BID released its 9M 2024 results with TOI of VND54.7tn (USD2.2bn; +4% YoY) and PBT of VND22.1tn (USD882mn; +12% YoY), fulfilling 67% and 69% of our respective 2024F forecasts. These results imply Q3 2024 PBT of VND6.5tn (-20% QoQ; +10% YoY). Overall, BID’