ACB released inline results for 9M 2019 with NPAT-MI of VND4.4tn (USD191mn, +17.9% YoY), completing 72% of our 2019 full-year forecast. Annualized 9M 2019 ROA and ROE stood at 1.7% and 25.6%, respectively. All QoQ figures below are comparisons between Q3