obÌåÓý

Annual report (2022-23)

• |
• - includes letter from obÌåÓý Chair and Table of contentsÌý
• - includes Chair's report, obÌåÓý's roles and responsibilities, structure and financial summary
• - includes Chair’s statement, Our purpose, Performance objectives, Measuring and reporting on our performance, Key results, Core strategic projects, Other strategic work, Ongoing regulatory and enforcement work, Service Charter results and Unclaimed money
• - includes Workforce planning and Diversity and inclusion
• - includes Glossary, Compliance index, General index and Contact details

Ìý

Annual report (2021-22)

• | Ìý
• - includes letter from letter from obÌåÓý Chair, Table of ContentsÌý
• - includes Chair's report, obÌåÓý's roles and responsibilities, structure, key projects and financial summary
• - includes Chair’s statement, Our purpose, Performance objectives, Key results, Service Charter results, Analysis â€� implementing our performance objectives, Registry services and outcomes, unclaimed money
• Ìýâ€� includes Industry funding, Deposit‑taking and credit, Insurance, Financial advice, Investment management, superannuation and related services, Market infrastructure, Market intermediaries, Corporate, Large financial institutions
• Ìý
• - includes Glossary, Compliance index, General index, Contact details

Editor's note:

obÌåÓý retracts the statement about the proceedings commenced against Sunshine Loans Pty Ltd on page 71 of the Annual Report. To clarify, in its proceedings against Sunshine Loans, obÌåÓý alleges that Sunshine Loans charged consumers additional fees, not permitted by the Code, in the form of an amendment or rescheduled payment fee. obÌåÓý corrects the statement with the following:

On 6 June 2022, obÌåÓý commenced action against Sunshine Loans Pty Ltd, in which obÌåÓý alleged Sunshine Loans had received payment of $327,845.00 in prohibited fees from consumers in relation to small amount credit contracts. The National Consumer Credit Code limits the fees that may be charged under these loans to an establishment fee, monthly fees, a fee or charge that is payable in the event of a default and a government fee, charge or duty payable in relation to the contract. obÌåÓý alleges that Sunshine Loans charged consumers additional fees, not permitted by the Code, in the form of an amendment or rescheduled payment fee.

obÌåÓý will also publish a correction in next year’s annual report.

Ìý

Annual report (2020-21)

• |
• â€� includes Table of Contents, Letter of Transmittal
• â€� includes Chair's report, obÌåÓý's role and responsibilities, structure and management, government priorities, financial summary
• â€� includes Chair’s statement, Our purpose, Performance objectives, Key results, Service Charter results, Analysis â€� implementing our investor, consumer and markets performance objectives, Registry services and outcomes, unclaimed money
• â€� includes Industry funding, Deposit‑taking and credit, Insurance, Financial advice, Investment management, superannuation and related services, Market infrastructure, Market intermediaries, Corporate, Large financial institutions
• –includes Workforce planning, Diversity and inclusion at obÌåÓý
• â€� includes Compliance index, General index, Contact details

Ìý

Annual report (2019-20)

• |
• Front pages (PDF 428 KB) â€� includes Table of Contents, Letter of Transmittal
• â€� includes Chair's report, obÌåÓý's role and responsibilities, structure and management, government priorities, financial summary
• â€� includes Chair’s statement, Our purpose, Performance objectives, Key results â€� investor, consumer and markets performance objectives, Analysis â€� implementing our investor, consumer and markets performance objectives, Registry services and outcomes, obÌåÓý Service Charter results, unclaimed money
• â€� includes Industry funding, Deposit‑taking and credit, Insurance, Financial advice, Investment management, superannuation and related services, Market infrastructure, Market intermediaries, Corporate, Large financial institutions
• â€� obÌåÓý’s MoneySmart, Regional action, Indigenous outreach, obÌåÓý in the community
• â€� includes regional and international engagement, Innovation Hub and regtech, Small Business engagement and compliance, Office of the Whistleblower, Inter-agency collaboration on financial crime, Misconduct reporting, Australian Financial Complaints Authority
• End pages (PDF 2.7 MB) â€� includes General index, Contact details

Annual report (2018-19)

