| Vision, Mission, Values | 4 |
| Notice of Meeting | 6 |
| Corporate Information | 7 |
| Consolidated Financial Summary | 8 |
| Group Financial Calendar | 9 |
| Board of Directors | 10 |
| Directors' Report | 15 |
| Chairman's Review | 18 |
| Managing Director's Discussion and Analysis | 21 |
| Group Profile | 30 |
| Executive Management | 36 |
| Subsidiaries | 38 |
| Power to Make a Difference | 41 |
| Corporate Governance | 45 |
| Financial Reporting Requirements | 49 |
| Independent Auditors' Report | 51 |
| Consolidated Statement of Financial Position | 52 |
| Consolidated Statement of Income | 53 |
| Consolidated Statement of Comprehensive Income | 54 |
| Consolidated Statement of Changes In Equity | 55 |
| Consolidated Statement of Cash Flows | 56 |
| Notes to the Consolidated Financial Statements | 58 |