ACB - Brief - [NONRATED] - 3Q26 Solid core performance amid rising provision expenses

In 3Q26, Total Operating Income (TOI) reached VND 9,898bn (+18.1% YoY) and NPATMI hit VND 4,699bn (+9.8% YoY). 3Q26 earnings beat expectations, reaching approximately 110% of our forecast. For 9M26, cumulative PBT reached VND 16,614bn (+3.4% YoY), completing 74.4% of the full-year target.