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Results Summary
Chair's Statement
Chief Executive's Overview
Operational and Business Developments
Investments
Directors' Report
Corporate Governance Report
Auditor's Report
Financial Statements
Notes
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Report Home
Results Summary
Chair's Statement
Chief Executive's Overview
Summary
Financial performance
Financial strength
Co-operative Financial Services
People
Service channels
Developing our products
Increasing savings
A responsible business
2004 and beyond
Operational and Business Developments
Sales
Products and Services
Claims
Regulatory Developments
Investments
Investments
The Executive Team
Directors' Report
Status
Principal activity and review of the business
Social and environmental responsibility
Interest
Premium Rebates
International financial reporting standards
Charitable and political donations
Diversity
Health and safety at work
Employee involvement
Auditor
Preparation of the financial statements
Corporate Governance Report
Introduction
The Board of Directors
Directors' committees
Executive committee
Directors' fees
CIS Remuneration report
Internal control
Going concern
Auditor's Report
Auditor's Report
Responsibilities
Basis of audit opinion
Opinion
Financial Statements
Financial Statements
Profit and loss account
Statement of total recognised gains and losses
Reconciliation of movement in shareholders' funds
Consolidated balance sheet
Society's balance sheet
Cash flow statement
Notes on the cash flow statement
Notes
1 Basis Of Preparation
2 Accounting Policies
3 Premiums Earned
4 Segmental Information
5 Prior Years' Claims Provisions For General Business
6a Investment Activity Analysis
6b Longer Term Investment On General Business Funds
7 Rebates And Discounts
8 Net Operating Expenses
9 Operating Profit/(Loss) On Ordinary Activities Before Taxation
10 Staff numbers And Costs
11 Taxation
12 Land And Buildings
13 Investments In Group Undertakings
14 Other Financial Investments
15 Debtors Arising Out Of Direct Insurance Operations
16 Other Debtors
17 Tangible Assets
18 Deferred Acquisition Costs
19 Share Capital
20 Reconciliation Of Movement In Reserves
21 Fund For Future Appropriations
22 Technical Provisions
23 Provision For Other Risks And Charges
24 Creditors
25 Long Term Fund
26 Parent Undertakings And Related Party Transactions
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