| Cover | 1 |
| Corporate Information | 3 |
| Letter to Shareholders | 4 |
| Board of Directors and Senior Advisor | 6 |
| Management Team | 9 |
| Senior Personnel | 10 |
| Our Products | 11 |
| Our Presence | 12 |
| Financial and Operations Review | 14 |
| Financial Highlights | 17 |
| Corporate Governance Report | 19 |
| Directors' Report | 31 |
| Statement by Directors | 34 |
| Independent Auditor's Report | 35 |
| Consolidated Income Statement | 37 |
| Consolidated Statement of Comprehensive Income | 38 |
| Balance Sheets | 39 |
| Statements of Changes in Equity | 40 |
| Consolidated Statement of Cash Flow | 42 |
| Notes to the Financial Statements | 43 |
| List of Major Properties | 110 |
| List of Substantial Shareholders | 111 |
| Statistics of Shareholdings | 112 |
| Notice of AGM | 113 |
| Proxy Form | 117 |