Home Report Information Letter of Transmittal Contact Information Part 1: Overview About IBA Chair Review CEO Review Annual Performance Statements Part 2: Year in Review Our Highlights Environment Strategy Sustainable Development Goals Risk Management Outlook Part 3: Products & Markets Overview Results Homes Snapshot Business Solutions Snapshot Investment & Asset Management Snapshot Part 4: Governance Governance Framework Accountability IBA Board Internal Governance External Scrutiny Environmental Performance Part 5: People Management Workplace Profile Diversity Capability Development Employee Wellbeing Outlook Part 6: Financial Performance Financial Snapshot Independent Auditor’s Report Statement by Directors, CEO & CFO Comprehensive Income Financial Position Changes in Equity Cash Flow Notes Part 7: Appendices & References Appendix A: Consultants Appendix B: Key Outreach Activities Tables and Figures Compliance Index Related Downloads IBA Annual Report 2017–18