BVH released consolidated 9M 2023 results with a gross written premium of VND31.5tn (USD1.2bn; -1.0% YoY) and PBT of VND1.7tn (USD70mn; +10.4% YoY), achieving 71% and 75% of our FY2023 forecasts, respectively. The bottom line in 9M 2023 aligned with our f