|
Our business |
2 |
|
Who we are |
2 |
|
About this report |
97 |
|
To our investors and other interested stakeholders |
4 |
|
How we provided value in 2018 |
5 |
|
Where we operate |
6 |
|
What we offer |
7 |
|
Chairman's statement |
8 |
|
CEO’s statement |
10 |
|
Our business model |
12 |
|
How we create value |
13 |
|
How we sustain value |
14 |
|
Our operating environment |
16 |
|
Our key relationships |
18 |
|
Stakeholder 'hot topics' in 2018 |
20 |
|
Our performance |
22 |
|
Delivering on our strategy |
22 |
|
Segmented Propositions |
24 |
|
Best Customer Experience |
28 |
|
Best Technology |
32 |
|
Digital Organisation and Culture |
36 |
|
Our Brand and Reputation |
38 |
|
CFO's statement |
42 |
|
Tax and our contribution to public finances |
44 |
|
Condensed consolidated income statement |
45 |
|
Condensed consolidated statement of comprehensive income |
46 |
|
Condensed consolidated statement of financial position |
47 |
|
Condensed consolidated statement of changes in equity |
48 |
|
Condensed consolidated statement of cash flows |
49 |
|
Our segment performance South Africa |
50 |
|
Our segment performance International |
52 |
|
Five-year historic review |
56 |
|
Five-year historic review per segment |
57 |
|
Our governance |
58 |
|
Who governs us |
58 |
|
Best customer experience |
59 |
|
Corporate governance report |
60 |
|
Our principal risks |
66 |
|
Remuneration report |
70 |
|
Administration |
82 |
|
Share information |
82 |
|
Disclaimer |
84 |
|
Glossary |
85 |
|
Corporate information |
86 |
|
Notice of annual general meeting |
87 |
|
Form of proxy |
93 |
|
Notes to the form of proxy |
94 |