• |
• â€� includes Table of Contents, Letter of Transmittal
• â€� includes Chair's report, obÌåÓý's role and responsibilities, structure and management, obÌåÓý Commissioners, Executive Directors, stakeholder teams, Regional Commissioners, Government priorities, Financial Services Royal Commission, Office of Enforcement, Enhanced approach to supervision, Financial summary and expenditure
• â€� includes Chair’s statement, Our purpose, Performance objectives, Key results â€� investor, consumer and markets performance objectives, Analysis â€� implementing our investor, consumer and markets performance objectives, Registry services and outcomes, obÌåÓý Service Charter results, Banking Act, Life Insurance Act,
  unclaimed money and special accounts
• â€� includes Purpose and structure, Deposit‑taking and credit, Insurance, Financial advice, Investment management, superannuation and related services, Market infrastructure, Market intermediaries, Corporate, Large financial institutions
• â€� obÌåÓý’s MoneySmart, Regional action, Our work with vulnerable consumers, Indigenous outreach, obÌåÓý in the community
• â€� includes regional and international engagement, Innovation Hub, Office of Small Business, Office of the Whistleblower, Inter-agency collaboration on financial crime, Misconduct reporting, Australian Financial Complaints Authority
• â€� includes Workforce planning, Diversity and inclusion at obÌåÓý
• â€� includes Glossary, Compliance index, General index, Contact details

Annual report (2017-18)

• â€� includes Table of Contents,ÌýLetter of Transmittal
• Ìýâ€� includes Chair's report, obÌåÓý's role and responsibilities, structure and management, obÌåÓý Commissioners and Regional Commissioners, obÌåÓý’s stakeholder teams and who they regulate, Government priorities and
  parliamentary inquiries, Financial summary and expenditure
• Ìýâ€� includes obÌåÓý’s MoneySmart, Regional action, Indigenous outreach, obÌåÓý in the Community
• Ìýâ€� includes Chair’s statement, Our purpose, Performance objectives, Key results â€� investor, consumer and markets performance objectives, Analysis â€� implementing our investor, consumer and markets performance objectives, Registry services and outcomes, obÌåÓý Service Charter results, Banking Act, Life Insurance Act,
  unclaimed money and special accounts
• Ìýâ€� includes Purpose and structure, Deposit-taking and credit, Insurance, Financial advice, Investment management, superannuation and related services, Market infrastructure and intermediaries, Corporate
• Ìýâ€� includes Cooperation â€� regional and international engagement, Innovation Hub, Data strategy, Office of Small Business,ÌýOffice of the Whistleblower,ÌýSerious financial crime,ÌýMisconduct reporting
• â€� includes Workforce planning,ÌýDiversity and inclusion at obÌåÓý
• â€� includes Glossary, Compliance index, General index, Contact details

Annual report (2016-17)

• â€� includes Table of Contents, KeyÌýachievements 2016-17, Government priorities and parliamentary inquiries,ÌýLetter of Transmittal, Chairman's report and Commissioners
• Ìýâ€� includes obÌåÓý's role, Corporate structure as at 30 June 2017, obÌåÓý’s surveillance coverage of regulated populations, obÌåÓý for all Australians, Financial summary and expenditure
• Ìýâ€� includes Priority 1 â€� Investor and consumer trust and confidence, Priority 2 â€� Fair and efficient markets, Priority 3 â€� Efficient registration services, Unclaimed money and special accounts
• ÌýÌýâ€� includes Priority 1 â€� Investor and consumer trust and confidence, Priority 2 â€� Fair and efficient markets, Priority 3 â€� Efficient registration services, Unclaimed money and managing property vested in obÌåÓý, Assessing misconduct and other reports, Performance agains obÌåÓý's service and operational standards, Regional activities
• ÌýÌýâ€� includes obÌåÓý’s people, Diversity at obÌåÓý, obÌåÓý in the community, Indigenous awareness and action at obÌåÓý, Ecologically sustainable development and environmental performance
• â€� includes The role of Commission, Audit Committee and audit services, External committees and panels, Portfolio budget statement outcomes, Six-year summary of key stakeholder data, Reports required under statute and other requirements, Consultancies and expenditure on advertising, obÌåÓý's use of its significant compulsory information-gathering powers, Corporate Plan performance indicators,
• â€� includes Glossary, Compliance index, General index, Contact details

ÌýMedia release

• Read the media release

Annual report (2015-16)

