ANNUAL REPORT 1999

Financial Highlights
Chairman's Report
Executive Deputy Chairman's Review
Group Structure
Review of Operations
Directorate and Administration
Corporate Governance
Value Added Statement
Directors' Approval
Report of the Independent Auditors
Directors' Report
Accounting Policies
Income Statements   
Balance Sheets
Cash Flow Statements
Statements of Changes in Equity
Notes to the Financial Statements
Principal Subsidiaries
Notice to Members
Analysis of Shareholders