VCB - Boost in retail lending supports NIM - Earnings Flash 2020-01-21T18:52:51 Company Research VCB released strong results for FY 2019 with NPAT-MI of VND18.5tn (USD795mn, +26.7% YoY), completing 98.2% of our full-year 2019 forecast. FY 2019 ROA and ROE were 1.6% and 25.0%, respectively. All QoQ figures below compare Q4 2019 with Q3 2019.