CHAIRMAN'S LETTER
CORPORATE GOVERNANCE
STATUTORY BODY
MANAGEMENT
MANAGEMENT DISCUSSION AND ANALYSIS
INTRODUCTION
KEY FIGURES OF THE FNB GROUP
ECONOMIC environment
BANKING SECTOR
FNB GROUP PERFORMANCE
SOURCES OF FUNDS
USES OF FUNDS
PROFITABILITY
CAPITAL MEASUREMENT
FINANCIAL AND NON-FINANCIAL DEVELOPMENTS
CONSOLIDATED FINANCIAL STATEMENTS AND AUDITORS' REPORT
INDEPENDENT AUDITORS' REPORT
CONSOLIDATED STATEMENT OF FINANCIAL POSITION
CONSOLIDATED STATEMENT OF PROFIT OR LOSS
CONSOLIDATED STATEMENT OF PROFIT OR LOSS and Other
COMPREHENSIVE INCOME
CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
CONSOLIDATED STATEMENT OF CASH FLOWS
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
ADDRESSES
0