| Cover | 1 |
| Contents | 2 |
| Corporate Information | 3 |
| Business Divisions | 4 |
| President’s Statement | 5 |
| Profile of the Board of Directors | 12 |
| 5 Years Financial Highlights | 16 |
| Corporate Governance Statement | 18 |
| Other Statements and Disclosures | 26 |
| Internal Control Statement | 28 |
| Audit Committee Report | 31 |
| Directors’ Responsibility Statement | 35 |
| Financial Statements | 36 |
| Group Properties | 117 |
| Analysis of Shareholdings | 119 |
| Notice of Annual General Meeting | 122 |
| Form of Proxy | 128 |
| Personal Data Protection Notice | 130 |