2018 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
27 BUSINESS OPERATIONS
31 ANALYSIS OF THE FINANCIAL STATEMENTS
33 REPORT OF THE BOARD OF DIRECTORS
38 INDEPENDENT AUDITORS' REPORT
41 CONSOLIDATED BALANCE SHEET
42 CONSOLIDATED INCOME STATEMENT
43 CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
44 CONSOLIDATED STATEMENT OF CASH FLOWS
45 SEPARATE BALANCE SHEET
46 SEPARATE INCOME STATEMENT
47 SEPARATE STATEMENT OF CHANGES IN EQUITY
48 SEPARATE STATEMENT OF CASH FLOWS
49 NOTES TO THE FINANCIAL STATEMENTS
116 CALENDAR OF SIGNIFICANT EVENTS 2018
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