9M 2024: Net revenue was VND99.8tn (USD4.0bn; +15% YoY) and NPAT-MI was VND2.9tn (USD115mn; +37.1x YoY), fulfilling 75% and 65% of our respective 2024 forecasts. NPAT-MI was behind our expectations mainly due to higher-than-expected SG&A expenses/sales in