TCB released its consolidated results for 9M 2023 with PPOP and NPAT-MI of VND19.4tn (USD792mn; -12.1% YoY) and VND13.6tn (USD554mn; -18.3% YoY), which achieves 73.1% and 73.3% of our respective full-year forecasts. TCB’s Q3 2023 NPAT-MI was VND4.6tn (+3.