In line with expectations: margin expansion, faster volume growth FY15 in line; targets raising credit rating to investment grade 每日投资锦囊 FY15 results - significant contraction of NPL coverage a negative surprise 沪港通报告 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