Separate Annual Report 2021

In response to the COVID-19 environment and the related changes it has brought upon us we took the opportunity to revisit and review our strategic plan in order to redetermine what is required to realise our vision of providing an unrivaled member experience and becoming a group of companies consistently improving the livelihood of people and their communities. 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 . . . . . . . . . . . . 16 Independent Auditors’ Report . . . . . . . . . 24 Financial Statements . . . . . . . . . . . . . . . . . 28 CONTENTS