Autumn has arrived, bringing clement weather as a welcome relief from the summer heat. However, the market has become hotter with the closing of the third quarter, triggering the start of the last quarter of the year. This month, BIDV held its extraordinary general meeting of shareholders where important information was given to shareholders. The most notable change is that the bank’s chief executive officer is the legal representative. The bank reported positive business results, with profit before tax fulfilling 71 percent of the year’s business plan and a dividend payout ratio of 8.5 percent paid in cash.