- We maintain our BUY rating for VPB but decrease our target price (TP) by 7.7% to VND24,000/share due to (1) a 24% aggregate decrease in our projection for 2023-2027F NPAT-MI (-26%/-26%/-23%/-23%/-22% in 2023/24/25/26/27F, respectively) and (2) decreasin