| Front Cover Page | 1 |
| Contents | 2 |
| Corporate Profile | 3 |
| Year in Review | 4 |
| Mission & Strategy | 6 |
| Chairman's Message | 7 |
| Financial Highlights | 12 |
| Operations Review | 14 |
| Financial Review | 16 |
| Board of Directors | 18 |
| Key Management | 20 |
| Investor Relations | 22 |
| Financial Calendar | 23 |
| Corporate Social Responsibility | 24 |
| People Development | 25 |
| Group Structure | 26 |
| Financial Contents | 27 |
| Corporate Governance Statement | 28 |
| Directors' Report | 42 |
| Statement by Directors | 47 |
| Independent Auditor's Report | 48 |
| Consolidated Statement of Comprehensive Income | 50 |
| Balance Sheets | 51 |
| Consolidated Statement of Changes in Equity | 52 |
| Consolidated Statement of Cash Flows | 53 |
| Notes to the Financial Statements | 54 |
| Statistics of Shareholdings | 111 |
| Notice of Annual General Meeting | 113 |
| Proxy Form | 117 |
| Corporate Information | 119 |
| Back Cover Page | 120 |