Asset quality pressure persists Turning more positive FY15 results in line with weak guidance, capex slashed, better start in FY16 港股每日快讯 FY15 results ahead of expectation as decent noninterest income offset NIM pressure 中港市场快递 More than 15% rate cut and big downside to utilization with CNOOC; possible impairment confirmed; may issue more debt Results in line, 15% growth guidance for 2016 2015 earnings in line; guides 20%-30% volume declines in 2016; risks from Sinopec capex cut and pipeline project delay The time has not yet come