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2003–2004BusinessPlanforNUMPAGES23FILENAME\pC:\DocumentsandSettings\IvanHandasyde\MyDocuments\MSMOperationalResources\MSMFSRARESOURCES\BrokerBusinessPlanTemplate.docDATE\@"dd/MM/yy"07/08/14TIME\@"h:mmAM/PM"7:50AM PagePAGE1ofNUMPAGES23BUSINESSPLANFORPAGE\#"'Page:'#'
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EnterNameofBusinessFORTHEPERIODENDING30THJUNE2015PREPAREDBYPAGE\#"'Page:'#'
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EnternameofstaffthatpreparedtheBusinessPlan2014/15BusinessPlanfor2003–2004BusinessPlanforTOC\o"1-2"INTRODUCTION 1SUMMARY 1MISSION,STRATEGIESETC 1Vision 1Mission 2Values 4Objectives 4SWOTAnalysis 5Strategies 5Goals 6PRESENTSTATUS 7Background 7KeyBusinessData 7ProductAllocation 7InsurerAllocation 8LicenseAuthorisations 8Progresstodate 8FinancialPerformance 8PRODUCT/SERVICEDESCRIPTION 9RetailClients–AdviceGuidance 9oraldisclosure 9PROFILEOFTARGETMARKET 9MarketAnalysis 9Competition 11CustomersandUsers 11MARKETING&SALESPLANS 12ServiceandSalesPlans* 12RepresentativeMonitoringandTraining* 12HumanResourceStatement* 12RESEARCH&DEVELOPMENT/TECHNOLOGY 13BusinessOpportunities 13ProductResearch* 13OPERATIONALPLANS 14MANAGEMENT&ADMINISTRATION 15AdministrationReview 15ComplaintHandlingPolicyReview* 15ComplianceReviewandStatement* 15ConflictofInterestPolicyReview* 15DisasterRecoveryReview* 15ExternalRepresentativesReview* 15ManagementReview* 16OrganisationChart* 16RiskManagementReview* 16SuccessionPlanning 16OHSPolicyReview 16OutsourcingReview* 16FINANCIALissues 18RG166 18KeyAssumptions 18Income/ExpenseBudgets 18CashFlowStatements 18ProjectedBalanceSheets 19Sensitivityanalysis 19RatioAnalysis 19FundingRequirementsandProposals 19ClientFundsControls* 20CONCLUSION 20FILENAME\pC:\DocumentsandSettings\IvanHandasyde\MyDocuments\MSMOperationalResources\MSMFSRARESOURCES\BrokerBusinessPlanTemplate.docDATE\@"dd/MM/yy"07/08/14TIME\@"h:mmAM/PM"7:50AMPagePAGE20Of19INTRODUCTIONPAGE\#"'Page:'#'
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Provideabriefoverviewofthehistoryofthebusinessandhowthebusinessistrackingcomparedtothecurrentplaninplaceandanysignificantfactorscurrentlyaffectingthebusiness.Commentonthestateofthemarket,businessopportunities,whatwecanoffer,clientpotential,CriticalSuccessfactors(15lines)(Optional)PAGE\#"'Page:'#'
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Provideabriefoverviewofthehistoryofthebusinessandhowthebusinessistrackingcomparedtothecurrentplaninplaceandanysignificantfactorscurrentlyaffectingthebusiness.Commentonthestateofthemarket,businessopportunities,whatwecanoffer,clientpotential,CriticalSuccessfactors(15lines)(Optional)Ourbusinesshasachievedstrongandsteadygrowthoverthepastthreeyearsandiscurrentlyontracktoachieveourcurrentyearbudget.Modestpremiumincreaseshavebeenseenthroughout2011/13withpremiumratesexpectedtoplateauorevenreduceformostclassesin2014/15.OveralleconomicconditionsarepatchywithlittleunderlyinggrowthexpectedintheSMEmarketplace.SUMMARYPAGE\#"'Page:'#'
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Provideasummaryofwhatyouconsidertobethe3majorissues/actions/strategiestobeimplementedinthecurrentbusinessplan.Includehighlevelfinancialandsalesinformationandanyothermajorfactorsexpectedtoimpactthebusinessgoingforward.(Optional)PAGE\#"'Page:'#'
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Provideasummaryofwhatyouconsidertobethe3majorissues/actions/strategiestobeimplementedinthecurrentbusinessplan.Includehighlevelfinancialandsalesinformationandanyothermajorfactorsexpectedtoimpactthebusinessgoingforward.