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Full Financial Report

for the year ended 31 December 2007

Table of contents

Income statement 40
Balance sheet 41
Statement of recognised income and expenses 42
Statement of cash flows 43
Notes to the financial statements 44

1. Summary of significant accounting policies 44

2. Segment information 53

3. Income 55

4. Expenses 56

5. Income tax 57

6. Receivables 58

7. Equity, debt and property securities and other financial assets 59

8. Investment property 60

9. Property, plant and equipment 61

10. Other assets 61

11. Intangibles 62

12. Payables 63

13. Provisions 63

14. Borrowings 64

15. Subordinated debt 64

16. Dividends 65

17. Contributed equity 66

18. Reserves and retained earnings 67

19. Life insurance contracts 69

20. Other life insurance and investment contracts disclosures 76

21. Discontinued operations held for sale 78

22. Risk management and financial instruments information 81

23. Capital management 90

24. Notes to the statement of cash flows 92

25. Earnings per share 93

26. Superannuation funds 94

27. Share-based payments 97

28. Group controlled entity holdings 102

29. Investments in associated entities 108

30. Forward investments, leasing and other commitments 109

31. Contingent liabilities 109

32. Related-party disclosures 110

33. Auditors’ remuneration 113

34. Events occurring after reporting date 113
Directors’ declaration 114
Independent audit report 115