We are pleased to provide our banking masterclass presentation from our recent Vietnam Access Day conference. We forecast above consensus bottom-line net profit growth for 2019 of 19.3% (and normalized net profit growth of 25.0%) for our banking coverage universe. EPS dilution at BID and VCB in 2019 results in a weighted EPS growth forecast of 17.4% for our coverage. We see retail-led loan book growth in 2018 continuing in 2019 and project a weighted NIM increase of 15 bps in 2018