• â€� includes Table of Contents, KeyÌýachievements 2015-16, Government priorities and parliamentary inquiries,ÌýLetter of Transmittal, Chairman's report and Commissioners
• Ìýâ€� includes obÌåÓý's role, Corporate structure as at 30 June 2016, obÌåÓý and regulated population, obÌåÓý’s surveillance coverage of regulated populations, obÌåÓý for all Australians, Financial summary and expenditure
• Ìýâ€� includes Priority 1 â€� Investor and consumer trust and confidence, Priority 2 â€� Fair and efficient markets, Priority 3 â€� Efficient registration services, Unclaimed money and managing property vested in obÌåÓý, Assessing misconduct and other reports, Performance against obÌåÓý's service and operational standards, Regional activities
• ÌýÌý–includes obÌåÓý’s people, Diversity at obÌåÓý, obÌåÓý in the community, Indigenous awareness and action at obÌåÓý, Ecologically sustainable development and environmental performance
• â€� includes The role of Commissioners, Audit Committee and audit, assurance and compliance services, External committees and panels, Portfolio budget statement outcomes, Six-year summary of key stakeholder data, Reports required under statute and other requirements, Consultancies and expenditure on advertising, obÌåÓý's use of its significant compulsory information-gathering powers, Corporate Plan performance indicators, Glossary, Compliance index, General index, Contact details

Annual report (2014-15)

• â€� includes Table of Contents, Key outcomes 2014-15, Government priorities and parliamentary inquiries,ÌýLetter of Transmittal, Chairman's report and Commissioners
• Ìýâ€� includes obÌåÓý's role, Corporate structure as at 30 June 2015, Regulated populations and key responsibilities, obÌåÓý’s surveillance coverage of regulated populations, obÌåÓý for all Australians, Financial summary and expenditure
• Ìýâ€� includes Priority 1 â€� Investor and financial consumer trust and confidence, Priority 2 â€� Fair, orderly, transparent and efficient financial markets, Priority 3 â€� Efficient and accessible registration, Unclaimed money and managing property vested in obÌåÓý, Performance against Service Charter, Regional activities
• ÌýÌý–includes obÌåÓý’s people, Diversity at obÌåÓý, obÌåÓý in the community, Indigenous awareness and action at obÌåÓý, Environmental performance
• â€� includes The role of Commissioners, Audit Committee and audit, assurance and compliance services, External committees and panels, Portfolio Budget Statements, Six-year summary of key stakeholder data, Reports required under statute and other requirements, Consultancies and expenditure on advertising, obÌåÓý's use of its powers, Glossary, Compliance index, General index, Contact details

Annual report (2013-14)

Annual report (2012�13)

• â€� includes Table of Contents, Letter of Transmittal, Chairman's report and Commissioners
• â€� includes obÌåÓý's role, Corporate structure as at 30 June 2013, Regulated populations and key responsibilities, obÌåÓý’s surveillance coverage of regulated populations in 2012â€�13, Major enforcement outcomes, Financial summary and expenditure
• â€� includes Priority 1 â€� Confident and informed investors and financial consumers, Priority 2 â€� Fair and efficient financial markets, Priority 3 â€� Efficient registration and licensing, Assessing misconduct and other reports, Performance against Service Charter, Regional activities
• â€� includes obÌåÓý’s people, obÌåÓý in the community, Indigenous awareness and action at obÌåÓý, Environmental performance
• â€� includes The role of Commissioners, Audit Committee and audit, assurance and compliance services, External committees and panels, Portfolio Budget Statements, Six-year summary of key stakeholder data, Reports required under statute and other requirements, Consultancies and expenditure on advertising, obÌåÓý's use of its powers, Glossary, Compliance index, General index, Contact details

Annual report (2011�12)

• â€� includes Table of Contents, Letter of Transmittal, Chairman's report and Commissioners
• â€� includes Corporate structure as at 30 June 2012, Regulated populations and key responsibilities, Financial summary and expenditure, obÌåÓý’s surveillance coverage of regulated populations in 2011â€�12, obÌåÓý at work
• â€� includes Priority 1 â€� Confident and informed investors and financial consumers, Priority 2 â€� Fair and efficient financial markets, Priority 3 â€� Efficient registration and licensing, Assessing misconduct and other reports, Performance against Service Charter, Regional activities
• â€� includes obÌåÓý’s people, obÌåÓý in the community, Indigenous awareness and action at obÌåÓý, Environmental performance
• â€� includes The role of Commissioners, Audit Committee and audit, assurance and compliance services, External committees and panels, Portfolio Budget Statements, Six-year summary of key stakeholder data, Reports required under statute and other requirements, Consultancies and expenditure on advertising, Significant compulsory information‑gathering powers, Major enforcement outcomes, Glossary, Compliance index, General index, Contact details

