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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.
Permanent TSB Group
Permanent TSB Group (PTSB) investor relations material
Permanent TSB Group Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary30 Oct, 2026
Executive summary
9M 2026 income rose 7% YoY while operating costs fell 2%; loan book growth exceeded 4% and core mortgage momentum strengthened through the year.
Trading conditions remained positive amid a resilient Irish economy; 2026 ROTE guidance remained above 9%.
Financial highlights
Net interest income increased 9% YoY in 9M 2026, supported by higher margins and average interest-earning assets; net fees and commissions were unchanged.
Other income was lower YoY as the prior period included significant foreign exchange and hedging gains; exceptional costs were €11m, unchanged from end-June.
Gross customer loans reached €23.4bn at end-September, up €0.8bn year to date and over 4% YoY; customer deposits were €25.8bn, up 2% YoY.
Outlook and guidance
2026 ROTE is on track to exceed 9%; ROTE is defined using profit attributable to shareholders excluding all exceptional items.
Core mortgage lending had a strong pipeline entering Q4; trading conditions remained positive, supported by the resilient Irish economy.
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Latest events from Permanent TSB Group
- Profit before tax up 200% YoY to €57m; CET1 at 17.7%; BAWAG offer progressing.PTSB
H1 2026 - Q1 2026 saw 10% revenue growth, robust asset quality, and a recommended acquisition offer.PTSBQ1 2026 TU
- Record lending, improved capital, and first dividend in 18 years mark a transformational year.PTSBH2 2025
- Formal sales process launched amid strong lending, deposit growth, and reaffirmed targets.PTSBQ3 2025 TU
- Strong deposit and lending growth, but profit fell as net interest income declined.PTSBH1 2025
- Profit before tax rose to EUR 75m, CET1 ratio to 14.9%, and a 40% dividend payout policy was announced.PTSBH1 2024
- Profit doubled in 2024, with digital growth and cost discipline driving future efficiency.PTSBH2 2024
Next Permanent TSB Group earnings date
H2 20264 Mar, 2027
Permanent TSB Group
Next Permanent TSB Group earnings date
H2 20264 Mar, 2027
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Frequently asked questions
Permanent TSB Group Holdings plc is a financial services provider based in Ireland. It operates primarily in the retail and small to medium-sized enterprise (SME) banking sectors. The company's services encompass transactional banking, lending, savings, and deposit-taking. It delivers these services through a multi-channel distribution model, which includes branches, brokers, direct engagement, digital platforms, and SME-specific channels. The company is headquartered in Dublin, Ireland, and its shares are listed on the Euronext Dublin and the London Stock Exchange.