)
Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
MILITARY COMMERCIAL JOINT
MILITARY COMMERCIAL JOINT (MBB) investor relations material
MILITARY COMMERCIAL JOINT Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved strong growth in Q3 2025 with TOI up 24% year-over-year and PBT up 12% despite higher provision expenses (+82%).
Maintained high efficiency with ROE at 20% and ROA at 2.0%, positioning among the top in the industry.
CASA ratio at 37% and NPL ratio controlled at 1.9% for the group, with a target to keep NPL below 2%.
Financial highlights
TOI reached VND 48.2 trillion (+24% YoY); NII grew 23.5%, NFI surged 40.5%.
Pre-provision profit increased by 28.1%; PBT rose 12% YoY.
Revenue and NII growth driven by strong credit expansion and improved lending rates.
CIR improved to 28% in Q3 2025 from 31% at end-2024.
Total consolidated assets up 18% from end-2024; customer loans and corporate bonds up 18.5%.
Outlook and guidance
NPL will continue to be strictly managed in 2025, targeting 1.5% for the bank and 1.7% for the group by year-end.
CAR ratio (Cir.41) at 11.7%, supporting future capital needs and balancing profitability and risk.
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 JOINT
- Net profit after tax rose 16% year-over-year, with assets and capital both significantly increasing.MBB
Q2 20255 Sep 2025 - Net profit after tax rose to VND 16,350 billion, driven by strong loan and deposit growth.MBBQ3 202413 Jun 2025
- Net profit after tax rose 10.99% year-over-year to VND 10,697 billion on strong fee and trading income.MBBQ2 202413 Jun 2025
- Profit after tax rose 7.5% to VND 22,634 billion, driven by robust loan and deposit growth.MBBQ4 20249 Jun 2025
- Q1 2025 net profit rose 46% year-over-year, with strong growth in assets and capital.MBBQ1 20256 Jun 2025
Next MILITARY COMMERCIAL JOINT earnings date
Q4 202531 Mar, 2026
MILITARY COMMERCIAL JOINT
Next MILITARY COMMERCIAL JOINT earnings date
Q4 202531 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Explore our global coverage