ACB released inline results for FY 2019 with NPAT-MI of VND6.0tn (USD257mn, +16.7% YoY), completing 99% of our 2019 full-year forecast. FY 2019 ROA and ROE stood at 1.7% and 24.6%, respectively. All QoQ figures below are comparisons between Q4 2019 and Q3