Page
Mission & Corporate Goals	2
Corporate Information	3
Notice of Meeting	4
Financial Highlights	5-6
Review of Joint Deputy Chairman (Non-Life Insurance)	7-8
Review of Joint Deputy Chairman (Life Insurance)	9-12
Management Discussion & Analysis	13-22
Reinsurance Arrangements	23
Sustainability Report	24-31
Branch Network	32-33
Events of the year - General	34-36
Events of the year - Life	37-40
Board of Directors	41-47
Corporate Governance	48-49
Corporate Management - Non Life	50
Corporate Management - Life	51
Senior Sales Management - Non Life	52-54
Management Staff	55-58
Financial Calendar	59
Financial Statements	59-138
Value Added Statement	139
Quarterly Analysis 2008	140
Quarterly Analysis 2007	141
Ten Year Summary	142-143
Glossary of Financial & Insurance Terms	144-146