2008 Annual report and accounts
Full Report (PDF)
Full Report (Online Version)
Introduction, pages 1 - 3

Business Review
Key Performance Indicators, pages 4 - 6
Business Review, pages 7 - 14
Operations, pages 15 - 20
Risk Management, pages 21 - 26
Corporate Responsibility, pages 27 - 30

Management & Governance
The Board, pages 32 - 43
Committees, page 44
Corporate Governance, pages 45 - 56

Accounts
Report of the Directors, pages 58 - 62
Report of the Independent Auditors, page 63
Consolidated Income Statement, page 64
Consolidated Statement of Recognised
Income and Expense, page 64
Consolidated Balance Sheet, page 65
Consolidated Cash Flow Statement, page 66
Notes to the Consolidated Financial
Statements, pages 67 - 101
Parent Company Balance Sheet, page 102
Notes to the Parent Company Financial
Statements, pages 103 - 110
Five Year Summary, page 111