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Highlights for 2017 		4
Who we are 		6
Our mission 		6
Our values 		7
Our strategy 		7
Why is PPS unique? 		7
The mutual ethos 		7
Focus on the graduate professional market 		7
Long-term mindset 		7
Members’ returns 		7
Governance 		7
Group structure 		8
Chairman's statement 		10
CEO's message 		12
Group performance at a glance 		16
PPS Insurance 		17
PPS Investments 		19
PPS Short-Term Insurance 		20
PPS Financial Planning 		21
PPS Healthcare Administrators 		22
Key performance indicators 		24
How PPS addresses principal risks and uncertainties 		25
Risks 		25
PPS in the future 		26
Our strategy 		26
PPS Group Consolidated Statement of Financial Position 		27
PPS Group Consolidated Statement of Profit or Loss and Comprehensive Income 		28
Human capital 		29
Social and relationship capital 		32
Investing in the future 		32
Full circle 		33
PPS Foundation & PPS Educational Trust 		33
Employee and member volunteerism 		35
Intellectual capital 		36
PPS Holdings Trust board of trustees 		38
PPS Insurance Company Limited board of directors 		40
PPS Group Executive committee 		42
PPS Investments board of directors 		44
PPS Short-Term Insurance board of directors 		45
PPS Healthcare Administrators board of directors 		46
Corporate Governance Report 		48
Annual Financial Statements 2017 		70
Statement of Responsibility by the Board of Trustees 		72
Certificate by the Secretary 		73
Independent Auditor's Report 		74
Report of the Independent Actuary 		77
Investment Returns and Profit Allocation to Policyholders' PPS Profit-Share Account 		81
Trustees' Report 		84
Audit Committees' Report 		86
Group Social and Ethics Committee's Report 		90
Consolidated Statement of Financial Position 		92
Consolidated Statement of Profit or Loss and Other Comprehensive Income 		93
Consolidated Statement of Changes in Equity 		94
Consolidated Statement of Cash Flows 		95
Group Accounting Policies 		96
Notes to the Consolidated Financial Statements 		109
PPS Holdings Trust Annual Financial Statements 		166
Action required by members in regard to the 2018 annual general meeting 		168
Notice to the members of the annual general meeting and CV’s of candidates standing for election 		169
Form of proxy 		179
Administrative information 		181
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