 TABLE OF CONTENTS
Notice of the Eighth Annual Meeting 
ECFH Group Corporate Information
Correspondence Banking Relationship
The Group Structure
Corporate Profile
Financial Highlights: 2004 - 2008
Chairman's Report
Corporate Governance
Profile of Directors
Directors' Report
Corporate Social Responsibility
Group Managing Director's Report
Profile of Senior Management
Management Discussion & Analysis
Risk Management Report
Historical Financial Performance Ratios (2004 - 2008)
Report on Subsidiaries:
Financial Reporting Responsibility
Audited Financial Statements for ECFH Group - 2008
| 
