| Cover | 1 |
| Our Business Segments | 4 |
| Letter to Shareholders | 6 |
| Q&A with the CEO | 9 |
| Corporate History and Milestones | 10 |
| Board of Directors | 12 |
| Executive Officers | 14 |
| Operations Review | 16 |
| Financial Highlights | 18 |
| Financial Review | 19 |
| Corporate Information | 22 |
| Corporate Governance | 23 |
| Financial Contents | 37 |
| Report of the Directors | 38 |
| Statement of Directors | 42 |
| Independent Auditors’ Report | 43 |
| Statements of Financial Position | 45 |
| Consolidated Statement of Profit or Loss and Other Comprehensive Income | 46 |
| Statements of Changes in Equity | 47 |
| Consolidated Statement of Cash Flows | 49 |
| Notes to Financial Statements | 50 |
| Statistics of Shareholdings | 92 |
| Notice of Annual General Meeting | 94 |
| Notice of Books Closure and Dividend Payment Date | 97 |
| Proxy Form | 99 |