7
        
        
          2014 ANNUAL REPORT
        
        
          
            Dividend Payments
          
        
        
          Final dividend for year ended September 30, 2014
        
        
          December 2014
        
        
          Dividend for half year ending March 31, 2015
        
        
          May 2015
        
        
          
            Results
          
        
        
          Publication of results for first quarter to December 31, 2014
        
        
          February 2015
        
        
          Publication of results for half year to March 31, 2015
        
        
          May 2015
        
        
          Publication of results for third quarter to June 30, 2015
        
        
          August 2015
        
        
          Publication of results for year ending September 30, 2015
        
        
          November 2015
        
        
          Report and Accounts mailing
        
        
          November 2015
        
        
          Annual Meeting
        
        
          December 2015
        
        
          GroupFinancial Calendar
        
        
          TheGroup’sprofitability for 2014 increasedby $42.4million
        
        
          or 3.7%over the restatedprofit for 2013.  Thegrowth inaverageassets
        
        
          andaverageequityhowever outpaced/matched thisgrowth inprofits,
        
        
          resulting inadecrease in theReturnonAssets (ROA) from2.16%
        
        
          in2013 to2.10%in2014 though theReturnonEquity (ROE) remained
        
        
          constant at 14.33%.