| Front Cover Page | 1 |
| Contents | 2 |
| Vision, Mission and Our Values | 3 |
| Letter to Shareholders | 6 |
| Corporate Structure | 9 |
| Operations Review | 11 |
| Financial Review | 13 |
| Board of Directors | 14 |
| Key Management | 17 |
| Corporate Information | 18 |
| Directors’ Report | 19 |
| Statement by Directors | 22 |
| Independent Auditors’ Report | 23 |
| Statements of Financial Position | 24 |
| Consolidated Income Statement | 25 |
| Consolidated Statement of Comprehensive Income | 26 |
| Consolidated Statement of Changes in Equity | 27 |
| Consolidated Statement of Cash Flows | 28 |
| Notes to the Financial Statements | 30 |
| Corporate Governance Report | 87 |
| Risk Management Policies and Processes | 109 |
| Shareholdings Statistics | 111 |
| Notice of Annual General Meeting | 113 |
| Proxy Form | 116 |
| Back Cover Page | 118 |