| Cover | 1 |
| Contents | 2 |
| Corporate Profile and Milestones | 2 |
| Chairman's Statement | 4 |
| Group CEO's Statement | 6 |
| Board of Directors | 10 |
| Senior Management | 12 |
| Group Structure | 13 |
| Five-Years Financial Profile | 15 |
| Financial Review | 17 |
| Financial and Corporate Calendar | 18 |
| Corporate Information | 19 |
| Directory of Principal Offices | 21 |
| Financial Report | 22 |
| Corporate Governance Report | 23 |
| Directors' Report | 34 |
| Statement by Directors | 39 |
| Independent Auditor's Report | 40 |
| Consolidated Statement of Comprehensive Income | 42 |
| Balance Sheets | 43 |
| Statements of Changes in Equity | 44 |
| Consolidated Statement of Cash Flows | 48 |
| Notes to the Financial Statements | 50 |
| Shareholder's Information | 131 |
| Notice of Annual General Meeting | 133 |
| Proxy Form | 141 |