04 CHAIRMAN’S LETTER
06 CORPORATE GOVERNANCE
08 Statutory Body
10 Management
12 ORGANIZATIONAL CHART
13 KEY FIGURES OF FNB GROUP
14 ACHIEVEMENTS & AWARDS
18 MANAGEMENT DISCUSSION AND
ANALYSIS
20 Operating Environment
22 FNB Group Performance
23 Sources of funds
24 Uses of Funds
27 Profitability
27 Capital Measurement
28 Financial and Non-Financial Developments
32 CONSOLIDATED FINANCIAL STATEMENTS
AND AUDITORS’ REPORT
34 Independent Auditors’ report
36 Consolidated Statement of Financial Position
38 Consolidated Statement of Income
39 Consolidated Statement of Comprehensive
Income
40 Consolidated Statement of Changes in Equity
42 Consolidated Statement of Cash Flows
43 Notes to the Consolidated Financial Statement
124 ADDRESSES