| Cover | 1 |
| Corporate Information | 3 |
| Letter to Shareholders | 4 |
| Board of Directors | 6 |
| Management Team | 9 |
| Senior Personnel | 10 |
| Our Products | 11 |
| Our Presence | 12 |
| Financial and Operations Review | 14 |
| Financial Highlights | 18 |
| Corporate Governance Report | 19 |
| Directors' Statement | 35 |
| Independent Auditor's Report | 39 |
| Consolidated Income Statement | 41 |
| Consolidated Statement of Comprehensive Income | 42 |
| Balance Sheets | 43 |
| Statements of Changes in Equity | 44 |
| Consolidated Statement of Cash Flow | 46 |
| Notes to the Financial Statements | 47 |
| List of Major Properties | 121 |
| List of Substantial Shareholders | 122 |
| Statistics of Shareholdings | 123 |
| Notice of AGM | 124 |
| Proxy Form | 129 |