ACB released its 9M 2024 results, reporting TOI of VND25.0tn (USD998mn; 2.4% YoY) and PBT of VND15.3tn (USD613mn; +2.1% YoY), with both figures completing 69% of our full-year forecasts. On a QoQ basis, Q3 2024 TOI and PBT decreased by 6% and 13%, respect