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Our business
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About this report
How to get the most out of our Integrated report
To our investors and other interested stakeholders
How we provided value in 2018
Where we operate
What we offer
Chairman's statement
CEO's statement
Our business model
How we create value
How we sustain value
Our operating environment
Our key relationships
Stakeholder 'hot topics' in 2018

Our performance
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Delivering on our strategy
Segmented Propositions
Best Customer Experience
Best Technology
Digital Organisation and Culture
Our Brand and Reputation
CFO's statement
Tax and our contribution to public finances
Condensed consolidated income statement
Condensed consolidated statement of comprehensive income
Condensed consolidated statement of financial position
Condensed consolidated statement of changes in equity
Condensed consolidated statement of cash flows
Our segment performance South Africa
Our segment performance International
Five-year historic review
Five-year historic review per segment

Our governance
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Who governs us
Who leads us
Corporate governance report
Our principal risks
Remuneration report

Administration
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Share information
Disclaimer
Glossary
Corporate information
Notice of annual general meeting
Form of proxy and Notes to the form of proxy

Annual financial statements
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Directors' statement of responsibility
Certificate by the Company Secretary
Independent auditor's report on the consolidated annual financial statements
Director's report
Report of the Audit, Risk and Compliance Committee
Consolidated income statement
Consolidated statement of comprehensive income
Consolidated statement of financial position
Consolidated statement of changes in equity
Consolidated statement of cash flows
Notes to the consolidated annual financial statements
Independent auditor's report on the summarised Company financial statements
Summarised Company income statement
Summarised Company statement of comprehensive income
Summarised Company statement of financial position
Summarised Company statement of changes in equity
Summarised Company statement of cash flows
Notes to the Summarised Company financial statements
Addendum A: Interest in material subsidiaries



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