| Cover Page | 1 |
| Contents | 2 |
| Corporate Profile | 3 |
| Message to Shareholders | 6 |
| Board of Directors | 8 |
| Key Management | 14 |
| Group Structure | 17 |
| Key Capabilities | 19 |
| Global Presence | 28 |
| Financial Highlights | 30 |
| Corporate Information | 32 |
| Contents | 33 |
| Report on Corporate Governance | 34 |
| Risk Management Policies and Processes | 47 |
| Directors' Report | 48 |
| Statement by Directors | 51 |
| Independent Auditor's Report | 52 |
| Balance Sheets | 53 |
| Consolidated Income Statement | 54 |
| Consolidated Statement of Comprehensive Income | 55 |
| Statements of Changes in Equity | 56 |
| Consolidated Cash Flow Statement | 59 |
| Notes to the Financial Statements | 60 |
| Statistics of Shareholdings | 119 |
| Notice of Annual General Meeting | 121 |
| Proxy Form | 125 |