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 Our financial performance

The Group has maintained a stable financial position, both through strong liquidity and risk management and the retention of profits in prior years. As a result of the Group's financial position and its ongoing business development activities, the Group believes it is well placed to exploit future growth opportunities and deliver strong profitability in 2013 and beyond.
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 Risk management


With strong growth across our businesses last year and the continuing difficult economic conditions, our Risk Management function was key in ensuring that this growth took place within a robust risk control framework and that no credit losses were suffered.

Read more about risk management