Annual report (2010�11)

• : Letter of transmittal, Chairman’s report, Commission members at 30 June 2011, Corporate structure at 30 June 2011, Regulated populations and key responsibilities, Regional activities, Major outcomes: Financial market integrity and protection of investors and consumers, and Major outcomes: Real Economy
• : Outcomes: Financial summary and expenditure, Outcomes: Financial market integrity and protection of investors and consumers, Outcomes: Real Economy, obÌåÓý staff: Highlights, obÌåÓý in the community: Highlights, Economic overview and outlook
• : Appendices: The role of Commissioners; obÌåÓý’s role as a regulator; Audit Committee and audit, assurance and compliance services; External committees and panels; Outcomes: Portfolio Budget Statements; Six-year summary of key stakeholder data; Reports required under statute and other requirements; Consultancies and expenditure on advertising; Significant compulsory information-gathering powers; Major deterrence outcomes, Financial statements, Glossary, Index, obÌåÓý: The first 20 years 1991â€�2011, Contact details, Back cover

Annual report (2009�10)

• (PDF 3,711 KB)
• : Front cover; Letter of transmittal, 09â€�10 At a glance; Chairman’s report; Commissioners; Financial summary; Regulating through and beyond the crisis; Deterrence: Summary and major actions (PDF 1,788 KB)
• : obÌåÓý's priorities and key achievements; Priority 1: Assist and protect retail investors and financial consumers; Priority 2: Build confidence in the integrity of Australia’s capital markets; Priority 3: Facilitating international capital flows and international enforcement; Priority 4: Manage the domestic and international implications of the global financial turmoil; Priority 5: Lift operational effectiveness and service levels for all obÌåÓý stakeholders; Priority 6: Improve services and reduce costs by using new technologies and processes (PDF 814 KB)
• : New responsibilities; obÌåÓý’s people; obÌåÓý in the community; obÌåÓý in the environment; obÌåÓý in regional Australia; Additional obÌåÓý outcomes; Organisational structure; obÌåÓý’s stakeholders; Regional Commissioners; Working at obÌåÓý; Where obÌåÓý fits in the regulatory picture; Audit Committee and audit, assurance and compliance services; Appendices (PDF 1,473 KB)
• : Financial statements; Glossary; Index; Contact details (PDF 1,158 KB)

Annual report (2008�09)

• (PDF 5,484 KB)
• : Front cover; 08â€�09 At a glance; obÌåÓý’s priorities and key achievements; Chairman’s report; Financial summary; Regulating during market turbulence; Major enforcement: summary and actions (PDF 735 KB)
• : Priority 1: Assist and protect retail investors and financial consumers; Priority 2: Build confidence in the integrity of Australia’s capital markets; Priority 3: Facilitating international capital flows and international enforcement; Priority 4: Manage the domestic and international implications of the global financial turmoil; Priority 5: Lift operational effectiveness and service levels for all obÌåÓý stakeholders; Priority 6: Improve services and reduce costs by using new technologies and processes (PDF 523 KB)
• : obÌåÓý’s people; obÌåÓý in the community; obÌåÓý in the environment; obÌåÓý in regional Australia; Additional obÌåÓý outcomes and outputs (achievements); Organisational structure; obÌåÓý’s stakeholders; Commissioners; Regional Commissioners; Working at obÌåÓý; Where obÌåÓý fits in the regulatory picture; Audit Committee and audit, assurance and compliance services; Appendices (PDF 585 KB)
• : Financial statements; Glossary; Index; Contact details (PDF 872 KB)

Annual report (2007�08)

• (PDF 3214 KB)
• : Front cover; obÌåÓý at a glance; Our key achievements; Chairman's report; Financial Summary; Regulating during market turbulence; Major enforcement actions; (PDF 1578 KB)
• : Consumers and retail investors; Capital market integrity; Facilitating capital flows; Helping small and medium businesses; Lifting operational effectiveness; Strategic review (PDF 368 KB)
• : obÌåÓý in the Community; Our people; Organisation; Commissioners; Senior executives; Regional Commissioners; Where obÌåÓý fits in the Regulatory Picture; Procurement; obÌåÓý's people; obÌåÓý Service Charter; Audit Committee and Audit, Assurance and Compliance Services (PDF 449 KB)
• : Appendices; obÌåÓý outcomes and outputs; Six-year summary; Financial statements; Glossary; Index; Contact details (PDF 1071 KB)

