Contents
LV= Numbers 4
Our Strategy 6
Statements and Reviews
Chairman Statement 8
Chief Executive Statement 10
Finance Director Review 12
Our Businesses
GI Business 18
Life Business 22
Risk Management
Risk Report 26
Corporate Governance
Statements and Reviews
Approach to Corporate Governance 30
Directors’ Report 37
Corporate Social Responsibility 40
Directors’ Report on Remuneration 44
Glossary 50
Our Businesses
Our Accounts 53
Risk Management
Corporate Governance
Our Accounts