ABC (01288) reported third-quarter pre-provision profits and net profits that were 5% and 4% higher than Goldman Sachs' forecasts, respectively. Net interest income met expectations, while loans grew 9% year-on-year, with retail loans up 7% and corporate loans rising 9%. The common equity Tier 1 (CET1) ratio increased by 5 basis points quarter-on-quarter to 11.2%, though it was 11 basis points below estimates. Goldman Sachs maintained a "Neutral" rating on ABC, with an H-share target price of HK$4.88.