| Contents | 2 |
| Corporate Information | 3 |
| Corporate Structure | 4 |
| Chairman's Statement | 5 |
| Profile of Directors | 8 |
| Corporate Social Responsibility Statement | 10 |
| Financial Highlights | 12 |
| Corporate Governance Statement | 13 |
| Statement on Risk Management and Internal Control | 23 |
| Audit Committee Report | 26 |
| Other Information | 31 |
| Directors' Report | 32 |
| Directors' Statement | 36 |
| Independent Auditors' Report to the Members | 37 |
| Statements of Financial Position | 39 |
| Statements of Comprehensive Income | 40 |
| Consolidated Statement of Changes Equity | 41 |
| Statement of Changes in Equity | 42 |
| Statements of Cash Flows | 43 |
| Notes to the Financial Statements | 44 |
| Supplementary Information | 91 |
| List of Landed Properties | 92 |
| Analysis of Shareholdings | 93 |
| Notice of Annual General Meeting | 95 |
| Proxy Form | 98 |