BID released 9M 2022 results with TOI of VND51.9tn (USD2.1bn; +10.1% YoY) and NPAT-MI of VND14.0tn (USD572mn; +67.7% YoY), achieving 75.3% and 83.4% of our FY 2022 forecasts, respectively. The increase in the bottom line was mainly due to (1) a 15.5% YoY