BID released results for FY 2019 with NPAT-MI of VND8.5tn (USD364mn, +15.3% YoY), completing 99% of our full-year 2019 forecast. FY 2019 ROA and ROE stood at 0.6% and 12.8%, respectively. All QoQ figures below are Q4 2019 vs Q3 2019 comparisons unless stated otherwise.