KBC‘s 9M 2018 top line surged 64% YoY to VND1.66tn (USD72mn), but reported NPAT-MI declined 10% YoY to VND489bn (USD21mn). Excluding a one-off financial gain of VND355bn (USD15mn) from the sale of the Lotus hotel project in Q2 2017, KBC’s underlying NPAT-MI was up 89% YoY.