BID released results for 9M 2020 with NPAT-MI of VND5.5tn (USD236mn; +0.1% YoY), completing 73.9% of our full-year 2020 forecast. BID’s flat bottom line was due to a 4.4% YoY decrease in net interest income (NII) that was offset by a 18.6% YoY boost in no