VCB released its H1 2024 results with TOI of VND34.0tn (USD1.4 bn; -5.4% YoY) and PBT of VND20.8tn (USD829 mn; +1.6% YoY), achieving 44% and 46% of our respective FY2024 forecasts. These results imply Q2 2024 PBT of VND10.1tn (-5.6% QoQ, +9.0% YoY). The H