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

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