)
)
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.
Military Commercial
Military Commercial (MBB) investor relations material
Military Commercial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M26 total operating income reached VND 58.956T, up 22% YoY; PBT rose 32% to VND 30.518T.
9M26 profit after tax attributable to ordinary shareholders was VND 23.784T, up from VND 18.016T YoY; Q3 profit was VND 8.039T.
Total assets reached VND 1,837.9T at Q3-end, up 14% from end-2025, with growth led by customer lending.
Financial highlights
9M26 net interest income was VND 49,642,745m vs VND 37,054,825m; net fee income was VND 5,192,181m vs VND 4,477,514m.
9M26 operating income was VND 58.956T, operating costs VND 15.494T, pre-provision profit VND 43.461T and provision expense VND 12.943T.
Q3 operating income was VND 21,091,443m and PBT VND 10,330,100m, versus VND 15,596,694m and VND 7,249,920m in Q3 2025.
9M26 fee income grew 15%, led by settlement and cash services (+30%), insurance (+13%) and other fees (+68%); advisory services fell 34%.
Net cash used in operating activities was VND 65,264,905m in 9M26, versus net cash generated of VND 11,921,585m in 9M25; period-end cash equivalents were VND 179,545,079m.
Outlook and guidance
Year-end group NPL target is 1.5%; asset quality is to remain under strict management.
Deposit scale is expected to maintain positive growth in coming quarters.
Capital strategy balances profitability and risk, with headroom available for Tier 2 capital mobilization if needed.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Military Commercial
- Q1 profit more than doubled as digital activity and retail lending expanded.MBB
Q1 2021 - 9M21 PBT rose 46.1% as income surged and NPLs remained below 1%.MBBQ3 2021
- 1H21 PBT rose 56% as income grew 40%, with consolidated NPL at 0.8%.MBBQ2 2021
- FY21 PBT rose 55% as operating income grew 35%, with NPL at 0.9%.MBBQ4 2021
- Q1 PBT rose 29.04% as stronger income outweighed higher costs and provisions.MBBQ1 2022
- 9M22 PBT rose 53.1% as NII growth and lower provisions lifted earnings.MBBQ3 2022
- 6M22 PBT rose 49% as NII surged, despite mounting inflation and funding pressures.MBBQ2 2022
- NII growth lifted Q2.23 TOI 3%, while fee income fell and consolidated NPL reached 1.44%.MBBQ2 2023
- NII growth lifted Q1 profit despite a sharp decline in fee income.MBBQ1 2023
- Nine-month earnings grew, while Q3 profit rose amid higher credit risk.MBBQ3 2023
Next Military Commercial earnings date
Q4 202629 Jan, 2027
Military Commercial
Next Military Commercial earnings date
Q4 202629 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
Military Commercial Joint Stock Bank is a Vietnam-based financial institution providing banking and financial services to individuals, businesses, and government entities. The bank offers a range of products, including retail and corporate banking, loans, deposits, payment services, wealth management, and digital banking solutions. It also provides insurance, asset management, and investment banking services through its subsidiaries. MBBank operates a network of branches and digital platforms to serve customers across Vietnam and selected international markets. The company is headquartered in Hanoi, Vietnam, and its shares are listed on the HOSE.