Annual report (2006�07)

• (PDF 2,489 KB)
• : Front cover; obÌåÓý at a glance; obÌåÓý highlights; Chairman's report; Effectiveness; Financial summary; Our people, Organisation; (PDF 781 KB)
• : Operational summary, Enforcing the law; Protecting consumers; Promoting compliance; Regulatory work; Public information services, International cooperation, Supporting obÌåÓý's business (PDF 219 KB)
• : Where obÌåÓý fits in the regulatory picture; Commissioners; obÌåÓý governance; Managing risk; Stakeholder consultation and regional involvement; obÌåÓý's people, obÌåÓý's service charter: how we performed, Audit committee and audit, assurance and compliance services; Appendices; 6 year summary (PDF 266 KB)
• : Financial statements; index; contact details; back cover (PDF 1390 KB)

Selected highlights from the 2006�07 annual report

• Completed our investigation into criminal offences involving the HIH companies: 4 convictions and 3 jail terms imposed this year, 9 convictions and 7 jail terms in all, and 4 people still before the courts
• Set up a special team, including outside experts, to implement a 3-point plan on unlisted and unrated securities, page 5
• Completed 51 criminal and 76 civil proceedings in the courts, 97% successfully, pages 6 and 16
• Significantly increased the disqualification of assetless and failed companies, up 250% to 81, through closer collaboration with company liquidators, page 19
• A record 55 million public requests for business information from our databases and a record 1 million visits to our consumer website FIDO, pages 27 and 20

Annual report (2005�06)

• (PDF 2,549 KB)
• : Front cover; obÌåÓý at a glance; obÌåÓý highlights; Chairman's report; Better regulation; Effectiveness; Priorities and key results; Staff; Financial summary; Organisation; Operational summary (PDF 673 KB)
• : Enforcement; Consumer protection; International cooperation; Compliance; Regulation; Operations and staffing; Finance (PDF 333 KB)
• : Where obÌåÓý fits in the regulatory picture; Commissioners; obÌåÓý governance; Managing risk; Community and regional involvement; Audit committee and audit services; Appendices; 6 year summary (PDF 176 KB)
• : Independent audit report; Financial statements; index; directory; back cover (PDF 1472 KB)

Selected highlights from the 2005�06 annual report

• Helped prevent widespread superannuation mis-selling through enforcement, compliance and education, pages 19, 22 and 26.
• Concluded enforcement proceedings against a record 352 people or companies, 94% successfully. Managed an exceptional number of high profile, challenging investigations, pages 4, 18.
• Targeted the culture of denial in financially troubled companies and set up a program to act against delinquent directors, pages 5, 28.
• Launched initiatives for better regulation, granted 2,565 approvals that helped business transactions, and processed 45 million requests for business data, up 25%, pages 8, 31 and 32.
• Exposed and litigated against conflicts of interest between advisers and their clients to raise industry standards, pages 5 and 27.
• Ensured obÌåÓý’s sustainability through additional funding and by investing in our people and technology, pages 6, 33 and 35.

Annual report (2004�05)

• (PDF 1,333 KB)
• : Front cover; obÌåÓý at a glance; obÌåÓý highlights; Chairman's report; Effectiveness; Strategies; Staff; Financial summary; Organisation chart; Operational summary (PDF 368 KB)
• : Enforcement; Consumer protection; Compliance; Regulation; Operations and staffing; Finance
• : Where obÌåÓý fits in the regulatory picture; Commissioners; obÌåÓý governance; Managing risk; Community and regional involvement; Audit committee and audit services; Appendices; 6 year summary (PDF 783 KB)
• : Financial statements; index; directory; back cover (PDf 269 KB)

Selected highlights from the 2004�05 annual report

• Brought wrongdoers to justice: HIH directors Adler, Williams and Cassidy among 27 jailed for more than 96 years.
• Guarded superannuation from suspect schemes and misinformation and prepared for super choice: 56 schemes checked, 5 stopped, 4 million super publications distributed.
• Helped more people: 40% more action on reports of crime and misconduct, and answered 40% more calls on enforcement, consumer and regulatory issues.
• Promoted stronger markets: got better disclosure for investors, assessed new financial markets, created more certainty for business.
• Assisted companies restructure or merge in transactions worth at least $41 billion.

