BID released 9M 2021 results with TOI of VND47.1tn (USD2.1bn; +36.4% YoY) and NPAT-MI of VND8.4tn (USD363mn; +51.9% YoY), achieving 83.4% and 80.6% of our FY 2021 forecasts, respectively. The increase in the bottom line was mainly due to (1) a 42.5% YoY i