IOOF  | Annual Report 2012 Contents  Directors’ report  22 Remuneration report  30 Directors’ declaration  51 Independence declaration  52 Independent auditor’s report  53 Statement of comprehensive income  55 Statement of financial position  56 Statement of changes in equity  57 Statement of cash flows  60 Notes to the financial statements  61 Shareholder information  122 Corporate directory  124 Financial report  for the year ended 30 June