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