G H I J K L M N O V W T S R P General Meetings 52 Going concern 53 Governance 38 Group operations 21 Group strategy 14 Guarantees (note 24; note 10 to Company Balance Sheet ) 104, 121 Health and safety 6 Income Statement, Consolidated 72 Income tax expense (note 11) 91 Intangible assets (note 15) 94 Inventories (note 17) 97 Joint venture undertakings, principal 134 Joint ventures, proportionate consolidation (note 2) 85 Key components of 2012 performance 18 Key financial figures 2012 1 Key financial performance indicators 18 Leadership positions 2 Leases, commitments under operating and finance (note 30) 114 Liquid investments (note 23) 103 Loans and borrowings, interest-bearing (note 24) 104 Management 126 Materials 24 Memorandum and Articles of Association 53 Nominations & Corporate Governance Committee 37, 48 Notes on consolidated financial statements 83 – 117 Notice of Meeting 138 Operating costs (note 3) 86 Operating leases (note 30) 114 Operating profit disclosures (note 4) 86 Operational snapshot 2012 22 Operations Reviews: - Americas Distribution 35 - Americas Materials 27 - Americas Products 31 - Europe Distribution 34 - Europe Materials 26 - Europe Products 30 Website 123 Working capital, movement during year and provision for  liabilities (note 20) 98 Pensions, retirement benefit obligations (note 28) 109 Products 28 Profit on disposals (note 5) 87 Property, plant and equipment (note 14) 93 Provisions for liabilities (note 26) 107 Proxy voting, electronic 123 Registrars 123 Regulatory information 70 Related party transactions (note 32) 117 Remuneration Committee 37, 50, 54 Retirement benefit obligations (note 28) 109 Risk management and internal control 50 Sector exposure and end-use 5, 22 Segment information (note 1) 83 Senior Independent Director 37, 41 Share-based payments (note 8) 88 Share capital and reserves (note 29) 113 Share options - Directors 65 - Employees 88 Share price data 123 Shareholder communication 52 Shareholder information 122 Shareholdings as at 31 December 2012 123 Statement of Comprehensive Income, Consolidated 72 Statement of Changes in Equity, Consolidated 74 Statement of Directors’ responsibilities 70 Stock Exchange listings 123 Subsidiary undertakings, principal 128 Substantial holdings 52 Summarised cash flow 19 Total Shareholder Return 62 Trade and other payables (note 19) 98 Trade and other receivables (note 18) 97 Volumes, annualised production - Americas Distribution 23 - Americas Materials 23 - Americas Products 23 - Europe Distribution 22 - Europe Materials 22 - Europe Products 22 CRH 137