HIGHLIGHTS

• Highlights
• Chairman’s address

FAST READ

• CEO welcome
• Our business at a glance
• Our four point strategy for growth
• Key performance indicators
• Our business model
• Market trends
• Leading
• Growing
• Investing
• Our risks
• Corporate governance
• Our responsibilities

OUR PERFORMANCE

• Business review
• United Kingdom
• International
• Financial review
• Our markets in action
• Our responsibilities

OUR GOVERNANCE

• Board of Directors
• Management board
• Corporate governance
• Risks in detail
• Directors’ report

FINANCIAL STATEMENTS

• Independent Auditor’s report
• Financial statements
  • Consolidated income statement
  • Consolidated statement of comprehensive income
  • Consolidated statement of financial position
  • Consolidated statement of changes in equity
  • Consolidated statement of cash flows
  • Notes to the Consolidated financial statements
  • Company income statement
  • Company statement of changes in equity
  • Company financial position
  • Company cash flows
  • Note to the company financial statements