| Vision & Mission Statement | 3 |
| Information about the Group | 5 |
| Directors and Executives | 17 |
| The Year in Review | 24 |
| Financial Statements | 45 |
| Independent Auditor's Report | 45 |
| Consolidated Statement of Financial Position | 47 |
| Consolidated Statement of Income | 48 |
| Consolidated Statement of Comprehensive Income | 49 |
| Consolidated Statement of Changes in Equity | 50 |
| Consolidated Statement of Cash Flows | 51 |
| Notes to the Consolidated Financial Statements | 52 |
| Proxy Form | 85 |