BID released H1 2023 results with TOI of VND34.8tn (USD1.5bn; +1.2% YoY) and NPAT-MI of VND10.9tn (USD462mn; +24.8% YoY), achieving 45.5% and 51.9% of our full-year 2023 forecasts, respectively. Q2 2023 NPAT-MI was VND5.4tn (-0.8% QoQ & +5.2% YoY). We do