(Optional)Forthecomingfinancialyearthebusinessisfocussedonthefollowingmajorissues.EnsuringthebusinessandstaffcontinuetomeetthedaytodayrequirementsoftheCorporationsActandassociatedRegulations(TheAct)toensurecompliancewithourAFSLicencerequirements.Improvingandstrengtheningexistingcreditcontrolprocessesinlightofthecurrenttightfinancialconditionsfacingthebusinesscommunity.ThiswillincludethemoreaggressiveandwidespreadmarketingofPremiumFundingfacilities.Beddingdownandbuildingrelationshipswithourexistinginsurerpaneltoensureweretainaccesstoallexistingmarketsforourbusiness.Increasingstaffproductivitythroughtraining,effectiveworkallocationandprocessre-engineering.Promotingourname,servicingpersonnelandbusinessapproachtoourexistingclientbasetherebymaximisingretentionofourexistingclientbaseandbuildingastrongreferralnetwork.Continuingtousetechnologytostreamlineourbusiness,improveservicelevels,reducecostsandimproveourbottomline.Increasingourincomeratioonourexistingclientbasebyimplementingastrictapplicationofourfeestructure.Reduceourcostsandincreaseourofficeefficiencybyimplementingelectronicscanningandretrievalofalldocuments.Activelytargetingsmalltomediumsizeaccountscurrentlyheldbylargenationalbrokeragefirmsbyafocusonindividualserviceandpersonalrelationships.Tobuildthe?portfoliobydevelopingnewmarketingsupportmaterialandallocationofadditionalresourcestothesalesandserviceofthismarketsegment.Aswouldbeexpected,theTop50ClientsrepresentafargreaterportionofCommission&Feerevenue(?%)thantheiroverallproportion,innumbers,ofthebusiness(?%).Asaresultitisplannedtocontinuetoplacegreateremphasisonbuildingandconsolidatingtherelationshipwiththeseclients.Commenceaprocessofformallyassessingthelongtermownershipoptionsofthebusiness.Reviewingthefloodcoverageprovidedtoallexposedclientswithproperty&businessinterruptionexposuretominimizetherisksofuninsuredlossesinthisarea.EnsuringclientswithPropertycoverreviewtheirsumsinsuredduetotheincreasedcostofreplacementbroughtaboutbythepricingofcarbonintheCleanEnergyActandrelatedlegislation.ReviewtheimpactoftheFutureofFinancialAdvicelegislationonourbusinessandimplementchangesasrequired.MISSION,STRATEGIESETCVisionPAGE\#"'Page:'#'
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Thisshouldbepresentedasapenpictureofthebusinessinthreeormoreyearstimeintermsofitslikelyphysicalappearance,size,activities,marketpositionetc.Answerthequestion:-“IfsomeonefromMarsvisitedthebusiness,whatwouldtheyseeorsense?Nomorethan10linesPAGE\#"'Page:'#'
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Thisshouldbepresentedasapenpictureofthebusinessinthreeormoreyearstimeintermsofitslikelyphysicalappearance,size,activities,marketpositionetc.Answerthequestion:-“IfsomeonefromMarsvisitedthebusiness,whatwouldtheyseeorsense?Nomorethan10linesTogrowthevalueofourbusinessbyworkingwithclientsthatvalueourservicesandappreciateapersonalrelationshipwiththeirserviceproviders.Ourbusinesswillbecharacterisedbyclientloyaltyandretention,personalrelationshipsandnewclientsreferredbyourexistingclients.Wedonotaspiretobethebiggest,buttobeseenbyourclientsasoneoftheirclose,reliableandprofessionaladvisers.Todevelopthebusinesswithastrongcleargrowthpaththatproduces20%increaseinincomeandprofitannually.Toberecognisedbyourclientsasthebestprovideroffinancialservicestotheirbusiness.Abletoprovidequalityproducts,sales&serviceAbletoexpanditsbusinessbasethroughorganicgrowthandacquisitionRecognisedashighprofilewithstrongprofessionalrelationshipswiththeinsuranceindustryRecognisedasaprofessionalandprudentproviderofinsuranceproductstothewholesale,commercialandretailmarkets.MissionPAGE\#"'Page:'#'
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ThenatureofabusinessisoftenexpressedintermsofitsMissionwhichindicatesthepurposeofthebusiness.Forexample:Tohelpourclientsmanagetheirfinancialrisksbyadviceandtheuseofgeneralinsurancesolutions.”Generallyonlyoneortwosentences.Wewillgrowtogetherwithourclientsbyprovidingassistanceandaccessto:Staffwiththeexpertisetoidentifyneedsandfindsolutions.Valueformoneyinsuranceprotectionandbrokingservices.Specificproductcoverage’sfortargetmarkets.Aprofessionalandreputablebusinesswithafocusonservice.Wehavetotalcommitmenttoclients,staffandinsuranceprovidersby:Totalqualityservicetoourclientswhilststrivingforprofessionalexcellence.Providinganenvironmentforpersonalandprofessionalgrowthwithfinancialsecurityforourstaff.Honest,ethicalandprofessionaldealingswithinsuranceproviders.Wewillaccomplishourmissionwithdedicationtothehighestprofessionalstandardsinallaspectsofourbusiness.WeareaServiceProvidercommittedtoaddingvaluetoourClientspurchaseofInsurance.Westrivetobeseenasexcellentintheareaofserviceandexpertiseinourchosenfield.WestrivetoofferafulfillingenvironmentforallStaffandanacceptablereturntoourShareholders.Toadviseonandprotectourclients’financialexposuretorisksthroughthepurchaseofcompetitivelypricedqualityinsuranceproductssuitabletotheirwants.Ouraimistoaddvaluetoourclient'sbusinessthroughthedesignandmanagementofGeneralandWorkersCompensationInsurancesolutions.Wearecommittedtoprovidingalevelofservicetoourclientsfarinexcessofthelevelofserviceourclientsexpect.Ourmandateistoactinamanneroftotaltrust,confidentialityandprofessionalisminallourbusinessdealings.Weseektofullyunderstandourclient'sbusinessandcontinuallykeepupdatedwithchangesoccurringwithinourclient'sbusinesstoensuretheInsuranceSolutionweprovidewillmeettheirrequirements.Wemustcontinuallyprovidehighqualitydocumentationandservicetoallourclientsandnotbecomecomplacent.Ouraimistobuildastrongworkingrelationshipwithourclients;along-standingrelationshipbuiltontrust.Ourcompanywillprovideanenvironmentofcontinuedgrowthensuringallstaffarecontinuallydevelopingtheirskills,whichresultsinclientsdealingwithpeoplewhoareextremelyproficientintheInsuranceandRiskManagementfields.WeareinthebusinessofprovidingServiceandSecurityenablingourclientstosleepeasywithoutworryingabouttheirinsurance.ThemissionoftheCompanyistoprovidethebestpossibleproductadviceandon-goingsupporttosatisfystakeholdersofourprofessionalandprudentofferby:Workingwithindustryparticipantstosupportindustrydevelopment,changeandregulationWorkingwiththemarkettoensureeffectiveserviceandsupportfortheCompaniesproductsEncouragingourclientstoprovideourCompanywithfeedbackwithregardtoourperformanceEncouragingourstafftodeveloptheircareersandaspirationsandtopursuecompanysponsoredtrainingprograms
ValuesPAGE\#"'Page:'#'
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TheseshouldbetheconceptsthatarepartofachievingyourMissionPAGE\#"'Page:'#'
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TheseshouldbetheconceptsthatarepartofachievingyourMission.Afastgrowing,salesorientatedbusinessmayplaceemphasisonthevaluesofInitiative,Drive,SelfMotivationetc.Thevaluesselectedforyourbusinessshouldbeconsistentwithhowyoubehave,howyouwishyourstafftobehave,howyouportrayyourselftoyourclientsandsuppliers.ItisstronglyrecommendedthatthevalueofCompliancebeincludedinthiscomponentoftheBusinessPlan.Nomorethan5-7valueswithabriefdescriptionofwhattheymeantothebusiness.ValueCommentIntegrityandprofessionalismEnsureallstaffandmanagementsethighstandardsinthewaytheyapproachtheirdaytodayactivitiesHonestyandGoodFaithDevelopareputationwithcustomersandsuppliersalikefortellingthingsthewaytheyare,thegoodwiththebad.ServiceExcellenceDevelopasystematicapproachtothewaywedothingstoachieveconsistentlysuperioroutcomesforourclients.ComplianceNurtureacultureofcompliancewithstaffunderstandingwhathastobedone,whyandwhathastobedoneifthingsgoofftherails.EnjoymentWhilstdrivingthebusinessforwardweneedtorememberthatweneedtoenjoyourworktoconsistentlyperformtoourbest.TeamworkWeworkontheprinciplethatTogetherEveryoneAchievesMoreUnderstandingandApproachableInsurancecanbecomplexandclaimsstressful;weneedtoprovideservicesasifwereinthecustomers’shoes.Customersshouldbecomfortablebringingtheirinsuranceproblemstous.EnergyandActionWelookforopportunities,developprospectsandtakeactiontoensureourservicemeetsourclients’expectations.ObjectivesPAGE\#"'Page:'#'
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Thebusinessesobjectivesintermsoftheresultsitneeds/wantstoachieveinthemedium/longterm.Asidetheindicatingthenecessitytoachieveregularprofits(expressedasreturnofShareholdersFunds/Turnover/Income)objectivesshouldrelatetotheexpectationsandrequirementsofallmajorstakeholders,includingsuppliers,clients,employees,regulatorsandshouldreflecttheunderlyingreasonsforrunningthebusinessPAGE\#"'Page:'#'
