We reiterate a BUY rating and lift our TP by 6.3% as a result of rolling our valuation date forward to YE2020, which is partly offset by a 1.1% trim in our aggregate net income during 2019F-2021F.We raise our 2019F net income by 0.3% to VND7.7tn (USD330mn, +24.3% YoY) as our 6.3% pre-provision operating profit (PPOP) upward revision is offset by a 21.7% lift in provision charges.