The BMPT-72 (and BMPT) as seen by many other people on here does not deserve to be at 10.3, the vehicle has the same armour protection as the T-90M and even toptier shells such as M829A2 will struggle to frontally deal any meaningful damage to it unless you hit the lower front plate. It is covered front and sides by Relikt ERA and spall liners(on the BMPT-72), frontally with thick composite armour. Ontop of that it also gets several tandem ATGMs, two 30mm autocannons, a very low profile and good mobility.
The vehicle could be (at minimum) BR 11.0, potentially even 12.0 as it shouldn’t be able to meet BR 9.7- vehicles in downtiers at the very least.
M829A2 protection map:

The only place to shoot where it would deal any meaningful damage would be the lower front plate.(though depending on the angle its hit at it may only take out the driver)