- We maintain our BUY rating for HDB and increase our target price (TP) by 7.1% to VND22,500/share mainly due to (1) a 5.1% increase in our aggregate 2023-2027F NPAT-MI (+8.0%/+4.6%/+4.6%/+5.1%/+4.3% for 2023/24/25/26/27F, respectively) and (2) the positi