| Cover | 1 |
| Corporate Profile / Contents | 2 |
| Chairman’s Statement | 4-5 |
| Board of Directors | 10-11 |
| Corporate Information | 12-13 |
| Key & Senior Executives | 14-15 |
| Group Financial Highlights | 16-17 |
| Financial Calendar | 16-17 |
| Operations Review | 18-19 |
| People & The Community | 26-27 |
| Five-Year Financial Summary | 30-31 |
| Financial Review | 32-33 |
| Corporate Governance Report | 34 |
| Director's Statement & Financial Statements | 46 |
| Group Offices | 112 |
| Major Products & Services | 113 |
| Statistics of Shareholdings | 114 |
| Notice of Annual General Meeting | 116 |
| Proxy Form | 121 |