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Contents
Group operations: Scotland
Introduction
Highlights
Chairman’s statement
Chief executive’s statement
Financial review
Board of directors
Directors’ report
Corporate governance report
Remuneration committee report
Independent auditors’ report
Consolidated profit and loss account
Consolidated balance sheet
Company balance sheet
Consolidated cash flow statement
Accounting policies
Notes to the financial statements
Notice of annual general meeting
Corporate information
Company diary 2006
Contact details
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Annual report and financial statements 2005 - Contents & overview of group operations: Scotland
IFC GROUP OPERATIONS: SCOTLAND 1 CORPORATE STATEMENT AND HIGHLIGHTS 2 CHAIRMAN’S STATEMENT 3 CHIEF EXECUTIVE’S STATEMENT 6FINANCIAL REVIEW 9 BOARD OF DIRECTORS 10 DIRECTORS’ REPORT 12CORPORATE GOVERNANCE REPORT 13 REMUNERATION COMMITTEE REPORT 15 INDEPENDENT AUDITORS’ REPORT 16CONSOLIDATED PROFIT AND LOSS ACCOUNT 17 CONSOLIDATED BALANCE SHEET 18 COMPANY BALANCE SHEET 19CONSOLIDATED CASH FLOW STATEMENT 20 ACCOUNTING POLICIES 22 NOTES TO THE FINANCIAL STATEMENTS 31 NOTICE OF ANNUALGENERAL MEETING IBCCORPORATE INFORMATION AND COMPANY DIARY