BID released H1 2021 results with TOI of VND31.7tn (USD1.4bn; +42.9% YoY) and NPAT-MI of VND6.4tn (USD276mn; +87.4% YoY), achieving 54.0% and 57.7% of our FY 2021 forecasts, respectively. The increase in the bottom line was mainly due to (1) a 46.2% YoY i