VIB released its 9M 2024 results with TOI of VND15.2tn (USD609mn; -6.3% YoY) and PBT of VND6.6tn (USD261mn; -20.7% YoY), fulfilling 61% and 54% of our respective FY2024 forecasts. These results imply Q3 2024 PBT of VND2.0tn (-5.0% QoQ; -25.5% YoY). Overal