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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

44 Commitments

		Rm
	At 31 December 2004	At 31 December 2003
Undrawn formal standby facilities, credit lines and other commitments to lend	10,685	12,001
Capital and other commitments	944	143
	11,629	12,144

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