 guidance were reaffirmed; a further share buyback of up to $1bn was announced.
Financial highlights
Reported revenue was $18.6bn, up 5% YoY; banking NII increased to $11.7bn from $11.0bn, while fee and other income rose to $7.0bn from $6.8bn.
Reported profit after tax rose 38% to $7.6bn; basic EPS was $0.41 versus $0.28.
Customer deposits reached $1,837bn, up $105bn YoY; customer loans were $1,030bn, up 1%.
Q3 ECL charge was $0.8bn versus $1.0bn; operating expenses fell 12% to $8.8bn, reflecting the non-recurrence of $1.4bn in legal provisions.
Outlook and guidance
FY26 banking NII guidance remains at least $46bn; FY26 ECL guidance is ~45bps and target-basis cost growth is ~1%.
2026–28 targets remain revenue growth reaching 5% YoY by 2028, ROTE of 17% or better each year, and a target-basis dividend payout ratio of 50%.
CET1 operating range remains 14%–14.5%; the reorganisation savings target is ~$2.0bn by YE26.
Basel 3.1 is estimated to add 40–50bps to CET1 from 1 January 2027; the final effect depends on models, portfolio composition and supervisory permissions.
Additional performance-related pay may modestly increase FY26 cost growth.
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Latest events from HSBC
- Strong growth in Asia and the U.K. drives robust returns amid disciplined cost and capital management.HSBA
Barclays 24th Annual Global Financial Services Conference - Profit before tax up 23% to $19.5bn, revenue up 11%, ROTE at 18.2%, and CET1 ratio at 14.1%.HSBAQ2 2026
- 1H26 saw 6% revenue and PBT growth, 19.1% ROTE, and $1bn share buy-back announced.HSBAQ2 2026 Fixed Income
- AI-led simplification and Asia leadership support high-return growth and upgraded targets.HSBAInvestor update
- $71bn revenue, 17.2% RoTE, and Hang Seng deal drive 2028 growth and return targets.HSBAQ4 2025
- Annualized ROTE 17.6% YTD, Q3 profit up 3% YoY ex-notables, 2025 NII guidance raised to $43bn.HSBAQ3 2025
- 3Q24 profit before tax rose 11% to $8.5bn, with strong Wealth and trading growth, CET1 at 15.2%.HSBAQ3 2024
- Record profit, strong capital, and cost efficiency drive stable outlook and growth focus.HSBAQ4 2024 Fixed Income
- Profit up 11% YoY (ex-notables), 18.4% ROTE, strong fee income, and $3bn buyback amid macro risks.HSBAQ1 2025
Next HSBC earnings date
Investor update9 Nov, 2026
HSBC
Next HSBC earnings date
Investor update9 Nov, 2026
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Frequently asked questions
A British Bank With Expertise in Asia
Founded in 1865, HSBC, originally known as The Hongkong and Shanghai Banking Corporation, is an important player in the global banking and financial services industry. Based in London, HSBC has grown to establish a strong foothold across different continents, providing a wide variety of services like retail banking, corporate banking, investment banking, and wealth management.
HSBC’s Inception and Growth
The journey of HSBC traces back to the mid-19th century when Thomas Sutherland founded the bank in the former British territories of Hong Kong and Shanghai. The vision was to facilitate the growing trade between Europe, India, and China. Over the decades, HSBC has expanded its footprint across the globe through organic growth and strategic acquisitions. Today it operates in over 64 countries and territories all over the world, serving more than 40 million customers. This global reach is not something unique in the modern banking world, and competitors like Barclays and Citi also have a massive international presence.
A Modern Financial Powerhouse
HSBC provides an array of comprehensive financial services to a wide customer base that ranges from individual consumers to multinational corporations. Its four major business components include retail banking and wealth management, commercial banking, global banking and markets, and global private and investment banking. The bank's products and services encompass current and savings accounts, mortgages, insurance, credit/debit cards, and loans, as well as foreign exchange, treasury services, and investment management. It has positioned itself as a bridge between the East and the West, emphasizing its role as a global trade facilitator, and the bank continues to have a strategic focus on Asia.
Looking Ahead
In the wake of digital transformation, HSBC has also been proactive in adapting to technological advancements. The bank has shown a willingness to embrace technology to enhance customer experience, optimize operational efficiency, and mitigate risks. With the rise of FinTech competitors, the bank has invested heavily in digital banking platforms, data analytics, AI, cybersecurity, and blockchain technologies. HSBC's adoption of mobile banking has also been significant, reflecting its aim to serve the digital-savvy customer base effectively.