FINANCIAL HIGHLIGHTS CHAIRMAN’S STATEMENT CHIEF EXECUTIVE’S STATEMENT GROUP BUSINESS REVIEW CORPORATE CITIZENSHIP CORPORATE GOVERNANCE AND DIRECTORS’ REPORT BOARD OF DIRECTORS REMUNERATION REPORT FINANCIAL STATEMENTS NOTES TO THE FINANCIAL STATEMENTS ACHIEVED PROFITS BASIS SUPPLEMENTARY INFORMATION FINANCIAL HISTORY NOTICE OF ANNUAL GENERAL MEETING SHAREHOLDER INFORMATION

Notes to the Financial Statements

for the year ended 31 December 2004

12 Directors' Emoluments And Interests

The remuneration payable to the directors of the Company for their services to the Group, including the estimated money value of benefits in kind, share options, long term incentive plans and pension arrangements, for the year to 31 December 2004 is shown in the Remuneration Report on pages 44 to 52.

The interests of directors of the Company in shares of the Company and its quoted subsidiaries are shown in the Corporate Governance and Directors’ Report on page 27.

At 31 December 2004, one director of the Company had a loan advance outstanding of £0.1 million (R1 million) (2003: 1 director, £0.1 million (R1 million)) with banking subsidiaries of the Group. This loan has been provided on normal commercial terms.