Friday marked the end of the National Assembly’s Q&A session. SBV Governor Nguyen Van Binh’s remarks were closely watched, with investors digging for more insight into the status of the banking sector. Judging by the market’s flat performance, no bombshells were revealed. Specifically, banking reform has attracted the public’s attention but details of a restructuring plan were sparse. We still maintain that M&A within the banking system is not an easy task. In our view, healthier joint stock b