1Review
Financial and Operational Highlights 01
Markets 02
Products 04
Case Study - Healthcare 06
Chairman's Statement 07
Chief Executive's Review 08
Key Performance Indicators 14
Risk Management 15
Financial Review 16
2 Governance
The Board of Directors 18
Directors' Report 20
Corporate Governance Report 21
Directors' Remuneration Report 23
Statement of Directors' Responsibilities 27
3 Financial
Statement
Independent Auditors' Report on 28
the Group Financial Statements
Consolidated Income Statement 29
Consolidated Balance Sheet 30
Consolidated Statement of 31
Changes in Equity
Consolidated Cash Flow Statement 32
Notes to the Consolidated 33
Financial Statements
Company Balance Sheet 66
Notes to the Company 67
Balance Sheet 4 Information
Five Year Review 71
Advisors 72
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