| Cover | 1 |
| Corporate Profile / Milestones / Our Services | 3 |
| Chairman's Statement | 4 |
| Group CEO'S Statement | 6 |
| Board Of Directors | 10 |
| Senior Management | 12 |
| Group Structure | 13 |
| Five-Years Financial Profile | 14 |
| Financial Review | 16 |
| Financial And Corporate Calendar | 18 |
| Corporate Information | 19 |
| Directory Of Principal Offices | 20 |
| Financial Report | 22 |
| Corporate Governance Report | 23 |
| Directors' Statement | 36 |
| Independent Auditor's Report | 42 |
| Consolidated Statement Of Comprehensive Income | 44 |
| Balance Sheets | 45 |
| Statements Of Changes In Equity | 46 |
| Consolidated Statement Of Cash Flows | 49 |
| Notes To The Financial Statements | 51 |
| Shareholders' Information | 135 |
| Notice Of Annual General Meeting | 137 |
| Proxy Form | 143 |