2019 Annual Report

1 CORPORATE MISSION
3 CORPORATE INFORMATION
4 BRANCH NETWORK
10 CORPORATE PROFILE
11 FINANCIAL HIGHLIGHTS
12 SIMPLIFIED BALANCE SHEET
13 SUMMARY OF FIVE-YEAR GROWTH
14 BOARD OF DIRECTORS
15 BOARD OF DIRECTORS' PROFILE
19 CHAIRMAN STATEMENT
21 CORPORATE GOVERNANCE
28 BUSINESS OPERATIONS
32 ANALYSIS OF THE FINANCIAL STATEMENTS
34 REPORT OF THE BOARD OF DIRECTORS
39 INDEPENDENT AUDITORS' REPORT
42 CONSOLIDATED STATMENT OF FINANCIAL POSITION
44 CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
45 CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
47 CONSOLIDATED STATEMENT OF CASH FLOWS
48 SEPARATE STATMENT OF FINANCIAL POSITION
50 SEPARATE STATMENT OF COMPREHENSIVE INCOME
51 SEPARATE STATEMENT OF CHANGES IN EQUITY
52 SEPARATE STATEMENT OF CASH FLOWS
53 NOTES TO THE FINANCIAL STATEMENTS
149 CALENDAR OF SIGNIFICANT EVENTS 2019
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