Related information

Independent audit report about the electronic presentation on this website of the audited financial report of obÌåÓý for the year ended 30 June 2005 (PDF file, 184 KB).

Annual report (2003�04)

• (PDF 977 KB)
• : Front cover; obÌåÓý at a glance; obÌåÓý highlights; Chairman's report; Effectiveness; Strategies; Staff; Financial summary; Organisation chart; Operational summary (PDF 368 KB)
• : Enforcement; Financial services regulation; Markets regulation and policy; Consumer protection and international relations; Public and commercial services; Infrastructure and staff; Where obÌåÓý fits in the regulatory picture; obÌåÓý governance; Managing risk; Community and regional involvement; obÌåÓý audit committee and audit services; Appendices; 6 year summary (PDF 526 KB)
• : Financial statements; index; directory; back cover (PDF 269 KB)

Highlights from our 2003-04 annual report

• A record $4.2 billion in capital raisings requiring additional disclosure, compensation orders or assets preserved
• Financial and corporate laws kept credible and respected: 28 jailed, 60 illegal schemes shut down, insolvent trading deterred
• Higher, more consistent standards promoted in the financial services industry under 3,853 new licences
• Business costs reduced and innovative products assisted through 2,007 obÌåÓý approvals
• Public use of obÌåÓý services increased: consumer website visits up 37%, database searches up 23%, reports of misconduct up 7%.

Related information

• Independent audit report about the electronic presentation on this website of the audited financial report of obÌåÓý for the year ended 30 June 2004 (PDF file, 184 KB).

Annual report (2002�03)

• (PDF 730KB)
• Front cover; obÌåÓý's profile; 2002-03 highlights; Chairman's report; 3 year perspective; Objectives, plans and results; Financial report; Organisation chart; Where obÌåÓý fits in the regulatory picture; Description obÌåÓý's directorates; Commissioners; obÌåÓý governance ethics and audit: Community involvement (PDFÌý 230KB)
• : Enforcement; Financial services regulation; Markets regulation and policy; Consumer protection; International relations and regional coordination; Public and commercial services; Infrastructure; Our staff; obÌåÓý Audit Committee and audit services; Appendices; 6 year summary (PDF 365KB)
• Financial statements; index; back cover (PDF 269KB)

Related information

Independent audit report about the electronic presentation on this website of the audited financial report of obÌåÓý for the year ended 30 June 2003 (PDF file, 147KB).

Annual report (2001�02)

• (PDF 1,472 KB)
• Front cover, obÌåÓý's profile; Results 2001-2; Chairman's report; Financial report; Organisational chart; 3 year perspective; Plan for 2002-05; Where obÌåÓý fits in the regulatory picture; Description obÌåÓý's directorates; Commissioners; obÌåÓý governance; Ethic (PDF 337KB)
• Enforcement; Financial services regulation; Markets regulation and policy; Consumer protection; International and regional coordination; Public and commercial services; Infrastructure; Our staff; obÌåÓý Audit Committee and audit services; Appendices; 6 year summary (PDF 306 KB)
• Financial statements; index; back cover (PDF 255KB)

Annual report (2000�01)

• (PDF)
• Front cover, obÌåÓý at a glance, 2000-2001 at a glance, results, 3-year comparison, outlook, Chairman's report, summary financial report, Directorates, community involvement, governance (PDF 293KB)Ìý
• Enforcement, Financial Services Reform, markets regulation and policy, consumer protection, Consumer Advisory Panel report, international and regional coordination, public and commercial services, infrastructure, Audit Committee, appendices, 6-year summary (PDF 786KB)
• Financial statements, index, back cover (PDF 214KB)

Annual report (1999�2000)

• (640KB)
• Front cover, overview - what we do; how we fit in the regulatory picture: summary of results for 1999-2000, three year comparison, outlook (192KB)
• Chairman's review, Commissioners, Corporate Governance, Financial results, community involvement, operational summary (192KB)
• Enforcement and regulation, public information, staff, Consumer Advisory Panel, Audit Committee report, six year summary (320KB)
• Financial statements, index, back cover (256KB)

Annual report (1998�99)

Our annual report for 1998-99 received a Gold Award from Annual Report Awards Inc, for the first time, being in the top 12 of 346 entries from companies, associations and government bodies. This means we produced a model report achieving overall excellence with full disclosure of key aspects of what we do.

• (PDF 1,157KB)
• (PDF 956KB)
• (PDF 200KB)

Annual report (1997�98)

• (PDF 4,786KB)