STB’s AGM on April 20, 2018 briefly discussed its 2017 performance and 2018 guidance, answered shareholder questions and announced two new Board Members. 2018 guidance on total assets is VND431tn (USD19bn, +16.9% Y-o-Y), customer loans is VND253tn (USD11bn, +13.3% Y-o-Y), equity is VND24.1tn (USD1.1bn, no capital injection) and PBT is VND1.84tn (USD81mn, +23.2% Y-o-Y). With this guidance, ROAA and ROAE are at 0.4% and 6.2%, respectively.