VIB released 2021 results with TOI of VND14.9tn (USDD647mn; +32.8% YoY) and bottom-line net profit of VND6.4tn (USD279mn; +38.1% YoY), achieving 101.7% and 104.5% of our FY2021 forecasts, respectively. The increase in NPAT was mainly due to (1) a 39.1% Yo