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264
PPS 2023 INTEGRATED REPORT
About our Integrated Report
4
Highlights
6
Who we are and what makes us different
7
Mutuality
11
Strategy
12
Leadership commentary
14
Chairman’s statement
16
CEO’s message to members
24
Group performance
30
PPS Life Solutions
32
PPS Advice and Distribution
34
PPS Investments
37
PPS Short-Term Insurance
40
PPS Healthcare Administrators
44
Material matters and risk management
48
Abridged financial statements
51
PPS Group consolidated statement of financial position
51
PPS Group consolidated statement of profit or loss and comprehensive income
52
Key performance indicators
53
Corporate governance report
55
Annual financial statements
83
Statement of responsibility by the Board of Trustees
84
Certificate by the Secretary
85
Statement of responsibility by the Group Chief Executive Officer and Group Chief Financial Officer
86
Independent Auditor’s Report
87
Investment returns and profit allocation to policyholders’ PPS Profit-Share Account
90
Trustees’ Report
92
Audit Committees’ Report
94
Group Social and Ethics Committee’s Report
98
Remuneration Report by the Group Remuneration Committee
101
Consolidated Statement of Financial Position
104
Consolidated Statement of Profit or Loss and Other Comprehensive Income
105
Consolidated Statement of Changes in Equity
106
Consolidated Statement of Cash Flows
107
Group Accounting Policies
108
Notes to the Consolidated Financial Statements
135
Action required by members in regard to the 2024 Annual General Meeting
240
Notice to the members of the Annual General Meeting and CVs of Candidates standing for election
241
Form of proxy
260
Administrative information
263
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