| COVER PAGE | 1 |
| LETTER TO SHAREHOLDERS | 4 |
| VISION, MISSION & CORE VALUES | 7 |
| CORPORATE STRUCTURE | 8 |
| GROUP FINANCIAL HIGHLIGHTS | 12 |
| OPERATIONS & FINANCIAL REVIEW | 16 |
| BOARD OF DIRECTORS | 19 |
| SENIOR MANAGEMENT | 22 |
| REPORT OF CORPORATE GOVERNANCE | 23 |
| DIRECTORS’ REPORT | 48 |
| STATEMENT BY DIRECTORS | 51 |
| INDEPENDENT AUDITOR’S REPORT | 52 |
| CONSOLIDATED INCOME STATEMENT | 54 |
| CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME | 55 |
| BALANCE SHEETS | 56 |
| STATEMENTS OF CHANGES IN EQUITY | 58 |
| CONSOLIDATED STATEMENT OF CASH FLOWS | 61 |
| NOTES TO THE FINANCIAL STATEMENTS | 63 |
| STATISTICS OF SHAREHOLDINGS | 145 |
| NOTICE OF ANNUAL GENERAL MEETING | 147 |
| PROXY FORM | 151 |
| CORPORATE INFORMATION | 155 |