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Thebusinessesobjectivesintermsoftheresultsitneeds/wantstoachieveinthemedium/longterm.Asidetheindicatingthenecessitytoachieveregularprofits(expressedasreturnofShareholdersFunds/Turnover/Income)objectivesshouldrelatetotheexpectationsandrequirementsofallmajorstakeholders,includingsuppliers,clients,employees,regulatorsandshouldreflecttheunderlyingreasonsforrunningthebusinessToachieveourannual2014–2015Sales/ExpensesandProfitbudget.Toachievebusinessincomegrowthof?Toachieveclientretentionrateof?Toachieveanincometoturnoverrateof?Toachieveanexpensetoincomeratioof?Toachieveanincomeperstafffigureof?Tomaintainfacilitieswithallexistinginsurers.Todeveloprelationshipswith?newinsurers.Tocompleteaformalexternalcompliancereviewofthebusiness.ToformaliseLettersofEngagementwithallmajorclients.Tohaveallnewdocumentationelectronicallyscanned.TohaveDebtorsof60daysormorerepresentlessthan10%ofoutstandingdebts.Tohavestaffturnoverbelow?Toappoint?newAuthorisedRepresentatives/Distributors/SpottersToenter/maintainprofitsharearrangementwith?Todevelopandupgradeourwebsite.Tohave100%ofallfloodexposedclientseithercoveredorwrittenconfirmationthatcoverofferisdeclined.SWOTAnalysisPAGE\#"'Page:'#'
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Thisshouldlistdownundereachcategory(Strength,Weakness,OpportunityandThreat)thevariousthingsthatyoubelievefallintosuchcategoriesandthatareorhavethepotentialtoaffectthesuccessofthebusinesseitherpositivelyornegatively.Itispossiblethatcertainthingswillfallintomorethanonecategory.PleaseensurethatlossofAFSLicensingisincludedasaThreat.EnsurethatStrengthsonlyincludethosethingsthatareclearlystronger/better/biggerthanyourcompetition/marketplacePAGE\#"'Page:'#'
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Thisshouldlistdownundereachcategory(Strength,Weakness,OpportunityandThreat)thevariousthingsthatyoubelievefallintosuchcategoriesandthatareorhavethepotentialtoaffectthesuccessofthebusinesseitherpositivelyornegatively.Itispossiblethatcertainthingswillfallintomorethanonecategory.PleaseensurethatlossofAFSLicensingisincludedasaThreat.EnsurethatStrengthsonlyincludethosethingsthatareclearlystronger/better/biggerthanyourcompetition/marketplaceStrengthsExperience/expertiseandmarketcontactsofmanagementLongstandingandloyalclientbaseBreadthofaccessandqualityofrelationshipwithunderwritersExperiencedandwelltrainedstaff.Businessisofasizethatlendsitselftobuildingrelationshipswithclients.Stablecomputerandaccountingsystemsinplace.WeaknessesLackofqualityexperiencedstaffabletosupportthebusinessmanagementfunctions.BusinessnotlargeenoughtodevelopexpertiseonCorporatestyleaccounts.Portfolioofbusinessnotevenlyspreadacrossinsurers.Ageofprincipals/seniorstaff.Littleformalallocationofclientstostaff.Minimalmonitoringandmeasurementoffinancialcontributionofjobroles.Clientrelationshipsgenerallybasedonasolestaffmember.OpportunitiesCross-sellingwithinexistingclientbase.Usingexistingclientbaseasareferralsource.Poorservicelevelsbeingofferedbycorporate/nationalbrokers.Marketrateincreasesdrivingupcommissionlevels.Developjuniorstafftobemoreefficient,effectiveandflexible.Identifynichemarketssuitableforbusiness.Reducedcompetitionduetoagents/brokersselling.Reducecostswithtechnology.Increaseincomewithformalfeespolicy.Purchaseportfoliosfrombrokersexitingthemarket.Upgradefloodcoveragetotheclientbase.DeliverPolicydocumentation/invoices/FSG’setc.electronically.IncreasedinsuranceaffordabilitywithVictorianFSLhavingbeenphasedoutduring2012/13.ThreatsIncreasedindustryP.I.costsduetolackofFloodcoverprovided.Lossofsupportfrommajorinsurer.FailuretomaintainAFSLicencePaymentoptionsofferedbycompetitorsandcostsincurredinprovidingsame.Lossofexistingclientswhofailinthecurrentdifficulteconomicclimate.ReductiononinterestincomeontrustFundsduetolowerinterestrates.IssuesarisingoutoftheFairWorkAct.Clientlossduetodepartureofkeyservicingstaff.Potentiallossofcommissionincomestreaminmedium/longtermduetogovernmentintervention.FailuretoproperlymanageandcommunicateVictorianFSLchangestoclientbase.ClientunderinsuranceduetotheincreasedreplacementcostsofpropertybroughtaboutbytheFederalGovernmentsCleanEnergyAct.StrategiesPAGE\#"'Page:'#'
