Non-Consolidated Annual Report 2020

Mission Statement 2 Vision Statement 2 Our Common Bond 2 Training and Development 3 Our Leaders Board of Directors 4 Management Team 5 Corporate Information 6 Financial Highlights 8 Management Discussion and Analysis 10 Board of Directors’ Report 13 Independent Auditors’ Report 18 Financial Statements 22 CONTENTS Unity. Strength. Resilience. People Helping People Unity. Strength. Resilience. People Helping People Unity. Strength. Resilience. People Helping People Unity. Strength. Resilience. People Helping People Unity. Strength. Resilience. People Helping People Unity. Strengt Resilien People Helping