HDB released 9M 2021 consolidated results with TOI of VND12.1tn (USD527mn; +23.6% YoY) and bottom-line net profit of VND4.9tn (USD212mn; +39.0% YoY), achieving 72% and 79% of our FY2021 forecasts, respectively. The increase in 9M 2021 consolidated NPAT wa