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FollowingonfromtheSWOTanalysisandtheobjectivesthatyouhavesetforthebusinessyouneedtodevelopstrategiestoachievethebusinessobjectiveswithintheframeworkofyourSWOT.Asaruleofthumbthereshouldprobablybenomorethan6majorstrategiesbeingfollowedbythebusinessatanyonetime.EachstrategyshouldexplaininbroadtermshowthebusinesswillmanageSWOTissuestoachievebusinessobjectives.Strategiesaregenerallydecisionsthathavelongtermaffectsandarenoteasilyreversedandhavethepotentialtosignificantlyaltertheshape,size,styleanddirectionofthebusiness.Examplesinclude:PAGE\#"'Page:'#'
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FollowingonfromtheSWOTanalysisandtheobjectivesthatyouhavesetforthebusinessyouneedtodevelopstrategiestoachievethebusinessobjectiveswithintheframeworkofyourSWOT.Asaruleofthumbthereshouldprobablybenomorethan6majorstrategiesbeingfollowedbythebusinessatanyonetime.EachstrategyshouldexplaininbroadtermshowthebusinesswillmanageSWOTissuestoachievebusinessobjectives.Strategiesaregenerallydecisionsthathavelongtermaffectsandarenoteasilyreversedandhavethepotentialtosignificantlyaltertheshape,size,styleanddirectionofthebusiness.Examplesinclude:Wewillconserveallinternalcashflowtofundthefuturegrowthplansofthebusiness.WewillbelookingtosellmoreproductstoourexistingcustomersratherthanseeknewcustomersinordertoachieveourSalestargetEngagespecialistconsultanttoreviewourcomplianceregimeandoverallbusinessprofessionalism.Workonbuildingastrongrelationshipwiththekeydecision-makersofourtopteninsurers.BeproactivewithCorporate/Commercialaccountslikelytoattractsignificantrateincreases.Focusonbusinessleadsfromclientscurrentlyservicedbythelargercorporate/multinationalbrokers.Maintainfocusoncommercialclientsegment.Increaseproductivitythroughtechnology.Sellthetechnicaladvice,policycoverageandserviceandnottheprice.Focusandemphasiseonthepersonalnatureoftheclientrelationshipandservice.Upskillingsupportfunctionstomaintainandbuildbusinesscontinuity.Developingstafffromwithinratherthanseekingreplacementsfromoutside.MaximisethetakeupofPremiumFundingfromtheclientbase.AssesstheviabilityofImplementingtheBPayfacility.Reviewallemploymentagreementstoensuretheyincludeaneffective“noncompeteclause”.Engageconsultanttoactivelyidentifypotentialportfoliopurchases.Providefloodcoveroptiontoallclients(fornewbusinessandrenewal)withfloodexposures.Collectemailaddressesforallclients.ImplementastandardcommunicationwithallclientswithBuildingInsuranceflaggingtheincreasedcostsofreplacementofbetween2%andidentifyclientsinBushfireZonesandincreasecoverageaccordingly.GoalsPAGE\#"'Page:'#'
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Thesearethespecificinterimorultimatetime-basedmeasurementstobeachievedbyimplementingstrategiesinpursuitofthecompaniesobjectives.Theyareusuallyexpressedas“Toachieve/reduce/increasesomethingtoX(a$figure,percentage,number,measure)by(Adate/rangeofdatesetc)PAGE\#"'Page:'#'
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Thesearethespecificinterimorultimatetime-basedmeasurementstobeachievedbyimplementingstrategiesinpursuitofthecompaniesobjectives.Theyareusuallyexpressedas“Toachieve/reduce/increasesomethingtoX(a$figure,percentage,number,measure)by(Adate/rangeofdatesetc)Allobjectiveswithintheplanshouldbesupportedbyatleastonegoal.Reviewallofficeproceduresanddocumentationandimproveefficiencybytheuseoftechnologyby?HaveanexternalComplianceReviewundertakeninthe6monthstoDecember2014PersonalvisitsbyoneoftheResponsibleManager(s)toeachmajorinsurerby?ResponsibleManager(s)contactwithsecondstringsuppliersby?Implementminimumfeestructureby?Completeclientsegmentationprogramby?ImplementformalServicestandardsby?IncreaseinterestincomebydepositingpartoftheTrustFundsinahigherearningcashmanagementorsimilarADIapprovedaccount.IncreasepercentageofpoliciesfundedfromX%toY%.Have90%ofallfloodexposedclientsconfirmfloodcoverrequiredandinplaceornotrequired.
