Strategic focus areas - Growth Momentum APE contribution per channel 100% 90% 23% 29% 28% 33% 80% 37% 36% 70% 60% 34% 30% 33% 25% 16% 19% 50% 40% 30% 20% 43% 42% 42% 47% 45% 38% 10% 0% F2011 F2012 F2013 F2014 F2015 F2016 Independent Brokers Corporate Brokers MMI Channels