|
Our business |
2 |
|
Who we are |
2 |
|
About this report |
4 |
|
Value created |
5 |
|
Chairman's statement |
6 |
|
Where we operate |
8 |
|
What we offer |
8 |
|
What we do |
10 |
|
How we create value |
11 |
|
How we sustain value |
12 |
|
Operating context |
14 |
|
CEO's statement |
14 |
|
Our operating environment |
18 |
|
What impacts value |
20 |
|
Stakeholder 'hot topics' |
22 |
|
Our principal risks |
24 |
|
Delivering on our strategy |
18 |
|
Segmented propositions |
24 |
|
Best customer experience |
32 |
|
Best technology |
36 |
|
Digital organisation and culture |
40 |
|
Our brand and reputation |
42 |
|
CFO's review |
48 |
|
Tax and our total economic contribution |
50 |
|
Summarised consolidated income statement |
51 |
|
Summarised consolidated statement of comprehensive income |
52 |
|
Summarised consolidated statement of financial position |
53 |
|
Summarised consolidated statement of changes in equity |
54 |
|
Summarised consolidated statement of cash flows |
55 |
|
Our segment performance |
56 |
|
South Africa |
56 |
|
International |
58 |
|
Five-year historic review |
62 |
|
Our governance structure |
64 |
|
Who governs us |
64 |
|
Who leads us |
65 |
|
Abridged corporate governance statement |
66 |
|
Abridged remuneration report |
72 |
|
Administration |
83 |
|
Independent assurance report |
83 |
|
Corporate information |
85 |
|
Share information |
86 |
|
Disclaimer |
88 |
|
Glossary |
89 |
|
Notice of annual general meeting |
90 |
|
Form of proxy |
97 |
|
Notes to the form of proxy |
98 |