PRESENTSTATUSBackgroundPAGE\#"'Page:'#'
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Thisshouldincludeabriefhistoryofthebusinessoverthepast3yearstouchingonareassuchasgrowthprofitabilityandtheimplementationofexistingstrategies(10lines)PAGE\#"'Page:'#'
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Thisshouldincludeabriefhistoryofthebusinessoverthepast3yearstouchingonareassuchasgrowthprofitabilityandtheimplementationofexistingstrategies(10lines)Thebusinesshasseensteadygrowthinincomeandprofitabilityoverthepastfewyears.Significantoperationalchallengeshavebeenplacedonstaffduetorisingpremiums.TheexpectedcontinuationofatheimpactofthelowinterestratecycleonTrustMoniesfor2014/15isaminornegativefactor,offsetbytheexpectedpremiumrateincreases.KeyBusinessDataKeyinformationonthecurrentbusinessisdetailedbelowAnnualTotalIncome$TotalGWP$No.ofcurrentPoliciesNoofcurrentclientsNoofstaffNoofAuthorisedRepsNoofDistributorsProductAllocationKeyinformationonthecurrentsplitofproductsisdetailedbelowClassPercentageofPortfolio(ByIncome/GWP)EarningRateHouseholdersPrivateMotorCommercialMotorISRPackageLiabilityMarinePI&D&OConstructionOtherTotal100%
InsurerAllocationKeyinformationonthecurrentsplitofproductsisdetailedbelowInsurerPercentageofPortfolioCGUAllianzVeroQBELumleyZurichSuncorp/AMP/GIOCallidenChubbAssociatedMarineOtherTotal100%LicenseAuthorisationsThebusinessisauthorisedtodealandarrangeonbehalfofothersgeneralinsuranceproductsforbothRetailandWholesaleclients.Therearenoplanstochangethisauthorisationinthenexttwelvemonths.ProgresstodatePAGE\#"'Page:'#'
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Thisshouldincludemoredetailsontheprogressandplansforanyexistingstrategiesthathavebeenimplementedandwillhaveanimpactonthebusinessoverthenexttwelvemonths.(10lines)PAGE\#"'Page:'#'
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Thisshouldincludemoredetailsontheprogressandplansforanyexistingstrategiesthathavebeenimplementedandwillhaveanimpactonthebusinessoverthenexttwelvemonths.(10lines)Thefollowingisanupdateonmajorprojects/strategiesimplementedoverthelasttwelvemonths.ProjectStatusOutstandingWorkFinancialPerformancePAGE\#"'Page:'#'
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Thisshouldincludesummaryinformationonthecurrentandtrenddataofthebusiness.PAGE\#"'Page:'#'
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Thisshouldincludesummaryinformationonthecurrentandtrenddataofthebusiness.Ourperformancelastyearwasinlinewithourpreviousbudgetexpectations.Businessincomeandprofitabilityhavebothgrownsteadilyandtheunderlyingstrengthanddiversityofourearningsremainunchanged.Expenseswereinlinewithbudget.
PRODUCT/SERVICEDESCRIPTIONPAGE\#"'Page:'#'
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Provideabriefoverviewoftheproductsandservicesprovidedbywho,whenandhow.Includevaluetobusiness/incomegenerate
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