CaixaBank (CABK) Q3 2026 (Media) earnings summary

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.