VPB released consolidated results for 9M 2021 with net profit totaling VND9.4tn (USD408mn; +24.8% YoY), which achieved 67% of our FY2021 forecast. 9M 2021 NII was up 9.4% YoY — achieving 69% of our FY2021 forecast — with consolidated NIM at 8.21% (-30 bps