TABLE OF CONTENTS 2 4 5 9 10 12 14 22 28 30 32 36 38 42 46 49 51 52 80 CHAPTER ONE CHAPTER TWO CHAPTER THREE About our Integrated Report Highlights Who we are and what makes us different Mutuality Strategy Leadership commentary Chairman’s statement CEO’s message to members Group performance PPS Life Solutions PPS Advice and Distribution PPS Investments PPS Short-Term Insurance PPS Healthcare Administrators Material matters and risk management Abridged financial statements Key performance indicators Corporate governance report Annual financial statements 1 Table of contents
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