2020 INTEGRATED REPORT

ABOUT OUR INTEGRATED REPORT	4
WHO WE ARE AND WHAT MAKES US DIFFERENT	7
HIGHLIGHTS	14
HUMAN CAPITAL	19
PPS DOING GOOD	25
STRATEGY	29
INNOVATION	35
CHAIRMAN’S STATEMENT	38
CEO’S MESSAGE TO MEMBERS	46
GROUP PERFORMANCE AT A GLANCE	51
PPS Life Insurance	54
PPS Advisory Services and Enablement	57
PPS Investments	60
PPS Short-Term Insurance	65
PPS Healthcare Administrators	68
MATERIAL MATTERS AND RISK MANAGEMENT	70
ABRIDGED FINANCIAL STATEMENTS	74
PPS Group consolidated statement of financial position	74
PPS Group consolidated statement of profit or loss	75
KEY PERFORMANCE INDICATORS	76
CORPORATE GOVERNANCE	79
ANNUAL FINANCIAL STATEMENTS	107
Statement of responsibility by the Board of Trustees	110
Certificate by the Secretary	111
Statement of responsibility by the Group Chief Executive Officer and Group Chief Financial Officer	112
Independent Auditor’s Report	113
Investment returns and profit allocation to policyholders’ PPS Profit-Share Account	116
Trustees’ Report	118
Audit Committees’ Report	120
Group Social and Ethics Committee’s Report	124
Consolidated Statement of Financial Position	126
Consolidated Statement of Profit or Loss and Other Comprehensive Income	127
Consolidated Statement of Changes in Equity	128
Consolidated Statement of Cash Flows	129
Group Accounting Policies	130
Notes to the Consolidated Financial Statements	146
Action required by members in regard to the 2021 Annual General Meeting	212
Notice to the members of the Annual General Meeting and CVs of Candidates standing for election	213
Administrative information	223

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