9M 2020 consolidated loan growth was 8.1% YTD, which was derived from 8.9%/6.6% YTD loan growth at the parent bank/FE Credit (FEC). As of 9M 2020, consolidated credit growth was 16.5% as the corporate bond balance increased 168% YTD to VND38.2tn/USD1.6bn, which contributed 10% to consolidated interest-earning assets (IEA).