ACB released its 2023 results with TOI of VND32.7tn (USD1.6bn; 13.7% YoY) and NPAT of VND16.0tn (USD663mn; +17.2% YoY), achieving 99.4% and 101.3% of our respective full-year forecasts. Q4 2023 NPAT was VND4.0tn (relatively flat QoQ & +39.6% YoY). We do n