BID released results for 9M 2019 with NPAT-MI of VND5.5tn (USD236mn, -2.6% YoY), completing 68% of our FY 2019 forecast. Annualized 9M 2019 ROA and ROE stood at 0.5% and 12.9%, respectively. All QoQ figures below are Q3 2019 vs Q2 2019 comparisons unless stated otherwise.