Contents Highlights Chairman's Statement Review of Operations Financial Review Directors Directors' Report Corporate Governance Board Report on Remuneration Group Accounts   Independent Auditors' Report   Income Statement   Statement of Income and Expense   Balance Sheet   Cash Flow Statement   Notes to Accounts (1 - 7)   Notes to Accounts (8 - 17)   Notes to Accounts (18 - 24)   Notes to Accounts (25 - 30)   Notes to Accounts (31 - 32)   Principal Group Companies   Five Year Record Parent Company Accounts   Independent Auditors' Report   Parent Company Balance Sheet   Notes to Parent Accounts Notice of AGM Advisers Shareholder Information