ACB released consolidated results for H1 2018 with a bottom line of VND2.5tn (USD107mn, +151% YoY). In particular, Q2 2018 achieved consolidated net-earnings of VND1.3tn (USD55mn; +162% YoY, +15% QoQ). Q2 results were driven by. Net interest income (NII) increased by 23% YoY with no change in NIM of 3.41% from Q1 2018. NII contributed 78% to TOI.