Message from the
Chairman

Excellent results earned in a difficult environment

Dear shareholders

Two years ago I wrote to you of our plans to establish a new organisational structure. The structure would allow us to be more flexible, transparent, accountable and client-focused. I can now report that the Group has successfully executed on these plans, delivering an excellent business performance in 2012 while making a seamless transition to a new Group Chief Executive Officer.

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Compare key 2012 figures to the figures from prior years.

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