ACB released results for FY2018 with PBT of VND6.4tn (USD275mn, +140.5% YoY), achieving 102.2% of our full-year forecast. In particular, Q4 2018 achieved PBT of VND1.6tn (USD69mn; +147.2% YoY). FY2018 ROA and ROE were 1.7% and 27.7%, respectively. NIM ros