- We maintain our target price (TP) of VND47,300/share and downgrade our rating for BID to OUTPERFORM from BUY. - We increase our aggregate 2025-2029F earnings forecast by 2.8% (respective changes of +2.0%/+2.0%/-0.6%/+2.6%/+6.5% for 2025/26/27/28/29F). T